Reclaim Wrongly Sold PPI

Uncover if you are owed PPI compensation...

PLEASE NOTE: We are a regulated Claims Management Company who will claim directly on your behalf from your lender(s).

If your claim is rejected we'll appeal through the Financial Ombudsman or the Financial Services Compensation Scheme (FSCS).

We will check all your lending history even though you may not have kept your paperwork.



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Wellbeing Services Ltd Complaints Policy

Wellbeing Services Limited is regulated by the Claims Management Regulator in respect of regulated claims management activities (CRM42459) and you have a right to complain to the Legal Ombudsman if we do not provide a satisfactory response to your complaint within eight weeks of receipt of complaint.

Registered Address: 8 Sheriff Highway, Hedon, Hull, HU12 8HD. Email: wellbeingservices@live.co.uk. Phone: 01482 893 258

If dissatisfied with the service provided by our firm you can make a complaint by any reasonable means (letter, telephone or e-mail). The firm will acknowledge the complaint within two business days of receipt. A Final Response will be issued within eight weeks. If you are dissatisfied with our final response you can contact the Legal Ombudsman and their details are as follows:

Visit www.legalombudsman.org.uk
Call 0300 555 0333 between 8.30am to 5.30pm.
Calls to 03 numbers will cost no more than calls to national geographic numbers (starting 01or 02) from both mobiles and landlines. Calls are recorded and may be used for training and monitoring purposes.
For minicom call 0300 555 1777
Email enquiries@legalombudsman.org.uk

Do not send original documents to the Legal Ombudsman. They will scan any documents you send us to make computer copies and then destroy the originals.

All information provided to the company by the client will be held and controlled in compliance with the provisions of the Data Protection Act 1998.

Terms & Conditions and Privacy Statement

This agreement is a legally binding contract between you and Wellbeing Services Limited. Before you sign, please read the entire document carefully.

Obligations of the Company

1. To act in the best interests of the Client in pursuing any potential claim against any financial institution.

2. To provide the Client with impartial advice on the risks and benefits of pursuing a claim against any financial institution.

3. To advise the Client on the suitability of any offer of settlement on behalf of any financial institution.

Obligations of the Client

1. To provide the Company with full and accurate information and not mislead the Company in any way.

2. To respond to any request from the Company for instructions or further information without delay.

3. To advise the Company of any changes in address details or contact telephone numbers immediately.

Rights of the Company

1. To decide at any time not to pursue the claim, for whatever reason, but to give the Client written notice of same within 5 working days from the date of such decision.

Rights of the Client

1. You may terminate your agreement with Wellbeing Services Limited, in writing, in person, by e-mail, or by telephone. No cancellation fee will be charged if you decide to terminate this agreement prior to the claim being successful. Your claim is deemed successful if we send a letter of complaint and you receive an offer (or any counteroffer) from the lender which you accept.

2. Upon signing the agreement, you will have 14 days to cancel the agreement without any consequence or charge. This can be done by contacting us in writing, in person, by e-mail, or by telephone. This process is known as 'cooling off' and where Wellbeing Services Limited are instructed to do so they will acknowledge that the agreement has been terminated in writing.

3. You acknowledge that once a claim has been upheld and/or you receive any benefit from instructing Wellbeing Services Limited to bring a claim you will be liable to pay the fee as set out below. Termination of this agreement following such success will still incur the appropriate fee as outlined in our Fees and Charges section of this agreement.

4. If you wish to cancel within the 'cooling off' period or at any point prior to receipt of a successful claim then please contact us in writing, in person, by e-mail, or by telephone to notify us accordingly. If you do cancel your claim after we have sent a letter of complaint outside the cooling off period, then our contingency fee will apply if the claim is successful.

Fees and Charges

The company's fees will be 15% of the total financial settlement received from the Client's lender.

Example A: All compensation is "Cash in Hand"

Total Compensation: £3,000.00
Of which Cash: £3,000.00
Fee charged at 15%: £450.00
VAT: £0.00
Total Fee: £450.00
Client Receives: £2,550.00

Example B: Compensation includes "Cash in Hand" award with loan and future instalments reduction

Total Compensation: £3,000.00
Of which Cash: £1,000.00
Loan Reduction: £2,000.00
Fee charged at 15%: £450.00
VAT: £0.00
Total Fee: £450.00
Client Receives: £550.00
Example C: Compensation is used to offset arrears Client has on borrowing

Total Compensation: £3,000.00
Of which Cash: £0.00
Set off arrears: £3,000.00
Fee charged at 15%: £450.00
VAT: £0.00
Total Fee: £450.00
Client Pays: £450.00

Our fee is charged on a successful claim on the total amount of refund obtained. This also applies where an account is in arrears. The amount taken to repay the arrears would also be charged a 15% of the amount. Be advised the 8% compensatory interest is subject to tax and considered a windfall by HMRC.

