Payment Protection Refunds.co.uk Claims Pack

Transcription

1 Payment Protection Refunds.co.uk Claims Pack The following claim papers are all you need to begin your claim for a refund of Payment Protection Insurance Thank you for downloading your claim pack. In order to progress your claim it is important to include as much information as you can especially the unique agreement number and confirmation that you have payment protection insurance. If you are unsure about anything please call our dedicated form filling service where our friendly staff will assist you to complete the forms. Call: Free-phone Your pack will consist of: Letter of Authority x 2 To allow us to work on your behalf with the Lender. Please enter your name, Date of Birth, signature, current address and previous address. To be signed by both parties if a joint agreement Fact Find document x 1 We use this information to make a claim. We do not send this to the Lender No Win, No Fee Agreement x 2 (1 copy to sign and return, 1 copy to keep). To be signed by both parties if a joint agreement If you have multiple claims, 2 Letters of Authority and 1 Fact Find are needed per account. Please print again for additional claim forms, or alternatively we can post them out to you, please call the freephone number above. Call Payment Protection Refunds.co.uk Regus Building 5300 Lakeside Cheadle Royal Business Park Cheadle SK8 3GP

2 Claims management Lender Broker Agreement Number Our Ref: Please quote this Ref on all correspondence Client (For Office Use Only) Letter of Authority Dear Sirs, Please be advised that the undersigned has instructed Payment Protection Refunds.co.uk (PPR) to carry out a detailed review of the circumstances surrounding the sale and servicing of myour financial products andor services not limited to the above listed agreement but also taking into account any other financial product that may have included an element of payment protection insurance or mortgage payment protection insurance.this authority is enduring until cancellation has been received in writing by the undersigned. Please accept this letter as undisputed authority for PPR to act on behalf of the undersigned, to request and receive information, by way of letter, fax, telephone or . Iwe have instructed PPR to act on myour behalf and would therefore request any correspondence or communication in this matter is forwarded to or requested via the address shown below. This letter gives PPR the authority to act on behalf of the undersigned in accepting or rejecting any payment offered. Any payments, which may be payable, following these investigations, should be made payable to Payment Protection Refunds.co.uk Account and sent to: Payment Protection Refunds.co.uk, Regus Building, 5300 Lakeside, Cheadle Royal Business Park, Cheshire, SK8 3GP THE UNDERSIGNED CONFIRMS HAVING RECEIVED A COPY OF THE AGREEMENT FROM PAYMENT PROTECTION REFUNDS.CO.UK AND CONFIRMS THAT THE TERMS ARE ACCEPTED AS THE BINDING AGREEMENT IN CONNECTION WITH SERVICES PROVIDED BY PAYMENT PROTECTION REFUNDS.CO.UK Date Of Signing this Authority: Current Address: Previous Address (Only required if you have lived as the current address for less than 2 years) is a trading name of Bankchargerefundsltd. Company registration number Bank Charge Refunds Ltd and Payment Protection Refunds. Co. Uk are regulated by the Ministry of Justice in respect of regulated claims management activities. Authorisation number CRM Bank Charge Refunds Ltd

3 Claims management Lender Broker Agreement Number Our Ref: Please quote this Ref on all correspondence Client (For Office Use Only) Letter of Authority Dear Sirs, Please be advised that the undersigned has instructed Payment Protection Refunds.co.uk (PPR) to carry out a detailed review of the circumstances surrounding the sale and servicing of myour financial products andor services not limited to the above listed agreement but also taking into account any other financial product that may have included an element of payment protection insurance or mortgage payment protection insurance.this authority is enduring until cancellation has been received in writing by the undersigned. Please accept this letter as undisputed authority for PPR to act on behalf of the undersigned, to request and receive information, by way of letter, fax, telephone or . Iwe have instructed PPR to act on myour behalf and would therefore request any correspondence or communication in this matter is forwarded to or requested via the address shown below. This letter gives PPR the authority to act on behalf of the undersigned in accepting or rejecting any payment offered. Any payments, which may be payable, following these investigations, should be made payable to Payment Protection Refunds.co.uk Account and sent to: Payment Protection Refunds.co.uk, Regus Building, 5300 Lakeside, Cheadle Royal Business Park, Cheshire, SK8 3GP THE UNDERSIGNED CONFIRMS HAVING RECEIVED A COPY OF THE AGREEMENT FROM PAYMENT PROTECTION REFUNDS.CO.UK AND CONFIRMS THAT THE TERMS ARE ACCEPTED AS THE BINDING AGREEMENT IN CONNECTION WITH SERVICES PROVIDED BY PAYMENT PROTECTION REFUNDS.CO.UK Date Of Signing this Authority: Current Address: Previous Address (Only required if you have lived as the current address for less than 2 years) is a trading name of Bankchargerefundsltd. Company registration number Bank Charge Refunds Ltd and Payment Protection Refunds. Co. Uk are regulated by the Ministry of Justice in respect of regulated claims management activities. Authorisation number CRM Bank Charge Refunds Ltd

4 of Lender AccountReference No: Agreement Type Agreement Start Date: Loan Amount Loan Credit Card Mortgage Phone Store Card Internet Balance, if known Finance In Branch PPI Added? Yes Post No Combination

