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I think you may have to input the aside (ticks and text) into dreamweaver directly as naroop could not make the image without fill therefore grey background would stick out. So most prob have to input ticks and text separately.

PPI Claims

UK banks and lenders have set aside 5.5bn for PPI claims, if you have any kind of borrowing make sure you receive your share Have you taken out a loan or credit card in the last ten years? If so you could be owed thousands. You may have been mis-sold Payment Protection Insurance (PPI), even if your loan or credit card has been paid off you can still make a PPI claim. PPI is a policy designed to cover your monthly loan or credit card payments (or a percentage of them) if you cannot meet the payments due to being unable to work. PPI applies to those who cannot work due to illness, injury caused by an accident, or those who have been made redundant. Over the last ten years, loan and credit card providers have routinely mis sold PPI to those for whom the insurance policy is inappropriate. Millions of people who have been affected by mis sold PPI policies are now making PPI claims. For more information and to start your claim simply visit our PPI Claims page.

Investment Claims
If you bought life insurance, savings, pension or endowment policies between after 1988 you may be entitled to compensation, even if the policies concerned are no longer in force We at Policy Claims Company are specialists in reviewing life assurance, investments and pensions products sold between 1988 and approximately 2000 and have in previous cases assisted clients with policies sold prior to 1988.

We offer our clients a completely risk-free opportunity to claim compensation for their life policies and investments, with the average compensation secured being in excess of 2,000. Most of our clients had no idea there was a problem with their policies, investments or pensions before they contacted us. Our experience and knowledge of this niche area and understanding of the Financial Ombudsman Service enables us to raise claims for a high proportion of our clients. For more information and to start your claim simply visit our Investment Claims page.

About Us (page 2)

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PPI Claims
We are specialists in pursuing claims on behalf of our clients for mis-sold financial product such as PPI, life assurance, investments and pensions. We tackle many of the large insurance firms, building societies and loan companies to secure the redress that you are due. On the rare occasions when we are unsuccessful with our initial submissions to the company we also as part of our service take on claims to the Financial Ombudsman Service at no extra charge. It is our commitment to ensure you get back what is rightfully yours and not to accept unfair offers of compensation. We make sure the compensation secured and any interest due is the highest that can be secured. Fees We operate on a clear and transparent No-Win No-Fee basis and make no upfront charges whatsoever. We take nothing from the existing value of our clients policies or investments. Our fee is simply 25% of the compensation and is only charged once the client has received the compensation payment from the company concerned. Our fee structure enables clients to take advantage of our services with no costs or risks and reassures the client we are solely motivated by achieving the best outcome possible. Why Choose Us No-Win No-Fee No upfront or hidden charges Friendly and Efficient Service We get to work straightaway and keep you informed every step of the way Experienced Vast knowledge of the financial claims industry No Hassle Sit back and well do all the hard work for you Start claim now tab Request call back tab

We are regulated by the Ministry of Justice in respect of regulated claims management activities (MOJ number CRM_____). We process all sensitive information in accordance with the Data Protection Act 1988. We are registered Data Controllers and our registration number is ____.

PPI CLAIMS (page 3)

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Payment Protection Insurance Explained

If you have taken out a loan, credit card or mortgage in the last ten years you may have been advised to take out Payment Protection Insurance. The purpose of the insurance is to assist a borrower with meeting the repayments of a loan if they are unable to keep up repayments due to accident, sickness or unemployment. Can I claim? If you can answer yes to any of the questions below then you may be entitled to make a claim: You were told that PPI was compulsory. You were not in full time employment when you took out the policy e.g. unemployed, retired or selfemployed. PPI was sold to you without your knowledge. You werent given full details of the insurance policy. The full cost of the policy was not explained to you. You were not aware that including PPI was optional, or that you could purchase cheaper PPI cover elsewhere. Start claim now tab Request call back tab

If you answered yes to any of the above start your claim now.

