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 many of the Payment Protect Insurance policies in the UK have been incorrectly sold.
  • Many 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.
  • In some cases PPI was placed on customers' accounts without their prior authorisation or knowledge.

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*.
  • We handle every aspect of your claim and keep you updated throughout.

* See Our Fees page for a full explanation

Consumer Claims 'Terms of Engagement'

Consumer Claims is a trading style of Harrington Jones Limited, Company Number 53781

“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 39% of the Compensation awarded. Examples of these are shown in the table 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 assess and, if reasonably possible, complete the claim.

The Client:
  1. By completing and signing the Letter of Authority gives Consumer Claims full authority to deal with the Company on your behalf and to obtain relevant information from whatever source for the duration of the contract.
  2. Will inform Consumer Claims of any relevant matters affecting the Claim within 30 days;
  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 within 30 days of a request will give Consumer Claims the right to terminate this Agreement;
  5. Consumer Claims will invoice the Client for the Fees and the Client will pay Consumer Claims within 14 days of receipt of compensation. Any fees incurred in the pursuit of late payment as a result of having been passed to a third-party debt collector will be charged to the client in full. This late payment fee is capped at a maximum of £250.
  6. Provide Consumer Claims with information that is true, comprehensive and accurate to the best of your knowledge.
  7. Will provide all documents, including in electronic form, in your possession that are relevant to the claim and which give evidence of a fact in the claim.
  8. Agrees for Consumer Claims to pursue all possible claims against the Company under the provision of this agreement unless the client specifically states otherwise. During the course of the investigation Consumer Claims may identify other potential claims. Before Consumer Claims act on these other potential Claims they will contact the Client to obtain consent to process these other potential Claims under the terms of this Agreement.
  9. Contact Consumer Claims within 10 days of receiving payment from the Company in relation to a claim.
  10. Is responsible for paying any income tax owed on their settlement.
  11. Confirms that they are not currently in arrears or using a debt management company to pay off debts or have been previously made bankrupt or in an Individual Voluntary Arrangement (IVA).
Consumer Claims will:
  1. Where possible complete an audit using a Data Subject Access Request of all of the client's accounts and pursue a settlement against the Company where Consumer Claims’ considers there to be a claim. The Client will not be charged for the cost of the audit. Where Consumer Claims' deems a claim has no realistic chance of success we reserve the right not to proceed with the Claim. However, Consumer Claims will act objectively based on the evidence received when taking any such decision.
  2. Carry out necessary checks on the information and documents provided by the client pertinent to a claim.
  3. Preserve confidentiality, including the Client's personal information (even when this Agreement has been terminated and the Client is no longer a client), 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. Cover costs relating to obtaining information from the Company.
  5. Notify the Client of the outcome of the Claim as soon as is practicable.
  1. This Agreement will endure until cancelled by way of a cancellation notice or by a clear statement (by either party) or the claim(s) reach a conclusion.
  2. 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 at no cost to the Client. The cancellation date is the date on which we first receive notice of the cancellation. 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 made by way of a cancellation notice or clear statement.
  3. Consumer Claims may transfer their rights and obligations under this Agreement to another organisation. The Client will always be notified in writing if this occurs and it will not affect their rights or our obligations under this Agreement.
  4. The Client may request Consumer Claims to begin work within the 14-day cancellation period.
  5. Consumer Claims makes no representation or warranty to the Client that compensation will be obtained or is in any way guaranteed;
  6. 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 in accordance with the Financial Ombudsman Service and Financial Conduct Authority guidelines but which is refused by the Client, then we shall be entitled to charge for Services as detailed in Fees. In addition, where a client cancels the contract post a reasonable offer being made by a Company, Consumer Claims is entitled to charge our full fee for our services.
  7. Consumer Claims is a trading style of Harrington Jones Limited Company Number 53781. Harrington Jones Limited is regulated by the Claims Management Regulator in respect of regulated claims management activities, 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 30 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. If this agreement is cancelled when an offer of Compensations has been made by the Company, Consumer Claims will enforce payment of Fees in full.
  11. If you were introduced to us by one of our partners we will have paid a third-party fee for providing services to you. This is not payable by you. Further details of any fee paid by Consumer Claims in respect of your case are available upon request.
  12. Full details of Consumer Claims' internal complaints handling procedures are available on our website and sent to you upon request.
  13. Consumer Claims will not use the Letter of Authority post cancellation or on conclusion of the contract.
  14. The Client is aware that they could complain directly to the Company and the Financial Ombudsman Service at no cost and that an interim fee cap on PPI claims is being implemented at 20%, yet still wishes to pursue their complaint via Consumer Claims.

Law & Jurisdiction: This Agreement will be subject to the laws of England and Wales.

Consumer Claims will charge a fee of 39% of any Compensation awarded from the Company. Examples are shown below. You will not be charged for any DSAR fee incurred in respect of your claim.
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 the Client has on finance account
Total compensation including interest: £3,000 Total compensation including interest: £3,000 Total compensation including interest: £3,000
Basic rate income tax reduction on interest: £75 Basic rate income tax reduction on interest: £75 Basic rate income tax reduction on interest: £75
Refund in cash is: £2,925 Refund in cash is: £1,925 Refund in cash is: £0
Reduction in Loan or overdraft: £0 Reduction in Loan or overdraft: £1,000 Reduction in Loan or overdraft: £2,925
Fee charged to Client on gross compensation 39% £1,170 Fee charged to Client on gross compensation 39% £1,170 Fee charged to Client on gross compensation 39% £1,170
The Client Pays Consumer Claims: £1,170 The Client Pays Consumer Claims: £1,170 The Client Pays Consumer Claims: £1,170

Start Your Claim Today

Loan PPI

Payment Protection Insurance (PPI) was commonly sold alongside loans and other financial agreements generating billions for banks. There is a 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 Card PPI

Payment Protection Insurance (PPI) was commonly added to Credit Cards. Thousands of people have been mis-sold policies by all the big lenders totalling millions of pounds.

Mis-sold Mortage PPI

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.

About Us

We work on behalf of consumers to recover money that they may be entitled to from financial institutions.

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

Many banks have been fined and between them they have set aside several billion pounds to refund customers who were mis-sold PPI.