First Assist Reclaim - Overturn and Recover PPI

First Assist Reclaim - Assisting you to reclaim what is rightfully yours!

Reclaim £1000's

Get loan balances written off!

Reclaim Payment Protection Insurance (PPI) on credit agreements!

Reclaim payments made!

If you have taken out a credit agreement prior to 6th April 2007 then legislation allows the enforceability of that agreement to be challenged where it can be demostrated that there are irregularities within the agreement, or within the exection of the agreement, regardles, or not, of whether those irregularities affect the borrower in an unfair way! This means that you may not have to repay the balance and, in certain circumstances, you could even reclaim past payments!

If you have taken out payment protection insurance on any type of credit agreement then it is likely that you have been mis-sold the PPI and could be entitled to be re-credited all of the PPI that you have paid for upfront on the loan!

Get your loan balances written off!– Get previous payments refunded!
Reclaim the cost of your PPI!

Credit Cards Store cards Hire Purchase Loans

Credit Card or Loan taken out prior to 6th April 2007 - Get the remaining balance written off entirely, regardless of the inclusion of PPI or not!

Our Success!

Unlike Claims Management Companies who will charge you a fee simply to pass your claim onto a panel solicitor we are a licensed debt adjustment company specialising in consumer credit legislation. Our fees are for a genuine service and are totally transparent with no catches. We give lenders every opportunity to settle without them incurring significant legal costs as it is only prudent when asking for a financial settlement to keep costs to a minimum! We should always be the first port of call before litigation!

Leave it to the experts

It will cost you absolutely nothing to see if you can reclaim so contact us now! Simply go to the “have I got a claim” page and complete the questionnaire or call us direct!

Types of unenforceable credit agreements

	Credit Cards / Store Cards Unenforceable credit agreements on credit cards and store cards.

	Hire Purchase Unenforceable credit agreements on cars and other types of hire purchases.

	Loans Unenforceable credit agreements on loans.

Consumer Credit Regulations and the FSA

Credit Agreement Breaches
The Financial Services Authority (FSA) have strict guidelines for lenders in complying with its regulations. When lenders do not comply with these guidelines precisely then they are in breach of the regulations and their credit agreements are unenforceable. There are currently tens of millions of pounds worth of unenforceable credit agreements taken out prior to 6th April 2007, which are entirely unenforceable for which the borrowers have no legal requirement to repay. Many lenders are persuading their customers to take out new agreements, which are then enforceable when their customers actually have no legal obligation to repay the previous agreement. First Assist's specialist consumer protection division, Reclaim Assistance, is a specialist division dedicated in locating irregularities within consumer credit agreements, which render them unenforceable.

PPI Mis-selling
As a result of the FSA’s investigation into lender's business conduct and sales tactics a number of hefty fines have been imposed on numerous lenders paving the way for individuals who have been mis-sold PPI to claim back what they have been mis-sold!
Lenders have a duty, according to regulation, to ensure that they adequately disclose both a policy’s features and benefits, along with its exclusions and limitations. Terms and conditions must be fully explained to consumers by lenders. Quite simply, lenders have flouted fundamental consumer protection regulations. A survey conducted by Citizen’s Advice Bureau found that 85% of people making a claim on PPI had that claim rejected by the insurer, demonstrating that such policies, costing many thousands of pounds, were entirely worthless to the policy holders. On a £10,000 loan the cost of PPI can be as much as £4,000 on the value of the loan. The majority of PPI being single premium policies whereby the entire cost of the policy is added to the loan upfront. First Assist's specialist consumer protection division, Reclaim Assistance, can reclaim all of the PPI cost, including the interest incurred.

Click here to find out if you have a claim