In the case of a claim for Payment Protection Insurance on a loan or credit card, the client will normally receive the settlement funds by cheque or direct payment into their bank account. Where the loan or credit card is in arrears, the lending institution may decide to use all or part of any refund to reduce the client's indebtedness to them.

In these circumstances the company's fees are based on the total amount of redress awarded to the client.

I am claiming on a Credit Card

If the credit card we have complained about remains open with an outstanding balance, there is a possibility that your redress will be utilised to reduce your balance. We must remind you that our fees are due from any financial benefit received. We therefore expect to receive 15% of the amount by which your debt has been reduced.

Example of Fees

Refund of premiums £200.00
Reduction of card balance £300.00
Total amount recovered £500.00
Our fees on this matter would be £75.00 (15%)

Failure to Pay Fees

If we recover your money and you do not pay our fees, Wellbeing Services Limited have the authority to validate your application details with a Credit Reference Agency. We also reserve the right to perform a trace search on you if you fail to comply with the terms set out in your agreement to assist in recovering our fees.

What happens when the Agreement ends before the case itself ends?

You may terminate your agreement with Wellbeing Services Limited, in writing, in person, by e-mail, or by telephone. No cancellation fee will be charged if you decide to terminate this agreement prior to the claim being successful. Your claim is deemed successful if we send a letter of complaint and you receive an offer (or any counteroffer) from the lender which you accept. When this happens, our fee of 15% will be charged.

If we end the Agreement

The company can end the agreement if you do not keep to your responsibilities outlined above. The company can end the agreement if it believes you are unlikely to win. If we cancel the Agreement, then no fee will be charged.

Important information for you

Wellbeing Services Limited will handle your complaint about your Lender for the potential mis-selling of your Payment Protection Insurance Policy(s). Your Complaint will be submitted to your Bank via our complaint process. If unsuccessful we will (if appropriate) refer your case to the Financial Ombudsman Service for adjudication. We will not use the Court Service and will not risk costing you any money other than our charges, detailed above.

Once you sign the agreement, we will send your complaint to the Bank. After this all you need to do is:

* Provide us with as much information and documents you have about your policy
* Tell us if you move house or change contact details
* Tell us if the Bank contact you directly
* Return to us with any information that we need from you

We will keep you updated frequently (no longer than three months) on the progress of your claim. This will either be via letter or telephone.

If payment is sent directly to you by the bank, you will satisfy our fees within 28 days. Should you be unable to make the full payment within this time the company will offer a repayment plan. Compensation awards may be subject to income tax, further information on this should be sought from your local Inland Revenue office.

Your Policy

If your claim is successful, any PPI attached to the policy could be cancelled which means you would no longer have the PPI cover in place.

Timescales

On average a claim can take between 8-16 weeks from the date the claim is acknowledged by the bank. Please note that any delays to this process may occur if the bank does not investigate your complaint within the allotted time frame.

Also, if the bank rejects your claim your case can be referred to the Financial Ombudsman Service (FOS) in which no time frames can be given.

What Is A Successful Case?

Your claim will be deemed as successful if you are awarded a return of any of the money that you have paid in respect of the PPI Policy. This will be awarded to you via either a lump sum payment, or an amendment of your existing loan term. The payment method adopted will depend on your circumstances. However, please note that should your account be in arrears then there is a possibility that any award will be used to clear these arrears.

PERSONAL DETAILS AND DATA PROTECTION PRIVACY

Our privacy policy covers the PPI Net PPI Claims Website. If you have any comments about this Privacy Policy you can write to us at LeadFair Ltd, Swift House, Ground Floor, 18 Hoffmans Way, Chelmsford, Essex. CM1 1GU.

You also have the right to contact the Information Commissioner about matters relating to how your private data is handled during a wrongly sold PPI claim. Details on how you may do this can be found at www.ico.gov.uk

Privacy Compliance

This privacy policy is compliant with the UK's Data Protection Act (1998), The European Data Protection Directive 95/46/EC and the Organisation for Economic Cooperation and Development's guidelines for privacy policies.

