If you can answer Yes to any of the following questions then you have been mis-sold the policy, you will not be able to claim and you are entitled to your money back plus interest.

When you bought the policy were you: -

1. Self employed?

2. On a fixed term, temporary or casual contract?

3. On any form of benefit?

4. Do you get sick pay at work if you are ill?

5. Are you now or are you getting divorced?

6. Have you ever had a bad back?

7. Have you ever complained about lack of sleep?

8. Have you ever had an illness diagnosed by your GP?

Take the test PPI.

1. When you bought your PPI policy, did the salesperson discuss or explain all the terms and conditions of the policy especially the exclusions?

2. Were you told that you had to have the policy as part of an agreement?

3. Did you feel that you were forced into taking the policy out?

4. Were you told that you could obtain the same insurance at a fraction of the price elsewhere?

5. Were you made aware at the time of the sale that the transaction included the cost of a payment protection policy?

6. At the time of the transaction were you told you were taking out a single up-front premium for an insurance policy you had to keep, which was impossible to get out cancel?

Unfair Bank Charges.

To establish a claim in this area takes approximately 4 questions and 20 seconds.

1. Have you ever had any bank charges in the last 6 years for going overdrawn.

2. Do you think you have been charged more than £200 in the last 6 years.

3. Do you want us to recover what is rightfully yours.

4. Are you prepared to pay £15 up front.