How PPI Claims work at Beat The Banks

About Beat The Banks

We are a PPI reclaims company based in Dundee, Scotland. All our claims experts are ex bank lending managers and most of our team have a banking or financial services background.

Using our skills and knowledge, our aim is to complete every claim, no matter how big or small, with the same level of care and attention. It’s not our policy to submit claims for mis-sold PPI, unless our clients have the appropriate paperwork and a clear recollection of the circumstances of the sale of the insurance. If they don’t, it’s then our job to recover the full borrowing paperwork from the lender before submitting a claim.

This is a world away from other claims companies who only pursue “mini Sarn” information. Skeletal account information that provides no supporting paperwork, can frequently be wrong, is not covered under the Data Protection Act 1998 and often very much time limited.

Our Process

Our full SARN generally allows us not only to obtain much more information from the lender, but also over a greater period of time. In some cases, this can be as far back as the early 90’s.

If you know you have paid PPI, then we will meet the £10 statutory fee the lender charged under the Data Protection Act 1998. If you are not sure, we will ask you to pay the fee, but will administrate the process on your behalf. This fee is non-refundable on any claim(s) canceled after the 14 days cooling off period.

We commit to never asking you to complete complicated forms and will always provide you with your own dedicated Claims Expert. Just sign your name and bank the cheque and let the team at Beat the Banks do the rest.

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How it works

Most PPI companies claim to be able to obtain your financial records as far back as ten years. They also claim to be able to check for contracts sold with PPI without any account details. This is done by means of a “Mini Subject Access Request” for which the information is received from the lender for either no cost or a small fee, typically, £5.00.

 

At Beat The Banks, we specialise in recovering your banking records back as far as 1995 or earlier. Whilst theoretically, lenders only have to retain records for up to six years after closure of account, in practical terms, this is not the case, especially where, for example, you may continue to have a banking relationship or did so up to six years ago.

 

A “Mini-Subject Access Request” typically discloses if a loan had PPI, when it was taken and when it was repaid. No documentation is recovered by, or from, the lender using this process. At Beat The Banks, we believe that only by recovering the associated paperwork can a claim be properly presented to a lender. To do this, we obtain a Full Subject Access Request. If you are certain that you have paid PPI with a lender, we are happy to meet the cost. If, on the other hand, you are unsure as to whether you did pay PPI we are happy to complete the process for you if you are happy to pay the lender’s statutory fee of £10.00. This fee is not refundable if you cancel after the 14 day cooling off period.

 

The full SARN allows us to fully determine what happened at the point of sale and that is vital when presenting your case. It’s one of the reasons why we are so successful in reclaiming your money.

Claim Your Money Back Today

Check for free today to see if you have a PPI claim







Address

11 Albert Square, Meadowside, Dundee, DD1 1DD

Phone

+44 (0) 800 193 1234

Fax

+44 (0) 1382 201 284

Email

claim@beatthebanks.co.uk

Message from Mike

Mike Begg is the Managing Director of Beat The Banks

We are a PPI reclaims company based in Dundee, Scotland. All our claims experts are ex bank lending managers and most of our team have a banking or financial services background.

Using our skills and knowledge, our aim is to complete every claim, no matter how big or small, with the same level of care and attention. It’s not our policy to submit claims for mis-sold PPI, unless our clients have the appropriate paperwork and a clear recollection of the circumstances of the sale of the insurance. If they don’t, it’s then our job to recover the full borrowing paperwork from the lender before submitting a claim.

This is a world away from other claims companies who only pursue “mini Sarn” information. Skeletal account information that provides no supporting paperwork, can frequently be wrong, is not covered under the Data Protection Act 1998 and often very much time limited.

Some of the dirty sakes tricks applied across the banking industry over the last twenty five plus years have been truly horrific. Light years away from the morals and ethics that existed when I embarked on my banking career away back in 1980.

Greed and target driven selling saw banking morph from cosy friendly banking to screwing every last penny from customers. Beat the Banks was set up to help people by using our intimate knowledge of the industry. I’m proud to say that we have now reclaimed more than £25 million for our customers.

We firmly believe that less than 50% of the public who were mis-sold PPI, have claimed and with a deadline of 29 August 2019, time really is running out. If you or any of your friends or relations haven’t already claimed, please don’t lose the chance and let the banks win. The team at Beat the Banks is here to make claiming as simple and pain free as possible.

MikeBegg2-768x512

Mike Begg

Founder

Over 30 Years

In Financial Forensics

No one knows the banking industry like Beat The Banks

Or call us: 0800 193 1234

We Beat The Banks.

“We had no paperwork but £52,500 reasons to say thank you, we are now living our Spanish dream! Exceptional service.”

Dave & Linda , Dundee

“Have just found out I have won all my cases with the bank, going back many years and been awarded compensation of just over £15,000!”

Mr S, Dingwall

“We really appreciate the doggedness and professionalism of Jenna and the team at Beat the Banks. This is something we'd never have gotten round to doing and we're so glad we went through the process with professionals as we've now had great results. Only positives have come from the experience.”

Mr & Mrs M, Shetland

“From beginning to end, Beat the Banks have been very efficient. I am very pleased with the service from Jenna and the team. I am highly delighted and I have been recommending all of my friends.”

Mrs C, Glasgow
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Beat The Banks

11  Albert Square

Meadowside

Dundee

DD1 1DD

 

Company Registration No: SC413541 PPI Reclaims (Scotland) Ltd Claims Licence number CRM29125.