| Why Choose Black Pearl? |
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Accident Claims No win, no fee |
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100% Compensation Guranteed |
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No hidden Charges |
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Professional and friendly service |
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Welcome to Black Pearl Claims Ltd |
We are specialist company set up to help thousand of people no matter what difficult situation they are up against. We have a team of specialist Claims handlers who are at the end of the phone ready to help you advise , no matter if its a car accident or claiming back unfairly charged PPI or have issues with your house repairs. |
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WE CAN LOOK AFTER ALL...., how to get the ball rowling? |
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Simply fill in your contact details using the form on the right hand side and the nature of your claim and one of our claims handlers will get in touch or alternatively please call us |
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No Win No Fee |
Claim back your mis-sold PPI protective Insurance |
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Claim back for years banks, finance companies and credit card companies have been selling payment protection insurance (PPI) with their loan and card products without properly checking whether the insurance was needed or wanted. With the Banks know dropping their legal fight against the Financial Service’s Authority FSA this would be the right time to claim back your money.
If you believe you could be one of these customers who has been missold PPI you could be eligible for a claim. |
Please see examples of missold PPI |
| " If the answer to any of these is yes please click to make a claim " |
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It was not explained that the PPI would not cover me for the full term of the loan |
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I was not told that Back problems and stress related illness could not be claimed for. |
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I was not warned that pre-existing medical conditions could affect any future claims. |
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I was Self Employed or Retired at the time of signing the agreement. |
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I was told I needed the PPI in order to get the loan. |
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The person selling the PPI was extremely pushy and advised me to take out the cover. |
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I was not even aware I had PPI. It was added without my knowledge. |
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I was not asked if I already had an existing policy that would cover me for the payments. |
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I was told the PPI had to be purchased there and then and could not be added later. |
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I was not told the PPI was a single premium added to the loan, increasing the interest charge. |
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It was not explained that I could get the same cover with another PPI provider. |
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I was told the loan was 'fully protected' and given no explanation or any other details. |
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I was told I had a better chance of getting the loan if I had the PPI. |
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What is PPI? |
Payment Protection Insurance (PPI) is a policy designed to cover your monthly loan or credit card payments (or a percentage of them) if you cannot meet the payments due to being unable to work. PPI applies to those who cannot work due to illness, injury caused by an accident, or those who have been made redundant.
Over the last ten years, loan and credit card providers have routinely mis-sold PPI to those for whom the insurance policy is inappropriate. As a result, big name lenders such as Alliance & Leicester, Egg, Capital One and HSBC have been fined millions of pounds.
Millions of people who have been affected by mis-sold PPI policies are now making PPI claims, and you could be one of them if you pursue a claim today. |
Am I paying for PPI? |
If you have a mortgage, loan, credit card, store card or any other loaned finance in the last 10 years, you may have had Payment Protection Insurance (PPI) included as part of the agreement. Check the agreements and statements to see if it includes PPI.
For loans, the PPI may be a single-premium policy, which will be shown on your loan agreement as a lump sum added to the loan.
For a credit card, PPI charges are added to your account each month, so this should be shown on your statements. |
Was I mis-sold PPI? |
You may have been mis-sold PPI if:
- You didn't ask for PPI, but it was added to the policy anyway?
- You were told the insurance was compulsory, or that you would have a better chance of getting the loan approved if you decided to take it.
- You were not aware that including PPI was optional, or that you could purchase cheaper PPI cover elsewhere.
- You were unemployed, retired or self-employed when you took out the cover.
If they do, you may be eligible for PPI compensation plus the interest charged on the insurance.
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Handsworth New Road