INVESTMENT CLAIMS (page 4)

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Investment Mis-Selling
We are specialists in reviewing life assurance, investments and pensions products sold between 1988 and approximately 2000. We offer our clients a completely risk-free opportunity to claim compensation for their policies, with the average compensation secured being in excess of 2,000. Start claim now tab

Request Most of our clients had no idea there was a problem with their policies, investments or pensions before they contacted call back tab us. Our experience and knowledge of this niche area and understanding of the Financial Ombudsman Service enables us to raise claims for a high proportion of our clients. Our product range includes: Whole of Life Plans Savings Plans PEPs ISAs Lump Sum Investments Bonds Free Standing Additional Voluntary Contributions (FSAVCs) Pension Mortgages Pension Transfers .. as well as other plans.

Companies we deal with on a regular basis include: Abbey Life Allied Dunbar Windsor Life Canada Life Phoenix Life Lincoln Financial Group Merchant Investors Group Sun Life Financial of Canada All major high street banks and building societies . as well as many others

If you feel you have a policy that matches our criteria simply complete our start your claim now section and we shall be in touch to advise whether we may be able to assist you.

FAQs (page 5)

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Frequently Asked Questions

As we discussed; have all the FAQs for both PPI and Investments on 1 page.

Payment Protection Insurance (PPI) Investment Mis-Selling

At the top will be both PPI and Investment (aside) with hyperlinks. When user clicks either one it takes the page to the top of that particular section. e.g. if a user hovers over Investment Mis-Selling it will have a hyperlink and if selected the page will shift to the Investment Mis-Selling section.

Payment Protection Insurance (PPI)

What can I claim on? You can claim on PPI - Single Premium Policies. This type of policy is paid for in full and upfront to the insurance company at the beginning of the policy. Most loan companies will finance the full cost of the policy by adding the cost onto your loan. They forget to tell you that you will also be paying interest on that amount at the loan interest rate for the full term of the loan. You can also claim on the monthly PPI premiums that have been added to your credit. Have I been Mis-Sold? Many PPI claims are rejected due to exclusions that may not have been fully explained to you at the time of purchase. Many people who have current medical conditions will be excluded from cover. Self employed, short term contracts and people of certain age limits will also not be covered under many policies. In these circumstances these policies should not have been sold as the insurance is inappropriate to the borrowers wants and needs. Some policies are so full of exceptions or exclusions that borrowers are often unable to make a claim if the worst does happen. Many policies sold to protect the lender simply wont perform when asked to at point of claim and in not doing so just makes large profits for the providers, leaving vulnerable borrowers without protection and further in debt having paid out for expensive PPI premiums. What compensation will I receive? Our primary goal is to return to you money that is rightfully yours and to reduce your outgoings. Your claim will typically result in the recovery of the WHOLE of the PPI premium that has been added to your loan, PLUS the interest, PLUS in some cases statutory interest. Can I still claim if I no longer have the policy? Yes, even if the policy is no longer in place, and the loan or credit card has been repaid, if you feel you were mis-sold, you can still make a claim for compensation and a refund of the premiums paid. You might have had a loan and then consolidated this loan or other borrowings into a single new loan. You can make a claim on all the old loans not just the current loan. Can I see examples of typical claims? Example A Loan amount: 12,000 PPI Premium: 3,800 Interest Rate: 8.8%APR Loan term: 60 months Number of monthly payments made: 60 PPI Interest paid to date: 910 This claim would typically result in a refund of 4,710+ 8% statutory interest of 1,005* Total claim: 5,715 Example B Loan amount: 28,000

