Also known as Accident, Sickness and Unemployment cover (ASU), Life & Accident, Sickness and Unemployment cover (Life & ASU), Mortgage Payment Protection Insurance (MPPI), Personal Loan Protection (PLP) or Credit Card Repayment Protection (CCRP), these policies are often sold alongside your credit card, loan or mortgage, or are ‘stand-alone’ policies that are not linked directly to a specific product or credit arrangement. These policies are intended to pay your monthly credit card or loan payments should you become unemployed or ill and find yourself unable to pay the monthly amount.

Many companies sell these policies without informing the clients they are optional, without fully assessing the client’s employment status or medical history and in many cases, this leads to people being sold policies they can never claim on. Some companies refund only a tiny proportion of PPI costs for those customers who pay off their loan early. If it was mis-sold to you then you can make a claim to get back the proportion of your monthly loan or credit-card payments that represented the PPI payments, plus interest. There are many reasons why PPI may have been mis-sold to you in the first place but the main reasons behind making a claim are described below. Just fill in and sign the enclosed forms and return them to us in the envelope provided and we’ll do the rest.

Yes, we need the statements from you as it can speed things up. We can write to your lender and use the Data Protection Act to enable them to inform us of all the PPI charges they’ve charged you. Companies are usually pretty slow in responding to these requests so if you do still have some of the original documents then please send us copies as it may mean you get your money back sooner.

You can claim back mis-sold PPI costs plus interest for the last six years. If you paid off your loan early and received little or no refund, we can make a claim for a larger refund, as companies are only allowed to charge reasonable administration charges.

This very much depends on how long your lender takes to respond to us. Eight to twelve weeks is typical but if we need to involve the Financial Ombudsman it can take an additional 18 to 24 months. We keep you updated on progress at all times.

For a successful claim, we charge you 20% per PPI claim.

For example; if we recover gross £1000 then our charges are £200 which leaves you with £800. Unlike some companies we don’t hide any costs behind clever wording.

We will work with you to ensure that you get the correct settlement or refund and any and all fair compensation that may be due to you as a result of mis-selling. We will deal directly with your provider, be it a bank or insurance company and neither we nor our specialist claims teams will be fobbed off by them at any stage. If their offer is too low or derogatory and they won’t take us seriously we will challenge them on your behalf. There will be little required from yourself by the way of input.

We are regulated by the Claims Management Regulator in respect of regulated claims management activities.