Consumer Claims (UK) LLP is a claims management company that offers claims management services to members of the public. Our claims management services consist of advice or services in respect of claims for compensation, restitution, repayment or any other remedy for loss or damage, or in respect of some other obligation. Claims management services cover litigation, or claims under regulation schemes or voluntary arrangement.
Have you bought a new car on a Personal Contract Plan (PCP) from a dealership? If so, you could have been mis-sold your car loan.
Car owners who purchased their car using this type of finance deal from a dealership are being warned they might have fallen victim to a new type of mis-selling scandal.
This relates to car finance known as Personal Contract Plans (PCP) and thousands of people could be effected by this as it is one of the most popular ways to finance a new car.
The National Association of Commercial Finance Brokers (NACFB) says that the complex nature of PCPs is being exploited by dealers to convince drivers they are getting a better deal, or that the PCP deal on offer is a more economical alternative to traditional hire-purchase (HP) arrangements. A PCP is a bit like a personal loan that typically runs for between two and four years. But the size of the loan is equal to the expected amount of depreciation in the car over the length of the deal.
PCP’s have become popular as they seem to offer the car buyer with a cheaper way to buy a car, but is this actually true? The NACFB say buyers can end up paying much more interest than on hire-purchase deals – even if the APR (annual percentage rate) appears to be the same.
This is due to the fact that part of the PCP deal relates to the balloon payment and is effectively an interest-only loan, which is not paid down during the term of the deal. As a result, interest charges mount up more quickly, and anyone who uses PCP and then decides to buy the car outright will face a much higher interest bill than if they had gone down the hire-purchase route. The NACFB believes that some dealerships do not always make this clear when promoting PCP’s over traditional hire purchase agreements, and this could potentially provide a basis for mis-selling claims.
Claims2gain are keeping a very close eye on this matter and if the FCA rule that a mis-selling case has been proven we will be one of the first companies in the UK to help our customers claim back what is rightfully theirs.
If you think you may have been mis-sold a car loan then please register your details and we will be back in touch if we think we can help you with your claim.
Call our claims experts now on – 0161 637 4994 or complete the form below.
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The Banks are having to refund mis-sold Packaged Bank Account fees. If you have mis-sold package bank account, Claim today!
There are over 11 million package bank accounts in the UK and we believe over 90% of them have been mis-sold.
Mis-Sold Bank Accounts are on the rise in the UK. If you believe that you may have been mis-sold a packaged bank account then Consumer Claims (UK) LLP can help you reclaim what is rightfully yours.
Packaged bank accounts are current accounts that include benefits such as gadget insurance, breakdown cover, travel insurance etc for an annual or monthly fee.
Have I been mis-sold a packaged bank account?
Mis-sold Bank Accounts are becoming more and more common, meaning that people are paying for accounts which are unsuitable for their needs. We have provided a simple checklist to try and help determine whether you have been a victim of this. If you have experienced one of more of the following, you may have a case and should contact us today on 0161 6374994.
- You were told that a Packaged Bank Account was mandatory in order for changes to be made to other financial products such as a mortgage, loan or overdraft.
- You were signed up for an account without being informed.
- The full costs and terms of the account were not explained to you.
- You were told that you did not qualify for a fee-free bank account and that your only option would be a Packaged Account.
- You were told that you were eligible for an upgrade to your account, however you were not informed that it would be a Packaged Bank Account or of the additional costs that would become applicable.
- You were not asked if you had any pre-existing conditions that could stop you from being able to claim against an insurance policy.
- You were advised that you could make a claim against an insurance policy when your pre- existing conditions meant you could not.
- You were not told that certain items had to be registered in order for them to be covered by the policy.
- You were not told that the monthly fee for the packaged bank account would be increased.
- You were told that taking out a Packaged Bank Account would give you large discounts on other insurance products. When you tried to cancel the account, you were told that this was not possible.
How have banks mis-led their customers?
Packaged Bank Accounts are far more profitable than regular current accounts. Therefore banks were and in some cases still are, upgrading customer’s accounts without need and in some cases without the customer being made aware.
Do you have one of these accounts, if so the account may have been mis-sold
- Club Lloyds.
- Lloyds Silver.
- Lloyds Advantage Gold.
- Lloyds Platinum.
- Lloyds Premier
- Barclays Current Account Plus
- Barclays Additions First.
- Barclays Graduate Additions.
- Barclays Additions.
- Barclays Additions Active.
- Barclays Additions Plus.
- Barclays Additions Premier.
- Barclays Additions Premier Life 25.
- NatWest Silver.
- NatWest Advantage Gold.
- NatWest Platinum.
- NatWest Select Premium.
- NatWest Black.
- HSBC International.
- HSBC Bank Account Pay Monthly.
- HSBC Advance.
- HSBC Passport.
- HSBC Premier.
- RBS Select Silver.
- RBS Royalty Gold.
- RBS Platinum.
- RBS Black.
- Bank of Scotland Silver.
- Bank of Scotland Classic Account with Control.
- Bank of Scotland Ultimate Reward.
- Bank of Scotland Platinum.
- Halifax Current Account with Control.
- Halifax Ultimate Reward.
- Santander 123 Account.
