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Best PPI Claims

In 2006 The Office of Fair Trading and The Financial Services Authority launched investigations into the Payment protection Insurance industry. Their investigations revealed widespread problems and failings throughout the sector. As a result, the industry as a whole was warned to make improvements and many well known lenders were handed large fines. As a consequence, you have the right to make a complaint and we could help you make the best PPI claims possible.

Below is a list of some of the lenders who were fined.

Alliance and Leicester
Fine: £7 million
Date: October 2008
Reason: For serious failures relating to PPI telephone sales between January 2005 and December 2007.

HFC Bank, also trading as 'Household bank' and 'Beneficial Finance'
Fine: £1,085,000
Date: January 2008
Reason: Failing to protect customers from the risk of being sold an inappropriate or unsuitable PPI policy between January 2005 and May 2007.

Alliance and Leicester and HFC Bank received two of the highest fines handed down. If you were mis-sold a policy by either of these banks we could help you make the best PPI claims.

Capital One
Fine: £175,000
Date: February 2007
Reason: Failure to ensure important policy information was given to 50,000 loan and credit card customers between January 2005 and April 2006.

Fine: £721,000
Date: December 2008
Reason: Failures relating to PPI credit card sales between January 2005 and December 2007.

GE Capital
Fine: £610,000
Date: January 2007
Reason: Failure to properly regulate store and credit card sales. GE Capital supplies store cards for many major retailers including Debenhams and Topshop.

Liverpool Victoria
Fine: £840,000
Date: July 2008
Reason: Failings concerning the sale of single premium PPI policies between mid-January 2005 and early August 2008.

To make the best PPI claims and ensure the largest refund possible, simply complete the form about or call us on 0207 471 2000.

Still unsure if your Payment Protection Insurance policy was mis-sold? The list below gives some of the most common methods of mis-selling. If you answer 'yes' to any of these questions you could be joining the thousands of people already making the best PPI claims available.

Were you told you had to have the cover? PPI cover was never compulsory. If you were told this you were given the wrong information and could make a claim.

Were you told taking out the cover would improve your chance of being given the loan? Taking out PPI would not improve your chances of being given a loan. Your suitability for a loan is determined by your circumstances and credit rating which is unaffected by PPI.

Were you pressured into taking out the cover by a sales person? Many lenders offered staff high rates of commission to sell PPI and, unfortunately, this led some to use unorthodox methods to boost sales. If you believe you were pressured, bullied or intimidated into taking out a policy we can help you make the best PPI claims possible.

Did your lender fail to fully explain the costs, terms and conditions? In order to make a decision whether you wanted or needed the cover or whether it was right for you your lender should have first given you full information regarding the costs, terms and conditions. If this did not happen you could make a claim.

Were you retired, unemployed or in full time education? PPI is, in the main, designed to protect against loss of employment. If you were not employed when you were sold the policy it was, obviously, not suitable for your needs. Some of the best PPI claims are made by customers who discover they have been sold a policy that was totally unsuitable for their needs.

Did you have a pre-existing medical condition? Most policies do not cover pre-existing medical conditions. Your lender should have advised you that any existing condition would not be covered by your policy. If your lender failed to do this you could make a claim. We aim to get the best PPI claims settlement possible and could settle your claim in just 8 weeks.

Did you have cover in place elsewhere? If you already had cover in place elsewhere you may not have needed the PPI cover. Your lender should have asked you about your circumstances to determine whether the cover was suitable for you. If your lender failed to do this you could be entitled to make a claim.

If any of these circumstances apply to you and you would like to claim complete the form above. We have already helped 60,000 make the best PPI claims possible and we work on a No Win No Fee basis. Any questions? Call our customer care team on 0207 471 2000.

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Belmont Thornton Limited is regulated by the Financial Conduct Authority in respect of regulated claims management activities; FRN:838450

Belmont Thornton Limited is incorporated in England and Wales, Company number 6621233, whose head office at Unit B11, Kestrel Court, Harbour Road, Portishead, Bristol, BS20 7AN 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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