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PPI CLAIMS DEADLINE
29th Aug 2019

Topshop Store Cards PPI Check

Topshop PPI

What is Topshop store card PPI?

Topshop payment protection insurance (PPI) may also be known as credit insurance, credit protection or loan repayment insurance among other terms on your documentation.

PPI is an insurance that helps someone who has taken out any form of finance to meet their repayments if they become sick, injured or redundant.

There is often confusion between PPI and income protection insurance. The two products are very different. PPI is a short-term policy, usually 12 months, sold with a loan and other credit products. This gives the borrower time to look for a new job or to return to work, if appropriate. Successful PPI payouts are made directly to the loan provider, not the policyholder.

On the other hand income protection insurance covers 70% of the policyholder’s income if they are unable to work due to an accident or sickness. This protection is long-term and can cover the policyholder until retirement if they are unable to work again.

Topshop sold many PPI policies that were added to loans, credit/store cards, mortgages or overdrafts.

Was Topshop PPI mis-sold?

Topshop PPI was added to some customers’ loans without their knowledge. Other borrowers say that Topshop told them their loan, mortgage or credit application may not be approved if they didn’t have Topshop PPI. This resulted in borrowers taking out Topshop PPI to avoid losing the deal, regardless of if they needed the policy or not.

Could you have been mis-sold PPI by Topshop?

If any of the following situations occurred at the point of sale, you may have been mis-sold PPI by Topshop:

    • At the time Topshop sold you the PPI policy, were you unemployed, self-employed or retired?
      • If you were unemployed, self-employed or retired when Topshop sold you your PPI policy, you would not have been covered so would not have received any benefit from it.
    • Were you aware Topshop had added PPI to your agreement?
      • If you unaware Topshop had added PPI to your agreement, it was done without your consent. Alternatively it could have been an opt-out box that wasn’t clearly visible.
    • Were you told what the total cost of Topshop PPI was at the time of sale?
      • Topshop should have explained all costings relating to the PPI. This will be a major mis-selling factor if it wasn’t done.
    • Did Topshop make it known that some of the PPI premium may have been paid as commission?
      • If more than 50% of your PPI premium was paid as commission to Topshop, this is classed as high commission under the Plevin rule. You were mis-sold and due a PPI refund.
    • Was it made clear to you by Topshop that you could cancel the PPI policy?
      • Topshop should have notified you of your right to cancel the PPI policy within the cooling off period.
    • Did Topshop bring to your attention any of the circumstances or exclusions where you would not be successful in making a claim?
      • If Topshop had not made clear any exclusions or circumstances that would prevent you from claiming, you may have been mis-sold Topshop PPI policy.
    • Did Topshop check to see if you had other PPI arrangements that would cover repayments?
      • Topshop has a responsibility to find out if you had sufficient PPI cover elsewhere.
    • Was there any pressure by Topshop into purchasing the PPI policy?
      • Topshop should have looked at your personal situation to assess if you would benefit from having PPI without any pressure or hard-sell.
    • When taking out the PPI policy with Topshop, did you have any pre-existing medical conditions at that time?
      • If this was the case and you could not have worked for the duration of the Topshop PPI term, you would not be covered by the Topshop PPI policy.
    • Was it inferred to you that Topshop PPI was necessary to get the finance?
      • If the finance sought was such that required a PPI policy, Topshop should have let you know that you could shop around to find and compare PPI cover or if you already had PPI in place, Topshop should not have sold you their PPI policy.
    • Did Topshop PPI have an upper age limit, if so, were you older than it?
      • If Topshop PPI specified an age limit for cover and you were older than this, you would not be covered by the policy.
    • What was the term of Topshop PPI, was it was less than the term of finance agreement? Also, did Topshop advise that there would also be a period of no cover towards the end of the finance agreement?
      • If Topshop didn’t explain that you would have a period of no protection during the term of the finance agreement, your Topshop PPI policy was mis-sold to you.

What you could claim from Topshop

If your claim against Topshop is upheld, you may receive a full refund of PPI paid to Topshop, this includes any interest charged on the PPI. Statutory interest of 8% per year is also payable on the premiums and any interest charged.

How to lodge a PPI complaint with Topshop?

