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Your lender may not keep your documentation if it's from more than 6 years ago. Waste no time - find out what you're owed...

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BBC's Watchdog: "Banks Still Denying Claims From Consumers"

Anne Robinson from BBC's Watchdog says, "Banks are denying customers compensation - and are turning down wholly legitimate claims by the thousands".

Fiona Phillips, also from Watchdog, commented "When judging PPI claims, they are not always right - in reality some banks appear strangely reluctant to part with their money despite all their promises to compensate". She continued, "Getting your money back can be remarkably difficult. The banks are failing spectacularly to put things right".

The Chief Ombudsman added that "Some banks even say that the customer never had PPI in the first place, but when we ask a few more questions we find that actually about a quarter of the customers did have PPI"

This Is Why You Should Use A Claim Company

The Financial Times Adviser has commented on why 100's of thousands of people use claim companies instead of going direct to the lender: "It all comes down to the fact that when customers had complaints they were often fobbed off or met with tactics designed to grind them into submission. Or they simply found the miss-selling claims procedure too complex to handle on their own."

Find Out If You Can Claim

Are you unsure if you are eligible to make a PPI claim? In most circumstances, your claims manager should be able to tell you if you are due a PPI refund.

How Much Are You Owed?

A claims management company can help you uncover how much you are owed as a refund, the interest you should receive and the compensation available from your PPI reclaim.


Make contact with Hidenda Claims Management now. Your claims manager (not a call centre) will get back to you as soon as possible.

Hidenda is a trading name of Harwood Claims Management Limited which is authorised and regulated by the Financial Conduct Authority (Firm reference number:830519). These details can be confirmed by visiting the Financial ServicesRegister, Harwood Claims Management Limited company registration 08006917. They can advise on your loan, mortgage and credit card PPI claims no matter which company they are held with.

Your enquiry is confidential with no obligation to proceed.

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Address and Postcode. We send you a no-obligation claims pack via post and email which will be sent at no cost. (We will not share your address)

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Find Out If You Can Claim

Was I Missold PPI?

As you will see below, there is a very good possibility that you've been wrongly sold PPI. Answer yes to JUST ONE of these simple questions and there is every chance you are due a refund.

30 Reasons Why You May Have Been Mis-Sold PPI...

  1. Did you not specifically ask the loan or credit card provider for PPI cover?

  2. Did your loan or credit card provider make you think you had to have PPI cover in order to have the product?

  3. Did they not tell you could get PPI independently for a fraction of the cost?

  4. Did they add the PPI onto your loan or credit card without fully explaining why?

  5. When you took out the loan or credit card did you work in the public sector, for instance in the police or fire brigade or as a nurse, doctor or teacher?

  6. Were you not told you could cancel your PPI policy without any penalty within the cooling-off period?

  7. Were you pressured into taking a PPI contract?

  8. Did the loan or credit card provider fail to check that the PPI policy would be affordable in light of your income and outgoings?

  9. When you took out the loan or credit card were you self employed, unemployed or on a fixed term contract?

  10. When you took out the insurance were you retired or over the age limit?

  11. Did they fail to ask if you were entitled to sick pay from your employer?

  12. Did the loan provider fail to explain whether they were selling on an advised or non-advised basis?

  13. If they stated they were non-advised, did they go on to give advice regarding the merits of the PPI policy?

  14. Did they not check if your circumstances were likely to change during the policy?

  15. Did the loan or credit card provider fail to provide the written documentation required under the FSA’s rules such as the statement of price, policy summary or statement of demands and needs?

  16. Did they not stress the importance of reading the documentation?

  17. Did they fail to explain orally the full cost of the PPI?

  18. Did they fail to explain orally the key features of the product, such as its optional nature and non-pro-rata refund terms?

  19. Did they fail to explain the PPI's exclusions and limitations?

  20. Did they not explain any of the PPI's exclusions in the written terms and conditions?

  21. Were you not told that a commission was to be paid to the broker or intermediary?

  22. Was the PPI cover paid for as a lump sum when you took out the loan or credit card? Single premium products were often inflexible especially if you repaid your loan early.

  23. Did they not explain that if your loan was redeemed early then the rebate on the PPI element would not be proportionate?

  24. Did the PPI cover not match the actual loan term?

  25. Did they not make you aware of the consequences of taking out a PPI policy that does not cover the full term of the loan that it is linked to?

  26. Did they fail to ask you about any existing PPI payment cover you had?

  27. When you took out the loan or credit card did you have existing ailments such as depression, back problems, etc.?

  28. If applicable, despite it being a joint loan application, were the benefits applied only to one applicant and you were led to believe that all parties were equally entitled to PPI cover?

  29. Did they fail to check how long you have been employed? Some PPI policies need you to have been employed for a certain period of time to be suitable.

  30. Did they fail to obtain information from you as to what existing means you already had in place protecting the loan or credit card, including benefits from employers, existing insurance cover or savings and investments?

PPI claims management companies can easily assess your case to let you know if you've been a victim of a wrongly sold PPI policy and will make a claim on your behalf.

Article: Were you wrongly sold PPI?

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