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PPI Check FAQs

Frequently Asked Questions

Below are some answers to many of the questions we get asked on a daily basis.

If your question isn’t listed please feel free to contact us and our team of friendly experts will be happy to answer your question.

Why have you been contacted?

As a previous customer of ours we understand you may have a legitimate interest in this new line of claim. If you had your PPI claim rejected, or if you didn’t receive a full refund you may qualify. We can check this for you on a completely free, completely no obligation basis.

A new claim?

A Supreme Court ruling in 2014 stated that if a customer was not advised of the commissions that were retained by the bank for selling a PPI policy, it creates an unfair relationship.

What are PPI commissions?

Basically, the insurance provider paid the bank a commission for selling the PPI policy to you. The average commission was an obscene 67% of what you paid toward the policy.

Why weren’t you told about commissions?

Quite simply because it is unlikely you would have taken the policy out. Would you buy a £10,000 car if you knew it was only worth £3,300 and the salesperson was keeping the rest?

What about the PPI deadline?

The highly controversial PPI deadline was set by the Financial Conduct Authority (FCA), which sought to put a stop on claims being made after 29th August 2019. However, this potential claim is not affected by the PPI deadline.

Partial PPI refunds

Banks often only paid out a small proportion of compensation that could be due, as they relied upon the rules of the FCA, which could be argued are legally unsound. If you are unsure as to whether you received a full refund, we can check this too.

What do you have to do?

As a previous customer we retain records in accordance with the Data Protection Act 2018. Therefore, we still hold the decisions of the bank(s) in your case(s). All we need from you is your authority to review these decisions to see if you may qualify.

How much is the check?

The checks are completely free, with absolutely no obligation for you to do anything thereafter. It would be completely up to you whether you wanted us to do anything further for you with the information.

What if you qualify?

If we believe you may qualify to be compensated, we will let you know and send you a Legal Pack from one of our trusted panel of solicitors. It is then completely up to you as to whether you wish to proceed or not.

Any more questions?

We understand that the above may not have answered all of your questions, as there are many questions we are asked. If you have any questions at all, please feel free to contact us and we’d be happy to answer them for you.


References and Sources of Information

Supreme Court Ruling into undeclared PPI commmissions- Plevin versus Paragon Finance Limited

Financial Conduct Authority guidance to banks and confirmation of average commissions

2018 Court Case into unfair PPI commissions- Doran versus Paragaon Finance Limited

2019 Court Case into unfair PPI commissions- Akhtar versus Welcome Financial Services Limited



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