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Start your Cheltenham & Gloucester PPI claim

You could be owed £1,000s in PPI compensation if you ever had a Loan, Credit Card or Mortgage with Cheltenham & Gloucester

Start your Cheltenham & Gloucester PPI claim below:

Start claim - step 1

Step 1

To start your Cheltenham & Gloucester PPI claim, enter your details above

Start claim - step 2

Step 2

We will contact you to gather more information about your Cheltenham & Gloucester PPI claim

Start claim - step 3

Step 3

We will send pre-filled forms for you to sign & return to us

Start claim - step 4

Step 4

Sit back & relax while we process your Cheltenham & Gloucester PPI claim


What is Cheltenham & Gloucester PPI?

Cheltenham & Gloucester payment protection insurance (PPI), also known as loan repayment insurance, credit insurance or credit protection insurance was designed so that the borrower could make repayments to Cheltenham & Gloucester if they were unable to earn income to service the debt. This shouldn't be confused with income protection insurance which is not usually attached to a debt. PPI was widely sold by Cheltenham & Gloucester as an add-on to the loan or an overdraft product.

Cheltenham & Gloucester PPI usually covered payments for a minimum of 12 months, this gave the borrower enough time to find alternative means of making repayments such as going back to work.

How was Cheltenham & Gloucester PPI mis-sold?

Some Cheltenham & Gloucester PPI policies were sold without the consumer even aware that PPI was added onto their loan. Some consumers claim that Cheltenham & Gloucester informed them that their application for a loan, credit card or mortgage would be declined if they didn't take out Cheltenham & Gloucester payment protection insurance. In some cases this led to fear of losing a loan and the borrower would accept the Cheltenham & Gloucester PPI even though they may not of even needed it.

Have you been mis-sold PPI by Cheltenham & Gloucester?

Cheltenham & Gloucester may have mis-sold you PPI if any of the below statements are relevant to you at the point of sale:

  • Did Cheltenham & Gloucester make you aware of any exclusions or circumstances in which you would not be eligible to make a claim?
    • If you weren’t told by Cheltenham & Gloucester about the exclusions, or circumstances in which you couldn’t claim, you may have been mis-sold your Cheltenham & Gloucester PPI policy.
  • Did Cheltenham & Gloucester make you aware about cancelling your PPI policy?
    • You should have been made aware by Cheltenham & Gloucester that you had the right to cancel your PPI policy within the cooling off period.
  • Did Cheltenham & Gloucester enquire if you had PPI cover elsewhere that would of covered repayments?
    • Cheltenham & Gloucester should have asked if you had pre-existing PPI cover elsewhere as this would have been sufficient.
  • Was the term of your Cheltenham & Gloucester PPI cover shorter than the term of the finance agreement AND did Cheltenham & Gloucester not explain that there would be a period of no PPI cover towards the end of your finance agreement?
    • If Cheltenham & Gloucester did not explain that you would be unprotected for any period of time throughout the finance agreement, you have been mis-sold your Cheltenham & Gloucester PPI policy.
  • When you were sold your PPI policy by Cheltenham & Gloucester, were you unemployed, self-employed or retired?
    • If you were unemployed, self-employed or retired when Cheltenham & Gloucester sold you your PPI policy, you would not have been covered and therefore the Cheltenham & Gloucester PPI policy would have been of no benefit to you.
  • Did you have a pre-existing medical condition at time you were sold your PPI policy by Cheltenham & Gloucester?
    • If you were ever unable to work throughout the term of your Cheltenham & Gloucester PPI policy due to the pre-existing medical condition, you would not have been covered by the Cheltenham & Gloucester PPI policy.
  • Were you older than the upper age limit for your Cheltenham & Gloucester PPI policy?
    • If Cheltenham & Gloucester had an upper age limit on the PPI policy and you were above this set age, you would not have been covered.
  • Was the total cost of the Cheltenham & Gloucester PPI policy clearly explained to you at the point of sale?
    • Cheltenham & Gloucester should have explained every aspect of any costs relating to your PPI agreement. Failure to do so would be considered a big mis-selling factor.
  • Did you feel pressured into purchasing the Cheltenham & Gloucester PPI policy?
    • A simple assessment of your personal circumstances to determine if PPI was of any benefit to you should have been carried out by Cheltenham & Gloucester, with no pressure or hard selling.
  • Did Cheltenham & Gloucester make you aware that part of your PPI premiums may have been paid as commission?
    • The Plevin ruling means that if over 50% of your PPI premiums were paid in commission to Cheltenham & Gloucester, you were mis-sold and are due a PPI refund.
  • Were you aware that Cheltenham & Gloucester had added PPI to your agreement?
    • If you were not aware PPI had been added to your agreement by Cheltenham & Gloucester, it may have been added without your consent or it may have been opt-out box which was not obvious.
  • Were you led to believe that the Cheltenham & Gloucester PPI policy was compulsory to your finance agreement?
    • If a PPI policy was required for the finance agreement, Cheltenham & Gloucester should have made you aware that you had the right to shop around OR if you had pre-existing cover elsewhere, Cheltenham & Gloucester should not have sold you another PPI policy.

What could you be owed from Cheltenham & Gloucester?

If you have a successful PPI complaint against Cheltenham & Gloucester upheld, you would be entitled to a full refund PPI paid to Cheltenham & Gloucester, a full refund of any interest charged on the PPI by Cheltenham & Gloucester and a compensation interest of 8% per annum on both of those combined.


About us

About us

My Claim Solved Ltd is regulated by the Claims Management Regulator in respect of Claims Management Activities; its registration is recorded on the website www.claimsregulation.gov.uk. Authorisation Number: CRM 29233

Registered with the Information Commissioners Office; registration number: Z2853770

My Claim Solved Limited, Registered in England, Number: 7718504, VAT Number: 123294629

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Customer relations are something we strive to maintain and improve. Should you wish to complain about our Company or service you may do so by writing to:

Customer Relations, My Claim Solved Limited, Tormohun House, Barton Hill Road, Torquay, TQ2 8JH

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Address:
My Claim Solved Limited, Tormohun House, Barton Hill Road, Torquay, TQ2 8JH

Phone:
01803 322 822

Email:
info@myclaimsolved.com