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Claim Back PPI

iSmart Claims are a UK specialist in claims management, claiming back mis-sold PPI payments and reclaiming unfair bank charges

Been mis-sold PPI? We can reclaim your payments!

We have already helped over 100,000 customers, recovering more than £20 million in claims on their behalf

On average we claim back £2200 for a mis-sold PPI policy. Think smarter, we could claim back this amount or more for you!

Dealing with banks, the Financial Ombudsman Service (FOS) and the Office of Fair Trading (OFT) on a daily basis gives us the knowledge and expertise to begin the process to recover your mis-sold PPI payments today!

Apply online for one of our specialist team members to begin working on recovering any PPI payments you have made right away

Do you qualify to claim back PPI?

If you have a mortgage, loan, credit card, store card or have obtained any other finance in the last 10 years, there is already a good chance you can claim back PPI.

Mis-sold PPI cover claims are more common in the UK than many people realise. Around 90% of the UK public have a credit card or a loan and there is a chance all of these people could claim back PPI

Are you unsure whether you have PPI cover?

If you have a credit card you can establish if you have PPI cover by checking your monthly statements, as it should be stated. If you have a personal loan, mortgage or any other finance, you should check the original agreement but it might not be so obvious. If in doubt contact your lender to find out if you have a policy.

You may be eligible to claim back your PPI payments if any of the following cases apply to you:

• You didn't ask for a PPI policy, but it was added to your finance anyway
• It was implied PPI was compulsory or that by taking it, you would have a better chance of obtaining finance
• You wasn't informed payment protection was optional or that cheaper cover could be purchased elsewhere
• You wasn't made aware of the policy exclusions, for example: the terms for cancelling the cover or significant exclusions such as stress and back problems
• If you were unemployed, retired or self-employed when you took out the cover, you wouldn't be able to make a valid insurance claim
• If you had a medical problem or illness at the time of taking out the cover that could have kept you from working, PPI is unsuitable insurance cover in this case
• If you were sold a Single Premium policy, you should at least be able to get a refund by cancelling the PPI cover
• Many policies have an upper age limit, usually 65 or 70. You cannot claim if you were older than this at the time of taking out the PPI policy
• You already have alternative cover that could insure your repayments such as income protection or an employer illness or redundancy package, but were not asked about this, you could claim
• If you bought PPI to cover a long term loan, there is a chance that the insurance will run out before the loan is repaid. Many PPI policies will not cover the full loan term; the seller should have explained this limitation. If they didn't, you can claim

If any of the above cases are familiar to you, we can think smarter and reclaim your payments

Apply online today or for further information or additional questions about PPI, call one of our specialist team on 0800 043 3025