STORE CARD PPI

Millions of people unknowingly had PPI added their store card. Find out If you you're one of them, don’t delay start your Free PPI check today!. We can check if you had PPI with most high street stores & retailers.

FREE PPI CHECK* IN 3 EASY STEPS

Step 1

Fill in our Online Form

We will call you and discuss your check in more detail.
Step 2

Sign our pre-filled forms

We will send you the PPI check Form(s) of Authority for you to read, sign and return in the freepost envelope.

Step 3

We will check if you had PPI

We will contact the bank or lender on your behalf and do everything we can to establish if PPI was present on any of your products.

What is PPI?

Payment protection insurance (PPI) was usually sold to consumers with financial products like loans, credit cards, mortgages, store cards or catalogue accounts. PPI was a product was designed to cover finance repayments in certain circumstances where the borrower could not meet repayments if he couldn’t work due to an accident, illness, disability, death or redundancy. According to the Financial Conduct Authority (FCA) approximately 64 million PPI policies were sold by high street banks and other finance providers to UK consumers mostly between 1990 and 2010, however, some go back as far back as the 1970s.

How to check if you had PPI?

If you’ve had a loan or credit product but aren’t sure whether you had PPI policy with them, you can ask your provider or choose to pay a claims management company to do so on your behalf. All you need to get started is your name, date of birth and previous addresses. If you do decide to use a claims management company (CMC) you should check if the company is authorised and listed on the Authorised Business Register from the Claims Management Regulator (which is part of the Ministry of Justice). Whilst having paperwork is not essential to check if you had PPI, it will help to speed up the process. Look for ‘PPI’, or the product names listed below, on original documents, credit agreements, more recent statements, and the terms and conditions for each agreement. Information about the PPI policy and any payments you made may appear next to repayments sometimes shown as an additional charge.

Which product names to look for in your paperwork

As explained above, PPI policies were usually sold with other products like a loan, credit card, store card, mortgage, overdraft or with a car finance agreement. As well as ‘PPI’ or ‘payment protection insurance’, many other names were often used for PPI or similar products. So your paperwork might include other names for PPI and similar products, such as:
  1. account cover
  2. credit insurance
  3. loan protection
  4. accident, sickness and unemployment (ASU) insurance
  5. credit protection
  6. payment cover
  7. loan care
  8. loan insurance
  9. loan repayment insurance
  10. income protection plan

How PPI was Mis-sold?

If you find that you had PPI policy and are unhappy with how it was sold, you can complain about it to the bank or other provider concerned and claim back any money you’ve paid with interest. Find out about mis-selling of PPI and why you might be eligible to claim a refund. It is likely you were mis-sold PPI if you experienced any of the following:
  • You were pressured into buying PPI or told you must have PPI by the bank or other finance provider
  • The bank or finance provider promised you a cheaper rate on your finance if you bought a PPI policy
  • I was told your loan or credit application was more likely to be accepted if you bought PPI
  • PPI was added to your finance agreement without your knowledge
  • you were advised to buy PPI even though it did not suit your personal circumstances or needs
  • You were self-employed, unemployed or retired but was still advised to buy PPI
  • I had pre-existing medical condition(s) at the time of buying PPI but was not advised that the PPI policy would not cover these or you were advised that a pre-existing medical condition was included in your PPI policy (or advised that it wasn’t included)
  • It wasn't made clear to me that interest was also applicable on the PPI if it was added to my loan
  • The bank or provider did not make it clear that the PPI would end before the loan or credit was repaid
There could also be other reasons why you were mis-sold PPI which we can look into when you start your PPI claim.If any of above examples were applicable to you or you believe you were mis-sold PPI in another way, please let us know as it will make it quicker for your bank or other provider to review your mis-sold PPI complaint.

Other reasons why you were mis-sold PPI

If you had PPI there is now another reason why you may be eligible to claim back money you’ve paid for the policy. If the bank or other provider earned a high level of commission from the sale of PPI, but didn’t disclose you this information when you purchased the PPI policy.

What to do after you've checked?

If you find or remember that you did have PPI and you’re unhappy with how it was sold to you, we can assist you with making a claim before the PPI deadline of 29th August 2019. Please note : It can take up to 8 weeks for your PPI check to be completed. Time is running out so we urge you to act sooner rather than later to allow you enough time to check if you had PPI and to decide whether you have a valid complaint against your bank or other provider

© 2018. storecardsppi.com is a trading style of Money Management Team Limited which is regulated by the Claims Management Regulator in respect of regulated claims management activities; its registration is recorded on the website www.gov.uk/moj/cmr (CRM34681) Registration Address: Railex Business Centre, Crossens Way, Marine Drive, Southport, Merseyside, PR9 9LY | Registered in England and wales 08290403 | Vat Number: 180 9825 79 | Tel: 0800 103 2631. Registered with the Information Commissioners Office: ZA029120 Telephone calls may be recorded for training and quality purposes. *The free PPI check is stand-alone, no obligation service. Any other services may be chargeable. Privacy Policy - Terms and Conditions - Complaints Procedure - Contact Us - About us