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Payment Protection Complaints

Since 2005, the number of complaints regarding payment protection insurance has risen enormously. The rise can partly be attributed to a Citizens Advice Bureau complaint made regarding the sale of the product. The complaint, logged in 2005, highlighted significant failures in the way the cover had sometimes been sold and drew the publics attention to the issue. The complaint was followed a year later by two separate investigations by the Office of Fair Trading and the Financial Services Authority.

Consumer Payment Protection Complaints

As a result of the Financial Service Authority investigation a number of high profile lenders were handed substantial fines. The fines drew a lot of media attention and raised public awareness leading to a dramatic rise in the number of payment protection insurance claims.

Types of mis-selling

As the volume of payment protection complaints increased patterns began to emerge in the types of mis-selling being reported by customers. Some common examples of the ways in which policies have been mis-sold are listed below.

- The customer was wrongly told the cover was compulsory.
- The customer was wrongly told taking the cover would improve their chances of being given credit.
- The customer was sold the cover even though they were unemployed, self-employed, retired or in full time education and, therefore, should not have been sold loss of employment cover.
- The customer was sold the cover even though their circumstances made them unsuitable, e.g, because they had a pre-existing medical condition or were aged over sixty-five.

If any of these circumstances apply to you, you may be entitled to make payment protection complaints and receive payment protection refunds. To get started, simply omplete the quick claim form or call our team on 0207 471 2000. We work on a No Win No Fee* basis and could resolve your claim in just eight weeks. Remember there is no limit to how many claims you can make and you can even make a claim if you have already paid off your loan or credit card.


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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.

Belmont Thornton Limited is registered with the Information Commissioners Office. Registration number Z1728023.

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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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