Consumer Claims

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What is PPI?

Payment Protection Insurance (PPI) is an insurance that was sold to people who have taken out loans, credit cards, car finance or similar. Originally designed to cover your monthly payments in case you have an accident, fall sick or become unemployed, PPI has been widely mis-sold by most financial providers.

  • It is estimated that 80% of the 35 million Payment Protect Insurance policies in the UK have been incorrectly sold.
  • 4 out of 5 people would never be allowed to use the policy for what they are protecting themselves against.
  • These policies were often overpriced and included clauses that meant customers were unable or even excluded from claiming on the insurance.
  • Finance companies adopted a very aggressive approach towards the sale of PPI.
  • In some cases PPI was placed on customers' accounts without their prior authorisation or knowledge.
  • 20 million people are owed money. Are you one of them?

Can I Claim?

Payment Protection Insurance (PPI) policies have been so widely mis-sold that many of our customers tell us that they were unaware of ever having PPI attached to their loan.

If you answer yes to any of the following you may be eligible for a refund:

  • Do you feel you were not given sufficient information about the PPI policy?
  • Were you led to believe you had to take out PPI in order to get the loan?
  • Were you told that by taking out PPI your chances of being accepted for the loan would improve?
  • Were you taking out a loan for debt consolidation purposes?
  • Did you already have a similar insurance policy in place or were you given no notification that you could get PPI from other sources?

At the time of taking out the PPI were you:

  • Not given sufficient information about the PPI policy?
  • Unemployed?
  • Self employed?
  • On a fixed term contract of employment?
  • Working under 16 hours per week?
  • Working outside the UK?
  • Planning to retire before you would have fully paid off the loan?
  • Working in the Public Sector?

Why Choose Consumer Claims

  • We process all claims with no Upfront Fees and carry out all our work on a No Win No Fee basis*.
  • On average our customers claim back £2,346 from their banks.
  • We handle every aspect of your claim and keep you updated throughout.
  • We're on your side and help thousands of people each month win back life changing sums of money.

* See Our Fees page for a full explanation

Consumer Claims Terms of Engagement


"Agreement" means the Letter of Authority signed by the Client, together with these Terms of Engagement and supported by forms and documents issued by Consumer Claims. "Claim(s)" means the Client's claim or claims against the Company relating to the application of unlawful charges to the account(s) of the Client and/or to mis-sold financial products;

"Client" means the policyholder/account holder(s) whose details are set out in the "Letter of Authority" and who have appointed Consumer Claims to provide the Services;

"Company" means the financial institution and/or persons to whom the "Letter of Authority" is addressed;

"Letter of Authority" means the document included in the claim pack to be sent to the Company from the Client authorising Consumer Claims to pursue the Claim on behalf of the Client;

"Compensation" means any sums paid or awarded as calculated at the time of the award that would not have been paid if the Claim had not been made. See "Fee Examples" below for a full explanation;

"Fees" means the fee payable for Services carried out by Consumer Claims. Consumer Claim's fees are 30% of the Compensation awarded. Examples of these are shown below.

"Services" means the services provided by Consumer Claims including assessing the viability of, preparing, submitting and negotiating the Claim.

Conduct of Engagement: By signing and returning the Letter of Authority, the Client agrees to be bound by the terms thereof and appoints Consumer Claims to provide Services for such a period as to allow Consumer Claims to asses and, if reasonably possible, complete the claim.

