The PPI Claims Solicitor

Posted on 20 April 2010

PPI Radio City Advertisement

To create more PPI claim awareness of the fact that many thousands of people are entitled to claim back miss-sold PPI Policies Hutcheon Solicitors have teamed up with Radio City.

Here our Radio Advert:

PPI Claims - Radio City

It is no secret we have already claimed back £1000’s in PPI mis-sold policy payments over the last few years and we want as many people as possible to take advantage of our No Win No Fee legal service.

Start Your PPI Reclaim Today - Click Here

There are many circumstances in which Payment Protection Insurance claims (PPI) policies can be challenged as being miss-sold by a bank or finance provider and it is always worth calling one of our dedicated PPI claim advisors to discuss your own PPI claim and how much you may be able to claim back.

Frequently Asked PPI Questions and Answers

Below are the most frequently asked questions regarding PPI refund claims from our Clients which we hope you will find useful. If we have not answered any question you may wish to ask please call or send an email to us.

Q  How Can Solicitors Work For Free?

A.  Solicitors can Work For FREE if you lost your case. Quite simply NO WIN NO FEE on PPI refund claims means you do not have any financial worry instructing Solicitors. There is no need to go to any “middle man” or “claims company.” If court action is taken against the Banks or other lenders, only solicitors can recover legal costs if court action is taken.  In these circumstances it may not cost you anything at all WIN OR LOSE. There is only one thing to do and see a professional firm of solicitors.

Q Should I Go To A Claims Company?

You have a free choice. But we ask why put your PPI refund claim to a Claim Company who are not Professional Solicitors? Quite often the Claims Company will refer your case back to us. We would also ask you to be wary of “up front charges.” Some Claims Companies will ask you for an upfront fee to look into your claim. We never ask for upfront fees on account.

Q Do I Have To Pay You Any Upfront Fees?

Absolutely not. We never charge you an upfront fee unlike other Claims Companies. As Professional Solicitors we never charge you any fee up front where there is a PPI refund claim. Often our Clients cannot afford to pay any fee and we certainly do not wish to take money off them. We do not need to.

Q.  What Can I Claim?

A.  As your solicitors we can claim back the the cost of the Payment Protection Insurance (PPI) including the interest you have paid.  If the loan falls under the Consumer Credit Act it is likely that if the PPI was mis-sold the Bank or lender will be unable to enforce the loan against you which means that the loan is effectively written off.  However this will only be in limited circumstances.

Q How Can The Loan Be Written Off?

A.  When taking out a loan to buy a car, home improvements or just about anything there are strict laws on how the loan is sold, the interest rate applied (APR), total charge for credit, total amount payable, amount of payments, duration of the loan and details of charges to name but a few.

• Payment Protection Insurance (PPI) has been widely mis-sold.  Alliance-Leicester has been fined a record £7 million pounds for breaches.

• Consumer laws are to protect you, the consumer, from unscrupulous practices. Cost cutting, inadequate training of staff, incorrectly adding charges, when selling Payment Protection Insurance (PPI) and over-reliance on computer software has made many loans completely unenforceable. By filling in the wrong part of the credit form, or omitting a part of it can result in you being able to refuse to pay the balance of the loan and demanding the return of what you have paid including interest.

• As expert Payment Protection Insurance (PPI) claims Solicitors we will look at your case and paper-work carefully for errors, mistakes and evidence of mis-selling.  If we feel you have a claim for PPI refund and or writing off your loan, as your solicitors we advise you of your legal rights.

Q. Can I Really Have My Loan Written Off?

A. Yes, as specialist Payment Protection Insurance (PPI) claims Solicitors providing the Bank or other lender has mis-sold the policy and or has not completed the paper-work correctly you could be entitled to a wind fall pay out.  To have the loan written-off the Consumer Credit Act must apply.  As Solicitors we will advise you of your chance of success.

Q. Should I Refuse To Pay Back The Loan?

A.  No.  There are no guarantees.  As specialist Payment Protection Insurance (PPI) claims Solicitors whilst we will advise you of your chance of success you should try to continue with your repayments until a settlement is reached.

Q.  What Loans Do You Consider?

A.  As specialist Payment Protection Insurance (PPI) claims Solicitors we cover all types of credit agreements, car loans, credit cards, mortgage payments, with or without PPI policies.

Q.  Do I Need A Copy Of The Contract?

A.  Do not worry if you do not have a copy.  It helps if you do, but if not, as specialist Payment Protection Insurance (PPI) claims Solicitors we will obtain a copy of the loan agreement from the Bank or other lender.

Q. How Long Does It Take?

A.  The average time Solicitors take to settle a Payment Protection Insurance (PPI) is usually between 6 - 9 months.  However it can be quicker or longer as every case is individual.

Q. How Do I Claim?

A. In our opinion, as solicitors we estimate about 7 out of 10 loans sold with Payment Protection Insurance has been mis-sold for various reasons.  If you have been sold a Payment Protection Insurance policy linked to a loan above £5,000 use our contact form, call us for FREE 0800 011 2757 or engaged our live online confidential chat facility (see top right hand side of this web site).

