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See If You May Have A A PPI Claim

Were you tricked into buying Payment Protection Service (PPI) over the last six or so years, and live within the United kingdom? If the answer is yes indeed, or perhaps that you are not certain if you’ve been mis sold ppi, make sure you continue reading.

Truth be told that most payment protection insurance purchases have concluded in consumers in the many thousands looking to get a settlement for the money that they paid as a result of fraudulent methods from banking institutions, credit card companies, or financial institutions by means of ppi claims.

Many significant named banking institutions have already been fined millions of pounds by way of the FSA and in turn have ended up being forced to repay millions of customers who have been mis-sold payment protection insurance once they have acted by filing UK ppi claims.

There is still a considerable amount of scandal in regards to all these actions. Numerous financial institutions will not even take a look at a person’s ppi claim when it has been received. Instead, they just make use of a standard notice of denial and send it onto the complainant.

A number of the ways in which individuals were missold PPI is usually as follows:

* They in no way agreed on the ppi, yet they were charged and paid for it.

* They had been made to think to obtain the loan the PPI was necessary for acceptance.

* They were never questioned of their medical history.

* They were never questioned regarding employment status, for example duration of time at current job (the least twelve months to be qualified), nor asked if self-employed (ineligible).

* The payment schedule was never shown nor explained.

This is really a generalized break down for essentially the most frequently used techniques or tactics for the misleading.

Many individuals after they receive the rejection notice from the financial institution simply give up. Obviously, this is what the banks want you to do. They assume the majority of people do not read the newspapers, online resources or watch tv, and assume they will just drop it. And figures indicates they are right.

Don’t be one of these statistics, either begin your own ppi claim yourself right now, however be ready for the actual refusal notice. When it comes, write them back and tell them you expect compensation or you will continue onto the FOS.

If that does not work, naturally you will need to contact the FOS and ask them to continue the actual ppi claim for you. Additionally remember that if you don’t want to cope with all of the hassles, you could look for a expert ppi claims company whom knows their stuff and permit them to carry out the job for you.

Find more details about mis sold ppi claims by getting in contact with specialists at www.ukppiclaims.org.

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Claim Your PPI Back: Essential Things To Recognize

Have you ever encountered a Payment Protection Insurance (PPI)? Generally, it is a program attached to almost all the different kinds of mortgage give to clients. If you don’t understand regarding this and you employed for any loan, then you have to read again the small print of contracts. PPI is actually part of the mortgage to protect the credit and accounts of the consumer in the event a serious clinical emergency, economical difficulties or loss occurred. Having said that, this sort of payment is not always applied or sometimes regarded as useless throughout the life of your mortgage. This means that the consumers are covering them and they do not get the funds again if there aren’t any emergencies or difficulties transpired on the duration of the loan.

In past times, lots of people experienced PPI mis-selling. It is pointless, unlawful and this will cost a lot of money to the consumer. Many people became victims of this kind of scam causing numerous troubles in their part. So what can one does in the mean time while thinking about the ideal ways to claim back PPI?

It is best to look for people with enough experience in handling these kinds of issues. PPI are actually used to repay the loans that the consumer has in case of emergencies like hospitalization, financial problems or if they lose their jobs. The consumers pay for it to protect their credit rating if they do not have enough money to pay for the loan. However, after the loan is paid and the PPI is not used, they are not properly returned to the consumer even if they are not used. This is the main reason why you need to claim your PPI.

You can begin by checking out several of the information on your mortgage. Consider the way the PPI policy is added in and why you didn’t respond when it’s added to the mortgage. You need to evaluate it properly and make an in depth note regarding this.

After that, you have to assess the total amount of cash that you paid in your PPI. You lost your premiums so you’ve the right to take it again particularly if it is not used to pay for the mortgage.

Once you have everything needed as well as the information that you have to complete, the next thing is to create the complaint. You have to make a detailed complaint to the financial institution and the grounds why you need reimbursement. After mailing the complaint, the bank will definitely give back a reply regarding the complaint which you sent them. Beginning from this, the task will be more complex. It is best if you can search for an expert that will assist you all throughout the task. By hiring a expert, they will help you evaluate the details that you need to provide for the complaint and organize everything to ensure that you will claim back PPI successfully.

Go Claim PPI have a 100% success rate at helping people to claim back PPI compensation.

