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Payment Protection Insurance Refund

Whilst each lender may have varied payment protection insurance refund polices when it comes to reviewing claims for PPI refunds, the FSA in the UK has also established a set of guidelines which must be adhered to. There may be some amount of leeway in terms of how banks and other lenders handle claims that are submitted, but even then there are certain procedures for claiming back bank charges they must follow. Perhaps the most basic is that a lender must review each and every claim alleging mis sold and each claim must be weighed on its own merits. They must also complete their investigation in a timely manner, usually within eight weeks.

Filing a Complaint

When you are trying to claim back PPI the first thing to do is to submitted your complaint. There are two ways you can submit your complaint. Firstly, you can submit your complaint on your own and, secondly, you can file through a PPI claims company. Whichever way you choose to submit your complaint you will need to include details of your policy and the reasons you believe it was mis-seold. Your lender will then review your complaint and make a decision as to whether they will award you a payment protection insurance refund. Where your complaint is refused, you would normally have the option to appeal once internally before deciding whether or not to escalate your complaint to the Financial Ombusman Service.

For many consumers, filing for payment protection insurance refunds through a PPI claims company is just so much easier. A claims handling team like that at Belmont Thornton can handle it all, including any communications with the lender or the FOS during the process. If you are looking for a company to act on your behalf with no upfront charges, this would be the perfect option as they operate on a no win - no fee* policy. Call the claims team today on 0207 471 2000 for further information on filing for your PPI refund.


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Belmont Thornton Limited is regulated by the Claims Management Regulator in respect of regulated claims management activities; our registration is recorded on the website www.gov.uk/moj/cmr number 18273

Belmont Thornton Limited is incorporated in England and Wales, Company number 6621233, whose head office at Unit 16, Elysium Gate, 126 New Kings Road, London, SW6 4LZ 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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