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PPI First Plus

If you have been mis sold PPI or another form of loan protection insurance, you have already considered making a complaint. If your loan was with Picture; however, you may be unsure of how to approach the claim process. Picture stopped providing in 2008, but this does not mean that you can no longer make complaints regarding older sales. In fact, in the second half of 2010 The Financial Ombudsman Service reviewed 400 new complaints regarding PPI First Plus and found in favour of the over in 86%.

If you are unsure whether your First Plus PPI policy was mis-sold it is helpful to think about the information you were given at the point of sale and the questions you were asked. Below are some specific examples of mi-selling.

The customer was incorrectly told they had to have the policy or that it would improve their chances of being approved for the loan.

The customer was pressured into taking out the loan.

The customer was sold a single-premium policy that would only provide them with cover for part of their loan repayment period.

The customer was over the age of sixty-five and, therefore, unsuitable for cover.

The customer was suffering from a pre-existing medical condition and was not told it would not be covered or was incorrectly told it would be covered.

The customer was unemployed, retired or in full time education and had no need for PPI which primarily covers loss of employment.

The full terms and conditions or costs were not explained to the customer.

The customer had cover in place elsewhere.

The customer was a member of the civil service or a serving member of the armed forces.

The policy was added without the customer’s knowledge or consent.

To started your PPI First Plus claim, call our team today on 0207 471 2000. We have already helped more than 60,000 customers and work on a no win no fee* basis.


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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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