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About Policy Payback
Plus
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Policy Payback Plus provides
a specialist claims management
service dealing with life
assurance, investments and
pensions products. We offer our
clients a totally risk-free
opportunity to claim
compensation for their policies
and investments, usually for
many thousands of ££’s.
All cases are handled by
well-practiced specialists with
over 20 years experience in
financial services and over 10
years dealing with compensation
claims, particularly through the
Financial Ombudsman Service.
Most of our clients have
absolutely no idea there is
anything wrong with their
arrangements until we review
them. Our experience and
knowledge of this niche area
enables us to raise claims for a
high proportion of potential
clients and, just as
importantly, to succeed in
winning a high proportion of the
cases we pursue. |
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What will we do for you?
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We will conduct an initial
enquiry with potential clients
over the telephone to establish
what kind of policies and
investments they have and to
obtain some background
information. This will enable us
to decide immediately whether
the case is one we wish to
investigate in more detail.
Having obtained an authority
from the client, we will then
approach the product provider
and any other relevant party for
the information we need to
review the case thoroughly. Once
this has been received, we will
decide whether we believe there
are adequate grounds to raise a
claim for compensation.
Where a claim is raised, we will
determine the most appropriate
grounds for claiming and then
deal with the case until
completion, challenging and
contesting any findings we do
not agree with, escalating to
the relevant authorities as
appropriate and negotiating the
best settlement we can achieve.
We will carefully scrutinise
loss calculations and settlement
terms for accuracy and fairness.
Although we often use arguments
based on our knowledge of legal
duties and requirements, we do
not enter into legal
proceedings. However, our work
does not prevent clients from
taking legal action after we
have finished, should they wish
to do so.
All compensation payments are
made direct to our clients, not
to us. |
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Fees
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We operate on a No-Win
No-Fee basis. We make no upfront
charges of any kind. We take
nothing from the existing value
of our client’s policies and
investments. Our fee is a
percentage of the compensation
we are able to win and is
charged when the compensation is
paid to the client.
Our fee structure enables
clients to take advantage of our
service without costs or risk.
It also ensures that our own
interests and those of our
clients are directly linked and
that we are motivated solely by
achieving the best outcome we
can for our clients.
Please note, however, that we
have to protect our own position
should the situation arise where
a client cancels our agreement
before the case is concluded. In
such circumstances, we reserve
the right to make a reasonable
charge for the work we have done on the case up until
cancellation. |
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The Company
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| Policy Payback Plus is the
trading name of Policy Payback
Limited
Registered address: 181 Cat
Hill, Barnet, Hertfordshire, EN4
8HS
Company Registered in England
– No. 6931610
Policy Payback Limited is
regulated by the Ministry of
Justice in respect of regulated
claims management activities;
its registration is recorded on
the website
www.claimsregulation.gov.uk |
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"We provide a
specialist claims management
service dealing with life
assurance, investments and
pensions products. We offer our
clients a totally risk-free
opportunity to claim
compensation for their policies
and investments, usually for
many thousands of ££’s"
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"We
operate on a No-Win No-Fee
basis. We make no upfront
charges of any kind. We take
nothing from the existing value
of our client’s policies and
investments"
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Mr M from Kent was happy to accept £12,000 compensation for his Lincoln savings policies. Read more.
Mr M from Kent took out three small savings plans with Lincoln between 1988 and 1993 and had stopped paying into them by 2004. When he contacted us in August 2010, he had paid a total of £12,000 in premiums and the policies were worth about £15,000. We were able to win him a payout of £27,000, including compensation of £12,000.
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Mr B from Birmingham received £5,800in compensation for his Legal & General PEP. Read more.
Mr B from Birmingham converted his mortgage from an endowment to a PEP in 1996 and surrendered the plan for £6,800 in 2003 to raise the money to start a business. We were able to win an additional £5,800 in compensation for the PEP and we are also pursuing a claim for the earlier endowments.
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Mr & Mrs K from Essex won £6,600 compensation from Zurich for their Allied Dunbar life policy. Read more.
Mr & Mrs K from Essex took out a number of life assurance and critical illness policies with Allied Dunbar (now Zurich Group) between 1988 and 1997 and all of them lapsed or were surrendered between 1994 and 2003. We have won compensation of £6,600 for one policy and are now pursuing claims for the others.
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