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 you to claim back what is rightfully yours. If they reject what we believe is a valid complaint, we will continue to fight your corner by referring your claim to the Financial Ombudsman Service (FOS).
I don't think I'm entitled to claim back my PPI.
You're not alone in thinking that but you should check anyway. And many people weren't even told PPI was being added to their credit agreements -- in some cases, it was sold by stealth. What we will do is: - Look into whether or not you were sold PPI; - Establish whether or not you have a basis of claim; and - Get you a result or you don't pay anything.
Do I have to use your service?
No. You can, if you wish, contact each of your lenders yourself and deal with them directly, whether this is for a PPI claim or a claim about a packaged bank account. If you're not happy with their responses, you can take your claims to the Financial Ombudsman Service for free. However, 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.
How urgent is my PPI claim?
Very urgent. If your claim isn't submitted by 29th August it will be "time barred". Please don't hesitate and let that happen. Please act now.
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 PPI/PBA has been closed for some time?
Yes. In most cases, we can make a claim irrespective of whether your account is still open. There are time-limits though -- and not just for PPI - so the sooner you act, the better.
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 receive your returned paperwork we can investigate your circumstances further to see if you have a claim. We believe virtually all PPI, and most PBAs, were not sold properly -- so, if you have them, we think there's a very good chance they were mis-sold to you.
How much work do I have to do (i.e. completing paperwork, calling my creditor etc.)?
Rest assured, we take care of the communications with your creditor/financial company. We carry out a free check for you to look into what you were sold. We will then call you to confirm whether you want to proceed with our claim service and, if so, complete our basis of claim form with you -- this allows us to identify the grounds for your claim and pursue this on your behalf. We will contact you in due course if we need further information from you. Don't forget, if you receive any correspondence about your complaint please don't respond to it yourself - just send it to us, straightaway.
Will I need to pay anything upfront?
No. We do not charge upfront fees. And we don't charge anything for our free PPI check service. For our PPI claim service, we charge 20% plus VAT (24% including VAT at current rates) of any compensation we recover for you. This means you will pay us £240.00 for every £1,000.00 of compensation you are offered. 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 shown above. 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?
Yes, your PPI check is free so you can cancel this whenever you like. If you appoint us to act as your representative and make a claim on your behalf, you can cancel within the first 14 days and you won't have to pay anything. If you cancel after 14 days but within 3 weeks (and before we tell you that you have a compensation offer and our fee becomes payable) or before we tell you that we're not going to progress your claim, you will have to pay up to a maximum of £100 + VAT for our time and costs. If you cancel after more than 3 weeks, we will not charge you more than £150+VAT unless your claim has been referred to the Claims Management Ombudsman Service. In this case, you will not have to pay more than £200+VAT.
Will I be charged if my claim fails?
No. We charge only for successful claims.*
What if I haven't got anut 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?
Typically, claims may take around 5 months for a settlement. Some can be resolved in around 8--12 weeks. Some can take significantly longer, especially if they are more complex, or have to be referred to the Financial Ombudsman Service.
Will making a claim damage my credit file and stop me from obtaining finance in the future?
Claiming will not leave any credit 'footprints' or have a negative impact on your credit file, now or in the future.
What if a creditor/financial firm contacts me regarding my complaint?
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.
Where do I start?
Just complete the enclosed pack and return it to us. If you need any assistance please call us on 01633 705 081.
How do I make a complaint about We Fight Any Claim?
If you're unhappy about our service, you can complain using any one of the following methods: By phone -- 01633 705081 By email -- [email protected] By web -- www.wefightanyclaim.com By post -- We Fight Any Claim Ltd, Tintern House, Llantarnam Park, Cwmbran, NP44 3AB
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.