0161 870 2224 info@guardianclaim.co.uk

Don't Know If You Had PPI?

Don’t worry,

we’ll find it for you!

u

Not sure if you had PPI?

You’re not alone. We take calls every day from people who suspect they were mis-sold PPI, but aren’t sure. We are able to track down your PPI even if you don’t have your old paperwork or account details via DSAR.

 


Q

No need to complete any forms

You probably want to appoint a claims management company because you simply don’t have the time or the patience to deal with the banks in reclaiming your PPI (and we don’t blame you). You complete the form then we send every letter, make every call and check every possible detail to ensure that you get the compensation you deserve

Your choice of communication

You can reach our claims managers directly on the phone, by email or you can even chat to any one of us by visiting our office.


U

Are We Regulated?

Yes. We are regulated by the Claims Management Regulator in respect of regulated claims management Activities.

How it Works

l

Fill Out The Questionnaire

Fill out the questionnaire

Z

Do I Qualify?

We establish you were missold PPI & submit the claim.

Receive Money

If you were mis-sold you could receive your compensation.

Why Choose Us?

i

We do All the Work

No Upfront Fees

Years of industry experience

~

Completely Private & Confidential

Frequently asked questions 

How can I find out if I have paid PPI?

Even if you don’t have your original documents and don’t know your policy numbers we can still help reclaim your money. We will send a ‘Subject Access Request’ to your lenders which will tell us what credit you have taken out with that lender and what your policy numbers were. We can then ask for copies of your statements that will help us figure out if you were being charged for PPI.

How do I know if I can claim?

It can be difficult to find out if you have been paying PPI and if so, how much. PPI can be called many different names by different providers. Examples are Accident, Sickness and Unemployment cover (ASU), Life & Accident, Sickness and Unemployment cover (Life & ASU), Mortgage Payment Protection Insurance (MPPI), Personal Loan Protection (PLP) or Credit Card Repayment Protection (CCRP) and many others. Luckily our advisers are experts at identifying PPI payments on credit agreements and statements.

How much will I get back?

It’s often a lot more than you expect. PPI was generally charged at around 15% and sometimes as much as 30% depending on the lender. In addition we will seek to claim back any interest you paid on the PPI portion of the credit (at the prevailing rate of the time) PLUS a statutory 8% compensatory interest on top.

How long will it take to get my money back?

From when we first contact your lender to file a formal claim for compensation, the time taken for them to respond can vary and some companies are known to prolong the process as much as they can. However, lenders are required to deal with PPI complaints within 8 – 12 weeks. If we do not reach a satisfactory conclusion within that time we will take your case to the Financial Ombudsman (FOS). Unfortunately this can add many months to the process, but the majority of PPI cases that go to the Ombudsman are awarded in the consumer’s favour.

Note: We don’t get paid until you do, so we are as keen as you are to get you back all you are entitled to as soon as possible.

How much do you charge?

We charge 20% of the money we get back for you.