Choosing the Right Company to Handle Your PPI Claim

http://www.ppiadviceline.co.uk/

Over 20 million people in the UK have been mis sold Payment Protection insurance and are eligible to make a claim.

PPI is usually added without a customer’s knowledge or without being fully explained. Some add PPI as a compulsory part of any financial agreement but this is not true.

So if you have been mis sold PPI it’s important that you choose the right company to handle your claim. Follow these top tips to choosing the right company to handle your PPI claim.

The number one consideration when choosing a company to handle your claim must be trust. You will be entrusting the company to deal with your bank, look after your financial paperwork and, of course, secure the best compensation deal available to you. Look at the companies website, do some research and look for online reviews of the company.

Watch out for upfront fees as you should never pay money upfront. Upfront fees means that the company has less of an incentive to pursue your claim.

Ask about any extra charges that companies make in addition to the standard percentage charges they charge you for extras. For example, many companies charge extra for handling your documents and other admin fees. Find out about these beforehand to avoid any nasty surprises popping up.

The claim letter that is initially sent to start compensation proceedings is vitally important when making a successful .Learn a little bit about who will be writing the letter. Questions to ask could be along the lines of ‘is the letter written by junior staff or experts?’

Do not fall into the trap of believing that they can guarantee a successful claim No claims company will know whether or not your claim will be successful until they have all the details to hand.

With complaints rising about PPI and experts predicting that the full compensation bill for missold insurance is likely to reach £3 billion, don’t delay seeking the compensation that you rightly deserve.

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Instructions on How to Claim Missold Credit Card Insurance

It is always essential to find out how to claim missold credit card insurance. This will ensure that your rights are not infringed by financial institutions. There has been an increase of missale of insurance by these financial institutions in the recent past. This has the potential of leading to payments of insurance premiums without your consent. Therefore, you should learn how to claim PPI in Belfast in order to ensure that you are not a victim. It is always good to know your rights so that they are not abused. Here are instructions on how to claim missold credit card insurance.

Research about PPI

It is always prudent to conduct research about the missold credit card if you feel aggrieved. There are many sources of information regarding claim payment protection Belfast. These may include various financial journals, magazines, blogs, and websites. It is vital to be acquainted with the various rules and regulations that govern the industry. This will ensure that you are aware of your rights and obligations when you feel that you were wrongly sold PPI. You will also learn credible information about how to claim PPI in Belfast.

Get a credible solicitor

A solicitor is extremely essential whenever you want to learn how to claim missold credit card insurance. They have adequate skills and expertise in different financial matters. They are also fully aware of the financial management rules and regulations. Therefore, they offer credible information on payment protection insurance Belfast. This information will help you to establish whether your claim for compensation will be fruitful. They are honest and frank and will instruct you on the best way forward. They are also experienced and fully aware of the best approach on how to claim PPI in Belfast.

Establish how much you are owed

Solicitors will help you to calculate the amount of insurance you were fraudulently made to pay. They have a calculation tool that will assist you whenever you need to know how to claim missold credit card insurance. The solicitors will seek to find out the circumstances under which you fell victim to the missold credit. They will ask you if you were pressured into taking the insurance. They will also ask if you were self-employed or unemployed at the time you were getting the credit card or loan. This information will help the solicitor to establish the best way on how to claim PPI in Belfast.

Organize the necessary documents

You will then need to get all the necessary documentation about the financial transactions. The documents are essential proof for the missale of PPI Belfast. They will assist the solicitors when making the claim to the financial institution. If you do not have them, the solicitor will make an effort to find them for you. They can get copies of the documents from various offices. This is because of their experience in making the claims for other clients. The solicitors will also tell you about any other requirements. They will then file PPI claims Belfast to the financial institution on your behalf.

Keith Morrisroe is the author of this article on How to Claim PPI in Belfast.
Find more information, about PPI Claims Belfast here

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How to Claim PPI_Mortgage PPI Claims

In the last decade, there have been a large number of successful PPI claims made in the UK against is-sold PPI policies. Having said that, we must first shed some light on what is can be considered as a mis-sold PPI. In a case where the Payment Protection Insurance is sold after furnishing misleading information or sometimes a policy is sold where you would never have qualified to claim coverage. Sometimes the sale is made without any knowledge of the customer where the Banks or lenders sell PPI as mandatory.in all these cases you are entitled to get a refund on your money through a PPI claim.

