Credit card protection: reclaim PPI for free. If you have a credit card or store card, you may be able to reclaim . Check NOW if you were flogged worthless PPI as last August the regulator reiterated its plans for an anti- consumer claims deadline. Don't hand 3. 0% to a no- win no- fee claims handler. Capital One, MBNA, Nat. West, Lloyds and more. We've recently launched a brand new version with our free Resolver tool to reclaim mis- sold insurance.

See Reclaim PPI for Free While every effort's been made to ensure this article's accuracy, it doesn't constitute legal advice tailored to your individual circumstances. If you act on it, you acknowledge that you do so at your own risk. We can't assume responsibility and don't accept liability for any damage or loss which may arise as a result of your reliance upon it. Frequently asked questions. Many people are put off reclaiming because they've questions - . To help, before we get into the step by step reclaiming guide, we've put together some of the most common to help you see the lay of the land.

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If your question isn't here, it may be in the main guide below. Remember, the general rule is, if you think you were mis- sold, give it a go. If the bank rejects you, that doesn't automatically mean you don't have a case - take it on to the free Financial Ombudsman Service.

If you're interested in finding the right card for you, see the full credit cards. Also, remember that sometimes add- ons that come with credit cards (especially free ones) can be really useful, see Credit Card Perks for more info. The PPI basics: what is it, how was it mis- sold?

New. FCA reiterates its plan for an anti- consumer claims deadline. What does it mean for you?

The regulator, the Financial Conduct Authority, confirmed in August 2. Technically, it's still at consultation stage yet it's a fait accompli. But this is an anti- consumer move. How can it argue this is being done to protect consumers when the uphold rate at the Financial Ombudsman is still hovering around 6. April 2. 01. 6)? To go to the Ombudsman you have to first complain to the bank .

The rules are unlikely to be in place before June 2. Of course, it is still only at consultation stage - despite clear plans to go ahead - so is still subject to change. See PPI claims time- bar for more details of the proposals. So to be safe get a complaint in ASAP. You can complain about a product sold at any time, though here are some guidelines which may help. It's easier if your insurance was active in the last six years, but don't let this put you off.

Insurance started in the last six years: There's no issue here at all. Even if the loan's now paid off, you can start a reclaim.

Older insurance that's still active, or ended within the last six years: You can start a reclaim. The six- year rule applies to active insurance, so a policy taken out 1. If your policy ended over six years ago: The 'statute of limitations' means banks don't need to keep records that are over six years old. However, there is no official cut- off time so if you've still got the paperwork, while your chances of success are a little lower with older loans, many still do successfully reclaim.

What is credit card PPI? PPI stands for . If you were mis- sold PPI, you may be able to reclaim . See the mis- selling checklist. Is every credit card PPI policy bad? No. Payment Protection Insurance itself isn't a bad product.

But it's been widely mis- sold with thousands of loans, credit and store cards, leaving many paying hundreds or thousands of pounds for potentially worthless cover. If you. If you do, a standalone policy instead of the existing one should save cash, as less goes towards big commissions. You can get similar cover for about a third of the cost. See the Cheap PPI guide. When did PPI mis- selling start? There's no specific start date. The problems of mis- selling have been around for a long time.

Martin was warning about them back in 2. Complaints can generally start on policies from the 1. The financial regulator started fining PPI companies in 2. Is there a deadline I need to complain by? No, you can complain about a product sold at any time though here are some guidelines which may help.

It's easier if your insurance was active in the last six years but don't let this put you off. Insurance started in the last six years: There's no issue here at all. Even if the loan's now paid off, you can start a reclaim. Older insurance that's still active, or ended within the last six years: You can start a reclaim. The six year rule applies to active insurance, so a policy taken out 1. If your policy ended over six years ago: The 'statue of limitations' means banks don. However, there is no official cut- off time so if you.

In fact, the biggest success we've ever had reported to us was an . Though the key here is the more outstanding debt you had, the more you can likely reclaim as most cards charged roughly 8. Many people get back . Plus you are often entitled to any interest you would've been charged on that portion of your credit card balance (so you're in the same position you would. See our independent leaflet for more info on what to look for on your offer letter. Estimating the size of your reclaim.

