What is Payment Protection Insurance?

Payment protection insurance is a type of insurance linked to a loan so that if you are made unemployed or can not work due to an accident or sickness, your monthly repayments are still paid.

Why have PPI polices been mis-sold?

While in practice this protection is important the charges, exculsions and manor in which these policies have been sold means that they are not suitable. There are a variety of reasons why your PPI policy may have been mis-sold but some of the main reasons are as follows:-

You may have been told you had to have the PPI to be approved for the loan

The cover was for only 3yrs while your loan lasted for much longer, meaning you would have to pay interest after the insurance had finished

The cost of a monthly premium would have been much more cost effective

You would never have been eligible due to pre existing medical conditions or due to you employments status

THe above points are only examples. The fact is that the majority of all single premium policies have been mis-sold.

For a no obligation evaluation of your claim you can contact us by phone or use our quick call back form and we will discuss matters with you. 

Alternatively if you prefer you can click here to submit a full application

Why Miller Gardner?

We are the UK's leading experts in challenging and recovering from lenders PPI compensation, and not only have an impressive record of reclaiming PPI premiums for our clients but unlike all claims companies and many solicitors where possible we will recover our costs from the lender meaning you receive 100% of your compensation.

For example if your claim is worth £5,000 or more and you use claims company or one of the many law firms who do not have the required expertise, even if you win, you will need to pay, with the increase in VAT, 30% of your compensation if fees. IF your loan is still live this may even mean you have to pay them. In most cases where the claim is over £5000 Miller Gardner claim our fees from the otherside

 We also have inhouse experts who check the offers made to our clients to ensure they are awarded as much as possible.

While it is rare, there are some loan agreements that are unenforceable meaning that you will not have to pay the balance of your loan. As part of the service, if we are recovering your PPI then we will also check the agreement to see if it is unenforcable and proceed accordingly.

In addition to reclaiming your PPI payments and checking for unenforceable credit agreements we will also investgate if any undisclosed commisions were paid by the insurer to the lender or broker in relation to the Payment protection policy. In these cases we can sue the lender or broker to pay you the commision.  

We act on a Conditional Fee basis (no win - no fee) and there are no upfront fees required so you can reclaim your PPI today without any risk to you.

In summary, Miller Gardner are the leading experts in Financial mis-selling relating to Payment Protection Policies and by choosing us to handle your claim you can be assured of the maximum PPI compensation with the minimum fuss.