GDPR (General Data Protection Regulations)

The information will be collected with integrity and confidentiality. We have legitimate grounds for collecting data for specified and explicit purposes and the data will not have a negative effect on a person or be used in a way they would not expect. We make it clear why the data is being collected and what will be done with it. Information is available on this webpage as to how the person can contact us to update, change (if inaccurate) or delete their data.

Access To And Removal Of Data We May Hold About You

You can ask us, in writing for details of what personal data we hold about you. Upon receipt of such a written request and proof of your identity, we will provide you with a readable copy of the personal data which we keep about you. We will do this within a month. You have the right to review, correct and delete information from our records. LeadFair Ltd's Data Controller is Robert Brady. You may write to him at LeadFair Ltd, Swift House, Ground Floor, 18 Hoffmans Way, Chelmsford, Essex. CM1 1GU.

Automatic Collection Of Information

We don't automatically log personal data nor do we link information automatically logged by other means with personal data about specific individuals.

The PPI Net Website makes use of cookies. We do not link non-personal information stored in cookies with other personal data about specific individuals and only use them to measure how many people use the site. They can't be used to identify you personally. If you continue without changing your settings, we'll assume that you are happy to receive cookies.

Cookie Policy

By accessing and using this website you are agreeing to the terms of this policy and our privacy policy. Please read this cookie policy and our privacy policy so you understand how we use your information.

What are cookies?

Cookies are small files of letters and numbers. These files are either stored in the memory of your computer or other device such as mobile phones or tablet devices (these cookies are generally known as session cookies) or are placed on the hard drive of your device (generally known as persistent cookies).
Cookies are created when you visit a website that uses cookies. Cookies are commonly used by websites to help the user’s browsing experience and provide more information about the user’s experience and interests. This information is generally used to make content and services more relevant. For more details about cookies and details of how to delete and disable cookies you can visit www.aboutcookies.org and also see our section on more information and turning cookies off below.

How do we use cookies?

Our website uses cookies to help provide you with a good experience and also allows us to improve our website and our services. The cookies that we use only collect anonymous information to optimise our services, and do not collect personal information. Please note that not all the cookies on our sites are set by us. Please see the section below on third party cookies.

What cookies do we use?

The cookies on our websites generally fall into the category of functional and analytical cookies

Functional and analytical cookies

Analytical cookies

Analytical cookies allow us to recognise and to count the number of visitors to our website, to see how visitors move around the website when they are using it and to record which content viewers view and are interested in This helps us to improve the service which we offer to you by helping us make sure our users are finding the information they are looking for.

Functional cookies

Functional cookies relate to the functionality of our websites and allow us to improve the service we offer, for example: by allowing you to carry information across pages of our website to avoid you having to re-enter information. by enabling us to serve the appropriate regionalised service relevant to you.

What functional and analytical cookies do we use?

We have set out below the main functional and analytical cookies that we use. We use cookies which are operated on our behalf by the organisations listed below to help us deliver our services

Organisation setting the cookie

Name of Cookie

What does it do

Cookie Expiration

Google Analytics

_utma
This cookie helps us determine the number of unique visitors to our website
730 days (two years)
Google Analytics

_utmz
This cookie helps us determine the referral method for people visiting our website. This helps us to analyse the traffic arriving at our website and to determine which are the most popular routes (e.g. direct, search engine search, email link).
182 days (six months)
Google Analytics

_utmb
We use this Google Analytics cookie to help us to record the length of individual sessions from our users on our website. Each time you move to a new page within our website within 30 minutes of arriving the cookie updates so that we know that you are still actively using our website within a single session.
Less than one day (when you close the browser window)
Google Analytics

_utmc
Similar to _utmb, we use this Google Analytics cookie to help us record the length of individual sessions on our website.
1825 days (five years)

How do I turn cookies off or delete cookies?

You can block most cookies (except for Flash cookies) by activating the setting on your browser that allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our sites, or you may experience reduced functionality when accessing certain services. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies as soon you visit our website.

