August 29th 2019 is the Last Date to Make Your Claim
Was I Mis Sold PPI? Find Out...
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Here's How To Check If You Were Mis- Sold a PPI Policy.
Now that the banks have finally admitted that they have improperly sold payment protection insurance to thousands of their customers, you should also check if you were among those who were duped by these lenders into unwittingly buying PPI.
Here are some ways you can find out:
Ask Your Provider
Many PPI volunteer helpers have been campaigning and urging providers to publish some online guidance so that consumers can find out if they had even been sold PPI in the first place. Most—but not all—providers now have a phone number you can contact. Others have also published some form of online assistance in this regard. Here are the phone numbers you can ring if you have ever dealt with or borrowed from any of these major providers:
- Barclays: 0845 755 5555. Call any day from 7am to 11pm.
- Barclaycard: 0844 811 9111. Call any day from 7am to 11pm.
- Capital One: 0333 000 1601. Call Monday to Friday from 9am to 7pm. On Saturdays you can call from 9am to 2pm.
- Co-op: 08448 44 88 44 (for loans), 08448 75 87 55 (for credit cards), 0808 156 28 32 (for mortgages). Call any day at any time (24/7).
- HSBC: 08457 404 404. Call any day from 8am to 8pm.
- Lloyds Banking Group: 0845 601 2683 (Lloyds TSB), 08457 253 519 (Halifax/Bank of Scotland). Call Monday to Friday from 8am to 6pm. On Saturdays you can call from 9am to 2pm.
- MBNA: 0800 062 062. Call any day at any time (24/7).
- Nationwide: 08457 302010. Call any day at any time (24/7).
- NatWest and RBS: 0800 015 0319. Call Monday to Friday from 8am to 5pm.
- Santander: 0845 600 6014. Call Monday to Friday from 9am to 5pm.
If your lender isn’t listed here, do an online search and find their contact info.
If you are among the thousands who have been mis-sold a Payment Protection Insurance (PPI) policy, then some relief from financial distress is within your reach. That's because you're entitled to a PPI claim due to sadly being a victim of the PPI mis-selling scandal..
Check Your Paperwork
If your bank says that you were not sold PPI at all, you may need to see for yourself if they are telling you the truth this time. Check your paperwork and search for any mention of an insurance fee or product that will cover your payments if you lost your job.
This fee may go by any of the names used by lenders to describe it, such as loan care, retail payment protection, loan protection, ASU, protection plan, or payment cover. If you are not sure or if you see something on the paperwork you don’t understand, contact your lender and find out.
If you don’t have the copy of the agreement or the terms and conditions, contact the lender and ask for a copy of the paperwork. You’ll have to pay for these, and it may take some time especially if your account is already closed
Let a Claims Handler Investigate for You
The problem with asking a lender directly if you were sold PPI is that it may not be easy to trust them. Checking you own paperwork yourself is also problematic, since you were unable to notice the inclusion of the PPI before. To be truly sure, you can have professional claims company like Paxton Willis handle this for you so that you’ll stand a bigger chance of getting the money that’s rightfully yours. Be sure that any company you use is registered with the relevant UK regulator i.e. The Ministry of Justice.
You can also find a lot of useful information regarding the process on the Martin Lewis MoneySavingExpert (MSE) website, although MoneySavingExpert’s view is in favour of making your claim yourself (DIY). It’s your choice and for you to decide because all management companies will charge you to make their profit.
Incidentally, you don’t need a solicitor for making a claim (although we're a little biased on this one and prefer that you do :-)).