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Can I Claim?

You have probably heard about the Payment Protection Insurance scandal, but, like many people, you may be unsure whether you have been affected and whether you can make a claim. Just follow the simple steps below to find out if you could make a claim. The process is simple and you could receive a PPI refund worth £2500 in just 8 weeks!

Can I claim? Q1: Do you have PPI?

Because of the way in which PPI was sometimes sold many people have the cover and don't even realise. To find out if you have PPI, check a recent statement or your original credit agreement. If you are still unsure you can call your bank or credit card company and check. It is important to remember that PPI can be known by different names - some examples include: Loan Protection; LifeChoices; accident, sickness and redundancy cover and mortgage payment protection cover.

Can I claim? Q2: Was your cover mis-sold?

There are many different ways in which Payment Protection Insurance was mis-sold to customers. Outlined below are some of the most common.

  • The policy was added without the customer's knowledge. Unfortunately, many people had policies added to their loans without their knowledge or consent. If this happened to you, you can make a claim.
  • The customer was incorrectly told they had to have the cover. Sales staff were often paid high rates of commission to sell PPI. As a result, some used underhanded techniques to help boost sales. In many cases this included incorrectly telling some customers they had to have the cover. PPI was always an optional extra. If you were told you had to have the cover you could make a claim.
  • The customer was led to believe taking out the cover would improve their chances of being approved for the loan. Again, due to the way in which policies were sometimes sold, some customers were incorrectly led to believe taking out PPI cover would improve their chances of being approved for the loan. If you were told this you were given the wrong information.
  • The customer was sold the loan even though they were unsuitable for the cover. For example, many people who were unemployed or retired were sold PPI - obviously someone who is not in employment does not need redundancy cover!
  • The customer was sold the PPI cover without being made aware of the full terms, conditions or costs of the policy. PPI policies can be extremely expensive and can cost as much as 56% of the original loan value. Most PPI policies also have a high number of exemptions, for example many policies do not cover pre-existing medical conditions. If you were sold a PPI policy, but the terms, conditions or costs were not fully explained you could make a claim.
  • The customer was sold a policy that would not cover the whole life of their loan, but was not made aware of this. Many people were sold single premium PPI policies which typically last for around 5 years. This meant that anyone with a longer loan, E.g. 10 or 15 years, could be left without cover. Worse still many people were not advised that their policy would not cover them for the whole length of the loan.

Can I claim? Q3: I have paid off my loan or credit card, can I still make a claim?

Yes, you can make a claim even if your loan has been paid off or you no longer use your account. There is no limit to the number of claims you can make and you can even make more than one claim against the same lender.

Can I claim? Q4: How do I start my claim?

Simply complete the quick claim form above and we will send you out a pack with everything you need to get started. We work on a No Win No Fee basis and have already helped 60,000 customers to make a successful claim. Our average claim is just £2500 and you could receive this in just 8 weeks.

Can I claim? Q5: More questions?

If you are still unsure whether you can make a claim or you have any other questions, call our 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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