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Your Questions Answered

Your most frequently asked questions about
making a PPI claim are answered here:


The Financial Conduct Authority has recently fined a number of high street banks and lenders over the mis-selling of Payment Protection Insurance. This means that if you have taken out a loan which had a PPI included, there is a good chance you could get all your money back.

How long does the process take?
An average claim will take about 8 weeks. However, in more complex cases, or where the case has to be referred to the Financial Ombudsman Service, a complaint can take up to a year to settle.

My loan has been paid off, but can I still claim?
The answer is yes. Even expired or settled policies may qualify for a claim.

Do you charge any upfront fees?
We work on a ‘no win, no fee’ basis and as such, you will pay nothing upfront for Uclaims service.

Can I still claim if I’m in arrears?
The answer is yes. The lender will just ask that any arrears are deducted from the PPI payment.

Will making a claim affect my credit rating?
The answer is no. Making a claim will not result in any negative effect on your current credit rating.

Can I claim direct?
The answer is yes. You can, of course, approach your lender and make a complaint directly.

Can I make more than one claim?
The answer is yes. Most people make several claims, generally because they have had more than one loan or credit card over the last 10 years that included PPI cover.

Can I still get a refund, even if I have
claimed on the PPI?

The answer is yes. Even if you have used the policy to meet your re-payments.

How much could I claim?
We will normally recover all the PPI premiums that you have previously paid, including interest paid to date, plus statutory interest at 8%. You will also be eligible to cancel the whole policy so as not to make any further payments. All of which could be worth thousands of pounds!