Cookies for advertising

We have implemented and using Google Display Advertising, so we can implement Google Remarketing to advertise online. Third-party vendors, including Google, show our ads on sites across the internet. We and third-party vendors, including Google, use first-party cookies (such as the Google Analytics cookie) and third-party cookies (such as the DoubleClick cookie) together to inform, optimise, and serve ads based on your past visits to this website. We have enabled Google Analytics to collect data about our traffic using the DoubleClick cookie. This logs when users view specific pages, allowing us to provide targeted advertising in the future. This is in addition to data collected through standard Google Analytics. You can opt-out of Google Analytics for Display Advertising and customise Google Display Network ads using the Ads Preferences Manager (opens in new window).

USE OF SITE AND SITE SERVICE

Use of the PPI Net PPI claims ("we", "us", "PPINet.co.uk") website ("the site") constitutes acceptance of the PPI Net PPI claims Website PPI User Agreement ("the agreement") and Terms and Conditions of Use ("terms"). This is our website standard terms upon which we intend to rely. For your own benefit and protection you should read these terms carefully. If you do not understand any point please ask for further information.

If you do not agree to all the terms and conditions on this page, please do not use this website. Use of any internal or external links on the PPI Net PPI claims website constitutes acceptance of the terms on this page. If you do not agree with these terms, please exit this site by closing the browser window.

The terms "PPI Net PPI claims", "PPINet.co.uk" encompass the PPI Net PPI claims Internet Site and Marketing Communications.

Availability Of Service

We do not warrant or guarantee that the PPI Net PPI claims website will be uninterrupted or error-free.

Links And Site Content

The PPI Net PPI claims website do not make any warrant or guarantee, either expressed or implied as to the accuracy, validity, completeness, suitability, reliability, or currency of any information content or links to news within its site or sites to which it is linked to. Links to other websites are provided solely as a resource guide and do not represent an endorsement or guarantee, either expressed or implied. The PPI Net PPI claims website does not assume any liability for any of the products, services, or data of any other sites. It is the responsibility of the user to evaluate the information, opinion, advice, or other content contained within the site. We cannot be held responsible or liable for any loss or damage due to reliance on information obtained through the PPI Net PPI claims website.

Disclaimers

Bearing in mind that this is a free "public access" site, it is a condition of use of the site and the materials in it that use is at the user's own risk. We give no representation or warranty as to the accuracy of the content of the site and assume no responsibility for errors or omissions in it or the effect it has upon your computer. We disclaim all liability in respect of such information and its provision. PPI Net PPI claims nor any of the site's administraters, editors or contributors shall be liable for any loss or damages suffered as a result of any use of the site, including but not limited to direct loss, consequential loss and loss of profits. We do not assume, and therefore disclaim, any liability for any loss or damage caused by errors or omissions. Personal information sent to PPI Net PPI claims UK is at the senders own risk.

Severance

If a term, covenant, provision, or condition of this agreement becomes, or shall be held by any court of competent jurisdiction to be against public policy or illegal, all remaining provisions of this agreement shall remain in full force and effect and unaffected, impaired or invalidated by this decision. The invalidated item shall be modified by the parties to the full extent possible to carry out all the intentions and directives stated in this agreement.

Variation

Whilst it is not our intention to do so, the operators of the PPI Net PPI claims Website reserve the right to change its policies and terms at any time. Any such changes will be posted on this page.

Transparency

The PPI Net website is a wrongly sold PPI Claim introduction service provided by LeadFair Ltd. The PPI claim adviser who contacts you will be from a third party claims management company. This independently owned website acts as an advertising and marketing vehicle to attract passive PPI claim enquiries from people that are proactively searching to claim PPI compensation using search engines or directories on the internet, and pass on such enquiries for a fee, but free to the searcher, to Claims Management Companies who are regulated by the Claims Management Regulator in respect of regulated claims management activities.

PPI Net is not associated with other companies or websites who own or trade under similar sounding names or with similar design. © Content Copyrighted.
If you do not agree to all the terms and conditions on this page, please do not use this website. Use of any external or internal links on the PPI Net PPI claims website constitutes acceptance of the terms on this page. If you do not agree with these terms, please exit this site by closing the browser window.

Governing Law

Any such contract will be interpreted, construed and enforced in all respects in accordance with the laws of England, and you and PPI Net PPI claims irrevocably submit to the non-exclusive jurisdiction of the English Courts.

You consent that this agreement shall be subject to the laws of England and Wales and all disputes will be handled solely in the United Kingdom. The PPI Net PPI claims website is controlled and operated from offices in the United Kingdom and makes no representations or warranties that its content or use is legal in other locations.