Frequently Asked Questions

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How Can Solicitors Work For Free?

We are only paid by results. As I AM HAPPI Claim Solicitors we work for free if you do not get any benefit from our work. To put it more simply NO WIN NO FEE on PPI refunds claims means that you don't have any financial worries. It is not necessary for you to go to a "middle man" or a "PPI claims company".

If you win you pay I AM HAPPI from your winnings.  It's  that simple. Go to SOLICITORS DIRECT.

No hidden charges

There are no hidden charges with us. As PPI claims solicitors we offer a no win no fee service and if you win we simply charge you a fee of 25% plus vat.*  For that fee you instruct a professional advisor and have on your side specialist ppi claim solicitors with all the security and peace of mind that your ppi claim is dealt with by professionals, in confidence and that your sensitive personal data like bank account details are held securely and NEVER SOLD TO THIRD PARTIES etc.

*Vat at the current rate and a £50 plus vat administration fee (payable only if you win, in all cases)

*STOP PRESS*

People are now claiming back mis-sold PPI from Banks and Lenders such as Lloyds PPI claims, Barclays PPI claims, First Plus PPI claims, HSBC PPI claims and many more. In May 2011, Banks and Lenders have put aside £Billions to refund PPI back to customers.

If you believe you have a PPI claim, please complete our PPI Claim Form.

CLAIM BACK PPI NOW… CONTACT US or CALL US ON 0800 011 275.

STILL NOT SURE?

Please read our PPI Testimonials and read our PPI No Win No Fee Guarantee. Quite simply you have nothing to lose by instructing professional PPI Solicitors as we are only paid if we win and there are NO UP FRONT CHARGES.

I am HAPPI is the trading name of R James Hutcheon Solicitors regulated and authorised by the Solicitors Regulation Authority, SRA Registration Number 426885.

Should I Go To A Claims Company?

I AM HAPPI: We are specialist PPI Claim Solicitors.  We note that consumers have a a free choice as to however you want to handle a PPI claim. We stress that it is important that if you are put off by going to a Solicitor direct becasue of cost, you can be assured that our costs are low and competitive.  We offer a NO WIN NO FEE solution to claiming back your PPI so you have nothing to lose. In addition you can be assured of professional advice with the full protection afforded to you by going to a Solicitor direct.

Solicitors, like Doctors spend many years studying to qualify and are fully regulated by the Solicitors Regulation Authority.  A Claims Company can be set up in a matter of a few months.

In any event many Claims Companies will refer your case back to Solicitors to help them run PPI claims.

I am HAPPI is the trading name of R James Hutcheon Solicitors regulated and authorised by the Solicitors Regulation Authority, SRA Registration Number 426885.

BE CONFIDENT ABOUT YOUR CONFIDENTIALITY

When making a PPI claim go to specialist PPI Solicitors Direct. Your details are confidential and protected by legal privilege.  Your sensitive personal information will not be sold to any third party.  Your sensitive personal information such as bank account numbers will be kept confidential even after your claim has ended.  When you instruct a Claims Management Company to make a PPI claim you will have to disclose very personal and sensitive material, can you be sure your information is safe? Please remember that Claims Management Compaies are Regulated by the Ministry of Justice are NOT SOLICITORS. Please do not be confused. WE NEVER ASK FOR UP FRONT CHARGES.

NO UP FRONT CHARGES

One of the points of concern is that some Claims Companies ask for up front charges.  I AM HAPPI would ask you to be wary of is the "Initial Up-front Charge."  some Claims companies may charge to look into your PPI claim.  I AM HAPPI however, never ask for any up front fee from you.

If you believe you have a PPI claim, please complete our PPI Claim Form.

CLAIM BACK PPI NOW… CONTACT US or CALL US ON 0800 011 275.

STILL NOT SURE?

Please read our PPI Testimonials and read our PPI No Win No Fee Guarantee. Quite simply you have nothing to lose by instructing professional PPI Solicitors as we are only paid if we win and there are NO UP FRONT CHARGES.

Do I Have To Pay You Any Up Front Fees?

Absolutely and completely none. We never charge you any up front fees for your PPI claim unlike some Claims management companies. The majority of the time our clients don't have the finances to pay any up front fees and we certainly don't want to take any money off them, we don't need to.

*STOP PRESS*

People are now claiming back mis-sold PPI from Banks and Lenders such as Lloyds PPI claims, Barclays PPI claims, First Plus PPI claims, HSBC PPI claims and many more. In May 2011, Banks and Lenders have put aside £Billions to refund PPI back to customers.

