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A. The vast majority of Blue Sky Claims Payment Protection Insurance (PPI) mis-selling clients had no idea that they had been sold Payment Protection Insurance (PPI). The banks, lenders and finance companies have been hiding the facts regarding the sale of Payment Protection Insurance (PPI) and its not surprising that you have forgotten that you have been sold PPI.

At Blue Sky we will check every loan, car finance, HP, PCP and credit card to find out how many policies you were actually sold. When we find the PPI will assess whether the PPI was mis-sold and if it has we will reclaim the money back as soon as possible along with interest.

A. So far we have found that all banks have been selling Payment Protection Insurance (PPI). There maybe some obscure banks that we have not heard of who have sold a few hundred loans however all the banks on the high street and the ones you see on television have been mis-selling Payment Protection Insurance(PPI) for many many years.

A. The answer to why banks have been mis-selling for years is simple, greed.

A. Yes we are regulated by the Regulated by the Ministry of Justice in respect of regulated claims management activities (CRM23423); its registration is recorded on the website www.claimsregulation.gov.uk.

A. We are members of the Claims Standards Council and the Financial Claims Standards Council.

A. We at Blue Sky think that the banks have been mis-selling Payment Protection Insurance for at least the last 20 years. We have cases of mis-selling going back to the mid 1980's, however mis-selling of Payment Protection Insurance has been going on for a whole generation.

A. We at Blue Sky are amazed that the FSA did not acted sooner however a few banks such as Alliance and Leicester have been fined upwards of £7million. The British Bankers Association tried to resist the FSA rules on PPI. In October 2010 sought a judicial review. In january 2011 the case was heard and in April 2011 the FSA won! The Banks where told they had to pay up.

A. Yes many banks have been fined by the FSA for mis-selling of payment Protection Insurance. These Include Alliance and Leicester, HSBC, HFC, Barclays, 1st Plus, Abbey, Loans.co.uk, Abbey and several more banks, brokers and finance companies have been fined by the FSA.

A. This is a complicated question and is not simple to answer. Firstly if your loan has been redeemed then you would normally have 6 years to claim back mis-sold Payment Protection Insurance (PPI). This being said we have won may cases where the loan was redeemed up to 20 years ago. If the PPI was mis-sold on a credit card the same rule applies here however if the loan or credit card is still live we can run the claim for mis-selling PPI back to when the loan or card had PPI added to it.

A. I am afraid not. This is a popular misconception as PPI added to a loan only really covers you for the first 5 years of the loan. Sorry to say that for the rest of the 20 years you will be paying for the mis-sold PPI and interest that your lender has added. if it is a joint loan, cover is also not usually given to the second borrower.

A. This is a very serious issue we find on the vast bulk of PPI claims against banks, finance companies and credit card providers.

A. We are afraid that if the PPI was added to your loan then yes the lender will charge you interest on top. This could well double or triple the cost of the mis-sold Payment Protection insurance (PPI). The good news is that Blue Sky will be able to reclaim the interest back from the bank that mis-sold the Payment Protection Insurance (PPI).

A. Yes of course we will add the interest your bank has already charged you as part of the claim for mis-selling of Payment Protection Insurance. (PPI)

A. Whilst Blue Sky claims runs your claim for the mis-selling of Payment Protection Insurance (PPI) your lender will usually try it on by offering low offers however it is Blue Sky claim’s job to reclaim the maximum amount possible.

A. Yes of course. We always make a claim against the bank and the broker for mis-selling the PPI.

A. Yes of course as we will put your claim the the Financial Services Compensation Scheme.

A. You must make your Payment Protection Insurance (PPI) mis-selling claim as soon as possible as the ability to make a new claim may vanish any day.

A. Blue Sky will always claim from the bank who lent your the money and were obviously involved in the mis-selling of the Payment Protection Insurance (PPI).

A. Many clients ask us this question! The only way we can wipe out your loan is if your claim exceeds the amount that you owe the lender.

A. Verry likeley. Just because you asked for Insurance doest’t mean that the bank sold you the product suitable to your needs and was sold at the right price etc etc.

A. Usually PPI mis-selling claims take around 2 to 6 months to settle fully.

A. No way ! Putting all your claims in at once does not mean that you will pay any more and delaying putting in the claims will delay when you are repaid your money!

A. Verry likely You can claim back the Payment Protection Insurance (PPI) for many many reasons that are far too many to answer here and we will check that when we receive your details.

A. Yes of course you can claim back all your mis-sold Payment Protection Insurance (PPI) plus interest less the amount that you have claimed back already.

A. You can still claim back your mis-sold Payment Protection Insurance however Blue Sky must agree to take off your arrears from the total claim.

A. Yes of course you can make a Payment Protection Insurance claim even you have arrears. We will have to take off the arrears from your total claim though!

A. In many circumstances, yes of course we can stop repossession. Blue Sky may well be able to prove that the lender owes you more money than you owe them. We may need to write you a letter for the Courts however we will write to your lender to stop possession proceedings if we believe that your claim exceeds the outstanding arrears.

A. Of course you can claim for mis-selling even if you were told that you must take out PPI on a loan, finance, HP, PCP or credit card.

A. Yes of course you can and the Financial Ombudsman Service is free to you. Of course the majority of Blue Sky customers feel daunted at the prospect of running the claim themselves, which is not surprising.

A. Yes of course you can complain directly to your lender for the mis-selling of Payment Protection Insurance (PPI) and unlawful charges levied on a credit card. Of course the majority of Blue Sky customers feel daunted at the prospect of running the claim themselves, which is not surprising.

