However, Crystal can still help you if you have a PPI policy that you think might have been mis-sold and you have not successfully claimed.
If you have not already made a claim ahead of the deadline then there is a strong chance that you could be owed money from undisclosed commissions under the Supreme Court decision known as “Plevin” if the seller of the policy received commissions that they did not adequately tell you about. Further, it may be possible to show the policy was mis-sold leading to you receiving all of the premium paid plus interest.
Our sister company, Crystal Clear Law Ltd, an SRA Authorised legal practice, can represent clients with PPI complaints who have missed the PPI claim deadline (as well as many other forms of financial mis-selling issues).
Frequently Asked Questions and further information for you to consider:
A: This depends on the specifics of your case and the actions of the other side. Regulations dictate that your solicitor must believe the prospects of your case are better than 50% before they agree to act for you.
A: The amount you pay will depend on the value and complexity of your case and whether you choose to take out an ATE policy or not. If you take out ATE and lose then you will be unlikely to have to pay anything.
If you win your case then typically customers pay 50% inclusive of VAT of the amount recovered, although this will be subject to your individual circumstances and the actual fee may be less than this.
If you are unsure if you have paid for PPI, and would like to find out, Crystal Legal Services can help you investigate if you have a PPI policy that might be suitable for reclaiming via a litigation process and assist you with getting your case set up with the law practice. Note that you are not restricted to use Crystal Clear Law Ltd* to recover any PPI identified and other law firms may be available to take on your case.
Also note: Crystal Legal Services is a claims management company, and not a law firm, and is not authorised to provide any legal advice to you. Any referral by us to the law firm will only be on your explicit consent. You will be required to enter into an agreement with the law firm and a fee will be payable if your claim is successful.
If your lender or broker has gone out of business or ceased trading, and you think you paid for a PPI policy with them that may have been mis-sold, then you may be able to claim via the Financial Services Compensation Scheme (FSCS).
Claims made to the FSCS are not affected by the FCA PPI Deadline (i.e. there is no deadline) and we can assist you with this by setting up and managing the claim on your behalf. Our service would be chargeable and subject to our standard T&Cs, or your existing contract with us if you are already a customer. Be advised that the FSCS is a free to use service and you could run the claim yourself.
Crystal Legal Services Ltd is a claims management company authorised and regulated by the Financial Conduct Authority..
You do not need to use a claims management company to make your complaint to your bank, and if your complaint is not successful you can refer it to the Financial Ombudsman Service yourself for free
Crystal Legal Services Ltd, Gawsworth House, Westmere Drive, Crewe, CW1 6XB.
Crystal Legal Services Ltd is a claims management company Authorised and regulated by the Financial Conduct Authority.
Company registered in England and wales. Company registration 6837474. Registered office: Fairfield House, Back Lane, Spurstow, Tarporley, Cheshire, CW6 9TE.