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How Writefully Yours can help with your claim
Your options once your money arrives
No win, no fee*

What is PPI?

Payment Protection Insurance (PPI) is usually sold alongside loans, mortgages, credit cards or any other financial agreements as cover in cases of accident, sickness and unemployment where you can no longer afford to repay your lender. If something happens to stop you being able to make your payments, PPI can cover them for a set period of time.

However, in many instances people have been mis-sold this type of insurance, leaving them unable to claim against it, or even unaware they’d bought it in the first place.

In 2011 a ruling by the High Court - now fully accepted in the industry - means that banks must pay back mis-sold PPI along with any interest earned on premiums. This has left well over a million customers in a position to reclaim sums of money that can total thousands of pounds each.

At Writefully Yours we’ll help you find out how much you can reclaim from mis-sold PPI, and our professional, friendly staff will work for you at every step of the journey.

If you believe that you might have been mis-sold PPI on a loan, mortgage or credit card, click here to learn about the steps of the claim process.

Reclaim today »


If you've got a question about the PPI claims process, you may find the answer here in our Frequently Asked Questions. If not, feel free to give us a call on 0800 954 6547:

What is PPI mis-selling?

PPI mis-selling is when you’ve been incorrectly sold a PPI policy.

In some cases the lender has encouraged the sale of a policy when it doesn’t meet your needs, for example people who have long term illnesses, or who are unemployed or retired. This means that you’re paying for a policy that can never pay out as it isn’t applicable to your situation.

Sometimes mis-selling occurs when you’ve been told you have to take out a PPI policy, or that it will improve your chances of being approved for a loan. In some cases, the PPI has even been added to the loan without your consent. All these situations are clear cases of PPI mis-selling.

I’m not sure if I had PPI?

Many loans and credit cards taken out have included some form of PPI.

Look at the paperwork sent to you at the time you took out your loan, credit card, mortgage or finance agreement to see if you’ve paid PPI or not. Sometimes it's included on your statements and might be listed as 'Payment Protection Insurance', 'Loan Protection Cover', 'Card Protection Cover' or something similar.

If you still aren’t sure or you haven’t kept the paperwork, you can also contact your lender or finance provider to ask. Even if it doesn’t confirm it, it’s still worth giving us a call to see if we can help.

I don't have my PPI policy number. Can I still make a claim?

Yes. Just provide us with as much information as you can about your account including any documentation, and we’ll contact the lender to find the PPI policy number for you.

Can I make more than one claim?

Yes, most people make several claims as they’ve had different loans and credit cards with PPI attached. At Writefully Yours we make sure we recover payments from all applicable lenders, where PPI has been mis-sold.

How long will it take?

The time taken to claim back PPI depends on the case. As each different claim varies by lender, we’ll be able to give you a more likely time frame when we know more about your situation.

Once we lodge your complaint your lenders have 8 weeks to reply to us. Each case is different and the payout time will vary depending on when you took out the loan or credit card, what paperwork you have and how quickly the lender or insurance provider replies.

The sooner you start the process by getting in touch with us, the sooner you'll receive your refund if your claim is successful.

How much will it cost me?

We operate on a ‘no win, no fee’* basis and as long as you don’t decide to cancel your claim when it’s still ongoing, we won’t charge you a penny unless your claim is successful. If we do win your claim our fees are 30% plus VAT.

Example A – if the total amount you receive comes to £3,000, Writefully Yours would be paid £900 in fees; VAT would be £180 and you would receive £1,920. This money would be yours to spend on whatever you want.

Example B – if your account is in arrears or you’re in a debt management plan with the same lender, it’s likely that any payment from a claim would be used by the bank/building society to pay off the debt. If the total amount you receive comes to £3,000, the full amount will be offset on your outstanding debts. You would still need to pay Writefully Yours £900 in fees and VAT of £180.

What will I have to do?

Call 0800 954 6547 and speak to one of our friendly advisers. They'll tell you in minutes whether they think you may have a claim.

We'll then send you a pack that will contain our Terms of Business, which you should read carefully and keep, and a Letter of Authority for you to sign. A Letter of Authority authorises us to act on your behalf. Send the signed letter back to us in our pre-paid envelope along with copies of any documents that are relevant to your claim, email us any supporting electronic documents (our adviser will discuss this with you), and we'll take care of the rest.

Sit back and relax. We’ll be doing all we can to win your claim.

My loan has been paid off, can I still claim?

It doesn't matter if your loan has already been repaid – if the PPI policy was mis-sold you’re entitled to make a claim. It simply means that if the claim is successful you’ll receive the claim in cash.

Please note, as banks aren’t legally obliged to keep records of accounts over 6 years old, the process may be slightly more difficult for claims on loans from before this time.

My claim is in progress but I have additional information to support it, what should I do?

Any information you have will help us with your claim. Get in touch as soon as possible so we can include the new information in our review. We will ask you to forward the relevant documentation, including any electronic copies.

Call us on 0800 954 6547.

Will this claim affect my relationship with the lender while I am still their customer?

It would be unethical for your relationship with a lender to change just because you claim to have been mis-sold PPI and requested a refund.

The Financial Conduct Authority's “Treating Customers Fairly” principle, and the Banking Code, ensure that any offer you receive will be made without prejudice.

Will making a PPI claim affect my credit rating?

No. Making a PPI claim won’t affect your ability to obtain future credit or any existing credit you may have.

Who are you regulated by?

Allixium Limited trading as Writefully Yours is regulated by the Claims Management Regulator in respect of regulated claims management activities. Our registration is recorded on the following website:
Address: 57-60 High Street, Burton on Trent, Staffordshire DE14 1JS.

If I am in a debt management solution, or in arrears with the lender, can I still make a claim?

If you're in a debt management solution or you’re in arrears, it's likely that any refund you receive from a claim would be used towards paying off the debts if with the same lender.

Your arrears would be reduced. However if your claim award doesn’t completely cover your arrears you may not receive any cash payout, and our fees of 30% plus VAT would still be payable.

My lender is withholding money due to an alternative policy being available. Why is this?

This could be due to Comparative or Alternative Redress.

For example, when you took the loan or credit card out, there may have been an option for a cheaper form of protection.

If this is the case, it means that your lender has decided that you might have taken out the cheaper policy for your loan or credit card. It’ll then work out how much you would have paid for the cheaper insurance product at the time (this is based on what the regulator has set out) and then refund the difference.

If you’ve received a letter from a lender outlining the above, then please call us on 0800 954 6547 so we can advise you further.

How can I pay my fees?

Your fees can be paid by the following methods:

You can pay by card – just give us a call us on 0800 230 0111

Cheque/postal order - send us a cheque or postal order made payable to Writefully Yours

Post to: Writefully Yours
Fairclough House
Church Street

Bank Transfer to our account:

Writefully Yours
Sort code: 160018
Bank Account: 10920579
Quoting your Writefully Yours reference number

If you are having difficulty paying your fees give us a call on 0800 230 0111 and we will be able to discuss your options.

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