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Below you can find some of our most Frequently Asked Questions. Click on a question to see the answer; or if you can't find an awser, enter your question (more than 1 word) in the box below to search our FAQ database.

Fast Track Reclaim FAQs

How do I know if I have a PPI Claim?

You can claim back PPI if the commission the lender received for the sale of the PPI was over 50% of the premium. This is known as a Plevin claim and the result is a return of the PPI plus interest. This usually happened without your knowledge. To find out if you have paid PPI Commission just simply enter your details on our website and we will do the rest for you.

How do I know if I have paid PPI?

To find out if you have paid PPI simply enter your details on our website and we will do the rest for you. We will send a Subject Access Request to your bank which will disclose if you have ever paid PPI.

How long does a claim take?

Each claim is different, and some are more complex than others, therefore we cannot give a definitive timescale for completion. However, we do aim to resolve claims within 6 – 12 months, though more complex cases can at times take longer.

What do I need to do to begin a claim?

All you need to do to begin a claim is enter your details on our website. We will then do all the work for you and keep you updated throughout the process.

What work will you carry out on my behalf?

Fast Track Reclaim will identify if you have paid PPI with the lender(s) selected on our website. If you have, and if we believe you have a PPI claim(s) using the Plevin ruling, your claim will be referred to Fast Track Solicitors who will fight to retrieve any monies owed to you and will issue legal proceedings against the lender if necessary.

Fast Track Solicitors FAQs

How long does a claim take?

Though all claims follow the same process, we cannot guarantee a timescale for completion as some claims may be more complex than others. Our aim is always to resolve a claim as quickly as possible, on average this takes 6 to 12 months, however, at times complex cases can take longer than this.

What do I need to do to allow you to claim on my behalf?

Once Fast Track Reclaim have identified PPI and the Concealed Commission element, your claim will be referred to ourselves and we will commence our process on your behalf.

What work will you carry out on my behalf?

Upon receiving your claim, Fast Track Solicitors will ensure the required criteria is met to allow us to progress your claim. If this criteria is met, a Letter of Claim (LOC) will be issued to the lender on your behalf to retrieve a full redress of the PPI paid. The lender has 28 days to respond to our LOC; if we do not receive a response within this timeframe, we will then issue legal proceedings.

Who are Fast Track Solicitors?

Fast Track Solicitors is a trading style of Joseph James LS Limited who are a refreshing and innovative law firm who hold a 100% success rate for Concealed Commission (Plevin) claims. They have an experienced and knowledgeable team on hand ready to handle your claim for you.

Packaged Bank Account FAQs

How Do I Know if I Have a PBA?

If the name of your bank account is something such as Silver, Gold, or Platinum, then the chances are this is a PBA. You can also identify this by looking at your bank statements and checking if a monthly fee is charged to you from your bank; this could be for your bank account.

How Do I Start a PBA Claim?

Easy! Go to the PBA tab on the menu bar of our homepage, tell us the name of your bank, input a few details and click ‘Check Now.’ You can find our Terms & Conditions for PBA claims in the footer of this page; therefore, they can be read before any claim is made.

Is PBA the Same as PPI?

No, PBA and PPI are two different products which were sold to cover different things. Whereas a PBA is sold to customers through the various benefits it offers, PPI is an insurance product sold to customers with credit accounts to cover repayments should they be unable to make these due to things such as redundancy or illness. A PBA is a bank account which has been upgraded; PPI is an insurance product attached to a credit account.

What is a Packaged Bank Account?

A Packaged Bank Account, or PBA, is an account with a bank where the customer is required to pay a fee each month. This fee usually ranges from £5 - £30 and provides the customer with certain benefits for paying it. These are things such as mobile phone insurance, travel insurance and vehicle breakdown insurance. These accounts were often given names such as Silver, Gold or Platinum Accounts to make them more attractive to consumers.

Why Should I Start My Claim with You?

Fast Track Reclaim have many years of experience dealing with lenders and banks, therefore we have built up brilliant and reputable working relationships with these. At times claims can get complex and time-consuming, which is why we take the hard work out of making them for you.

