Do you have a question about We Fight Any Claim? Perhaps you would like to know more about the claims process?
Find the answers to our most frequently asked questions about PPI, our service, and the claims process, answered and explained by our experts in customer care.
What will We Fight Any Claim Limited do for me?
We pursue claims directly with financial companies and help our customers to claim back what is rightfully theirs. If a lender rejects what we believe is a valid complaint, we will continue to fight your corner by referring your claim to the Financial Ombudsman Service (FOS).
Can I make a claim for mis-sold PPI or PBA?
No. The PPI deadline of 29th of August 2019 has now passed and as such we are unable to start any new claims for mis-sold PPI. As of August 29th 2019, we are also not taking on any new claims for PBA.
Has my existing claim been affected by the deadline?
No. The deadline only prevents new claims from being instigated. We will continue to work on all claims which began prior to the August 29th deadline.
Do I have to use your service?
No. You can, if you wish, contact your lenders yourself and deal with them directly.
If you're not happy with their responses, you can take your claims to the Financial Ombudsman Service for free. However, if you chose to use our service we will do the work for you and make sure we have all the information you'll need. We'll free up your time and make the process as easy as we can.
What is a Packaged Bank Account (PBA)?
A Packaged Bank Account is a bank account where the bank charges a fee (usually monthly) in return for providing certain benefits, for example travel insurance, vehicle breakdown cover or mobile phone insurance.
Can I make a claim even if my PBA has been closed for some time?
Yes. In most cases, we can make a claim irrespective of whether your account is still open.
How do I know whether I was sold a PBA?
Check your bank statements to see if there is a recurring monthly charge. If you are still in doubt, you can always ask your bank if you have this type of account.
How do I know if I was mis-sold PPI or mis-sold a PBA?
There are a number of reasons why PPI and PBAs were mis-sold. Once we have received your paperwork we can investigate your circumstances further to see if you have a claim. We believe virtually all PPI, and a large number of PBAs, were not sold properly.
Unfortunately, from August 29th 2019 we are no longer able to investigate PPI or PBA claims.
Will I need to pay anything upfront?
No. We do not charge upfront fees. Please refer to your claims pack to see the fee rate charged for your PPI claim.
For our claim service in relation to PBA and any other products, we charge 32.5% plus VAT (39% including VAT at current rates) of any compensation we recover for you. This means you will pay us £390.00 for every £1,000.00 of compensation. The exact fee you have to pay will depend on how much compensation you're offered. So it could be more or less than indicated here.
Please also note that the fee is calculated on the basis of the gross compensation you're offered. This means before your lender makes any deductions from your compensation. This will depend on whether you still owe your lender any money or whether tax is payable.
You should also note that if the settlement you are paid after any deductions made by your lender is less than the amount you have to pay us for our service, then you will need to pay any shortfall out of your own funds.
Can I cancel my agreement and what do I have to pay?
You can cancel within the first 14 days and you won't have to pay anything. Please note if you do cancel your claim, you will not be able to reinstate your claim as the deadline for new PPI claims has now taken effect.
If you cancel more than 14 days into your agreement, the maximum fee you'll pay is £150 + VAT unless your claim has been referred to the Financial Ombudsman Service. In this case, the maximum is £200 + VAT.
Will I be charged if my claim fails?
No. We charge only for successful claims.***
What if I haven't got any of the original documents?
Don't let that hold you back. We can request relevant information under the Data Protection Act 2018.
How long will it take?
From August 29th 2019, we have been unable to instigate new claims for mis-sold Payment Protection Insurance (PPI) and Packaged Bank Accounts.
In October 2019, the Financial Conduct Authority announced a delay in the processing of PPI claims that were lodged to beat the deadline for these on August 29th.
What this means is that lenders currently have up to three months after receiving a PPI complaint to acknowledge this. Receiving confirmation that a PPI complaint has been accepted may take longer than usual.
In addition, lenders now have six months to investigate complaints and let customers know what the outcome of the complaint is. This means that it may take much longer for you to find out whether you are owed compensation or not.
We apologise for this but we hope you understand that this is due to circumstances that We Fight Any Claim cannot control.
Will making a claim damage my credit file and stop me from obtaining finance in the future?
We are your representatives. Please send any correspondence immediately to us. Please do not respond to it yourself. If your lenders contact you by telephone, please do not try to deal with them yourself. Simply refer them to us, and then let us know, immediately.
If my claim is successful, will the compensation go towards paying off outstanding debt?
If your account is in arrears or overdrawn, your compensation may be offset against those arrears; this will reduce your debt. Any remainder should be paid directly to you.
If your account is not in arrears, any compensation should be paid directly to you. In either case, our success fee will be payable on the full compensation amount.
How do I make a complaint about We Fight Any Claim?
Accident Sickness Unemployment cover (another name for PPI).
Basis of Claim:
The reason why you feel your policy was mis-sold.
Financial Ombudsman Service - the body which settles disputes between financial providers and their customers.
Financial Conduct Authority (FCA) - Regulator of all providers of financial services in the UK.
Financial Services Compensation Scheme, compensates customers if a lender is unable to do so.
A policy on which PPI was taken out in more than one name, and requires signatures of all named parties.
Loan Protection Insurance:
Another name for PPI.
A PPI policy that was either inappropriate or sold without the customer wanting it, needing it, or knowing about it.
Mortgage Payment Protection Insurance.
PPI Information Request. A report from your lender confirming whether or not you have ever had PPI on your account.
Payment Protection Insurance
Subject Access Request. A request to the creditor for the information they hold on you relevant to your claim.
Single Premium Policy:
A PPI policy that placed the full cost on top of the loan as a lump sum.