This has been a big mess, which was taking place all over. From small lenders to big lending brands, everyone has their share in this act of misleading. Today there are a lot of places that can help you claim your money back. Professional PPI claim calculators and legal experts can help you claim your PPI. A number of companies have mushroomed who can also offer expert advice on how to claim PPI.

PPI policies sold to unemployed, retired individual or an even student is a case of mis-selling. Valid PPi policies are those which were sold to a person who is under employment. There are special clauses which say that loss of income owing to illness, accidents or conditions like mental illness or backbone trouble is not covered by most of these PPI policies even though thousands of individual are rendered unemployed owing to such issues. While selling a policy if you are not informed that such cases will not be covered by your policy, you have a right to claim.

When you ask en expert how to claim PPI, one of the most recommended ways to start by getting in touch with the insurer in writing, which is one of the main steps of the complaint process for most Insurance companies. This way a financial investigator will get into the picture and delve deeper into you case.

The letter in the right format is available online; you simply have to download it and tweak it to suit your personal requirement and then send it through registered post so that you can keep a proof that the letter was received.
The financial services agencies is bound to take action to any complaints received within 5 business days and resolve the issue within two months from the date of receipt of the complaint.

You can find out more about – http://www.howtoclaimppi.org/

You can find out more about – Mortgage PPI Claims, How to Claim PPI
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Have You Got The Right To Claim Back PPI Payments?

Payment Protection Insurance (PPI) is actually an insurance coverage that is meant to safeguard clients in case he becomes incapable to pay his debt. It will take effect if the borrower dies, becomes ill or disable or perhaps becomes unemployed. The premiums are usually added along with the loan they’re acquiring or perhaps on various other credit agreement including their credit card. While it may seem like an effective insurance coverage that a person can get, it was discovered that it was missold. Because of this it is the right of every consumer to claim back ppi payments that they have made to their banks or lenders.

To find out if you’re capable to claim back ppi is to examine the agreement made between you and the lender. It needs to be verified that it has been mis-sold. This means that at the time you finalized the particular agreement you were either jobless, self employed, retired or perhaps undergoing medical treatment that prevents the debtor having a job when they took the insurance. Otherwise, the lending company might have misinformed the borrower that it was required to get their loans approved. It could also be made if the loan provider merely added the insurance payment devoid of the client’s knowledge.

In the event the borrower believes that they fall in the category mentioned, then it is definite that they’re liable to claim back ppi costs that were imposed on their loan, home loans or even credit card. It is advisable to evaluate all the fine print on the loan agreement to determine if it was added. Then the borrower can go to the company, lender or broker to make their claim. This may sound too simple but in real truth it entails a lot of work. This is exactly the reason why it is advisable to hire a Claim Management Company to guide in making the claims.

Normally a Claim Management Company provides the victim of missold PPI the help of claiming back the premiums they made. In addition they offer their particular services on a “no win, no pay” deal. This merely implies that the client is not required to pay the company if the claim is not approved. This is of good benefit to the client since they can be assured that Claim Management Company will follow up their cases with the financial institution to make sure that they get paid out appropriately.

One essential aspect to remember when hiring a Claim Management Company is that it must be licensed by the Ministry of Justice. It must be also authorized with the Information Commissioner Office as legitimate data handlers. By taking note of these two requirements the client can be confident that they will be able to correct the wrong performed to them by the financial institution.

It is every consumer’s legal right to claim back ppi fees that they were compelled to pay to the financial institution. To begin with it is their hard earned money thus it is about time to correct the wrong by hiring a Claim Management Company to make the process less difficult.

Go Claim PPI have a 100% success rate at helping people to gain compensation for valid PPI Claims in the UK.

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Go Claim PPI: Your PPI Claims Expert Right now

Payment Protection Insurance (PPI) is an insurance product that comes with loans, credit cards, and mortgages that is designed to protect those people who are rendered unavailable to make their repayments because of unemployment, illness or injury. However, many lenders miss sell PPI that is why many people now are making PPI claims.