5 PLEASE SIGN AND RETURN THE AGREEMENT C l a i m s m a n a g e m e n t This Agreement is a legally binding contract between you and the Company. Before you sign, please read the entire document carefully. Obligations of the Company 1. To act in the best interests of the client in pursuing any potential claim against any financial institution. 2. To provide the client with impartial advice on the risks and benefits of pursuing a claim against any financial institution. 3. To advise the client on the suitability of any offer of settlement on behalf of any financial institution. Obligations of the client 1. To provide the Company with full and accurate information and not mislead the Company in any way. 2. To respond to any request from the Company for instructions or further information without delay. 3. To advise the Company of any change in address details or contact telephone numbers immediately. Rights of the Company 1. To decide at any time not pursue the claim, for whatever reason, but to give the Client written notice of same within 5 working days from the date of such decision. Rights of the Client 1. The Client shall have the right to terminate the Contract within 14 days of signing the Authority and Agreement and in that case shall not incur any fee from the Company. Notice should be made in writing to the Company and will be effective from the date posted by the Client. The Client should obtain and retain proof of postage to verify the date posted. 2. The Client has the right to terminate the Contract at any time by providing the Company with written notice. If the notice is received after 14 days of signing the Authority and Agreement and before any offer of redress is made by the Lender, the Company shall charge reasonable costs associated with the claim but not exceeding 250. If the notice to terminate the Contract is received after any offer of redress is made or receipt of any notification that the claim has been upheld then the full fee of 20%+ VAT of the total amount of redress will become payable. The Company will confirm its charges on receipt of notice to terminate. Fees and Charges The Company s fees will be 20% + VAT of the total financial settlement received from the Client s lending institution. Example A: All compensation is Cash in Hand Compensation Of which cash 2280 (and no reduction in loan as it is already paid off in full) Example B: Compensation includes Cash in Hand award with loan and future instalment reduction Compensation Loan reduction We operate on a No Win, No Fee basis, the only occasion where charges would apply is if the Contract is cancelled by the Client after the 14 day cooling off period when work has been carried out by PPR in accordance with the terms of our agreement. See the section Rights of the Client paragraph 2 for an explanation of early cancellation costs. Our fee is charged on a successful claim on the total amount of refund obtained. This also applies where an account is in arrears. The amount taken to repay arrears would also be charged at 20% + VAT of the amount. In the case of a claim for Payment Protection Insurance on a loan or credit card the client will normally receive the settlement funds by cheque or direct payment into their bank account. Where the loan or credit card is in arrears the lending institution may decide to use all or part of any refund to reduce the client s indebtedness to them. In these circumstances the Company s fees are based on the total amount of redress awarded to the client. What happens when the Agreement ends before the case itself ends? (a) Paying the Company if the Client ends the Agreement The Client can end the agreement at any time. The Company then have the right to decide whether the Client must: Pay the Company s basic charges and any disbursements; or Pay the Company s basic charges and disbursements if the client goes on to win their claim in respect of the Payment Protection Insurance Policy. (b) Paying us if we end the Agreement (i) The Company can end the Agreement if the Client does not keep to their responsibilities outlined above. The Company then has the right to decide whether the Client must: Pay the Company s basic charges and disbursements or Pay the Company s basic charges our disbursements if the Client goes on to win their claim in respect of the Payment Protection Insurance Policy ( and a reduction of 2000 in future loan instalments) Example C: Compensation is used to offset arrears Client has on borrowing Compensation Set off arrears Client pays 0 ( and a reduction of in their outstanding loan) (ii) (iii) The Company can end the Agreement if it believes the Client unlikely to win. The Company can end the Agreement if the Client rejects the Company s opinion about making a settlement with the Client s insurer. The client must then: Pay the basic charges and any disbursements Other points All information provided to the Company by the Client will be held and controlled in compliance with the provisions of the Data Protection Act The Company s registration number is and the registered office address is PaymentProtectionRefunds.co.uk. Regus Building, 5300 Lakeside, Cheadle Royal Business Park, Cheshire, SK8 3GP. The company s website is and the complaints procedure is clearly detailed thereon. A copy will be provided on request. The Company is regulated by the Ministry of Justice in respect of regulated claims management activities. The company s registration is recorded on the website THE UNDERSIGNED CONFIRMS HAVING RECEIVED AND READ A COPY OF THE NO WIN NO FEE AGREEMENT FROM PAYMENT PROTECTION REFUNDS.CO.UK AND CONFIRMS THAT THE TERMS ARE ACCEPTED AS THE BINDING AGREEMENT IN CONNECTION WITH SERVICES PROVIDED BY PAYMENT PROTECTION REFUNDS.CO.UK Date Payment Protection Refunds.co.uk Regus Building 5300 Lakeside Cheadle Royal Business Park Cheshire SK8 3GP T: F: W: is a trading name of Bankchargerefundsltd. Company registration number Bank Charge Refunds Ltd and Payment Protection Refunds. Co. Uk are regulated by the Ministry of Justice in respect of regulated Claims Management activities. Authorisation number CRM Bank Charge Refunds Ltd

