Permanent TSB are being investigated by the Central Bank for mis-selling Payment Protection Insurance (PPI)
If you have paid or are paying PPI on Loans, Mortgages or Credit Cards you could be entitled to thousands of Euros in compensation
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Have PTSB mis-sold Payment Protection Insurance to you?
If you have borrowed credit in the last number of years the answer unfortunately might be yes. Loans, mortgages and credit cards sold by Permanent TSB and other lenders in Ireland often included PPI which is an expensive insurance policy. It is designed to cover repayments if you are unable to meet the repayment terms as a result of accident, sickness or unemployment. This sounds great in theory but the harsh reality is that PTSB along with other lenders in Ireland sold PPI policies to consumers who were not eligible for its cover and who did not need to take this costly insurance. The ppi policies sold by Permanent TSB like all insurance policies have exclusions which will prevent payouts in certain circumstances. The Consumer Protection Code requires lenders such as PTSB to ensure when selling ppi that the consumers they are selling it to are eligible for its cover and are fully aware of its terms, conditions and exclusions. The problem with lenders such as Permanent TSB is that these requirements were not always followed and that is why PTSB are now under investigation. PPI by law has to be sold an an optional insurance product. Many consumers have stated that lenders such as PTSB sold these policies with loans, mortgages and credit cards on the basis that it was compulsory. This is blatant mis-selling and is not permitted by the rules and regulations of the Consumer Protection Code. Consumers who applied for and secured finance using Permanent TSB Online banking facilities such as tsb.ie or Permanent TSB Open 24 may also have been mis-sold ppi. Whilst using tsb.ie or Permanent TSB Open 24 users may have selected ppi without knowing what it was or what it covered. Open 24 is the online banking facility for Permanent TSB. This is where users check account information, make transfer and sometimes apply for credit. If you have used Open 24 and have unwillingly or without your knowledge opted for ppi on a form of credit you could be entitled to claim your premiums back. In order to be eligible to process Permanent TSB PPI Claims you must be able to prove that the policy was mis-sold to you or incorrectly added to your account. There are multiple ways in which you might have been mis-sold ppi by PTSB which we will detail. If you can answer yes to any of the following you might have been mis-sold PPI by Permanent TSB and you could be entitled to thousands of Euros in compensation.
- Did PTSB tell you that the PPI policy was compulsory?
- Were you unemployment or self employed when sold PPI by TSB?
- Did Permanent TSB pressurise you into taking PPI?
- Did PTSB sell you a PPI policy when you had just started a new job?
- Did Permanent TSB fail to explain the terms and conditions of the ppi policy?
- Did you select PPI whilst using Open 24 without knowing what it was?
- Did you notice that you were paying PPI to PTSB without ever requesting it?
- Did Permanent TSB fail to explain that pre existing medical conditions wouldn’t be covered?
- Did PTSB fail to explain the terms and conditions of the ppi policy?
- Were you working part time or on contract when sold PPI by Permanent TSB?
- Did you feel forced into taking PPI whilst on Open 24?
- Were you a student when sold PPI by Permanent TSB?
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Have Permanent TSB Mis Sold PPI to you?
Permanent TSB PPI Claims
PTSB are being investigated by the Central Bank of Ireland for mis-selling payment protection insurance. Permanent TSB long with 5 other lenders have been named by the Central Bank and have been ordered to carry out internal reviews of all ppi policies sold since 2007. The Central Bank have ordered this review as it is believed that the majority of ppi policies sold from 2007 were mis-sold to consumers who did not need, want or would benefit from its cover. TSB along with other lenders in Ireland are governed by the Consumer Protection Code. This means that they are required by law to follow certain guidelines when selling insurance products such as PPI. The recent Central Bank investigation indicates that lenders such as PTSB did not follow these guidelines and therefore they will have to financially compensate consumers who were incorrectly sold these policies. If you were sold PPI by Permanent TSB on a loan, mortgage or credit card you might have been mis-sold this costly insurance and you could be eligible to reclaim all of the premiums you have paid plus interest. This is applicable whether you purchased ppi from a Permanent TSB branch or whilst using permanent TSB online banking facilities such as PTSB Open 24. It is expected that it will take Permanent TSB months to carry out this internal review but you do not need to wait that long to process your ppi claims. If you contact us now we can investigate your enquiry and determine if you have been mis-sold ppi by PTSBwithin minutes. If you were we can process your Permanent TSB PPI Claims with no upfront costs and on a no win no fee service immediately. Contact us now to find out if you are due a refund!
Our Permanent TSB PPI Claims Service
If you think that you have Permanent TSB PPI Claims we can help. Once you contact us we will firstly provide you with a FREE no obligation review of your case. During this review we will ask you a number of questions to determine if Permanent TSB have mis-sold ppi to you. If we discover that they have we can then process your claim using our no win no fee service which has no upfront costs or charges. If you believe you have Permanent TSB PPI Claims please contact us now. You may be entitled to thousands of Euros in compensation which we can help you reclaim.
About Finance Claims
As the first company in Ireland to offer a no win no fee ppi claims service we are extremely knowledgeable in this industry. We have been campaigning for the refund of mis-sold ppi premiums since 2010 and as a result of this we have appeared in various TV programmes, newspaper articles and radio shows. With our vocal approach to this industry we have been able to bring much needed press coverage to this industry and in doing so we have established ourselves as a reputable company. We are 100& Irish owned and operated and to date we have used our expertise in this industry to successfully reclaim tens of thousands of Euros for our clients. If you have Permanent TSB PPI Claims contact us now for a free no obligation review of your case. You could be entitled to thousands of Euros in compensation which you might not even know about.