If you believe you have a PPI claim, please complete our PPI Claim Form.

CLAIM BACK PPI NOW… CONTACT US or CALL US ON 0800 011 275.

STILL NOT SURE?

Please read our PPI Testimonials and read our PPI No Win No Fee Guarantee. Quite simply you have nothing to lose by instructing professional PPI Solicitors as we are only paid if we win and there are NO UP FRONT CHARGES.

What Can I Claim?

I AM HAPPI, HAPPI CLAIMS, As we are your solicitors we can claim back the payment protection insurance (PPI) and also the interest you have paid. It is in your interest to claim back your PPI at it will cost you nothing even if you do not get any PPI back.

INSTANT PPI CALCULATOR

We have devised a simple PPI claims calculator for all types of personal loans mis-sold with ppi. The Banks have announced in May 2011 following the substantial failure in the High Court not to challenge the FSAs review on how Banks should have sold PPI ppi mis-selling on a vast scale.  The banks are now beginning to “apologise” for their role in mis-selling payment protection insurance.

How Much PPI Can I Claim?

Legally if have been mis-sold PPI you can claim the cost of the PPI policy plus all interest and costs.  In effect to put you back into the same financial position as if you had not taken out ppi with the loan.

CLAIM BACK PPI NOW

CLAIM FORM

CONTACT US

How Much Is the Average PPI Pay Out?

PPI claims are averaging around £2,000 to £3,000 refunds.  Every case is individual, so for instance in one case, we recovered over £34,000 on a Picture Loan ppi claims. From our calculations, as a rough and ready guide, the ppi reclaim amount is about 15% to 30% of the loan valuation.  So, if your LOAN is £5,000 your PPI REFUND could be in the region of £1,000.

Below is a simpe ready reckoner based on an average 20% PPI to loan valuation.

PPI CALCULATOR*

[Left hand Column = Amount Borrowed:  Right Hand PPI Re-Claim].

£5,000 = £1,000 ppi claim CLAIM FORM

£6,000 = £1,200 ppi claim CLAIM FORM

£7,000 = £1,400 ppi claim CLAIM FORM

STOP PRESS

HBOS PPI, First Plus PPI claims: HBOS PPI Claims, Blackhorse PPI Claims, HBOS PPI Claims, Collectively the banks and lenders are said to have put aside £10 Billions to pay out PPI mis-sold policies.

Claim back ppi from First Plus now, don't wait, demand what is yours from HBOS. 

CLAIM FORM

CONTACT US

TEL: 0151 431 0548 (land line) or FREEPHONE 0800 011 2757

STILL NOT SURE?

Please read our PPI TESTIMONIALS and read our PPI NO WIN NO FEE GUARANTEE. Quite simply you have nothing to lose by instructing professional PPI SOLICITORS as we are only paid if we win and NO UP FRONT CHARGES.

I am HAPPI is the trading name of R James Hutcheon Solicitors regulated and authorised by the Solicitors Regulation Authority, SRA Registration Number 426885.

How Can The Loan Be Written Off?

When you take out a new loan for a new car or various other reasons, there are very strict financial regulations which the money lenders and banks have to appreciate. The interest rate applied (APR), total charge for credit and the total amount payable, are just to name a few of the regulations.

  • Payment protection insurance (PPI) has been hugely mis-sold to customers all over the country. A major example of this would be that Alliance-Leicester was fined a massive £7 million for breaches of this policy.
  • As specialists in payment protection insurance claims, we will analyse your claim and all the relevant paper work extremely carefully for errors or mistakes and any form of evidence leading to mis-selling.
Can I Really Have My Loan Written Off?

As responsible I AM HAPPI Solicitors we must stress that to write off your loan is very difficult and quite rare.  Many Companies say they can write off your loan, but be very careful.  These type of Companies ask you to pay an upfront fee.  You may lose money rather than get your PPI Claims resolved in your favour.

However you may have the loan written off but the Consumer Credit Act must apply to your loan. Providing that the bank or money lender has mis-sold the PPI policy or has even not completed the relevant paperwork correctly you maybe entitled to a pay out or windfall.  However if you fail to pay it back due to a legal point, the lender may affect your credit rating.

*STOP PRESS*

People are now claiming back mis-sold PPI from Banks and Lenders such as Lloyds PPI claims, Barclays PPI claims, First Plus PPI claims, HSBC PPI claims and many more. In May 2011, Banks and Lenders have put aside £Billions to refund PPI back to customers.

