PPI, abbreviated for payment protection insurance, is something that people were getting mis-sold on loans, credit cards, mortgages, and even store cards. The idea of it was you paid a certain amount each month on top of your standard monthly payments, to cover payments on these, when you for whatever reason, couldn’t do so yourself, such as loss of job, or an injury preventing you from working.

However, when a lot of people found themselves in those situations and tried claiming on their policy, they were to find these claims rejected. For example, a lot of self-employed borrowers were encouraged to take out a PPI policy in case their business went under and they were unable to make a payment, however when it came to it and they did try to make a claim, the majority of vendors were rejecting these claims, as PPI ‘didn’t cover that sort of loss’. Which begs the question, if this was the case and a supposedly valid claim was rejected, then why were banks attaching payment protection insurance to these loans?

Self-employed people weren’t the only ones to be mis-sold payment protection insurance though, plenty of people were hit hard by this scam, people with sick-pay schemes at work, housewives and retired lenders were all landed with PPI on their loans when it wasn’t needed, meaning they were paying for insurance that they couldn’t even claim on.

So I bet you’re sitting here now wondering; how do I know whether I’ve been paying PPI? And more importantly, how do I go about getting it back?! Don’t worry about that for a second. Claim Resolution, part of the Claims Advisory Group at the minute claim back over £2 million per month in compensation on mis-sold payment protection insurance, whether that’s on loans, credit cards, mortgages or store cards. Claim Resolution work on any claim you make (providing it’s been within the last ten years) and also work on a no-win no-fee basis*, meaning if your claim does come back unsuccessful, you won’t have to pay a penny.

So contact Claim Resolution, part of the Claims Advisory Group, to get your claim up and running. Once everything is good to go, all you have to do is sit back and wait for your potential claim to clear into your bank, and all in a risk-free process.

*Fee may be payable if case is not pursued at clients request

Claims Advisory Group is here to help you reclaim. With experienced and professional claims handlers, you will get a hassle-free service which requires minimal effort from yourself. All you need to do is fill out the initial paperwork,  which we will go through with you. It is that simple!

We urge you to check your loan agreement for any clues that you have been mis-sold, especially if you have had your policy within the last 10 years. PPI has been mis-sold alongside various products, however, loans, credit cards and mortgages are the most common. By using the Claims Advisory Group to reclaim you will have a simple claiming experience.

For a claims company you can trust use Claims Advisory Group, what have you got to lose?

Many lenders set aside funds for claim resolution pay-outs but despite this it can still be difficult convincing a lender the correct result of your claim resolution. There are certain things you can do to give yourself a greater chance of successful claim resolution. In order to determine the grounds for your claim and gain a successful claim resolution Claims Advisory Group will need to understand the details of your claim.

For a claim resolution to be in your favour it is vital that Claims Advisory Group can demonstrate that the PPI was mis-sold. This means you were not made aware that PPI was included, were told it was compulsory or it failed to address your circumstances.All successful claim resolution cases are due to one of these circumstances.

When you call Claims Advisory Group they will ask you questions to determine your grounds for making a claim and the likelihood of a successful claim resolution and so it is helpful if you have the loan paperwork and remember what you were told when you took out the loan and PPI.

How do Lenders Decide upon Claim Resolution for Your Case?

The Financial Services Authority (FSA) has set out guidelines to which the lenders must adhere when deciding upon a claim resolution. It is not unusual for lenders to decide upon a claim resolution that states you are not due your money back. Claims Advisory Group will take an unsatisfactory claim resolution to the Financial Ombudsman.

When mis-sold PPI does not result in successful claim resolution the decision can be appealed with the Financial Ombudsman Service (FOS). This process of appeal was put in place due to inconsistencies by lenders that did not result in the same claim resolution results for all consumers making claims on the same grounds.

Of all appeals made to the FOS last year over half were found in favour of the consumer, a figure that is supported by the findings of the Claims Advisory Group. This statistic demonstrates that for consumers the claim resolution should not stop with a lender’s rejection letter.

If the result of your PPI claim to the lender was an unsuccessful claim resolution, Claims Advisory Group will advise you of the process involved to take your claim to the FOS and will manage the process to full claim resolution for you.

If the FOS supports your appeal the claim resolution result cannot be further appealed by the lender.

If you have been mis-sold PPI then make your claim today by contacting Claims Advisory Group. Remember a successful PPI claim resolution will mean money that is rightfully yours is back in your own pocket.

A successful claim resolution doesn’t just mean a return of the money you paid for PPI, payments will also include interest that the money would have accrued, Claims Advisory Group will advise you of the total figure.

So don’t delay! Contact Claims Advisory Group and enable them to manage a PPI claim resolution for you.

However, if you were retired, self-employed, unemployed or had an existing medical condition at the time of purchase, it is very likely that your PPI policy is void and therefore completely worthless if you ever came into the situation when you needed it most. This is just one of the multiple ways that payment protection insurance was mis-sold to consumers.

