LOW 12% FEE! PPICLAIMBACKS.COM. PPI CLAIMS. PPI CLAIM BACKS. MIS-SOLD PPI. CLAIM BACK PPI
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Mis-sold PPI? - LOW 12% FEE! - Visit: www.PPIClaimBacks.com

Although there are regulations that banks and credit providers have to follow when selling a PPI policy, at least two million people have paid large sums of money for a policy they could never actually claim on.

PPI covers your loan repayments in the event of an unforeseen drop in income. If you are unable to continue work because of sickness or if you are made redundant PPI will insure you don't fall further into dept. The levels of cover for each policy and terms of payment can differ greatly according to the type of policy you have. Please read our checklist below to find out if you have mis sold PPI. If you can answer 'no' to any of the question on the checklist below you have probably been mis sold PPI...
Mis sold PPI checklist

Did the sales adviser who sold you PPI clearly inform you about the exclusions in the policy; for example, did you know that most PPI policies say you won't be covered if you are self employed or have pre-existing medical condition?

PPI is an optional add-on, was this clear to you at the time of purchase? Some sales advisers may have implied taking out PPI is mandatory and required in order to successfully get the loan or credit agreement.

If you purchased your PPI policy after the 14th of January 2005 did the sales adviser encourage you to take it out? They may have said something like 'We recommend you take out PPI to ensure you get the loan'. If so, the sale of the PPI policy counts as 'advised', they then should have been issued a 'demands and needs statement' to demonstrate why a certain PPI policy has been recommended and whats makes it suitable. If they did not do this then you have grounds for complaint. All of you PPI could be claimed back.
When the PPI was an add-on for a finance agreement or loan, did the sales adviser make it clear that you would have to pay 'up front' in one single payment?

If you had to pay for the PPI as a single payment, did the sales adviser make it 100% clear that the PPI's cost would be added to the loan and that you would be paying interest?

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'Single premium' PPI usually only lasts for five years so if your loan or finance agreement was for longer than this the sales adviser should have made it clear that the insurance would run out before you had finished paying for your loan. The adviser should also have told you that you would continue to pay the interest on the insurance premium, even after the insurance had expired. Do the advisor do this?

Claims for mis-sold PPI should be made no later than three years from the date you became aware that you had a right to complain. Statistics suggest 90% of all PPI policies have been mis sold, if your feel you were mis sold PPI or need some free advice please contact us to find out if you are eligible.

Visit us online to claim - http://www.PPIClaimBacks.com