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http://beta.aalf.org/wiki/index.php?title=AnneHutton744&action=history Revision history for this page on the wiki en MediaWiki 1.13.3 Sun, 01 Nov 2026 05:59:33 GMT http://beta.aalf.org/wiki/index.php?title=AnneHutton744&diff=24323&oldid=prev <p>New page: How To claim Back Mis-sold PPI What is mis-sold PPI? [http://www.abc-inc.co.uk/ppi.html PPI (or Payment Protection Insurance)] is a form of insurance which is taken out to protect the re...</p> <p><b>New page</b></p><div>How To claim Back Mis-sold PPI<br /> <br /> What is mis-sold PPI?<br /> <br /> [http://www.abc-inc.co.uk/ppi.html PPI (or Payment Protection Insurance)] is a form of insurance which is taken out to protect the repayment of debt in the case of the borrower being unable to make payments due to being made unemployed or suffering illness, incapacitation or death. It was mis-sold by many loan companies and high street banks for a decade, with products such as mortgages, loans, credit cards and overdrafts being covered with unethical, and now illegal, PPI policies.<br /> <br /> PPI was mis-sold by lenders to millions of people in the UK. PPI [http://www.abc-inc.co.uk/ was mis-sold] if: it was added to a loan product without the policyholder’s knowledge; the policyholder was misled into believing that PPI was not optional; the policyholder was told that a loan or credit card was ‘protected’ without the full conditions or cost of the PPI being explained; or the policyholder was led to believe that PPI would help with the approval of a loan. Online loans may have mis-sold PPI by the use of pre-ticked boxes, meaning you had to opt-out of PPI instead of opting in.<br /> <br /> The mis-selling of PPI happened on a huge scale, with around a quarter of all PPI policies estimated as being mis-sold. This went on for a decade until April 2011. The courts then ruled in favour of the consumer, and banks and other loan companies were told they must return a total of around £4bn to 2.5 million people. This money is only going to be returned to consumers who make a valid PPI refund claim.<br /> <br /> Finding out if you have been mis-sold PPI<br /> <br /> Now you understand the definition of mis-sold PPI, you may realise that you are one of the victims. Look through your loan agreement and find out if you have been paying money for ‘payment cover’, ‘ASU’, ‘payment protection’, ‘loan protection’ or a similar term. If you feel that these policies were sold to you under the false pretences mentioned above you are due a refund, even if the loan which your PPI was covering has been paid back.<br /> <br /> You may find that your PPI was paid as an additional charge with each loan repayment or as a one-off payment at the start of your contract.<br /> <br /> If you do not remember who the lender of your loan, credit card, mortgage or overdraft was, get a credit report, which will list all of your financial products for the past six years. It doesn’t matter if you don’t have a copy of your paperwork for your loan either; once you know who your lender is, you have a legal right to obtain a copy of your original agreement from them for £1. They may not provide the agreement if your account is closed, but you can ask for a full breakdown of your account for an additional charge, which will show PPI payment transfers.<br /> <br /> The rules of mis-sold PPI claims state that you can usually only claim if your account was active within the last six years. So as long as you were still paying back a loan and its mis-sold PPI six years ago, even if the loan was taken out ten years ago, you are due a claim. <br /> <br /> How much can I claim?<br /> <br /> [http://www.abc-inc.co.uk/about.html A company specialising in mis-sold PPI] will calculate this for you, as well as telling you if you have a case and guiding you to a successful claim. You will not be able to reclaim your full loan, but the mis-sold PPI on that loan will likely still be a sizeable sum which you can reclaim. <br /> <br /> If you took out a loan of £3,600 for three years with a monthly repayment of £100, you could be due a return of £540. For bigger loans and mortgages this sum could be in the thousands.</div> Thu, 15 Mar 2012 16:31:16 GMT AnneHutton744 http://beta.aalf.org/wiki/index.php?title=Talk:AnneHutton744