- Santander Choice Current Account.
- Yorkshire Bank Current Account.
- Yorkshire Bank Signature Current Account.
- Co-Operative Privilege.
- Co-Operative Privilege Premier.
- Marks and Spencer’s Premium Account.
- Marks and Spencer’s Premium Account.
- Nationwide Flex Plus.
Call our claims experts now on – 0161 637 4994 or drop us a line by completing the form below.
Have you lost money or been badly advised on an investment?
You could be entitled to compensation
Has your investment performed badly due to poor advice, high fees or poor management?
The mis-selling of investment products is more common than you may think. More and more people are investing in Stocks and Shares ISA’s, Investment bonds and Personal Equity Plans as a means of investing for the future. However, with this can be customers who have been misled into investing into high risk investments, and the consequences can be devastating.
Luckily Consumer Claims (UK) LLP specialise in reclaiming compensation for those who have been mis-sold investment products. The most common mis-sold investments are:
- Corporate Bond Mis-selling
- Mis-sold Investment Bonds
- Mis-sold Bank Investments
Every potential mis-sold Investment claim is different. For example, if you have taken out an investment a claim can be made for any of the following reasons.
- You were at and age that the product that was sold to you was unsuitable
- You personal circumstances did not get taken into account properly
- Product charging information was not shared with you
- You were sold an investment without the risk being fully explained to you in detail
- The attitude to risk and circumstances were ignored
- The amount of money actually invested was not disclosed to you
- The were sold a single investment that all of your savings and money went into
Call our claims experts now on – 0161 637 4994
It can be very distressing when your landlord refuses to repair your home. We understand that living conditions can deteriorate and seriously affect your quality of life.
If you are a tenant, living in rented property which has fallen into disrepair, you may have a disrepair claim against your landlord. If your landlord has failed to repair faults or not kept the house in good condition you may find that your home becomes damaged. All landlords have a legal obligation to maintain the structure and exterior of their property to a reasonable standard of repair.
The landlord’s obligations are set out under several pieces of legislations, namely, the Landlord and Tenant Act (LTA) 1985, which applies to tenancies entered into after 1961. In summary, section 11 ensures the landlord will:
- keep in repair the structure and exterior of the dwelling, including drains, gutters and external pipes,
- keep in repair and proper working order the installations in the dwelling for the supply of water, gas, electricity and for sanitation (including basins, sinks, baths and sanitary conveniences but not other fixtures, fittings and appliances for making use of the supply of water, gas or electricity, and
- keep in repair and proper working order the installation in the dwelling for space heating and heating water.
If your landlord refuses to fix the property, you can force them to do the works and claim compensation. You can receive compensation for a number of different reasons when bringing a Housing Disrepair claim. You can recover compensation for:
- Damage to belongings – you can include the value of this damage in your claim for compensation. Examples of this can include mould-affected clothing and bedding, carpets ruined by a leak or electrical appliances damaged by electrical problems. Compensation for damage to belongings will only cover the cost to you of repairing or replacing the damaged goods. This would mean that you may get less than the cost of the item new, as you would be expected to buy second hand items to replace them. You would need evidence such as photographs, and receipts to show you have had to purchase a replacement or repair the item or items.
- Personal injury – you can claim for any ill health that the disrepair has caused yourself or anyone who is living within the property. The amount of compensation you receive will depend on a number of factors, including the severity of your illness and how long it has lasted. You will also be able to recover any financial losses you have incurred as a result of your illness such as lost earnings.
- Any inconvenience that you have been caused by the disrepair that can either be a miscellaneous cash sum or a partial rebate of your rent for the affected property during the period of disrepair. For example, if you are unable to sleep in your bedroom due to severe mould and damp, you can claim for the effect this had on your ability to use your home.
The amount of compensation you will receive depends on the severity of the disrepair, how long the disrepair has been present and the effect on you as an individual.
We are highly experienced in helping people who have suffered because of failures on the part of their landlord, especially against local councils and housing associations. We understand that making a claim against your landlord may appear daunting at first, but we are here to make sure the process remains as straightforward and stress-free as possible. We will guide you through the entire process, providing the assistance you require every step of the way.
If you feel you may have a housing disrepair claim, get in touch with one of our housing advisors today on 0161 6374994 or use the contact form below.
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You may still be able to make a PPI Claim!
The PPI Claims deadline has now passed. However, following the “Plevin” Supreme Court Ruling you may still be able to make a claim.
PPI Claims have already helped over 100,000 customers win more than £100 million. We are now offering a Free Service to find out if customers are eligible to make a claim under the Supreme Court Ruling.
You could be eligible to claim if you answer “Yes” to ANY of the questions below:
- Did you have PPI, but have not made a claim yet? If you’re unsure if you had PPI, we can check for Free!
- Did you have PPI, but then the Bank rejected your claim?
- Did you win your PPI claim after January 2017? You could be due a much larger settlement (if your offer was based on Hidden Commission).
We cannot help you if you do not have PPI, however we are happy to check if you are eligible to make a claim for Free. We do not charge for this service, instead we receive a payment from our legal partner for any successful Claim.
If you answered “Yes” to ANY of the questions above, then complete the form below to get the ball rolling.