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We have seen so many companies in recent months spring up in the business of PPI promising to reclaim miss sold payment protection insurance policies.
Having been involved in this industry for many years we always find it of great interest to understand the problems associated with over selling these services, giving customers unrealistic and impossible expectations.
Many clients tell us that some companies will, without a contract or policy number be able to miraculously claim back the miss sold payment protection premium for the customer for only a small fee. It always amazes me that clients believe this to be true and have parted with hard earned cash in the belief that this could happen only to find out months down the line that no advances have been made.
If you are sure you have payment protection insurance or a PPP policy, loan protect or any other acronym meaning the same thing you can request your agreement yourself. In most cases if you ring the lender you can usually get the information providing you jump through all the security hoops, such as Date of birth etc. The lender will almost certainly provide a copy of the agreement providing you give a valid reason, ie accountant requires the information, your applying for working families tax etc.
If you have your agreement number but have lost your loan contract you can request under Section 77/78 of the Consumer Credit Act 1974 which provides you with access rights to a copy of the agreement and all other documents referred to within the agreement.
It is the lenders duty to provide you with a copy of the agreement, as signed by both parties and other documents. If this is the case contact realclaims today and request a copy of the letter to send on to your lender we will only be too happy to assist.
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