Many people who are aware of the payment protection scandal may be unaware that they could actually be involved. Thousands of people have been mis-sold PPI without even realising it. This was made possible by PPI policies being added to loans, credit cards and mortgages without the policy holder’s knowledge. In this instance Claims Advisory Group urge you to check your loan, credit card or mortgage documentation to see if you have been mis-sold.

If you find that you have been mis-sold then Claims Advisory Group would be happy to handle your claim. With experienced and efficient claims staff, Claims Advisory Group claim back a monthly average of £2million of mis-sold policies for their clients. If you would like to find out more about Claims Advisory Group, contact them today on 0800 027 9744.

The bank is set to retrieve a total of more than £1 million worth of bonuses from its former chief executive Eric Daniels and another 4 current and previous seniors to the company under a new clawback scheme. This bold move from the banking group should prompt others to follow their lead which has been understood to have come from their Chief Executive Antonio Horta Osorio.

Antonio Horta Osorio volunteered earlier this year to give up his £2.4 million bonus because he had been absent for months due to exhaustion. The boss felt that bosses’ bonuses should reflect hardships suffered by their customers during the crisis.

This clawback has come amid the payment protection insurance scandal. Claims Advisory Group would be happy to help you with your payment protection insurance claim for a mis-sold policy.

Claims Advisory Groupwill handle the whole claim from the start to claim resolution which may include appealing the decision to achieve claim resolution through the Financial Ombudsman.

How can I tell if I have been mis-sold PPI?

Not being told you had PPI, being told you had to have PPI to take the loan and being sold PPI that did not cover your circumstances are all grounds for bringing a PPI claimand receiving a pay-out as claim resolution. Speaking to an expert at Claims Advisory Group will provide further information.

How far back can I claim?

You stand the best chance of receiving a favourable claim resolution and pay-out if your last payment was within 6 years, contact Claims Advisory Group for more information.

How long will the claim take?

It could take anything between 12 weeks and 18 months depending upon the simplicity or complexity of your case.

What is the largest PPI claim that Claims Advisory Group has achieved?

Claims Advisory Group has achieved an individual PPI claim resolution of £34,621 for one happy client.

What is the average claim that Claims Advisory Group achieve?

Claims Advisory Group achieves an average pay-out in excess of £2500 for clients upon claim resolution.

How much does Claims Advisory Group successfully claim for clients each month?

Successful PPI claim resolution pay-outs exceed £2million each month.

Will Claims Advisory Group charge me if my claim is not successful?

If the claim resolution is not in your favour Claims Advisory Group do not charge you for work they have undertaken, however the fee may be payable if case is not pursued at clients request.

Claims Advisory Group is committed to achieving claim resolution for their clients and has a proven record of success. In fact Claims Advisory Group has successfully reclaimed mis-sold PPI for thousands of people just like you.

If you believe you are one of the millions of people mis-sold PPI then contact Claims Advisory Group without delay to discuss your situation. Claims Advisory Group will then provide you with specialist advice and how to proceed with your claim.

Claims Advisory Group guarantees you will not pay an upfront fee and if your claim resolution is unsuccessful you will not pay a penny.

The advisors at Claims Advisory Group ensure that from your call until claim resolution you benefit from expert advice. The dedicated Customer Services Team at Claims Advisory Group ensures you are looked after. Don’t take our word for it read the testimonials from Claims Advisory Group clients.

Even if you are unsure whether you have a claim Claims Advisory Group welcomes your call. If Claims Advisory Group advise that you were not mis-sold PPI then you have the answer without it taking any more of your time.

Still Unsure? Let the facts speak for themselves…

• Claims Advisory Group successfully achieves claim resolution that totals over £2million every month on behalf of their clients.
• Claims Advisory Group manages all size claims on behalf of their clients.
• PPI was mis-sold in many ways and Claims Advisory Group understands them all.
• Many lenders have admitted responsibility for mis-selling PPI. Claims Advisory Group knows these lenders and has experience achieving claim resolution from them.
• If your lender rejects your claim Claims Advisory Group may take it to the Financial Ombudsman to obtain a claim resolution in your favour.
• Claims Advisory Group manages the claim from start to claim resolution on your behalf.
• Claims Advisory Group use a free-phone number so even making that call is free.

PPI is a product that was supposed to cover monthly loan re-payments for policy holders if they came into financial hardship.  However, after the policies were tested it has come to light that many policies are void because some of those mis-sold never qualified for the insurance in the first place. If you would like to use a Claims Management Company to help you claim back then Claims Advisory Group could be the one for you. They have a friendly team of staff who will try to re-claim your compensation as well as help answer your queries along the way.

The Financial Ombudsman Service (the official independent body for handling financial disputes); have revealed that claims for the next financial year of 2012/13 are already up from those from the current financial year at 130,000 cases.

This high number of complaints relating to the same mis-sold product is predicted to make up about half of the Financial Ombudsman’s workload. Therefore, they have devised plans on how to cope with the mass claims by charging an additional £350 per PPI case to businesses that have mis-sold.

The reason for the additional fee is that the financial watchdog believes that the money for processing PPI claims shouldn’t be paid for by those not involved in the mis-selling scandal.