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Mis Sold PPI on Credit Cards

After checking all your loans for mis sold payment protection you finally feel that you have an accounting of all the money that is owed to you only to find that you have missed on very important group of lenders - your credit card companies! For some reason some people just seem to lump credit cards in another category and fail to think of them as loans. Actually, you could be owed thousands of pounds when all is said and done if you tally back bank charges on mis sold PPI on credit cards in with all those personal loans, mortgage loans and automobile loans. By being aware of all the places you can find hidden payment protection insurance on loans you can claim back everything that was taken from you.


One of the ways that PPI was mis-sold on credit cards in the past is by telling you that this is the only way you will qualify for credit. If this tactic is used on you, or has been in the past decade, then you could be entitled to file one or more payment protection claims against those credit card companies. Other ways in which you can be mis sold PPI on credit cards is to be promised cover when you obviously fit into one of the 'exclusions.' For example, those over the age of 65 are excluded as are full time students, those who are temporary employees and self-employed individuals. Unless you can benefit from the cover, credit card companies are not allowed to misrepresent the policy by saying that it will make payments when it clearly won't.

The Advent of Mis Sold PPI on Credit Cards

Some credit cards are issued on local banks while others come in the post and are issued on obscure banks from around the UK. In any case, it will be necessary to file a claim with the issuer of the credit card. As a matter of fact, in the mid to latter part of the last decade there was a good bit of competition amongst credit card companies who issued more cards than they should have based on consumers' credit. In some cases they charged exorbitant amounts of interest and then tacked on PPI as well.

By contacting each credit card issuer individually it is possible to file a claim with each and every one to claim back mis sold PPI on credit cards. For many, the easier workaround is to file through an organisation such as Belmont Thornton that works on a no win no fee* contingency. They can file a claim with each and every lender, including those credit card companies, saving you the hassle of writing dozens of letters requesting the lender review your file.  If you are ready to claim back what's rightfully yours, call 0207 471 2000 to speak with the claims team today.

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