Start your claim now!
To check for PPI on loans & credit cards even if you entered into IVA, Bankruptcy or arrears 1995 to 2009 call our friendly personal claim handlers now on 0800 862 0605 or click here to simply order your no obligation claim pack online.
Finally a PPI company you can trust with low fees & more importantly great reviews.
Best reviews guaranteed of any claims company (over 100 reviews via Facebook reviews app).
Civil Claim Services was formed by senior banking complaint handlers who recognised an urgent need for a competent claims company to combat bank PPI complaint handling buffoonery, corruption and incompetence whilst also recognising major flaws in the free advice available online.
Our process is entirely different to that advertised on free advice sites or many claim companies which will give you the edge when reclaiming even if declined in the past. To get the ball rolling without the need for a phone call http://www.civilclaimservices.co.uk/ppi-form or for more information call 0800 862 0605 for a friendly chat with our friendly personal claim handlers.
What we do that is different?
1 – Search back to the mid-nineties with or without your PPI paperwork! We use a clause in the data protection act 1998 and have the skill set to decipher the information provided by the banks in order to identify PPI (which is rarely called payment protection insurance) finding your old agreements which date back to the early 90’s so no paperwork needed. Also PPI was widely banned in 2008 so checking your credit file is a waste of time and anyone who advises you to do so we would have misgivings about listening to.
2 – We do not send template letters all legal arguments are based on your personal circumstances & on the ICOB (insurance code of business principles) unlike the templates available online and that many other claims companies use as they are deeply flawed.
3 – A standard rate of 24% inclusive of vat which is way below many of our competitors but most importantly we have great reviews
4 – Any declined claims will be appealed to the relevant teams within the banks before sending to the financial Ombudsman who currently have a 2 year back log for PPI though we do try to get our clients cases pushed forward when possible.
5 – Reclaim even if you did not pay back your credit agreement in full due to arrears, IVA, bankruptcy etc on a no win no fee basis.
6 – Handling multiple claims can be time consuming and if you do not have the time or inclination but do not want to miss out then use us.
7 – If you have used other methods to check for PPI and been told no we are happy to check again for you.
8 – We believe everyone who had a PPI policy was mis-sold even if you knew about it and we will fight for your refund.
9 – We have complex spreadsheets to verify refunds are correct and have a proven history of appealing cases in order to get increased refunds (no way of verifying refunds on free advice sites).
10 – Our fees are clearly explained and unlike many will not use to your data to sell other products which we make a commission on.
11 – Should you wish to use us you will be allocated your own personal claim handler so no being passed from pillar to post during the process.
12 – Many ‘free’ PPI advice websites have commercial agreements with the banks worth millions of £££’s therefore representing a potential conflict of interest being the banks are responsible for this whole scandal. You can use the Financial Ombudsman Service (FOS) or the Financial Services Compensation Scheme FSCS where applicable and they do not charge for the service they provide.
13 – We will keep you updated.
What about if I have been in arrears?
A protective rate is offered for clients who may have been in this situation as Civil Claim Services would never want to put you in a worse financial position for attempting to claim back the money for the insurance that was mis-sold to you. If a successful claim is made and your terms and conditions are set to the protective rate of 24% inclusive of VAT and the successful claim money is offset towards your debt, you WILL NOT be charged for our work though we will do all we can to get a refund paid to you.
How do you verify refunds?
We have complex spreadsheets to verify refunds are correct and have a proven history of appealing cases in order to get increased refunds (no way of verifying refunds on free advice sites).
What about if my claim is turned down?
If your claim is turned down initially, the claims process does not end. Civil Claim Services’ experienced in-house claim experts will appeal this and exhaust all avenues in attempt to have the original decision overturned. The practised in-house claim experts will also verify offers made in any successful claim to ensure that the calculations are correct and the money being paid to you is the refund you deserve. Get your PPI claim re-opened
Our clients think we’re the best PPI company, check out our reviews
Civil Claim Services have the best reviews on the internet with 4.7 out of 5 stars on Facebook true as of January 2019. These are honest reviews from both former and existing clients sharing their opinions and thoughts on the service that they have received from Civil Claim Services. Many of these reviews mention the names of the client’s personal claims handler and how they made the experience of using Civil Claim Services exceptional.
Other methods and services
You can also approach the Financial Ombudsman Service (FOS) or Financial Services Compensation Scheme (FSCS) for free if you wish them to review your case, if you have already approached your lender first and if it falls within their remit you can appeal to the FOS too. Where Civil Claim Services Ltd refers your case to FOS/FSCS, we will not charge any extra for such services.
Wish to be part of our team? click here Recruitment
Click on the Logo below to fill out our online PPI form
Please keep in mind that all data supplied is highly confidential and will not be shared with any third parties.
13 Market Street
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