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Payment Protection Cover on Credit Cards

Most consumers are aware by now that many lenders may have mis sold payment protection insurance on some new loans originating within the past six to ten years. As a result more and more people are filing for a claim against payment protection cover that was mis sold as part of the lending process. Unfortunately, a good many people were also sold payment protection cover on credit cards and that too was an insurance product they didn't really need or couldn't use. If you are unsure as to whether or not you were mis sold payment protection cover credit cards insurance, it would be a good idea to talk to a claims specialist to see if there is a possibility of getting a refund.

Mis Sold Payment Protection Cover in the UK

Quite often consumers find that each and every loan they have taken out within the past several years has some form of payment protection insurance attached to it. This includes mortgage loans, personal loans at the bank and even credit card loans. In fact, payment protection cover on credit cards has become a very big business which is why so many UK consumers find that they have a valid payment protection claim. These work in the same way as any other PPI claim filed against a bank or mortgage lender in that the claim will first be reviewed by the lender at which point it will either be accepted as valid or denied.

What to do When a PPI Claim is Denied

Just like the appeals process when a bank denies a claim for a refund, payment protection cover credit cards claims can also be appealed through the FOS. The Financial Ombudsman Service reviews each and every payment protection cover claim they receive whether it is on credit card PPI cover or a bank loan PPI cover. If you have had a PPI claim denied by your credit card company then the first thing to do would be to file for a review with the FOS. Unfortunately, this can be a lengthy process as the FOS is inundated with appeals cases.

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