If you believe you have a PPI claim, please complete our PPI Claim Form.

CLAIM BACK PPI NOW… CONTACT US or CALL US ON 0800 011 275.

STILL NOT SURE?

Please read our PPI Testimonials and read our PPI No Win No Fee Guarantee. Quite simply you have nothing to lose by instructing professional PPI Solicitors as we are only paid if we win and there are NO UP FRONT CHARGES.

Should I refuse To Pay The Loan?

In short, I AM HAPPI Solicitors claims the answer is "no" as there are no guarantees to claim back the PPI re-claim. Whilst I AM HAPPI will advise you of your chances of success we strongly recommend that you continue to keep up your repayments to avoid any adverse credit rating againsts you.

*STOP PRESS*

People are now claiming back mis-sold PPI from Banks and Lenders such as Lloyds PPI claims, Barclays PPI claims, First Plus PPI claims, HSBC PPI claims and many more. In May 2011, Banks and Lenders have put aside £Billions to refund PPI back to customers.

If you believe you have a PPI claim, please complete our PPI Claim Form.

CLAIM BACK PPI NOW… CONTACT US or CALL US ON 0800 011 275.

STILL NOT SURE?

Please read our PPI Testimonials and read our PPI No Win No Fee Guarantee. Quite simply you have nothing to lose by instructing professional PPI Solicitors as we are only paid if we win and there are NO UP FRONT CHARGES.

What Loans Do You Consider?

I AM HAPPI

As we are specialsit PPI Claim Solicitors we deal with the majority of credit agreements such as, personal loans, car loans, and even mortgage payments.  Nothing should hold you back to make a PPI claims now.

*STOP PRESS*

People are now claiming back mis-sold PPI from Banks and Lenders such as Lloyds PPI claims, Barclays PPI claims, First Plus PPI claims, HSBC PPI claims and many more. In May 2011, Banks and Lenders have put aside £Billions to refund PPI back to customers.

If you believe you have a PPI claim, please complete our PPI Claim Form.

CLAIM BACK PPI NOW… CONTACT US or CALL US ON 0800 011 275.

STILL NOT SURE?

Please read our PPI Testimonials and read our PPI No Win No Fee Guarantee. Quite simply you have nothing to lose by instructing professional PPI Solicitors as we are only paid if we win and there are NO UP FRONT CHARGES.

I am HAPPI is the trading name of R James Hutcheon Solicitors regulated and authorised by the Solicitors Regulation Authority, SRA Registration Number 426885.

Do I Need A Copy Of The Contract?

I AM HAPPI,

it is not essential that you obtain a copy, it would make it easier for us but because I AM HAPPI are specialists in payment protection insurance we will obtain a copy of the credit agreement from either the bank or the money lender.  We will do all this for you to claim back ppi.

*STOP PRESS*

People are now claiming back mis-sold PPI from Banks and Lenders such as Lloyds PPI claims, Barclays PPI claims, First Plus PPI claims, HSBC PPI claims and many more. In May 2011, Banks and Lenders have put aside £Billions to refund PPI back to customers.

If you believe you have a PPI claim, please complete our PPI Claim Form.

CLAIM BACK PPI NOW… CONTACT US or CALL US ON 0800 011 275.

STILL NOT SURE?

Please read our PPI Testimonials and read our PPI No Win No Fee Guarantee. Quite simply you have nothing to lose by instructing professional PPI Solicitors as we are only paid if we win and there are NO UP FRONT CHARGES.

I am HAPPI is the trading name of R James Hutcheon Solicitors regulated and authorised by the Solicitors Regulation Authority, SRA Registration Number 426885.

How Long Does It Take?

Prior to the High Court Test case, the time to take to claim back PPI was about 2-3 months.

As there is now a backlog of claims, it is estimated that the average time it takes to settle a payment protection insurance claim is usually around 6-9 months. However, due to each case being different there can be no exact time limit with these claims.

*STOP PRESS*

People are now claiming back mis-sold PPI from Banks and Lenders such as Lloyds PPI claims, Barclays PPI claims, First Plus PPI claims, HSBC PPI claims and many more. In May 2011, Banks and Lenders have put aside £Billions to refund PPI back to customers.

If you believe you have a PPI claim, please complete our PPI Claim Form.

CLAIM BACK PPI NOW… CONTACT US or CALL US ON 0800 011 275.

STILL NOT SURE?

