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PPI Charges

Are you being wrongly charged for Payment Protection Insurance (PPI)? Or have you been mis-sold PPI previously?

Financial Services Authority (FSA) research has found millions of customers across the UK have either been unfairly charged for PPI in the past or have charges for mis-sold PPI currently.

We are iSmart Claims, a UK specialist in claiming back unfair PPI charges.

We have helped over 100,000 customers, recovering more than £20 million in unfair PPI charges on their behalf.

On average we claim back a refund of £2200 for customers who have been mis-sold PPI and who have unfair PPI charges.

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 be able to recover your unfair PPI charges, today!

By thinking smarter, we will get you the refund you deserve.

Do you qualify to reclaim unfair PPI charges?

Being charged unfair PPI charges is a lot more common than most people think. 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 online, today!

If you can relate to any of the following cases found by the FSA, you will more than likely have a case to claim back unfair PPI charges.

• 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

Reclaim Unfair PPI Charges Online, Today!

If, after reading the above, you believe you are being unfairly charged for PPI or have previously had unfair PPI charges added to any finance you have taken out, we can start the process to reclaim your payments, today!

Apply online now and our specialist team will think smarter and immediately begin the process to reclaim your unfair PPI charges.

Do you require further information on the mis-sale of PPI? Or do you have additional questions about reclaiming your unfair PPI charges with iSmart?

If so, you can call one of our specialist advisors on 0800 043 3025