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Abbey PPI Claims

Why You Can Make A PPI Claim Against Abbey

  • Did Abbey explain the full cost of the PPI when you took out the loan?
  • Did you specifically ask Abbey for PPI?
  • Did Abbey make clear that PPI was optional?
  • Did Abbey ask you about your medical history?
  • Did Abbey ask you about any existing payment cover?
  • Did you know that Abbey added a PPI policy to your loan?
  • Do you think Abbey treated you fairly?
  • Did Abbey ask if you have any existing medical conditions?
  • Did Abbey ask if you were entitled to sick pay from your employer?

If you have taken out a loan or mortgage through Abbey in the past and you think you have been mis-sold a Payment Protection Insurance policy you may be confused where to go to make a complaint. In January 2010 Abbey disappeared from the high street altogether replaced by branches bearing the name of its owner Santander. If you still have your Abbey account you have probably received a new Santander card, account number and cheque book, but if you closed your account with Abbey before this time you may be unsure how to make a complaint or even whether you are still entitled to.

The good news is when Santander purchased Abbey in 2004 it also purchased responsibility for its customers. This means if you would like to make a claim regarding a Payment protection insurance policy purchased before or after the Santander buy out you still have the right to make a complaint.

If you have a payment protection policy with Abbey or any other bank, building society or broker, but are unsure whether the cover was mis-sold our list below should be able to help.

Where you given the wrong or misleading information at the point of sale?

  • Where you told you had to have the policy? PPI is an optional extra. If you were told you had to have the cover you could make a claim.
  • Where you told taking out the payment protection insurance would improve your chance of being given a loan? Taking out a PPI policy would not affect your credit rating which is the deciding factor, along with your circumstances and income, as to whether you are given a loan.
  • Were you sold the cover without the terms, conditions or costs being fully explained? In order to decide whether the cover was right for you your lender should have made you fully aware of the full costs of the policy along with any exemptions and terms. If you did not receive this information your policy may be considered mis-sold.
  • Were you sold a single-premium policy without being told it may not cover the full length of your loan? Single-premium payment protection policies have now been banned, but for many years they were one of the post common types of PPI. The issue with single-premium policies is they usually only last for a maximum of five years, but were frequently sold to customers with longer loan terms. In many instances customers were not made aware that the insurance would not cover the full length of the loan. If this happened to you, you could be eligible to make a claim.

Where you sold a policy despite being unsuitable for the cover?

  • Did you have a pre-existing medical condition? Most payment protection policies do not cover pre-existing medical conditions. Your lender should have asked you about your medical history, to ascertain your suitability for the cover, and warned you any pre-existing health conditions would not be covered. If this did not happen you could make a claim.
  • We you unemployed, in full time education or retired? Payment protection insurance is designed to cover you if you are unable to work for a short period of time. If you were not in employment when you were sold the policy you clearly had no need of this type of cover.
  • Did you have cover in place elsewhere or were you entitled to full sick pay from your employer? As part of your assessment your lender should have asked you whether you had payment protection in place elsewhere or if you were fully covered for sickness by your employer. If you were not asked these questions you may be able to make a claim.

If you think one of above circumstances applies to you, you can make a complaint. We have already helped more than 60,000 people and our average customer claim is £2,500. Whether your policy was sold by Abbey or any other lender you can talk to our claims team today by calling 0207 471 2000.

We also help customers by claiming back bank charges. If you believe you have been charged fees on your credit card that were unfair you could be entitled to reclaim hundreds, or even thousands of pounds, from your lender.


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Further Reading

Belmont Thornton Limited is regulated by the Claims Management Regulator in respect of regulated claims management activities; our registration is recorded on the website www.gov.uk/moj/cmr number 18273

Belmont Thornton Limited is incorporated in England and Wales, Company number 6621233, whose head office at Unit 16, Elysium Gate, 126 New Kings Road, London, SW6 4LZ and registered office at Harwood House, 43 Harwood Road, London, SW6 4QP.

Belmont Thornton Limited is registered with the Information Commissioners Office. Registration number Z1728023.

Please note that calls may be monitored for the purposes of staff training.

* Belmont Thornton operates on a "No Win No Fee" basis. This means that there are no upfront costs to pay. Our fee only becomes payable on a successful outcome of a claim. A cancellation fee is payable if you decide that having instructed Belmont Thornton to act on your behalf, and after 14 days of signing your Letter of Authority, you do not wish to continue pursuing your claim with us. The cancellation fee is the reasonable costs incurred for the work undertaken. Please see our terms of engagement.

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