A. You will receive the full amount that the lender added to your Mortgage, loan, finance, HP or credit card plus any interest the lender charged you plus 8% in interest on any monies that you paid throughout.

A. At Blue Sky we only charge 25% plus vat of the whole award and or benefit that you will receive for the mis-selling of payment protection Insurance and unlawful charges on credit and store cards. There are companies that charge less however Blue Sky have been claiming back PPI for many years and some of the newer companies helping to make claims are very likely to fail to give you the service Blue Sky can give. They may not stay in business for long enough to complete your claim.

A. Making a claim for mis-sold (Payment [Protection Insurance (PPI) is likely to improve your credit rating especially if the loan is secured against your house.

A. If your wife signed for the loanas well then yes of course she will also need to sign our authorities and engagements otherwise our service is confidential with you.

A. If you have defaulted on your loan then your lender will take your arrears off the total settlement. The great news will be that you may have no more arrears plus a cheque!

A. A making a PPI claim should improve your credit rating if your loan(s) and or cards are still being paid of because your loan and or credit card balance will be reduced or even paid.

A. Yes of course. We can make a Payment Protection Insurance (PPI) mis-selling claim without your agreement, Blue Sky is unique in being able to do this. We will of course need to write to your lender/finance house for a copy as soon as possible so that we can verify exactly what your lender owes you.

A. Yes of course you can claim back your mis-sold payment Protection Insurance (PPI) and even from loans paid off further back.

A. Yes of course you can make a claim. If your lender is part of your plan they will offset your arrears against the claim and any excess will be sent in a cheque if you have paid all of the outstanding ballance.

A. Yes you can.

A. Yes you can.

A. Yes of course you can and there is nothing the lenders can do to stop you making a PPI mis-selling claim.

A. Yes of course you can. You will need to send a copy of the death certificate along with the claim for mis-selling of PPI the claim forms part of his estate.

A. Don’t cash the cheque, send it to Blue Sky straight away ! The banks are constantly trying to trick our clients by sending wrong or smaller cheques if the you cash the cheque the bank then asumes that the claim is finished. If these cheques are cashed by the clients then Blue Sky are not able to force the lenders back to the table.

A. Never ever speak to the bank about your claim as the bank may try and rip you off again by tricking you. If they call you do not talk to them please contact your claims handler strieght away. Thats our job.

A. Absolutely not. At least making a claim should reduce any debts that you presently have.

A. No, you can still make the claim. Making a claim will of course result in your debts being paid off much more quickly. That being said it would be wise to assess whether a debt management plan is strictly necessary if we are to claim back all your mis-sold PPI and charges. A claim may still get you out of debt.

A. Yes of course. We will need copies of your old bank statements that will cost you £15 for the one account. You can also ring your lender and they will send you a copy.

A. Yes of course Blue Sky are always happy to help friends and family! many clients have allready recomended us.

A. That’s not surprising. Our own staff go through extensive training to enable them to spot Payment Protection Insurance on loans, finance HP and Mortgages so its unlikely that you will find PPI easily. Our home visit team will find mis-sold PPI within a few short minutes and that service is completely free !

A. Yes of course you can! Moneysavingexpert.com is an excellent site however we are experts in claiming back mis-sold Payment Protection Insurance and we always reclaim every penny even you have made an attempt in the past. You may have more to come.

A. Credit card providers start making offers with just a few days and most settlement happen after the first 4 weeks. Most claims are settled in full between 4 and 16 weeks. Remember if they write to you directly just send the corespondace to us.

A. We charge a very modest fee of 35% of the total benefit that you receive for the charges added to your credit and store cards.

A. The answer to this is very complicated! In brief your credit card provider is entitled to charge you a fee for being late making a payment or going over your limit. This fee needs to be an accurate reflection of the cost to the bank. What the banks have been doing is charging £12 to £35 which is far more than it should really cost. To this end we are able to recover all of the fees that they have charged you plus the interest that they added on top.

A. No there is no maximum amount that we can recover for you for unfair charges.

A. We can go back the last 6 years on all credit cards when we are reclaiming unfair charges.

A. We wish we could however your credit card provider will ignore any assistance that we ask for. If you are struggling you could speak to one of our debt councillors as they can often find any number of solution to the issues you have. For example our debt councillors could negotiate lower payments every month and reduce your interest payments to 0. Our debt councillors could also help reduce the amount of creditor calls that you are getting every day and we can put a halt to visiting Bailiffs.

A. Yes of course we can. In fact around 50% of all the work we do is reclaiming back unfair charges unlawfully added to credit cards and store cards past and present.

A. The usual two are, late payment fees and over limit fees that make up the bulk of unlawful and unfair charges levied on credit cards as well as PPI.

A. The answer to this is simple. Absolutely not as all claims are conducted at the customer complaints department many miles away. Does it matter any way - it's probably the clerk at the branch who sold you the loan for a fat bonus.

A. No matter what you do do not cash the cheque as it unlikely to be for the correct amount. Credit card providers trick our clients into accepting a smaller cheque and then can often avoid paying the full amount for your claim. If you receive a cheque please always send the cheque directly to Blue Sky without any delay so we can check it out.

A. Yes of course in most circumstances. If you have a claim of the mis-selling of Payment Protection Insurance (PPI) then this will often stop the claim or repossession against you. Saving that we have an excellent advice team who can possibly help you avoid the repossession.

A. It is vital that you talk to our debt solutions team as soon as you can and they will analyse your present position and help your formulate a plan. Our debt solutions team can then guide your through any solutions that we offer.

A. We would be happy to refer you to discuss your needs with one of our Debt Management specialist partners.

A. Feel free to see the CAB and then call us to discuss your options we are proffesionals and all we do is financial claims.