All about PPI

A PPI deadline is now in place. Make your claim now!

Full 22 year PPI history check from the claims firm with the best unedited reviews of any PPI reclaim company.

What is PPI?

Payment Protection Insurance (PPI) was a "fake insurance" product which was sold alongside loans, mortgages, and credit cards and is supposed to cover the repayments if the customer is unable to due to illness/accident or redundancy. So even if you knew you had PPI you were probably miss-sold it and our expert team will pinpoint why!

Most polices were sold to customers who would never have been eligible to claim, didn't know they were paying it, should of been advised of a more competitive policy or simply didn't want the insurance. After the Judicial Review court case in 2011 the banks were found guilty of mis-selling PPI and as a result paid out over £30 Billion to compensate customers with a further £80 Billion expected to be paid.

Many people do not even know that they have paid PPI as it was common practice with some banks to simply include the insurance without even consulting the customer. Even if you knew you had a payment protection policy you can claim.

Why use Civil Claim Services Limited and not a different company?

Best independent reviews of any UK claims company Facebook reviews  (as of May 2017)

Below average market price for working claims with no hidden fees

You will be allocated your own personal claims handler who will be accountable for looking after your file (you will speak to this person everytime you have contact with us)

We will not charge you on wins of under £100

We will verify any refund is correct and appeal where necessary (please see link to see why this is important) PPI compensation is becoming 'a bit of a lottery'

Bank charges, credit card charges and monthly fees also reclaimed with 8% compounding compensatory interest verified

In-House financial claim lawyers to appeal your case when necessary (please see link to see why this is important) Lloyds Banking Group fined for failing to handle PPI complaints fairly

We have access to a clause in the data protection act where we can locate loans and credit cards taken out from 1995 to 2008 then check them for PPI

If you were made bankrupt, entered into an IVA or came to a debt settlement agreement with your creditors we can take these cases on a no win no fee* basis see terms

We do not cold call and have no data sharing agreements with outside partners

I'm not sure if I had PPI, can you find out for me?

Yes! Many people don't know that they have paid for PPI so it's definitely worth checking so if you're not sure it's definitely worth checking. We can write to the bank(s) on your behalf and check if you have had any loans and/or cards in the past 22 years which have had PPI attached to them. As we operate on a no-win, no-fee basis, if we find no PPI on your accounts we will simply let you know that is the case and there will be no charge.

How can Civil Claim Services help me claim back PPI?

Many of our PPI team as well as being experienced lawyers have worked for the big banks on PPI projects we know the terms and conditions of the payment protection insurance intimately. This gives us the edge when it comes to getting you paid out fast, minimising the risk of a long drawn out fight.

My claim has already been turned down can you help?

Yes! So long as you have Payment Protection on a loan, mortgage or credit card we can get your case reopened even if the bank or Financial Ombudsman have said no to you being due a refund.

I may owe my bank money can I claim?

Yes we are one of very few claims companies / solicitors that will look to take on cases where bankruptcy, arrears and even where a debt management company is used to clear your old debts. The money dependant upon individual circumstances may be paid to you but provided you inform us before we start the claims process we will not charge you if your refund is used to pay off any arrears. Call 01606800181 to find out more.

What are our fees ?

Our standard fee is 24% inclusive of VAT and we only charge on wins of over £100 (should you have already attempted to claim or have had past arrears on financial products this fee may be altered to suit your needs) Don't just take our word for it read our reviews here Reviews

If you have a question not answered in the content above feel free to email or simply call us 0800 862 0605 for a free assessment.