The PPI deadline (29th August 2019) set by the FCA has now passed and we are no longer accepting any new PPI claims.

Have any Question or Comment?

205 comments on “Topshop Store Cards PPI Check”

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The PPI Deadline

IMPORTANT NOTICE!

WE ARE NO LONGER ACCEPTING NEW PPI CLAIMS!

Due to the proximity of the PPI deadline, we are no longer accepting any new PPI claims to allow us to process existing PPI Claim enquiries

Please be assured, if you have already enquired about a PPI Claim with Money Management Team Limited we are processing your enquiry and will update you as your claim progresses. If you need an update in the meantime, please contact us.

You can pursue your own claim direct to the firm to obtain a refund. You can do this for yourself at no cost and then use the Financial Ombudsman Service or Financial Services Compensation Scheme (FSCS) which are both FREE.

Dont Miss the 29th Aug 2019 PPI Deadline!

£Millions Remain Unclaimed!

PPI Deadline FAQs

Is there any leeway in deadline timing?

No – the deadline is absolute. If the claim is not properly logged with the lender before midnight on August 29th it will be officially time-barred.

I already have a case(s) going through with you, what will happen to them?

The deadline is for new claims only. All existing claims will be investigated and decided normally.

I have had a case with FOS through you for ages – what will happen to it now?

All FOS investigations of current claims will be unaffected by the deadline. It is for new claims only.

Will the deadline cause any delay in my case?

No – existing cases will be processed as normal with a final decision expected within 8 to 16 weeks of acknowledgement of the claim by your lender.

What if the bank wants more information?

A request for further information from the bank means that it has been accepted and is under investigation. The usual timescale of 8 to 16 weeks for a decision will still apply.

Why is there a deadline?

The deadline was set in place by the Financial Conduct Authority (FCA), which is the UK’s financial regulator. It’s chief executive, Andrew Bailey, said at the time: “Putting in place a deadline and campaign will mean people who were potentially mis-sold PPI will be prompted to take action rather than put it off. We believe that two years is a reasonable time for consumers to decide whether they wish to make a complaint.”

“We have carefully considered the feedback we received and we still believe that introducing a deadline for PPI complaints and a communications campaign warning of the deadline will benefit consumers.”

What happens after the deadline?

The deadline is for new claims only. If your claim has already been lodged with your lender then it will be fully investigated.

What happens if my case is rejected by the lender?

If your claim is rejected then it will be passed to our specialist team who will evaluate the terms of the rejection to see whether an appeal to the Financial Ombudsman Service (FOS) might be possible and advise you of their findings.

PFCA MEMBER

PPIClaims.com is a trading style of Money Management Team Ltd. Money Management Team is a member of the Professional Financial Claims Association (PFCA).
We comply with the PFCA Code of Practice

Important Information


*Free Check with our Claims Service. Outcome is lender specific and may result in a complaint being investigated

Your PPI Claim starts with a Free PPI Check service. Our PPI Claim fee of 20% + VAT (so 24%° of the total redress offered by your lender) is payable if your claim is successful. That means if we don’t recover you anything, you don’t pay us a penny.
You can submit a claim directly to the lender yourself for no charge. You can also approach the Financial Ombudsman Service and Financial Services Compensation Scheme for free to review your case, providing it falls within their remit and you have approached your lender first.

© 2019. PPI-check.com is a trading style of Money Management Team which is authorised and regulated by the Financial Conduct Authority in respect of regulated claims management activity FRN: 836618. The registered address is Railex Business Centre, Crossens Way, Marine Drive, Southport, Merseyside, PR9 9LY. Registered as a company in England and Wales (company number 08290403) Vat Number: 180 9825 79 | Tel: 0800 103 2631 ICO number: ZA029120. *Free Check with our Claims Service. Outcome is lender specific and may result in a complaint being investigated. If you agree to the claim service, the fees are 20% + VAT = 24% for any successful claim. Our fees are subject to Regulatory Change and will be charged at the prevailing maximum rate; however, we will never charge you in excess of 20% + VAT where your contract has been entered into after 10th July 2018. Contracts entered into on, or prior to, 10th July 2018 are chargeable at the rate outlined in such contracts.
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