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Abbey National Payment Protection

It has been difficult to avoid the media attention surrounding the mis-sale of payment protection cover. Over the past five years the issue has repeatedly made headlines as the scale of the mis-selling has been revealed. The problem of mis-selling was first exposed by a Citizens Advice Bureau super complaint in 2005. The complaint was followed by investigations by The Office of Fair Trading and The Financial Services Authority (FSA) and, as a consequence, several major lenders were fined. Since this time the number of complaints regarding the cover has increased year on year. In 2010, to try and prevent a repeat of the incident, the FSA announced a new set of guidelines regarding the sale of PPI. The British Banking Association were unhappy with the decision and requested a judicial review.

If you have an Abbey National payment protection policy which you believe may have been mis-sold you may be unsure whether to turn. In 2010 the familiar Abbey brand disappeared and was replaced by the Santander logo. The change followed the Spanish bank’s buy out of Abbey back in 2004. The good news is, if you have an Abbey National payment protection policy and you wish to make a complaint, Santander will continue to process all complaints on Abbey’s behalf.

Santander has reportedly already paid out £200 million in compensation for mis-selling. The lender has also took an unusual approach to the issue of the pending judicial review, and was one of the few major lenders who opted to continue to examine new PPI cases during the judicial review. Whie most other lenders placed cases on hold, Santander continued to process Abbey National payment protection complaints and complaints regarding its other subsidiaries.

If you think you have been mis-sold a payment protection policy by Abbey National contact our claims team today by calling 0207 471 2000. Our team will be happy to answer any questions you have regarding the claims process and whether you may be entitled to compensation.

If you are unsure whether your policy was mis-sold you need to consider what happened at the point of sale. Were you told something that later proved to be incorrect or did you feel under pressure to take out the cover?

We also help customers with claiming back bank charges. If you have paid credit card charges that you believe were unfair you may be able to reclaim them. An investigation by The Office of Fair Trading (OFT) in 2006, found that charges applied for late payments and over the limit fees were often unfair. It was discovered some lenders were charging up to £35 on each occasion a customer accidentally exceeded a limit or made a late payment. The OFT found that any charge of over £12 could be deemed unfair. This figure takes into account the cost of administrating accounts, staffing and postage that may be incurred as a result of a customer exceeding their limit or making a late payment. This decision means you may be able to reclaim charges of more than £12. To find out more call 0207 471 2000.


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Belmont Thornton Limited is regulated by the Claims Management Regulator in respect of regulated claims management activities; our registration is recorded on the website www.gov.uk/moj/cmr number 18273

Belmont Thornton Limited is incorporated in England and Wales, Company number 6621233, whose head office at Unit B16, Kestrel Court, Harbour Road, Portishead, Bristol, BS20 7AN and registered office at Harwood House, 43 Harwood Road, London, SW6 4QP.

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* Belmont Thornton operates on a "No Win No Fee" basis. This means that there are no upfront costs to pay. Our fee only becomes payable on a successful outcome of a claim. A cancellation fee is payable if you decide that having instructed Belmont Thornton to act on your behalf, and after 14 days of signing your Letter of Authority, you do not wish to continue pursuing your claim with us. The cancellation fee is the reasonable costs incurred for the work undertaken. Please see our terms of engagement.

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