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Bank Charges Back

Just because you have been mis sold PPI doesn't necessarily mean that it will be easy getting those bank charges back. The first thing you will need to do is substantiate how you were mis-sold PPI and then you will need to figure out how much money was taken from you. Next you need to figure out how to file a claim against your lender. This is just the beginning. Once the lender has your claim they can either approve it or deny it.

Getting Those Bank Charges Back

The first step in getting those bank charges back is to file a claim against the lender as mentioned above. You will need to be very specific in regards to how you were mis sold payment protection. There are a number of ways in which you can prove that you have been mis-sold PPI which can be found on the website of the Citizens Advice Bureau, the Financial Services Authority or anyone of a number of professional PPI claims companies. If you can prove that you didn't know this cover was being added to your loan, your lender knew you would be eligible for this cover or that you were coerce you into buying it you will have a very good case which is necessary in getting those bank charges back.

Filing a Claim to Get Those Bank Charges Back

Your complaint should include information regarding the reasons you believe your policy was mis-sold. You should be as specific as possible and include copies of any supporting documentation. Once your complaint is received you will ordinarily receive with an offer of settlement, a request for further information or a rejection. If your lender requests more information you should provide this as soon as possible to enable your lender to investigate your claim. If your claim is rejected you should check whether you are eligible to have your complaint reviewed by the Financial Ombudsman Service.

Even though you can file a claim against your lender by yourself you may want to consider using Belmont Thornton because of the courteous and knowledgeable claims staff. They can take your phone call for an initial consultation, send a claims package out to you and help you gather all the necessary loan documents to file your claim. For more information call: 0207 471 2000.


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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.

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* 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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