PPI Premium: 5360 Interest Rate: 7.55%APR Loan term: 180 months Number of monthly payments made: 72 PPI Interest paid to date: 3588 This claim would typically result in a refund of 3,588 + 8% statutory interest of 946*+ the remaining PPI removed from the loan saving 5,382 in further payments. Total claim:9,916 * In some cases Statutory Interest may not be payable on your claim. These are very basic examples and there are many variables to take into account when assessing the amount of compensation due. Our PPI claims team is an expert at this and will ensure you get the correct compensation rightfully due to you. How long does it take? If its a High Street lender then it will take approximately 60 days to offer although this will vary from Lender to Lender. If it goes to the Financial Ombudsman Service (FOS) then it may take 12-16 months. Cant I just cancel the policy myself? Yes of course you can. However, cancelling a single payment policy can be challenging as typically these policies offer very little in the way of a refund. The insurance companys typical answer is that all the risk is in the early years and therefore the refund may be very small and disproportionate. Some companies will state that the only way to cancel the policy is to refinance and settle the current loan agreement with a new loan without PPI. Some of the lenders will also try and fob you off by telling you that you wont get a new loan at the same interest rate and that the new one may be higher. Can I do this myself? Yes you can. It may be time-consuming and some claimants find the process intimidating. You will need to calculate all the premiums and interest yourself. When you use our service, we do all the work for you. How much does it cost? There are no upfront fees. We will charge you 25% of any compensation recovered for you, including any money removed from your loan. You are entitled to a 14 day cooling off period on purchase of any of our services. What is the service you provide? We will work with you to ensure that you get the correct settlement or refund and any and all fair compensation that may be due to you as a result of mis-selling. We will deal directly with your provider, be it a bank or insurance company and neither we nor our specialist claims team will be fobbed off by them at any stage. If their offer is too low or derogatory and they wont take us seriously we will challenge them on your behalf. There will be little required from yourself by way of input.

Investment Mis-Selling How are you able to claim compensation? All our cases are different and they are assessed individually. Sometimes we can claim because investments were simply unsuitable and they were mis-sold. In other cases, it may be because of technical shortcomings in contracts, regulatory issues or a combination of these factors. We use our knowledge and experience firstly to find the problem and secondly to make a claim effectively. How much could I win? This depends on many factors including how much you have paid in, how long ago you made payments and what kind of settlement is reached. Typically, payments amount to thousands of pounds often many thousands. Is your service really risk-free? Absolutely. We charge no up-front fees and we take nothing from the existing value of your plans. All we charge is a share of the compensation we win for you above the plan value. The compensation is paid to you in full and you settle our invoice at the end of the process. There is no catch. If we win nothing, we charge you nothing. The only condition we make to protect our own position is that if you cancel our agreement with you before we finish, we reserve the right to charge a fee immediately. Can I make a claim on my own? Most definitely, and if it is clear that you know the problem and we do not feel we can add value, we will suggest that you do. However, there are a few things you will need to bear in mind. You will need to know what the problems are (because they are not always what they seem) and you will need to be comfortable to argue your case with a big company or maybe with an Ombudsman. You will also need to make sure your case succeeds first time, because you will probably not be able to raise the matter again. And you will have to be prepared to spend time, maybe quite a lot of time, obtaining and reviewing information, writing letters or making telephone calls to get the matter resolved. If I get compensation, will my policy or investment be cancelled? This will vary from case to case, according to the kind of plan you have, the reason for claiming compensation and the settlement agreed. However, if you need to keep life cover in force, for example because of health complications, this can often be arranged. If I signed something saying my plan was my choice, will this matter? Such statements very rarely alter the requirement to advise you properly and will usually make no difference to our ability to claim. What if the plan has already paid out when it matured or when I surrendered it? There is probably still compensation to be claimed, even if you have already received more than you paid in. Sometimes, if you have made a large gain, we cannot claim more, but every case is different, so ask us and we can tell you Will you share any of my personal information with anyone else? Only with your agreement. You complete an authority so that we can obtain information from the product company and/or adviser and we may need to discuss aspects with them in order to make your claim. Other than that, if we want to refer your case to, for example, an Ombudsman, we will seek your permission first. What if I am unhappy about something? We offer a first-class service and we keep you informed of what is happening so problems very rarely arise. We also seek your written agreement before settling your claim or escalating it beyond the responsible party. If you are unhappy about anything, talk to us and we will resolve it with you as soon as possible. We will always be pleased to hear from you. However, if you feel the need to make a complaint, we have a formal procedure which you can follow by going to the section marked Complaints Procedure.

Contact Us (page 7)

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