Bank Fair Legal

Your claim is in the hands of experts!

For years Bank Fair Legal has been recognised as a leading claims management company, with its UK call centre based in Wales. Now with thousands of clients and one third of our customers referred to us from happy existing clients, the company prides itself for its unique, affordable and reliable service. Our highly competitive service fees and speedy turnaround make sure our customers are better off in their pockets.

We are authorised and regulated by the Ministry of Justice in respect of regulated claims management activities. You can find our credentials at the Ministry of Justice Website

Payment Protection Insurance was mis-sold to you if:

You answer yes to any of the following:


• Optional: It was not made clear to you that the insurance was optional.
• Exclusions: You were not told about significant exclusions under the policy – for example, that you won't be covered for any pre-existing medical condition.
• Interest: The adviser did not make it clear that the insurance cost would be added to the loan and you would be paying interest on it (if you were sold single premium PPI).
• Expiry: If the adviser failed to tell you that the PPI cover would run out before the loan was paid off (if this was the case).
• Advice: If you bought PPI after 14 January 2005 and the adviser tried to persuade you to take it out by saying something like 'we strongly recommend that you consider taking out PPI'. If so, the sale counts as an 'advised' sale and they should have issued a statement to show why a policy is suitable for you.
• Not notified: PPI was added to your loan or mortgage without you being told.

Why most policies are useless

Unfortunately for consumers, millions of PPI policies were mis sold and many of them would have been useless and a waste of money to their policy holders if called upon. For this reason, in April 2011 the High Court in the UK ruled against the banks and in favour of the consumers, leaving the lenders with no alternative but to refund all premiums charged with associated interest – with an additional 8% statutory interest.

Despite the decision going against the banks they have yet to contact millions of their customers to notify them that they are owed money which was wrongfully taken from them. Start your reclaim today before it’s too late.

• Mis-selling: Many consumers have been sold policies they can never claim on. The self-employed and students, for example, often can't claim
• PPI cover runs out: Before it was banned by the Competition Commission, single premium PPI (SPPPI) was often added as an upfront lump sum to your loan. Most PPI policies only last for five years, so if your loan or finance agreement term lasted for longer than this, you'll still be paying interest on insurance that has long since expired
• Over-priced: Adding PPI to a £7,500 five-year loan could cost a wholly disproportionate additional £2,000-£3,000
• Short pay-out period: PPI linked to mortgages, credit cards or store cards usually pays out for a limited amount of time only. Often this is just 12 months
• Low cover levels: On some credit card PPI contracts, the insurance only covers the minimum monthly payment, meaning your balance may never reduce