Please read our PPI Testimonials and read our PPI No Win No Fee Guarantee. Quite simply you have nothing to lose by instructing professional PPI Solicitors as we are only paid if we win and there are NO UP FRONT CHARGES.

I am HAPPI is the trading name of R James Hutcheon Solicitors regulated and authorised by the Solicitors Regulation Authority, SRA Registration Number 426885.

How Do I Claim?

If you have been mis-sold payment protection insurance then you can call us for a confidential and FREE chat on 0800 011 27 57.  You can also visit our online chat or complete the online HAPPI CLAIM FORM

*STOP PRESS*

People are now claiming back mis-sold PPI from Banks and Lenders such as Lloyds PPI claims, Barclays PPI claims, First Plus PPI claims, HSBC PPI claims and many more. In May 2011, Banks and Lenders have put aside £Billions to refund PPI back to customers.

If you believe you have a PPI claim, please complete our PPI Claim Form.

CLAIM BACK PPI NOW… CONTACT US or CALL US ON 0800 011 275.

STILL NOT SURE?

Please read our PPI Testimonials and read our PPI No Win No Fee Guarantee. Quite simply you have nothing to lose by instructing professional PPI Solicitors as we are only paid if we win and there are NO UP FRONT CHARGES.

I am HAPPI is the trading name of R James Hutcheon Solicitors regulated and authorised by the Solicitors Regulation Authority, SRA Registration Number 426885.

How much PPI can I claim back?

Legally, if you have been mis-sold PPI you can claim the cost of the PPI policy plus all interest and costs. In effect, this aims to put you back into the same financial position you would have been in if you had not taken out PPI with the loan.

If you believe you have a PPI claim, please complete our PPI Claim Form.

CLAIM BACK PPI NOW… CONTACT US or CALL US ON 0800 011 275.

How Much Is the Average PPI Pay Out?

PPI refund claims are averaging around £2,000 to £3,000. Every case is individual, so for instance in one case, we recovered over £34,000 on a Picture Loan PPI Claim. From our calculations, as a rough and ready guide, the PPI reclaim amount is about 15% to 30% of the loan valuation. So, if your loan is £5,000 your PPI refund could be in the region of £1,000.

Below is a simple ready reckoner based on an average 20% PPI to loan valuation.

PPI CALCULATOR*

[Left-Hand Column = Amount Borrowed: Right-Hand PPI Re-Claim].

 £5,000 = £1,000 PPI claim CLAIM FORM

£6,000 = £1,200 PPI claim CLAIM FORM

£7,000 = £1,400 PPI claim CLAIM FORM

£8,000 = £1,600 PPI claim CLAIM FORM

£9,000 = £1,800 PPI claim CLAIM FORM

For the full list of our ppi calculator visit here:  PPI CALCULATOR

What is the percentage fee charged if the claim is successful?

We only get paid by results -

The beauty about our service is that you only pay us if you recover money either by a refund or the loan being written off.  Quite simply we are only paid by results, as you pay us nothing if you are not financially better off by bringing a claim.  You really do not have anything to lose. 

You could be entitled to £thousands in mis-sold payment protection insurance all under a no win no fee basis, and it’s now even easier to obtain back PPI than before.  We have an excellent record claiming back PPI from only a few £hundred to our biggest PPI refund of over £34,000.

Genuine Solicitors

Please do not confuse us with claims management companies (CMCs).  CMCs are not Solicitors even though they are regulated by the Ministry of Justice.  CMC may not have legally trained personnel or the protection and confidentially offer by Solicitors.  If you are unsure, please always ask the company you are dealing with if they are indeed specialist solicitors or not.  It is easy to check by visiting the Solicitors Regulation Authority web site to see if the company is registered by the SRA.

No hidden charges

There are no hidden charges with us.  As PPI claims solicitors we offer a no win no fee service and if you win we simply charge you a fee of 25% plus vat.* For that fee you instruct a professional advisor to have on your side, specialist PPI claim solicitors with all the security and peace of mind that your PPI claim is dealt with by professionals, in confidence and that your sensitive personal data like bank account details are held securely and NEVER SOLD TO THIRD PARTIES etc.

*Vat at the current rate and a £50 plus vat administration fee (payable only if you win, in all cases)

Quite simply, every client who makes a PPI claim has nothing to worry about and everything to gain.  A complete piece of mind to claim your PPI money back with no worry and with the added advantage of bringing your PPI claim with a Professional Firm of Solicitors.