|PPI Check||PPI Claim||PBA Claim|
|This service aims to confirm if you had, or have, PPI with your lender for all products that you advise us of.||Where there is a reasonable belief that PPI is or may have been present, this service may be offered.||Where there is a reasonable belief that your Packaged Bank Account (PBA) is or may have been mis-sold, this service may be offered.|
|If the status is No PPI, you will be advised and we close the matter at no charge.||It aims to determine whether PPI was mis-sold, on any and all products taken with your lender by presenting a formal complaint to be investigated. We may also submit a complaint to the lender for undisclosed commissions.||It aims to determine whether your Packaged Bank Account (PBA) was mis-sold by presenting a formal complaint to be investigated|
|Where PPI is, or may have been, present, we may initiate our PPI claim service. The terms of the PPI claim service will apply.||We will liaise with you to gather appropriate information relating to your matter(s). If there is No PPI, you will be advised and we will close the matter at no charge||We will liaise with you to gather appropriate information relating to your matter(s) before presenting a case.|
|Your Input: We need you to tell us if you have a change of details such as name, address or other contact details. Let us know if the lender contacts you directly. To avoid delay, please return to us with any information that we need from you as soon as possible. Provide us with as much information & documentation as you have about your policy to allow us to process a claim. If you receive a rejection, offer or payment directly from your lender, please inform us as soon as possible so that we can advise appropriately.|
|Your Cancellation Rights: The PPI/PBA Claim can be cancelled within 14 days of agreeing to it at no charge. If you cancel the PPI/PBA Claim after 14 days of the agreement, such cancellations may be charged at £50 per hour for works completed unless an offer has been made, in which case our usual fees apply. You can request a cancellation by phone on 0161 696 1501, email at firstname.lastname@example.org. or write to us at Claiming Made Simple, Springfield House, Water Lane, Wilmslow, SK9 5AP.|
|Timescales: may vary from time to time, on a case by case basis and are dependent on a number of factors, for example; lender backlogs or further information requests.
PPI check: On average we receive a response to the PPI Check within 8 weeks of submission to the lender.
PPI/PBA claim: A decision on a PPI Claim takes on average 8-16 weeks from the date of the lender’s acknowledgement.
Where the Financial Ombudsman Service (FOS) or the Financial Services Compensation Scheme (FSCS) is used, timeframes may vary considerably.
|Claims Service Fees: are 20% + vat (24%) for PPI and 39% + vat (46.8%) for PBA, charged on the total redress offered by the lender of any successful enquiry or claim. Lenders may offset refunds against outstanding balances. If the refund goes towards your outstanding debt our fees still apply. If the PPI/PBA Claim is unsuccessful, you will not be charged. You must settle our fees within 7 days of receiving funds. Interest on refunds may be subject to income tax which varies depending on circumstances. Fee examples are for illustrative purposes only. Our fees for PPI claims are subject to Regulatory Change and will be charged at the prevailing maximum rate; however, we will never charge you in excess of 20% + VAT where your contract has been entered into after 10th July 2018. Contracts entered into on, or prior to, 10th July 2018 are chargeable at the rate outlined in such contracts.|
Other Methods & Services – You can also approach the Financial Ombudsman Service (FOS) or Financial Services Compensation Scheme (FSCS) for free if you wish them to review your case, if you have approached your lender first, and if it falls within their remit. Where Claiming Made Simple refers your case to FOS/FSCS, we will not charge any extra for such service.
|FEES BASED UPON 39%|