I am HAPPI Blog

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Payment Protection Insurance (PPI) claims are the main source of complaint to the Financial Ombudsman. PPI was often sold with a loan or credit card to protect the borrower if they fell ill or lost their job and was unable to repay the loan. However due to the fact that this type of insurance was often mis-sold, the borrower simply purchased a very expensive piece of paper that was... Read more
There are many Payment Protection Insurance (PPI) claims we are undertaking where many of our clients did not even know they had this expensive PPI policy. There are many reasons why this could of occurred, but unfortunately regardless of the reasons, the lender or bank should have made it perfectly clear that PPI was to be added on top of the loan and the costs of Payment Protection Insurance... Read more
Lloyds TSB Payment Protection Insurance reclaims have been popular with our clients. Lloyds TSB, amongst other major and not so major lenders have been selling Payment Protection Insurance (PPI) in conjunction with a personal loan.  The personal loan can be secured or unsecured.  It does not matter.   A Lloyds TSB PPI claim often arises when Lloyds TSB staff that sold the... Read more
Barclays Payment Protection Insurance reclaims have been popular with our clients. Barclays, amongst other major and not so major lenders have been selling Payment Protection Insurance (PPI) in conjunction with a personal loan.  The personal loan can be secured or unsecured.  It does not matter.   A Barclays PPI claim often arises when Barclays staff that sold the Barclays... Read more
The first thing you need to do when claiming back PPI is check your loan agreement, credit card statement or mortgage paperwork and see if you see that you have Payment Protection Insurance (PPI). If so, the next thing to do is contact us, a firm of PPI claims solicitors, and we will do the rest. However, you can still claim back PPI even if you have lost your credit agreement, paid off your... Read more
It's estimated a staggering £9billion is due in refunds and ­compensation and so far just over half of that, £5.4bn, has been paid out since January 2011. Read more now on The Mirror website. Not Sure About I AM HAPPI Solicitors? I AM HAPPI Solicitors offers friendly payment protection insurance help. There is no legal jargon just straight forward PPI claim advice. Our PPI claim back... Read more
We have compiled a list of the 6 most common mis-sold payment protection PPI claims. It is estimated that the PPI insurance sales amount to £4bn a year.  If you fit into any of the following criteria you may be rightly entitled to claim back your money. 1.    Pressurised Sales If you were told that the PPI policy was compulsory to take out in order to receive the loan... Read more
There are many PPI claims we are undertaking where many of our clients did not even know they had this expensive PPI policy. There are many reasons why this could of occurred, but unfortunately regardless of the reasons, the lender or bank should have made it perfectly clear that PPI was to be added on top of the loan and the costs of PPI. It is important that it is clear to the borrower that... Read more
First Plus PPI claims (First Plus are owned by Barclays PPI) are in the news again.  People may remember First Plus by their adverts on TV fronted by Carol Vorderman. The Guardian has reported on another case where First Plus in are the news again: Dubious credit insurance was worth millions to the banks. In 2001 Barclays was making 10% of its global profits from the sale of PPI policies in... Read more
What I am Happi Solicitor will look for in a PPI claim In making a PPI claim we shall look at all the circumstances of how the PPI was sold to see if you could make a PPI claim. In particular:- Did they undertake a fact find or demands and needs assessment – in short was the PPI suitable for you. The type of documentation produced at the time How the loan agreement was drawn... Read more