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If you have a payment protection insurance policy then you are probably aware that there is a good chance your policy may have been mis sold-sold and you may be entitled to claim a refund. Many people are concerned about making a claim, though, fearing it will jeopardise their relationship with their bank or affect their credit rating. Keep reading to find out why you should claim now and why you could be entitled to thousands of pounds in compensation.

Was your policy mis-sold?

The first and most important question to consider is whether your policy was actually mis-sold. In order to make a claim for mis-selling you need to think about the information you were given and the questions you were asked at the point of sale. Below is a list of some questions to consider. Remember, if any of these situations apply to you, you should claim now. You have a right to make a complaint and you really could be owed thousands.

Where you told you had to have the cover?
If you were told you had to have the cover or that it would improve your chances of being given a loan or credit you were given the wrong information and could make a claim.

Where the policy terms and conditions clearly explained to you?
Most PPI policies have a high number of exemptions, so it is vital that your lender took the time to explain these to you. If you were not given full policy information before you took out your insurance you are urged to make a claim now.

Where you asked about your medical history?
Most PPI policies do not cover pre-existing medical conditions. Your lender should have asked you about your medical history in order to ascertain whether the cover was right for you. If you had an existing medical condition, and were not told it wouldn't be covered by your policy, you should start your claim now by completing the form above.

Where you entitled to sick pay from your employer or did you have cover elsewhere?
As part of the evaluation process, your lender should also have asked you whether you had cover in place elsewhere. If you had an existing policy or were entitled to full sick pay from your employer this cover would be of only very limited use to you. If this situation applies to you, you should claim now.

Where you made aware of the full cost of the policy?
PPI policies can be very expensive. Your lender should have made the full costs clear from the outset. If you were not made aware of the full costs of the policy you should make a complaint.

If you are still not sure if you can claim now and receive a PPI refund call our customer care team on 0207 471 2000.

Are you ready to start your claim?

If your policy was mis-sold then you have a right to make a complaint. It will not affect your credit rating or your relationship with your bank. You need only complete a simple form and we can do the rest. We work on a No Win No Fee* basis and you could receive your cheque in just 8 weeks. If you took out your policy several years ago, you are particularly urged to claim now as time limits do apply to some older policies.

Remember, there is no limit to how many claims you can make and you can even make a claim if your loan or credit card is paid off or you no longer use the account.

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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.

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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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