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PPI Refunds

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Millions were mis-sold PPI cover they didn't need or know about, which often proved to be useless. Are you paying for insurance you don't need or won't be able to use? We can tell you if you may have been mis-sold PPI and we could help you get a PPI refund. All on a no win, no fee** basis.

THE PROBLEM

Did you borrow money, but your lender insisted that you take out insurance cover in case you couldn't pay? This is PPI, an often expensive cover that’s meant to help you if you can't make your payments. In reality, this cover often proves to be useless when you need it. Are you paying for insurance you don’t need or won’t be able to use? if so, then you may have been mis-sold PPI.

THE SERVICE

We along with the FCA (Financial Conduct Authority) and CAB (Citizen’s Advice Bereau) believe millions of Payment Protection Insurance policies have been mis-sold. We could help you get a refund on any mis-sold PPI including interest. All on a no win, no fee basis**.

HOW TO CLAIM

Our expertise in reclaiming mis-sold PPI makes the whole process simple. Find out if you may have a claim for PPI compensation. If you have, you could be owed a refund. Simply fill in the contact form on the left of this page and a specialist advisor will be in touch.

FREQUENTLY ASKED QUESTIONS

WHAT IS PPI?

Payment Protection Insurance (PPI) may have been sold to you when took out any kind of loan (Mortgages, Secured Loans(against property), Credit Cards, Store Cards, Overdrafts Unsecured Loans & Hire Purchase Agreements (car or purchases). It is a protection insurance sold to cover your monthly payments in case you have an accident, fall sick or become unemployed.

WHAT INFORMATION DO I NEED TO PROVIDE YOU WITH?

All we need from you are the key details that the Refund Pack ask. There are no right or wrong answers, but every bit of information you give us, however small, may assist us to achieve the best outcome for you. Don’t worry if you can’t answer all the questions in the pack, just call one of our advisors on 0800 051 54 51 and they’ll talk you through it. Once we initiate your complaint we can obtain any further information we may need to build the strongest case.

WILL THIS CLAIM AFFECT MY RELATIONSHIP WITH MY LOAN COMPANY OR BANK?

No, The Financial Conduct Authority (formerly the Financial Services Authority) does not allow any company or financial institution to disadvantage a customer because they’ve made a complaint.

HOW LONG WILL MY CLAIM TAKE?

On average it takes around 6 months. As each claim is treated on an individual basis this may vary. If a claim has to be referred to the Financial Ombudsman Service (FOS), a claim may take up to 2 years.

WHAT CAN YOU CLAIM BACK FOR ME?

All PPI premiums actually paid plus 8% interest up to the date of the claim. As part of our claims process we will check for accounts with PPI for the bank you have asked us about and their associated group companies.

HOW MUCH WILL THE SERVICE COST ME?

We operate only on a No win No fee** policy. That means that if your claim is unsuccessful, you pay us nothing. If you do have a successful claim, we will charge 33% + VAT of your final win value. You do not have to pay anything upfront, and will only be asked for payment once your funds have cleared.

ARE THERE ANY OTHER NAMES FOR PAYMENT PROTECTION INSURANCE (PPI)?

Yes, PPI has many different names including:

  • Accident, Sickness and Unemployment Insurance (ASU)
  • Loan Protection
  • Card protection
  • Gold, Silver or Bronze Cover (normally provided with Northern Rock and HBOS loans)
  • Loan Care

WHY SHOULD I USE BRUNEL FRANKLIN WHEN I CAN DO THIS MYSELF?

  • Brunel Franklin has been dealing with financial claims since 2004 as a leading and trusted firm who go that extra distance on behalf of their clients
  • Brunel Franklin has the experience to pin point all the reasons for a potential mis-sold policy.
  • Brunel Franklin have successfully recovered in excess of £60M in additional refunds for customers who had previously made claims (before fees and taxes).
  • Brunel Franklin have many happy customers as demonstrated by a near five star customer satisfaction rating conducted by independent firm Feefo.
  • Brunel Franklin will endeavour to make sure that the company you're claiming against follows the Financial Conduct Authority (formerly the Financial Services Authority) guidelines and time limits within the industry.

HOW DO I KNOW IF I'VE BEEN PAYING PAYMENT PROTECTION INSURANCE?

A lot of people are not aware that they’ve been paying Payment Protection Insurance and even those people who expressly stated that they didn’t want PPI may still have had it added to their agreement. The only way to be certain is to check your loan/credit card agreement. A recent survey of successful customers showed that 65% of respondents either did not know, or were unsure whether they ever had PPI†. If you are unsure please call us on 0800 051 54 51 and we can find out for you.

I TOOK OUT A LOAN/CREDIT CARD WITH MY PARTNER BUT WE'RE NOW DIVORCED, CAN I STILL MAKE A CLAIM?

Yes you could still get a refund. If the loan/credit card is in joint names we would need the signatures of both yourself and your ex-partner, and your ex-partner would have to be willing to make a claim.

I HAVE ALREADY HAD A SUCCESSFUL PPI CLAIM, COULD I BE OWED MORE?

Yes. Brunel Franklin can look into cases where a refund has already been given, and if you are owed any more, we can help you to recover the full amount. To date, Brunel Franklin have recovered in excess of £40m in ADDITIONAL redress for customers who previously had successful claims . Any additional refunds will also be under the no win no fee** policy, so you really have nothing to lose!.

CAN I COMPLAIN ABOUT THE MIS-SALE EVEN IF I'VE MADE A SUCCESSFUL INSURANCE CLAIM?

Yes. We will assess your case on its own merit once the pack is returned. Please provide a summary of the claim and any payout that you have received.

CAN I CLAIM COMPENSATION EVEN IF MY LOAN IS ALREADY PAID OFF?

Yes. If you have had previous loans that you wish to claim on please call us for an application form - FREEPHONE 0800 051 54 51.

WHERE WOULD I FIND MY PAYMENT PROTECTION INSURANCE POLICY NUMBER?

You’ll find your policy number on any agreement documents or any account statements from your loan/credit card supplier. For credit card PPI claims you just need to provide us with your credit card number.

I DON'T HAVE THE PAPERWORK FOR MY LOAN/CREDIT CARD ANYMORE SO CAN'T PROVIDE A POLICY NUMBER. CAN I STILL MAKE A CLAIM?

Yes you can. Once you have completed our Claim Pack, we can look at your agreements as far back as the 1980s to try and locate any potential PPI policies. Please contact us on 0800 051 54 51 and we’ll tell you what to do next.

MY LOAN IS OVER 10 YEARS OLD, CAN YOU HELP ME?

Yes we can. All we need is the name of your lender to start the claim.

WHAT ELSE DO I NEED TO KNOW?

It is your right, and we strongly advise you, to seek further advice and shop around before entering into a contract with Brunel Franklin. Once you’ve returned our documentation you will be bound by our Terms Of Engagement.

CAN I OPT OUT OF MARKETING LATER?

You can opt out at any time by calling us on 0800 051 54 51, emailing us at info@brunelfranklin.com, or writing to us at: Brunel Franklin, 4th Floor, The Bloc, Ashley Road, Altrincham, Cheshire. WA14 2DW.