The amount you've paid is different from product to product. Plus, the estimate's tricky as the amount you owe changes each month. Estimating is therefore far more of a 'guesstimate'. Do use this as an opportunity to consider whether the insurance is still appropriate for you, or if you could get similar cover for less elswhere see the Cheap PPI guide.

If I want to keep my PPI, can I save money on it? If you got PPI with a card, it's likely you're paying MASSIVELY over the odds. Check if you can get the same for less elsewhere: Standalone cover can be half the price.

Some bank PPI policies are so pricey that the max payout for a year may be less than the policy cost. It's possible to get similar credit card. See the Cheap PPI guide for info. Cancel & switch expensive insurance. If you've already got a credit card with PPI, it's normally a simple process to just cancel it.

If so, getting a standalone policy and cancelling the existing one should save cash, as less will go on enormous commissions. Beware switching if you've a pre- existing condition. Most new policies won't include pre- existing conditions you have when a policy's taken out. If this applies, don't change it.

For ways to switch, see the Cheap PPI guide. Need to make several claims?

After you make a claim (which usually covers payments for a year), you'll need to wait a set amount of time before making another - even though you'll be paying for the insurance. Will they cancel my PPI if I reclaim it? Reclaiming almost certainly means your insurance will be. Being mis- sold PPI doesn.

It often involved misinformation from trusted institutions. Those who reclaim are only getting back cash that was wrongly taken from them. Top Single Parent Dating Sites more.

For more, see Martin. It lists any debts that were alive within the last six years, even if they're now closed. You've a right to see credit files for . Most will. be able to tell you whether you've had PPI, either now or at some point. For example Nationwide has an enquiry form you can complete. See contact details for the main banks in the PPI.

MSE news story. If this doesn't work, what's needed is likely to depend on how. Some lenders only need a name and address (remember. It may be easier if you have the original card agreement and. Under the Consumer Credit Act, if your account's still open.

If your account. Contact your provider with. Is there another way to check? If your credit card provider says you didn't have PPI, as a backup you can ask who it used as its underwriter (the company that decides whether you're eligible for the insurance). You can then contact this organisation directly to see if a policy exists. What name should I look for to spot PPI on the paperwork? Once you have your paperwork, look for any mention of an.

It may be called 'payment cover', 'a protection plan', 'ASU'. If you find something on your paperwork you. How do I start a complaint?

Write or phone the company that sold the policy and ask for a. You'll find all the information on.

What does my complaint need to say? Just write down what you remember about the sale of your card. It's a Microsoft Word.

If you still have problems filling it in, call. Ombudsman on 0. 80. Do I send my complaint to. Ombudsman? In the first instance, you must send it to the card. If it turns down your complaint, you can then send.

Financial Ombudsman Service. Where do I send my complaint? If your card was from a mainstream lender, send your complaint.

Look on your statement for the address. Many. of the main banks have specific PPI departments. Find their contact. For store cards, contact the company that issued the card. It. is responsible for ensuring staff were trained and customers received. If you need to complain. My conversations with the bank were.

I've no other evidence, help! Mis- selling's often systemic - in other words, it was part of. The lender has responsibility to give full details. The bank may know it was likely. If it won't settle it, make a complaint to the Financial. Ombudsman Service.

I can't remember for sure if they. I had to have credit card PPI, should I reclaim? If the account's still open, or has been in the last six. So if there's a chance you weren't. Many banks were involved in.

If this applies, it's likely you'll win your case. See. the mis- selling. My debt's been passed to a. Who do I contact to reclaim? Contact the company who provides the card - it may refer you. I got a text message saying I was.

Is it true? No. It's spam, pure and simple. The fact you got this text is absolutely meaningless, it's. You may be owed PPI money, you may not. See. more in claims handler FAQs.'Can I reclaim' queries. I was rejected by my bank a while ago (possibly years), can I start a new complaint? The PPI story is always changing and we hear new stories of bad practice all the time.