The Client:
  1. by completing and signing the Letter of Authority gives Consumer Claims and its appointed third parties his/her/their consent and full authority to deal with the Company on your behalf and to obtain relevant information from whatever source on a continuing basis;
  2. will promptly inform Consumer Claims of any relevant matters affecting the Claim;
  3. give Consumer Claims the right to deal exclusively with the Claim(s) unless otherwise agreed in writing by Consumer Claims;
  4. will deal promptly with every reasonable request by Consumer Claims for authority, information and documents and further instructions that Consumer Claims may, from time to time, require. Failure to do so will give Consumer Claims the right to terminate this Agreement;
  5. where compensation is paid direct to the Client, Consumer Claims will invoice the Client for the Fees and the Client will pay Consumer Claims within 10 days of receipt.
  6. Any fees incurred in the pursuit of late payment will be passed onto the client in full.
Consumer Claims will:
  1. where possible complete an audit of all of the client's accounts and pursue a settlement against the Company where Consumer Claims' considers there to be a claim. It is at Consumer Claims' discretion to decide at any time during the claims procedure whether or not to proceed with the Claim. However, Consumer Claims will act reasonably in taking any such decision;
  2. rely on the information and documents provided by the Client to Consumer Claims as being true, accurate and complete. Consumer Claims will not audit, test or check such information or documents, except where it is under a legal obligation to do so;
  3. preserve confidentiality, including the Client's personal information (even when this Agreement has terminated and the Client is no longer a client), save as expressly or implicitly authorised to the contrary, including where disclosure is made at the Client's request or with the Client's consent in relation to pursuing the Claim, or where otherwise required by law;
  4. negotiate and settle the claim with the third party and promptly notify the Client of the outcome of the Claim.
  1. The Client must note that they have 14 days (which starts from the date they signed the "Letter of Authority") to cancel the authority instructing Consumer Claims to act on their behalf. After 14 days the Client can cancel the contract, at which point the Company will charge the Client reasonable fees to reflect the work undertaken on the Claim(s). Any Cancellation must be in writing;
  2. The Client is aware that the Client could complain directly to the Company at no cost, with the ability to take matters further with the Financial Ombudsman Service, yet still wishes to pursue their complaint via Consumer Claims;
  3. Consumer Claims makes no representation or warranty to the Client that compensation will be obtained or is in any way guaranteed;
  4. In the event that an offer is made to the Client by the Company, which is recommended for acceptance by Consumer Claims on the grounds that it's a reasonable offer of compensation but which is refused by the Client, then Consumer Claims shall be entitled to charge for its Services as detailed in Fees;
  5. In the event that an offer is made to the Client by the Company which is recommended for acceptance by Consumer Claims and the Client refuses or fails to give any instructions, then Consumer Claims shall be entitled to charge for its Services in accordance with the Fees;
  6. Where the Compensation is paid directly from the Company to a third party, the Client agrees to the third party deducting from the Compensation and paying to Consumer Claims the Fees before accounting to the Client for the balance.
  7. Consumer Claims is a trading style of Harrington Jones Limited. Harrington Jones Limited's claims management activities and services are regulated by the Ministry of Justice in respect of regulated claims management; Harrington Jones authorisation number is CRM27740;
  8. Consumer Claims can cancel this Agreement at any time and no fee will be payable by the Client if Consumer Claims considers there are no grounds for a complaint or that the Client's Claim is unlikely to succeed;
  9. Consumer Claims have the right to terminate this Agreement by giving written notice to the Client and, at any time, to immediately terminate this Agreement if there occurs any material breach by the Client of any term of this Agreement which is irremediable, or if remediable, is not remedied to Consumer Claims' satisfaction within 15 days of a written notice by Consumer Claims specifying the breach and requiring it to be remedied; or the Client is adjudicated bankrupt; or the Client does not follow any recommendations of Consumer Claims;
  10. Full details of Consumer Claims' internal complaints handling procedures are available on our website and sent to you upon request.

Exclusion of the Contracts (Rights of Third Parties) Act 1999: All rights arising under this Agreement are for the benefit of and enforceable only by the Client and Consumer Claims and do not confer any rights on any other party.

Consumer Claims will charge a fee of 30% of any Compensation awarded from the Company. Examples are shown below.
Example A: Example B: Example C:
All compensation is "cash in hand" Compensation includes "cash in hand" award with loan and future instalment reduction Compensation is used to offset arrears consumer has on Credit Card or Loan
Total Compensation: £3,000 Total Compensation: £3,000 Total Compensation: £3,000
Refund in cash is: £3,000 Refund in cash is: £1,000 Refund in cash is: £0
Loan reduction: £0 Loan reduction: £2,000 Set off arrears: £3,000
Fee charged @ 30% £900 Fee charged @ 30% £900 Fee charged @ 30% £900
Reduction in Loan: £0 Reduction in Loan: £2,000 Reduction in Loan: £3,000
Consumer Receives: £2,100 Consumer Receives: £100 Consumer Receives: £900

Law & Jurisdiction: The law applicable to this Agreement shall be English law and the parties consent to the jurisdiction of the English courts in all matters affecting this Agreement.

Start Your Claim Today

Loan PPI

Average Payout: £2,165

Payment Protection Insurance (PPI) was commonly sold alongside loans and other financial agreements generating billions for banks. There is a strong chance that Payment Protection Insurance was added to your policy without you knowing or mis-sold because it would never provide the cover you needed.

Credit/Store Card PPI

Average Payout: £1,320

Payment Protection Insurance (PPI) was commonly added to Credit Cards and Store Cards. Thousands of people have been mis-sold policies by all the big lenders totalling millions of pounds.Many Store Card policies were also sold by shop staff with little or no training who routinely added PPI to boost profits.

Mis-sold Mortage PPI

Average Payout: £2,090

Mortgage Payment Protection Insurance (PPI) was sold alongside thousands of mortgages. Although it was designed to cover repayments should you be unable to work, thousands of policies were mis-sold by mortgage advisors who focused on their own financial gain, not what their customers needed.

About Us

We work on behalf of consumers to recover money that they may be entitled to from financial institutions. We help the consumer to cut through the complexity of the process.

Consumer Claims make it simple for the consumer to claim what is rightfully theirs.

No Win No Fee*

We have absolutely No Upfront Fees and settle all claims on a No Win No Fee basis.

(* Fee payable if claim is not pursued at client's request. See Our Fees Page for a full explanation)

Find Out More

It is estimated that as much as 80% of PPI policies have been incorrectly sold. The banks have been fined and have put aside £15 BILLION to pay back customers who have been mis-sold PPI.

Are you one of the 35 million people affected?