Many people experience financial difficulties and stabilize their everyday costs to ease the problem. Even though many people don’t want to get a loan, they do not have other options. With PPI you need to pay a certain amount every month and when some reason the debtor can’t repay the borrowed funds, the claims addresses the money for a while. People who have particular medical conditions at the time of purchasing the PPI can have reasons to double-check their loan or mortgages terms and conditions. Those with heart conditions, back problems, diabetes or history of stroke may all effectively be omitted from payouts by several policies. Many have also been miss sold PPI over the past decade due to a failure on the lender’s part to completely describe the expenses of PPI.

So how will you know if you have a PPI refund? Well, you can ask yourself these questions: Were you unemployed or retired when you took out the loan or credit card? Were you self-employed when you took out the borrowing? Did you have medical conditions when you bought the PPI? Were you even asked if you had pre-existing medical conditions? Did you know about the exclusions? If you answer yes to all of these then you may have a PPI refund.

Go Claim PPI is a claims management company set up to handle an array of client compensation claims. All sources of a considerable Claims Management Company back up this management firm, which means you can be confident that they have the resources to pursue your PPI refund with vigor and take on even the largest bank. This type of business fights every single loan company and bank building society to reclaim miss-sold insurance premiums and excessive charges. The company specializes in all sorts of financial irregularity claims not only for PPI and just promotes on the web to maintain the business’ competitive costs. The management company is positive with their skill that they merely charge their customers if they are able to win them compensation.

Settling claims can take few weeks however they can be longer than 8 months or longer based on their problems. Every circumstance is different from each other as such payment time may also vary. The length of time for you to get your cash back depends on once you acquired the borrowing, what documents you have, how quickly the lender or the insurance provider replies, how supportive they are and the amount of statements they are dealing with. When you have already started claiming your refund but still desires to utilize the company, you may do so, as long as you have not taken your condition to the Financial Ombudsman Service.

The claims company provides a no win, no fee services that ensure no monetary risk for you and powerful files of accomplishment of pursuing and winning compensation that debtors deserve. If you choose Go Claim PPI to make your PPI claims, you may expect an assured and efficient service, combined with the optimum degree of compensation to which you are entitled.

Go Claim PPI have a 100% success rate at helping people to claim back PPI compensation.

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Effective Ways To Claim Back PPI Easily

Many individuals do not have enough knowledge about Payment Protection Insurance (PPI). This is actually crucial if you want to apply for a loan. In essence, PPI is a type of insurance similar to those they offer from credit cards, store cards and debt products among others. The main objective of this insurance coverage is to cover the unsettled payments of the borrower to avoid bigger problems. On the other hand, it may not be easy to claim back PPI without understanding the important factors and guidelines.

Remember that this insurance will not shoulder the repayments that aren’t under the conditions. PPI likewise comes into place and also deal with the payments following a certain time period. Furthermore, the payments will begin primarily after showing that the debtor encounters health problems, accident that impaired his / her state.

Lately, an alarming concern about this insurance coverage is that most people are mis-selling it. Many innocent individuals are the clear victims of such opportunists and lose their cash completely. Majority of the banks nowadays likewise require to anticipate for the results of the legal cases before they decide to launch the reimbursement claims. If this take place, claimers need to wait more time since this procedure is a very time-consuming issue. The banks will thoroughly review all the details of the mis-sold insurance before finalizing their decisions. Additionally, the outcome of the legal case needs to be identified by the banks initially before the borrower can claim back PPI.

Unfortunately, even if you present the results of the legal case, some banks will not easily accept them. Like in the United Kingdom, many popular banks declared that they will not recognize the challenge of the British Banker’s Association. The good news is that borrowers can still claim their PPI back regardless if they need to deal with the delays from these banks.

Through researching online, you get the chance to discover various options to help you claim back the insurance. You must however use the exact guidelines to meet the requirements of the bank. It is important to consider this strategy if you want to get your complete money back. Unfortunately, not all of us will spend time to deal with this particular strategy. The good thing about searching online is that you get these guidelines without spending money because these are available free. You may also find companies who offer their assistance to help you claim for PPI. Although spending money to claim your PPI back easily is great, you have to remember that numerous non-paying solutions are available online that can guide you claim back your insurance. Smart individuals will always think about this idea before they shell out money.

These days, majority of the banks experience several complaints about selling PPI to their clients of which they believe it not the right answer. Remember that through your personal effort, it is always attainable to claim back PPI with ease. With the exact guidelines, appropriate recommendations and believe on yourself, you will get what you wish very quickly and start enjoying the advantages once again without any problems.

