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 (WFAC) do for me?
If you have a PPI or Packaged Bank Account we pursue claims directly with your creditor(s) and help you to claim back what is rightfully yours. Should your creditor(s) reject what we believe is a valid complaint, we will continue in our pursuit to fight your corner by referring your claim to the Financial Ombudsman Service (FOS). Our service includes: Claiming back the full cost of your PPI policy and/or any PBA charges; Claiming back any interest added onto your PPI policy; and Claiming statutory interest where applicable.
Can I make a claim even if my account has been closed for some time?
Yes. In most cases, we can make a claim irrespective of whether your account is still open, subject to the relevant timescales. If in doubt speak to us and we can tell you.
How much work do I have to do (i.e. completing paperwork, calling the creditor etc.)?
We will do most of the work for you including contacting your creditors. We will carry out a Free PPI Check for you to confirm whether or not you were sold PPI. If you were affected by PPI we will call you to confirm whether or not you wish to proceed with our Claim Service. If you do wish to continue then all you will need to do is answer us some simple questions around your circumstances at the time of the sale. We will then submit a strong legal argument to your creditor on your behalf. If you do receive any correspondence from your creditor(s), simply send it to us.
Can I make a claim on an agreement I had with an ex-partner?
Yes, but ordinarily your creditor(s) require signatures from both parties named on the agreement.
Will I have 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 rate) of any Compensation we recover for you. This means that, including VAT at current rates, you will pay us £240.00 for every £1,000.00 of Compensation. For our PBA Claim Service, we charge 32.5% plus VAT (39% including VAT at current rates) of any Compensation we recover for you. This means that, including VAT at current rates, you will pay us £390.00 of every £1,000.00 of Compensation.
What if I haven’t got any of the original documents?
We don’t need account numbers or original documents. As long as you can provide us with your name, date of birth, address details and name of creditor we can then establish if you were sold PPI.
How long will it take?
We can usually tell you within around 15 days if you were ever affected by PPI or sold a Packaged Bank Account and we do this free of charge. If you then wish to continue with our service, an average claim can take around 3 to 4 months for a settlement. Of course, sometimes this is a lot quicker and other times a lot longer, especially if we have to refer your claim to the Financial Ombudsman Service.
Will making a claim ruin the relationship I have with the creditor?
Any offer of compensation that you receive will not impact your status with your creditor, or your credit rating, as the Financial Conduct Authority’s ‘Treating Customers Fairly’ rules state there should be no post sales barriers to making a complaint.
Will making a claim damage my credit file and stop me from obtaining finance in the future?
Claiming would not leave any credit footprints or have a negative impact on your credit file, now or in the future, as per the Financial Conduct Authority’s ‘Treating Customers Fairly’ rules. No complaint will affect your statutory rights to obtain credit either now, or in the future.
What if a creditor contacts me regarding my complaint?
If your creditor sends you anything in the post, just send it on to us and we will deal with it. If your creditor contacts you by telephone, do not engage in conversation with them, and tell them to refer their questions to us. We represent you. We’re professionals and it’s our job. They mis-sold the PPI in the first place. Let us deal with them.
Will I be charged if my claim fails?
No. If your claim fails then you will owe us nothing***.
If I‘ve tried claiming myself or with another CMC can I still make a claim?
Providing your claim has not already been referred to the Financial Ombudsman Service and is still within the relevant time frames then yes, we can make a claim on your behalf. If in doubt speak to us and we can tell you.
If my claim is successful will the money I get back go towards paying off my outstanding debt?
If you owe your creditor money, your creditor may use some or all of the money you get back to pay off or reduce the amount you owe to them. If you do not owe your creditor any money then all of the money you get back should be paid to you. In either case, if we are successful in getting your money back for you then our fee of 24% including VAT will be payable by you.
I returned my pack some time ago but I have recently received some duplicate paperwork why?
Some of the forms used to process your claim are only valid for 6 months. If your claim is complex or needs to be sent to the Financial Ombudsman Service, it may take longer than this to resolve. If so, we will send you some duplicate forms to enable us to complete the claim process for you.
Where do I start?
Using our service couldn’t be simpler! Start your Free PPI Check either online by clicking here or by calling 0800 355 0000. Once you have received your paperwork, simply complete the forms and return them to us.
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.