CAN I CLAIM?

To find out more on whether you are eligible please click here.

COMPANIES FINED FOR MIS-SOLD PPI POLICIES

The Financial Services Ombudsman has undertaken detailed investigations into the Mis-selling of PPI policies. There are various companies who have been fined for details see right hand side of this web page. If you have been sold a PPI policy from one of the companies or one that is not listed we would be happy to advise you on a possible claim.

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Posted on 30 May 2009

PPI Claims Home >

Halifax PPI Claims

We have taken on a number of claims against Halifax in respect of mis-selling Payment Protection Insurance (PPI) which has been added on to a loan. Our clients are claiming the following:-

Return/Refund of the Cost of the PPI Policy

There are many claims for a refund or return of the PPI policy paid to Black Horse and to cancel the policy.

Loan to be Re-Written

To reflect the fact that the PPI policy should never have been added to the loan in the first place, that the loan should be re-written to remove the cost of the loan and to write-off all interest payments.

Halifax PPI Claims

Loan to be Written Off

On loans taken out prior to April 2007, there is a possibility that if the PPI was not optional, the entire loan together with the PPI and all interest could be written-off and refunded.

CLAIM NOW

If you think you have a claim take our 1 minute test by clicking on the link below.

Halifax PPI Claim Form Click Here

We operate a NO WIN NO FEE policy so you have nothing to lose to refund your PPI.

If you answer Yes to one or more of the following questions you may have a claim for PPI refund -

• Halifax failed to ask me about any pre-existing medical conditions when I took out a PPI policy
• Halifax failed to ask if I was or was shortly due to become self-employed when I took out the PPI policy
• Halifax failed to ask if I was retired or very close to retirement ages when I took out the PPI policy
• Halifax failed to ask if I was not employed (including student) when I took out the PPI policy
• Halifax failed to ask if I was a public services employee when I took out the PPI policy
• Halifax failed to ask if I had other protection policies in place when I took out this loan
• Halifax failed to advise me that  I did not need the PPI policy as I could have repaid the loan/outstanding balance using my savings
• Halifax failed told me that the PPI policy was compulsory and not optional
• Halifax failed to ask if I was not aware that the PPI policy was optional
• Halifax failed advise me that I would get a better interest rate or the PPI would cost much less if I took the PPI policy out with another insurer
• Halifax did not make me aware of the cost of the premiums on the PPI policy
• Halifax did not make me aware that the PPI policy cost would be added to the loan and I would pay interest on the cost
• Halifax did not make me aware that I had taken out the PPI policy when I took out the loan
• Halifax did not make me aware that I could purchase alternative PPI policies with other providers when I took out the loan
• Halifax did not make me aware that the PPI policy did not cover the life of the loan

Halifax PPI Claims

Our Top 6 PPI Mis-Selling PPI Claims

We have listed below the most common complaints by our clients against lenders for the mis-selling of PPI policies:

1. Pressurised Sales

The sales advisor tells the borrower that without the PPI they are unlikely to obtain the loan due to their credit history or something else which may go against them if they do not take out the PPI. This type of pressurised sale is one of the most common techniques used. It must be remembered that PPI policies should be optional.

2. Assumptive Sales

Our clients experience are such that the PPI was on an “assumptive sale” that is, the PPI sold by the lender “assumed” that the borrowers wanted PPI rather whether it was suitable for them. To sell any PPI policy the lender must investigate whether the borrower really does need the PPI policy and establish any existing cover through insurance or employment.

3. Failure to Ask About Pre-Existing Medical Conditions

All PPI policies contain small print that exclude pre-existing medical conditions. The sales advisor often fails to investigate and ask the right questions to ensure that the borrower would be eligible for the PPI. Any pre-existing condition would bar any claim and make the PPI worthless.

Mis-sold Halifax PPI Claims

4. Failure to Establish Existing PPI or Cover

Often the sales advisor does not ask the right questions on whether the borrower has any exiting PPI or existing similar cover which could be available through other insurance policies the borrower may have or through his/her employment. For instance the employer’s contract may pay the borrower his/her wages in full or in part for 6 months if they are off work due to illness. Should this be the case a careful analysis has to be considered to see if the PPI is suitable.

5. Did not Know About PPI

In a fair proportion of cases the sales advisor did not even tell the borrower about the PPI. The PPI cost was simply added to the loan without any knowledge. Should this be the case we will assume that the PPI was compulsory and therefore there is a chance that the loan could be written-off as well as a full refund of the PPI premiums paid.

6. Re-Selling PPI on Second Loans

There are other cases where our clients have been contacted by lenders to sell them a second loan. The second loan was then used to pay of the first loan (including the PPI) and then they have been sold PPI again. The PPI policy is “re-sold” or “churned” which in such circumstances are not fair to the borrower. The cost of the PPI in all loans sold in this way can be reclaimed or refunded and in certain cases have both loans written off in full.

Further Guidance

For more information on how to make a claim click here.
For more information about mortgage repossessions click here.

Mis-sold Halifax PPI Claims

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