Go Claim PPI have a 100% success rate at helping people to claim back PPI compensation.

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Advice on Making a Mis-sold Ppi Claim

What is mis-sold PPI?

Payment Protection Insurance (PPI) is a form of insurance sometimes called Accident Sickness and Unemployment (ASU) cover. It protects the repayment of a debt in the case of a borrower being unable to make payments for reasons out of their control. It was mis-sold by many loan companies and high street banks for a decade, with products such as mortgages, loans, credit cards and overdrafts being covered with unethical, and now illegal, PPI policies.

PPI was mis-sold by lenders to millions of people in the UK. PPI is classed as mis-sold if: it was added to a loan product without the policyholder’s knowledge; the policyholder was misled into believing that PPI was not optional; the policyholder was told that a loan or credit card was ‘protected’ without the full conditions or cost of the PPI being explained; or if the policyholder was led to believe that PPI would help with the approval of a loan. Some online lenders mis-sold PPI when they presented pre-ticked boxes for PPI, meaning that a borrower had to choose to opt out.

The mis-selling of PPI happened on a huge scale, with around a quarter of all PPI policies estimated as being mis-sold. This went on for a decade until April 2011. The courts then ruled that selling PPI in the ways mentioned was wrong and ordered banks and lenders to return a total of around £4bn of PPI to 2.5 million people in the UK. This money is only going to be returned to consumers who make a valid PPI refund claim.

Finding out if you have been mis-sold PPI

Now you understand the definition of mis-sold PPI, you may realise that you are one of the victims. Look through your loan agreement and find out if you have been paying money for ‘payment cover’, ‘ASU’, ‘payment protection’, ‘loan protection’ or a similar term. If you feel that these policies were sold to you under the false pretences mentioned above you are due a refund, even if the loan which your PPI was covering has been paid back.

You may find that your PPI was paid as an additional charge with each loan repayment, or as a one-off payment at the start of your contract.

If you are unsure who your lender was obtain a credit report, which will list all of your financial products. It doesn’t matter if you don’t have a copy of your paperwork for your loan either; once you know who your lender is, you have a legal right to obtain a copy of your original agreement from them for £1.

The rules of mis-sold PPI claims state that you can usually only claim if your account was active within the last six years. So as long as you were still paying back a loan and its mis-sold PPI six years ago, even if the loan was taken out ten years ago, you are due a claim.

How much can I claim?

Mis-sold PPI claims companies tell people whether they are entitled to make a claim and guide them through the repayment process. You will not be able to reclaim your full loan, but the mis-sold PPI on that loan will likely still be a sizeable sum which you can reclaim.

The figure which you are entitled to claim depends on the size of the loan, the cost of repayments and other factors. Someone who took out a loan of £3,600 for three years could be entitled to over £500. For bigger loans and mortgages this sum could be in the thousands.

Contact ABC‘s expert Claims Management team to find out if you have been mis-sold PPI. They will give you a free no-obligation assessment and guide you to a successful mis-sold PPI repayment on a no-win-no-free basis.

More information on mis-sold PPI

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Claim Back PPI Insurance With The Help Of A Professional Agency

PPI started out with an aim to help those looking for financial assistance in the form of a home loan or mortgage or even a credit card by protecting them for times when the payment was not likely to be made. This insurance was to hold good in the event of the borrower falling grievously ill, becoming bankrupt or even due to an accident or death. The problem with this was that most of the times the borrowers were not aware of the added liability of the PPI and it was only recently with a ruling that the PPI was deemed unethical and unnecessary that the procedure to reclaim PPI has started.

There are many ways to claim back PPI. One can apply for these claim reimbursements oneself but the procedure can be long and painful with innumerable forms to fill and hearings to attend. Someone with a busy work life will just not be able to follow up on this. Finding the relevant paperwork pertaining to the original financial agreement is by itself quite difficult. Contacting the Loan agency to ask for a claim back PPI can be awkward when they refuse to acknowledge the claim. Hiring the services of a claim back PPI insurance company is a better option especially when all the work is taken care of by them.

