PPI Refund Application

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Reclaim £3,500 by June*

Guardian are the UK’s leading Payment Protection Insurance reclaim specialists with a 94% success rate.

Everyday we sucessfully reclaim thousands of pounds from banks and lenders against mis-sold Payment Protection Insurance (PPI), Loan Insurance, Mortgage Protection, Credit Card Insurance and Accident and Sickness Insurance.

Making your PPI claim is as simple as 1, 2, 3...

Recently won cases:

> Mr H successfully claimed £18,000 from Firstplus
> Mr and Mrs D successfully claimed £3,012 from RBS

Why choose Guardian:

> We have a 94% PPI reclaim success rate
> If your Claim is unsuccessful, you pay nothing
> Original copy of your agreement is not required

Step 1.

Complete our Refund Application (above).

We’ll call you straight back then run through a few simple questions, just to make sure you’re claim is valid.

Step 2.

We post you out a Claims Pack.

All you need to do is to sign and return them where we’ve highlighted. Easy.

	Step 3.
	You'll receive regular updates from us on how your PPI Claim is progressing, ensuring the pressure is on the banks to pay up.


		MORTGAGES CAR LOANS PPI CLAIMS BLOG LINK PARTNERS SITEMAP	Alliance & Leicester Barclays Bank Black Horse Finance Capital One Clydesdale Bank	Egg Banking plc Firstplus Finance GE Capital Bank HBOS Bank HSBC Bank	Lloyds TSB Northern Rock RBS Bank Tesco Bank Yorkshire Bank


	Guardian PPI Claims are regulated by the Ministry of Justice in respect of regulated claims management activities Registration number CRM27182. Company registration number SC346006 * Most PPI Claims are settled in 8 weeks, however it could take a little longer as lenders are overwhelmed with claims.	Freephone 0800 652 7076

Read More about Payment Protection Insurance (PPI) Claims

Payment Protections Insurance Claims (PPI) Continue to Rise:

In the first half of 2011, Payment Protection Insurnace (PPI) complaints have made up for nearly 31% of NatWest complaints and 47% at RBS.

Just recently Barclays revealed it had received as many 73,000 Payment Protection Claims (PPI) and predicted this would only continue into their second half their financial year.

Lloyds TSB also commented that their Payment Protection Insurnace (PPI) complains had also increased to 202,384 in the first half of their financial year.

Make your Payment Protection Insurance Claim (PPI) with Guardian PPI Claims:

Not all complaints from customer guaranteed a bank offering compensation for missold Payment Protection Insurance (PPI), fortunately though Guardian PPI Claims - a Payment Protection Insurance (PPI) claim specialist, has achieved an unprecedented 94% PPI claim success rate in 2011.

However customers who's Payment Protection Claim were unsuccessful always have the right to complain to the Financial Ombudsman Service (FOS), which often finds in favor of PPI complainants.

Therefore the bill for bank' mis-selling of Payment Protection Insurance policies (PPI) is rising rapidly.

Huge bills:

All the big banks have admitted mis-selling Payment Protection Insurance (PPI) are facing massive bills , they include:

Lloyds TSB £3.2bn - Payment Protection Insurance (PPI)
Barclays £1bn - Payment Protection Insurance (PPI)
RBS group £850m - Payment Protection Insurance (PPI)
Santander £731m - Payment Protection Insurance (PPI)
HSBC £269bn - Payment Protection Insurance (PPI)

At the beginning of August 2011, the FOS revealed it was receiving over 900 new Payment Protection Insurance (PPI) claims every single day which was making up 65% of their workload.

What is Payment Protection Insurance (PPI)?

Payment protection insurance or is more frequently referred to as PPI, is an insurance product designed to cover any outstanding loans or payments such as mortgages, credit cards or home loans. PPI was generally sold as an add-on product to protect the consumer from circumstances such as unemployment and accidents, which may have prevented them from servicing the debt.

The Controversy surrounding PPI or Payment Protection Insurance

Firstly the statistics have shown that PPI has one of the highest number of rejected claims. This was largely due to the manner in which the products were sold to the customer. First of all the nature of the product was an add-on product. Many consumers were unaware that they had even purchased a Payment Protection Insurance (PPI).

This has why PPI has caused so much controversy with customers accusing the lenders that their policies were mis-sold to them? The FSA or Financial Services Authority, Citizens Advice Bureau and the Office of Fair Trading were just some of the organisations that raised concerns about the manner in which the policies were sold and encouraging consumers to make official complaints.

A detailed review of how Payment Protection Policies were sold unearthed quite surprising techniques employed by some unscrupulous lenders to trick or force customers into taking out payment protection insurance. Some of these included:

Selling insurance to candidates that did not qualify for the insurance, such anybody who was unemployed or retired. Therefore no reason to recover loss of earnings.
Terms and Conditions of PPI not fully disclosed to consumers such as exemptions and breakdowns.
Pressurised sales techniques
Misleading borrowers by implying that the loan would not be accepted without taking out PPI or that they stood a better chance if they did.
Once the loans were completed PPI was added without notifying the customer. Once again as the customer was unaware the PPI policy existed they were unable to make a PPI claim

Useful Links: PPI Claims Scotland, PPI Complaints, Payment Protection Insurance Claims, How to Claim PPI, PPI Claims Expert & PPI Claims