Payment Protection Insurance

PPI is overpriced, difficult to claim on and often sold to the wrong people.

Citizens Advice Bureau has found:

• It adds between 13% - 56% to the cost of the loan
• Only 6% ever claim on PPI – 85% of claims are then rejected
• Sales staff have failed to explain the costs, added the price of PPI automatically to repayment quotes and failed to check customers would be eligible to claim.

It’s estimated that there are 20 million PPI policies in the UK, so if you have a loan, mortgage, or a credit card you could have PPI.

Recently compensation was awarded to Mrs. H in London for £14,520.

Bank Charges
Excessive Bank Charges, there is currently a court case between the office of fair trading and the high street banks this has put bank charge cases on hold. However, we feel it’s defiantly worth getting your complaint at the front of the queue.

Remember claims on credit card and business accounts are still going through.

Do you think the banks make profit from bank charges? Well last year the combined banks made somewhere in the region of £5 billion from Bank Charges!

Our average claim is over £2000!

Credit Card Charges

In a ruling on credit cards, the Office of Fair Trading said charges should not exceed a 'fair' level of £12. The consumer watchdog claimed consumers are being ripped off to the tune of £300m a year by unlawful penalties on credit card charges. The charge of £12 is less than half the fee most card issuers currently impose on customers. Default charges are levied by card providers if customers are late with minimum repayments, exceed their credit limit or make repayments by cheque or direct debits which are not honored.

Our average claim is over £1000!

These claims are not affected by the current court case

Business Account Bank Charges

Good news we are successfully reclaiming business penalty charges, average claim size over £3000 if you have incurred penalty charges in the last six years i.e, for going over drawn.

Personal Injury Claims

If you have had an accident within the last 3 years that was no fault of your own, sought medical attention & not made a claim already we could help you seek the compensation you deserve.

• Nothing to pay
• No deductions from your compensation
• Access to UK's leading personal injury solicitors
• Excellent claim success rate
• Friendly, supportive and genuine staff

If you wish to pursue a claim for personal injury compensation the law allows you three years in which to issue court proceedings. Any later than this and you may lose your right to claim compensation

With Profit Bonds

With regards to our Bonds service we offer a NO WIN NO FEE service.

To make a complaint for mis-selling you must have been badly advised on various aspect of the sale of your
investment. If your investment bond has under performed it doesn't mean you have been mis-advised or mis-sold.

You may have a case for complaint and be entitled to compensation if;

• The financial representative did not explain that you may incur penalties for withdrawing income/capital
• The financial representative who sold you the bond did not establish and ensure that their investment portfolio was appropriately 'diversified'
• You had no past experience of equity related financial investment products and therefore was advised to take too large a position in the bond.
• Your attitude to risk was not established at the point of sale.
• Your need to retain sufficient liquid capital was not discussed with him at the time of sale.
• The financial representative did not make you aware that the income was not guaranteed.
• The financial representative did not make you aware that the capital was not secure.
• The financial representative did not warn you that there may be a risk that they may not be able to draw any income from the investment.
• The risks regarding the capital invested were not discussed.
• The financial representative did not explain the financial implications of market value adjusters (MVA) should you wish to liquidate the investment prior to the specified maturity.
• The financial representative did not establish that you clearly knew the risks associated with the investment which is governed by the performance of the stock market.
• At the time of the sale you had outstanding debts and was not advised to use their capital to pay off their debts first i.e. Loans etc
• You are an inexperienced investor at the time this bond was sold and did not have sufficient knowledge of the investment product.

Recent claim is over £12,000

Pension Mortgages

Pension mortgage’s, have you been mis-sold?

THERE ARE BIG CONCERNS THAT MANY INVESTORS MAY HAVE NO IDEA OR WARNING THAT
THEIR PENSION IS NOT ON TRACK TO PAY OFF THEIR MORTGAGE.

Are you depending on your personal pension for providing a lump sum large enough to pay off your mortgage? If so, there is now a high percentage that you will not be able to pay off your mortgage in this way, or have a substantial pension. If that not concerning enough, it is also highly probable that you were mis-sold the policy.

Recently, we claimed £26,500 for Mr. Harrison of London for a mis-sold pension mortgage.