There are companies and agencies that specialize in claim back PPI cases and with all the paperwork and correspondence taken care of this becomes easier to deal with. A professional claim back PPI company is also regulated by the Claims Management regulator and these are the best agencies to work with till the culmination of the claim. These professional companies will also charge no fees until the claim back PPI insurance is won back by the client. This makes it a win-win situation for the client as he loses nothing yet stands to gain a lot when the reclaim PPI case is won. These professional companies are also well versed in the entire procedure and take up very little of the client’s time for this.

It has been found that the claims PPI process runs smoother when the claim is formalized by a company that is a professional at this and the payouts are not only better but also within the time specified by the claims authority. As the lending organizations are also aware that these claim PPI agencies have access to legal recourse as compared to an individual so the reclaim PPI process is definitely better when claimed by a professional claim agency.

Fungai Ben is UK Author. He provides free advice to make your website SEO friendly. He has applied his knowledge and understanding to a wide variety of reclaim PPI and claim back PPI.

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Are You Entitled to Claim Back PPI?

PPI or Payment protecting insurance has become a hot topic at present. Therefore when you have requested for a PPI, then it is important to know what are the cases or certification in order for you to determine if you’re entitled and eligible for a claim back PPI.

Payment Protection Insurance (PPI)

But before we continue, we will discuss what’s PPI about. PPI is an insurance policy that is a protection in the event you aren’t able to pay a mortgage or other loaning financial agreement just like that of a credit card. The thought here is, once you apply for PPI, the money that you are paying on a monthly basis would be the one to be employed to pay your financial loans or credit cards and protect you from lawsuit in several particular situations and reasons you’re in.

Though PPI has been offered for some years, this insurance has recently come into scrutiny for some incidence of misselling and misclaims. There are a lot of people who had signed PPI thinks that they may have granted and applied for PPI inappropriately and accidentally. And that’s why, most people are looking for reasons on and how to claim back PPI when it comes to missold policies.

Upon and in the entire process of studying these concern, it has been found out that there really are several people who have signed PPI and been rejected of claims since they are not eligible for it at the to begin with they have signed for it. Many people were surprised to find out that they are spending money on a policy that they won’t manage to use. Most of these individuals are retired people; they were paying for months and years the time when they are employed, only to realize that they will not gain from it.

Claim back PPI

Now, in case you have applied for PPI therefore better determine if you’re qualified for a claim. In this case, the first thing you need to do is do loads of checking. You need to examine and think about all credit documents that you have and had applied for in the previous years – your credit cards, mortgages and loans; all the stuff where you have lent money. If you have withdrawn a PPI for the situation that you will not be able to pay for this chances are you were not given the authority to examine the terms and the policy in where you can have a claim back PPI.

The process for claim back PPI can be complex so it’s important that you will get in touch with a attorney who concentrates on the laws that pertains to claim back PPI. You may inform yourself also by learning more about it via media, the net and others who had applied for PPI before.

At this point, in the procedure of claim back PPI, it is advisable to have a specialist work with the problem. If you’re not certain on how, why and what, then consult a specialist first to make claim back PPI smoothly and fast.

If you want to claim back PPI, you need to be sure of with the procedures. This way, you can make things much easier to accomplish. You will save more time as well.

Quick guide and information on how far back you can claim PPI.

http://www.ppiadviceline.co.uk/

Personal Payment protection is often mis-sold on the end of financial products to unsuspecting consumers.

PPI is a form of payment protection so that should you lose your job, fall sick or be involved in an accident you have secured your future financially for a short period of time.

However, PPI is not beneficial for many and thousands of people across the country have been mis-sold PPI without even realising it.

For example if you were not employed at the time you took out the insurance, it would be impossible for you to make a valid insurance claim.

If you believe you were mis-sold PI you can make a claim to get your money back. If you have several lines of credit over the past years you could have been sold more than once payment protection policy.

If you have a loan or have had a loan in the last 6 years you could be entitled to reclaim. Single premium PPI normally only lasts for five years and Those who bought PPI after 14th January 2005 are eligible to claim.

If your loan was taken out before this and you still have the paperwork you could claim, however your chances of success are reduced. If you don’t have the paperwork and your loan is still active, reclaim and ask for the paperwork.

Even if you have paid the loan off you could still claim back money that is rightfully yours.

Many leading high street banks have been fined over the issue of mis-selling PPI including Lloyds TSB, HSBC and Alliance & Leicester refunding consumers thousands of pounds.

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