Unfair Credit Agreements

Intro Why Claim? How It Works What's My Claim Worth? FAQs

How does it all work?

You contact us and provide details of your debts to our dedicated claims team who will aim to identify which agreements are eligible for a claim. For those agreements which qualify you will be sent a Legal Pack which you need to sign and send back to us.

Based on the information you provide us a Letter of Claim will be prepared and sent for each agreement you wish to claim against.

The Letters of Claim which we prepare are very specific and thorough referencing and legal terminology is used throughout.

We serve time limits on lenders when sending a letter of claim and so we expect all claims to progress reasonably quickly.

I took out numerous top up loans after getting the first loan, do I have more than one claim?

Yes! Each time you took out a new loan with PPI it created a new claim!

Do I need copies of the agreements?

It does not matter if you have lost or mis–placed documents as we will request original copies from your lender or card provider.

Ideally we need the loan agreement number to prevent delays and allow lenders to identify exactly which account we are claiming against.

If you have copies of originals it can sometimes speed up the process as it gives us a lot of information in the outset, most importantly to help calculate what you're owed!

How long does it take?

On average we complete most PPI claims in 12 weeks. Some cases progress much quicker and some we have completed in as quickly as two weeks!

However, we advise all clients that in extreme circumstances the process can take anywhere between 6 and 9 months.

What is the average claim value?

Our average claim value is around £2500. Some are more, some are less but on average the total claim value amounts to £2500 once interest and any other charges have been considered.

How much does it cost?

We process all PPI claims on a No Win–No Fee* basis with a Success Fee of 20% inclusive of VAT upon completion.

Unsuccessful claims are not subject to any payment.

Are there any repercussions or will I fall out with my lender?

It is unlikely that relationships will fall down with your lender. If your claim is successful then it has been proven that you were mis–sold your PPI which was malpractice by them. For them to close your account following a successful claim would be unjustified.

Submitting a claim for mis–sold PPI will not affect your credit rating and you should maintain all payments to prevent any negative effect on your claim.

Can I keep using my credit card?

Yes. Using your credit card throughout a PPI claim will not have any effect. When the claim completes the lender is likely to issue a refund for PPI paid to date and remove it form your ongoing payments.

Will my remaining balance be written off?

In some cases the PPI claim could lead to your remaining balance been written off. However, it is more likely that negotiations by our claims team will lead to a reduced balance and therefore reduced ongoing payments.

BulletpointsAverage claim value £2500

BulletpointsNo Win – No Fee*

BulletpointsNo Upfront Fee's

BulletpointsOn average our PPI claims take 12 weeks

BulletpointsCompetitive 20% inclusive of VAT Success Fee

BulletpointsProven track record* for all PPI claims


How much money could you be entitled to?
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Congratulations! You're one step closer to receiving your compensation for mis–sold Payment Protection Insurance.


If all details look OK you will receive a Claim Pack through the post, usually within 48 hours. If there are any issues we need to discuss one of our advisors will call you.


Either way you need to return your Pack as quickly as possible to prevent any delays with your claim!