6 PLEASE RETAIN FOR YOUR RECORD THE AGREEMENT C l a i m s m a n a g e m e n t This Agreement is a legally binding contract between you and the Company. Before you sign, please read the entire document carefully. Obligations of the Company 1. To act in the best interests of the client in pursuing any potential claim against any financial institution. 2. To provide the client with impartial advice on the risks and benefits of pursuing a claim against any financial institution. 3. To advise the client on the suitability of any offer of settlement on behalf of any financial institution. Obligations of the client 1. To provide the Company with full and accurate information and not mislead the Company in any way. 2. To respond to any request from the Company for instructions or further information without delay. 3. To advise the Company of any change in address details or contact telephone numbers immediately. Rights of the Company 1. To decide at any time not pursue the claim, for whatever reason, but to give the Client written notice of same within 5 working days from the date of such decision. Rights of the Client 1. The Client shall have the right to terminate the Contract within 14 days of signing the Authority and Agreement and in that case shall not incur any fee from the Company. Notice should be made in writing to the Company and will be effective from the date posted by the Client. The Client should obtain and retain proof of postage to verify the date posted. 2. The Client has the right to terminate the Contract at any time by providing the Company with written notice. If the notice is received after 14 days of signing the Authority and Agreement and before any offer of redress is made by the Lender, the Company shall charge reasonable costs associated with the claim but not exceeding 250. If the notice to terminate the Contract is received after any offer of redress is made or receipt of any notification that the claim has been upheld then the full fee of 20%+ VAT of the total amount of redress will become payable. The Company will confirm its charges on receipt of notice to terminate. Fees and Charges The Company s fees will be 20% + VAT of the total financial settlement received from the Client s lending institution. Example A: All compensation is Cash in Hand Compensation Of which cash 2280 (and no reduction in loan as it is already paid off in full) Example B: Compensation includes Cash in Hand award with loan and future instalment reduction Compensation Loan reduction We operate on a No Win, No Fee basis, the only occasion where charges would apply is if the Contract is cancelled by the Client after the 14 day cooling off period when work has been carried out by PPR in accordance with the terms of our agreement. See the section Rights of the Client paragraph 2 for an explanation of early cancellation costs. Our fee is charged on a successful claim on the total amount of refund obtained. This also applies where an account is in arrears. The amount taken to repay arrears would also be charged at 20% + VAT of the amount. In the case of a claim for Payment Protection Insurance on a loan or credit card the client will normally receive the settlement funds by cheque or direct payment into their bank account. Where the loan or credit card is in arrears the lending institution may decide to use all or part of any refund to reduce the client s indebtedness to them. In these circumstances the Company s fees are based on the total amount of redress awarded to the client. What happens when the Agreement ends before the case itself ends? (a) Paying the Company if the Client ends the Agreement The Client can end the agreement at any time. The Company then have the right to decide whether the Client must: Pay the Company s basic charges and any disbursements; or Pay the Company s basic charges and disbursements if the client goes on to win their claim in respect of the Payment Protection Insurance Policy. (b) Paying us if we end the Agreement (i) The Company can end the Agreement if the Client does not keep to their responsibilities outlined above. The Company then has the right to decide whether the Client must: Pay the Company s basic charges and disbursements or Pay the Company s basic charges our disbursements if the Client goes on to win their claim in respect of the Payment Protection Insurance Policy ( and a reduction of 2000 in future loan instalments) Example C: Compensation is used to offset arrears Client has on borrowing Compensation Set off arrears Client pays 0 ( and a reduction of in their outstanding loan) (ii) (iii) The Company can end the Agreement if it believes the Client unlikely to win. The Company can end the Agreement if the Client rejects the Company s opinion about making a settlement with the Client s insurer. The client must then: Pay the basic charges and any disbursements Other points All information provided to the Company by the Client will be held and controlled in compliance with the provisions of the Data Protection Act The Company s registration number is and the registered office address is PaymentProtectionRefunds.co.uk. Regus Building, 5300 Lakeside, Cheadle Royal Business Park, Cheshire, SK8 3GP. The company s website is and the complaints procedure is clearly detailed thereon. A copy will be provided on request. The Company is regulated by the Ministry of Justice in respect of regulated claims management activities. The company s registration is recorded on the website THE UNDERSIGNED CONFIRMS HAVING RECEIVED AND READ A COPY OF THE NO WIN NO FEE AGREEMENT FROM PAYMENT PROTECTION REFUNDS.CO.UK AND CONFIRMS THAT THE TERMS ARE ACCEPTED AS THE BINDING AGREEMENT IN CONNECTION WITH SERVICES PROVIDED BY PAYMENT PROTECTION REFUNDS.CO.UK Date Payment Protection Refunds.co.uk Regus Building 5300 Lakeside Cheadle Royal Business Park Cheshire SK8 3GP T: F: W: is a trading name of Bankchargerefundsltd. Company registration number Bank Charge Refunds Ltd and Payment Protection Refunds. Co. Uk are regulated by the Ministry of Justice in respect of regulated claims management activities. Authorisation number CRM Bank Charge Refunds Ltd