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Payment Protection Insurance, often abbreviated to PPI, is a product supposedly designed to protect consumers in the event that they are unable to keep up with their credit repayments. However, due to the lucrative mis-selling of PPI by the banks you could be entitled to many thousands of pounds in financial redress. The scandal ran into £££Billions, so let us see if you are entitled to a share of the millions Still left to claim!
By now you have probably become aware of the PPI mis-selling scandal that affected many of the UK’s financial institutions over the last fifteen years – with around twenty million people being sold one of these policies as an addition to their mortgage, loan, Hire Purchase – even their credit card. If you believe you were mis-sold PPI, reclaim it through JPS Financial today and receive the compensation you deserve. JPS Financial is a successful UK based claims company handling no-win, no-fee* PPI claims, and our Manchester office is dedicated to pursuing the banks and other lenders that have been found responsible of unfair practices. You do not need to use the Services of a claims management company in order to make a claim, you can present your claim to your bank for free and if rejected, to the Financial Ombudsman Service.
We may still be able to help.
If you have previously investigated your PPI claim and the creditor turned you away, we could still help. A recent legal case, known as Plevin v Paragon has enabled many cases to be re-visited. This was down to the high level of commission paid to the bank for selling PPI to you. In many cases this was more the 50% of the entire cost of PPI. As a result cases previously rejected by the creditors need to be reviewed, to make sure you do not miss a potential refund. Fill in our contact form or call us and we can get the process started for you.
After speaking to you we will send you our “Claims and Information pack”. All you need to do is sign, date and return the relevant forms to us in the FREEPOST envelope provided.
Once we receive your forms back we will initiate our professional claims process to obtain any redress owed to you, as quickly as possible.
With JPS Financial handling your claim you’ll pay no upfront costs and we operate on a strictly no-win, no-fee* policy, to obtain your refund, plus your 8% compensatory interest on top. If you were mis-sold payment protection insurance on any loan or credit agreement – even if you have already finished paying off the initial credit amount – you could receive thousands of pounds in compensation. If you’re not sure whether you would qualify to reclaim your PPI, contact us today and we’ll be happy to discuss your individual case with you, there’s nothing to pay upfront and we charge a simple fixed percentage of 24% of your gross redress, only after you have received your compensation.
If you have ever had a loan, credit card, mortgages or Hire Purchase, you may have been mis-sold PPI. Claim it back now!
If you have previously investigated PPI and your claim was unsuccessful, we may be able to re-investigate this for you due to recent developments. Creditors would often receive high levels of commission from the sales of PPI and this may mean a refund is due to you.
Refer someone to us and earn yourself £50. Don’t let your friends and family miss out on reclaiming their money.
If you have paid a monthly fee or subscription for a bank account, which may have included several insurance products and breakdown cover, this could have been mis-sold to you. you could be entitled to a refund and compensation.
Whether PPI was mis-sold to you depends entirely on the events that took place when you obtained the credit to which the PPI was associated. Examples of where PPI may have been mis-sold include:
The above is not an exhaustive list; there are numerous ways in which PPI has been mis-sold to consumers. If in doubt, simply contact us, and we can evaluate whether you have grounds to claim back mis-sold PPI.
Any one of the above examples is enough to bring a successful claim for mis-selling. In practice, such has been the prevalence of mis-selling across the credit industry, our experience shows that often a combination of the above mal-practices have occurred in the single selling of individual PPI policies. It is time to get back the money that is rightfully yours.
Yes. Just because a PPI policy has been successfully activated, does not mean that it wasn’t mis-sold to you in the first place. However, the arguments which need to be raised here can be complex – but JPS Financial can still act on your behalf to obtain you a refund of monies paid towards the PPI policy.
Even if you have paid off the credit to which the PPI relates, JPS Financial can still act on your behalf to obtain for you a refund of monies paid towards the PPI policy.
When you instruct JPS Financial all we need is a few details from you and the name of the lenders you have held accounts with. After this we will complete all the checks for you, to establish if you have a possible claim. It really is that simple, with minimal effort required from you.
We will look to obtain a refund for you of all charges unfairly levied by your creditor, plus interest. Your claim could be worth many thousands of pounds. Call us to find out.
How compensation for mis-selling of PPI will be paid to you depends on the status of the loan/credit card account to which the PPI is connected. If there are no arrears on the loan/credit card account, you ought to receive a direct payment (most often by way of cheque) of the financial redress offered to you. If there are arrears on your loan/credit card account, some or all of your financial redress may be applied to reduce the arrears, with any remainder then paid to you. Please contact us for more information.
Yes, you can cancel your agreement with us at any time. However, after the initial 14 days of you signing your agreement with us, should you then wish to cancel with us we reserve the right to charge you a reasonable amount to cover our reasonable administration costs to date. There is absolutely no charge to cancel within the first 14 days of you signing your contract, regardless of the work we have done.
Yes, all Banks (including the Financial Ombudsman Service) offer a ‘free service’ for your complaint. But with millions recovered by JPS Financial Ltd already, your complaint will be in safe hands with us. However, if you wish for some guidance on using a company to claim back your mis-sold Payment Protection Insurance (PPI) or obtaining your monies free of charge, then please refer to the Claims Management Regulation Consumer Factsheet.
No claim is guaranteed to be successful. You should receive a response from the creditor within 8 weeks of us bringing a claim on your behalf. If the response is not satisfactory, your claim may need to be escalated to the Financial Ombudsman Service (FOS) which could take up to 2 years for a final decision. However the FOS suggest that they manage to deal with 25% of cases inside of 6 months.
Our success fee is 20% + VAT of the financial redress that we obtain for you from your creditors.
JPS Financial only charge a success fee once a creditor has proposed a reasonable offer of financial redress. Upon our receipt of confirmation that a refund has been applied to your account and/or monies sent to you, we will then send you an invoice for our success fee, which will be payable within 7 days of the date of the invoice (for example, if an invoice is dated the 5th of the month, our fee is payable by 5pm on the 19th of the month,or if the 19th is a non-business day, the fee is payable by 5pm on the first business day following the 19th).
We accept payment by cheque (made payable to ‘JPS Financial Ltd’), postal order, card payment, bank & internet transfer.
If you have any queries, at any time, please do not hesitate to contact us, as we are here to assist you in obtaining redress for what is rightfully yours.
You should receive a response from the creditor within 8 weeks of us bringing a claim on your behalf. If the response is not satisfactory, your claim may need to be escalated to the Financial Ombudsman Service (FOS) which could take up to 2 years for a final decision. However the FOS suggest that they manage to deal with 25% of cases inside of 6 months.
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One of our team will answer any questions you have and start the PPI reclaim process for you.
JPS Financial Ltd Copyright ©2012-2019 All rights reserved. A limited liability company registered in England and Wales: 07872227. Registered Office: 8 Trumpet St, Manchester, M1 5LW. Data Protection Licence: Z2971078. Regulated by Claims Management Regulator in respect of Regulated Claims Management Activities; it’s registration is recorded on the website www.gov.uk/moj/cmr (CRM: 28996). The case studies are real but the names and pictures have been changed to protect the customers identity.
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