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Reclaim Mis-Sold Loan Insurance

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• Unfair Bank Charges
  If you break the terms of your current account by exceeding your overdraft, your bank is within its rights to charge you, but only to cover its costs, not to make a profit. If they charge you more, you have been a victim of unfair bank charges and have the right to claim your money back.

• Unfair Credit Card Charges
  If you exceed your credit card limit, you have broken the terms and conditions of the account and your provider has the right to charge you, but only to cover its administration costs, not to make a profit. If you have been charged more, you have been a victim of unfair credit card charges and have the right to claim your money back.

• Mis-sold Payment Protection Insurance
  PPI is an insurance policy that is taken out alongside a loan to cover the monthly payments should you become unable to work. But, 85% of people who claim on their policies are refused, mainly because of exclusion clauses that they were unaware of.

  If the terms of your PPI were not fully explained to you, you were made to believe that buying PPI was compulsory or you were sold a PPI policy without even knowing it you have been mis-sold PPI and have the right to a refund on your payments.

• Mortgage Exit Fees
  If you end your mortgage early – by switching lenders or paying it off some other way – then your lender is supposed to charge no fee at all, or a minimal one to cover their costs, but many are making a profit at your expense, so you could claim you mortgage exit fee back.

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