Why Were PBA’s Mis-sold?

PBA’s were found to have been mis-sold for various reasons. One of the main reasons was that banks ran incentive schemes for their sales staff, meaning that the more PBA’s they sold, the higher the bonus they would be rewarded.

Payday Loan FAQs

Common Complaint Points

The most common complaint points for PDL claims are:

  • Income and expenditure and credit history were not thoroughly checked
  • Vulnerabilities and mental health were not checked
  • No checks were done when extending the loan to ensure this was affordable
  • Not told how to make a complaint

Though these are the most common, the above list is not all complaint points that we hear from our clients.

How Long Does a Payday Loan Claim Take?

The lender has 28 days within which to acknowledge receipt of the claim, they are then required to provide a final decision within 8 weeks.

What is a Payday Loan (PDL)?

A Payday Loan is a loan of a relatively small amount that is designed to help ‘tide’ the borrower over till their payday. The loan will be paid into the borrower’s bank account and the full amount – including interest and any charges – must be paid back at the end of the month. Though these loans were and are highly convenient, they came with high interest attached and were also often mis-sold.

What is the Process for Making a Claim?

You can begin a claim on our website by entering the lender names and a few personal details. You will then be presented with a short questionnaire regarding your PDL. This questionnaire aims to identify information regarding the sale of the PDL and your circumstances at the time of borrowing. A Letter of Complaint (LOC) will then be created and sent to the lender who will acknowledge receipt of the complaint within 28 days. The lender will then aim to come to a final decision within 12 weeks. If for any reason the lender requires a longer time period to investigate your claim, we will inform you of this as soon as is possible.

Why Should I Make My Claim with You?

We are an experienced Claims Management Company with a reputable process. We possess the required skills and knowledge to deal with your claim, and we also have good working relationships with the majority of lenders.

Pre-Deadline FAQs

How do I Know if I Have Paid PPI?

If you have statements from any credit agreements you have had then you will be able to check for PPI payments on them. However, if you do not have any paperwork but can remember the names of the lenders with whom you had the credit, then we can check for you. If you have forgotten the names of your past lenders, there are numerous trusted credit reference agencies on the internet who will provide you with a copy of your credit report either for free or for a small sum. All lenders you have held credit with will be listed on this report.

How Do I Start a Claim?

You can start a claim on this website. Simply select the lenders from the list shown, answer a few simple questions, input your details and submit your claim to us. We will then begin work on your behalf and will be in touch with you to let you know of the next steps and any updates.

How Far Back Can You Claim?

There are no timescales for looking into PPI. This means Fast Track Reclaim can look at accounts that you held years ago and that are now closed down. Though PPI was largely sold during the 90’s, people also had this applied to credit agreements well before then, so it really is worth checking as you could be entitled to compensation.

How Long Does a PPI Claim Take?

All claims are different, so it is difficult to provide a set expected timescale for completion. On average, we find claims take around 3-4 months to complete, however, if complexities arise within the claim or if there is a need to refer the claim to the Financial Ombudsman Service (FOS) then there may be a significant delay. You will be updated throughout your claim by our team.

How Many Claims Can I Make?

You can make as many claims as you like. Many people have had several loans, credit cards, mortgages or other credit agreements in the past, therefore you are able to claim against each PPI policy that was attached to these products.

What if My PPI Claim Has Already Been Rejected?

If your PPI claim has been rejected for any reason by the bank/lender, or even the Financial Ombudsman, and was active after 2008, then Fast Track Reclaim may potentially be able to overturn your rejected claim and gain you compensation. Fast Track Reclaim will assess your rejected claim and if it qualifies, we will refer your case to Joseph James Law who are experts at overturning the lenders decision and getting clients a full refund of any PPI premiums paid.

What is Payment Protection Insurance (PPI)?

PPI was often sold to people when they took out credit such as loans, credit cards, store cards, overdrafts, car finance & mortgages. It was sold to cover the monthly repayments in the event that the individual was unable to pay. This included things such as redundancy or illness/injury which meant they were unable to work. However, PPI was often mis-sold, and many people weren’t even aware it had been added to their credit accounts.