Payment Protection Insurance is supposed to cover your monthly payments if you are unable to work due to illness or redundancy.

If your experience was similar to the circumstances below you may have a claim and qualify for our 'Free Financial Health Check'


Your credit agreement  include Payment Protection Insurance that you did not need or ask for? (you may be paying interest on a product that was totally inappropriate)

Your lender may not have told you that the PPI insurer will probably reject your claim if you were self-employed, retired or had a pre-existing medical condition when you first took out the PPI insurance policy

You may have been led to believe that taking PPI would be more likely to get your application approved or the terms, such as the rate of interest, would be more favourable if the monthly payments were protected.

Some lenders make a lot of money in commission by selling Payment Protection Insurance (a fact that they do not always disclose to you) and often they do not tell you that this insurance is optional and may have been cheaper elsewhere

If we believe you have a claim against your lender we will charge a fee of 25% plus VAT of the total amount of compensation and savings we make you once you reach a successful settlement.

The Financial Ombudsman Service Annual Report 2009 stated that they had “received over 30,000 new cases about payment-protection insurance (PPI) and 18,500 complaints about credit cards - these two issues together made up around 40% of their workload” http://www.financial-ombudsman.org.uk.

We can offer you an alternate solution to using the Financial Ombudsman (often a more speedy settlement) where you challenge whether your Payment Protection Insurance was appropriate.

We help you reclaim your paid PPI premiums, plus interest, and reduce your agreement balance by cancelling the unnecessary and inappropriate Payment Protection Insurance policy.

If we have to take Court action against your lender to obtain a fair settlement we, and your barrister, will also provide you legal services on a ‘No Win No Fee’ basis

Consumer Credit Agreement Claims -  'No Win - No Fee'

Some terms on your credit agreements can create an unfair relationship between you and your lender.

Some lenders to not have the correct documents stating the terms you agreed to  when you first took out your loan, credit card, mortgage or hire purchase agreement.

Are the key financial terms on your agreement correct - if not - the whole agreement may be unenforceable against you by your lender