In Debt Solutions

Posts Tagged ‘Store Cards’

Payment Protection Insurance (PPI) is offered with nearly every type of credit and if it was mis-sold to you we may be able to claim back every premium previously paid, which could be thousands of pounds. There are many reasons why you may have a valid claim, when obtaining credit were you:

Self-Employed, Retired, Student or Housewife?
Told you had to take out the PPI to get the credit?
Pressured into taking PPI?
Told that you could buy PPI from an independent provider (which can be 80% cheaper)?

If you answer yes to any of the above you may have been mis-sold and may be therefore entitled to a full refund.

Consolidation loan
Loan for a car
Mortgage
Personal Loan
Store Cards

No Win. No Fee.

Following a complaint by the Citizens Advice Bureau which highlighted serious failures in the PPI market, The Financial Services Authority conducted an investigation into how PPI is sold. They concluded that tens of thousands of people could have received bad advice. Many people didn’t even know that they had PPI.

If you think your PPI may have been mis-sold, In Debt Solutions can help. We will advise if your claim is likely to be successful and then manage the whole process for you. We’ll update you every step of the way and, if necessary, we’ll refer you to our panel of Solicitors to ensure justice is delivered.

Not sure if you were mis-sold? Please call us now for a free consultation and free advice. Alternatively leave your details here.

If you’re not sure whether you have been the victim of mis-selling then please give us a call on 01733 306509. Our team of experienced Claims Advisors are on hand to answer any questions you might have and will be happy to help in anyway they can.

Our charge of 25% on the reclaimed amount means that there are no costs to you unless we get you your money back.

Frequently Asked Questions.

Q. How long is a claim expected to take?
A. Approximately 12 months. Some may be sooner and more complex cases may take slightly longer.

Q. Who does the client contact if they have a query?
A. Their Claims Consultant.

Q. What do we do if the loan is in joint names?
A. Make sure you both sign Account Holder 1 & Account Holder 2 on the forms.

Q. Can a client submit one claim now and then another later?
A. Yes.

Q. Which lenders have breached the Consumer Credit Act?
A. No particular lenders, all Credit Agreements from any lender can be investigated.

Q. What if the lender keeps contacting me?
A. Forward all written correspondence to The Claims Warehouse.

Q. What sort of credit cards/loans can you claim on?
A. Any credit card/loan with an outstanding balance of £1000+ (Credit Cards, Store Cards, Personal Loans, Secured Loans, Home Improvement Loans, Car Finance, Loans to pay-off other loans)

Q. Are there specific lenders that you have a better chance with?
A. No it would appear that all credit agreements may need investigating.

Q. Are there any back-end charges?
A. No, we do not charge back-end fees on UCA claims. When we win your case we claim our costs from the other side.

Q. What if I’ve lost or can’t find my original documents?
A. Don’t worry we request original copies from your lender or credit card company. They have a duty to release them to us, with your authority of course.

Q. Can I pay using the same credit card that I’m about to make a claim with?
A. No, this is not possible.

Q. What if the lender contacts me after I put a claim in?
A. Our solicitors will deal with the lender from the beginning of the dispute until its conclusion.

Q. Can I accept an offer?
A. Do not accept any offers made as you could be liable for costs and the offer will likely be a lot less than your claim.

Q. Are you a regulated Claims Management Company?
A. The Claims Warehouse Limited is regulated by the Ministry of Justice in respect of regulated claims management activities. Its registration is recorded on the website www.claimsregulation.gov.uk. Registration number CRM15365.

Q. I owe more than £25000 is there still a claim?
A. There is no upper limit. We can investigate to determine whether you have an unfair relationship and a claim for potentially thousands in compensation.