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PPI Cheque

Too many times consumers in the UK are mis-sold payment protection insurance and never realize it until they have paid thousands of pounds on a policy that may provide them absolutely no cover. In a case like this it may not always be mis-sold payment protection insurance but if it is that consumer is eligible to file a PPI claim in order to claim back PPI which will be paid in the form of a PPI cheque issued from the lender who sold the loan insurance in the first place. However, there is no way to get that PPI cheque unless you file a claim and are successful in proving that the lender knowingly missed sold payment protection insurance to you.

Filing a Claim against the Lender

When you file a claim against the lender the first thing you need to do is substantiate the reason why you feel the policy was mis-sold. There is ample information online which you can draw from in order to prove your claim. Some reasons which are common amongst UK consumers would include being misled into believing that this cover would kick in any time you lost wages due to unemployment or illness. In fact, this is one of the most common ways in which lenders mislead unsuspecting consumers. In reality, payment protection insurance cover is very few reasons for being out of work and one all the things that many people find it truly astounding is that PPI never covers back injuries which is one of the most common reasons why people miss work. As well, PPI doesn't cover any illness that results in loss of work if you also get sick pay for the time you are out of work. There are so many things that are excluded from PPI cover.

After You Have Won the Claim

Claiming back bank charges is what everyone is working toward when filing a complaint against the lender who mis-sold PPI cover. After such a long period of time paying for a cover that you perhaps didn't want or couldn't afford but felt coerced into purchasing, it will be so nice to get a PPI cheque in the post. Most consumers want to know exactly how much they will be getting and of course how long it will take to get there. It is always different case-by-case so there is no way of telling exactly when the your PPI cheque will arrive. However, once a decision is reached and you have won your claim it's usually within a matter of a few weeks.

When filing through the services of Belmont Thornton is not uncommon for consumers to receive a cheque within 8 to 10 weeks of filing the original claim. Even so there is no guarantee how long it will take to get your PPI cheque but one thing is for certain and that is the claims team will do everything in their power to bring your claim to a speedy resolution.


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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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