{"id":4004,"date":"2019-08-02T17:17:54","date_gmt":"2019-08-02T17:17:54","guid":{"rendered":"https:\/\/www.credit-score.com\/blog\/?p=4004"},"modified":"2022-08-22T14:22:29","modified_gmt":"2022-08-22T14:22:29","slug":"but-i-dont-have-ppi","status":"publish","type":"post","link":"https:\/\/www.check.co.uk\/blog\/ppi-claims\/but-i-dont-have-ppi\/","title":{"rendered":"&#8220;But I don&#8217;t have PPI&#8221; and more reasons why people are reluctant to claim"},"content":{"rendered":"\n<p>By now most people are sick and tired about hearing the media harp on about PPI. It\u2019s covered in our TV adverts, on our radios and our phones are bombarded with calls asking us if we have claimed yet. Plus, anything that could affect our loans and mortgages is a scary prospect that most want to avoid \u2013 but it should not be one of them; if eligible for a refund, you could reclaim a large sum, and who doesn\u2019t want some extra cash? Here are some common reasons why some shy away from PPI and why they shouldn\u2019t worry:<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">What&#039;s Included?<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.check.co.uk\/blog\/ppi-claims\/but-i-dont-have-ppi\/#%E2%80%9CI_dont_have_PPI_I_never_took_it_out_on_any_of_my_loans%E2%80%9D\" >\u201cI don\u2019t have PPI, I never took it out on any of my loans!\u201d<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.check.co.uk\/blog\/ppi-claims\/but-i-dont-have-ppi\/#%E2%80%9CI_was_told_it_would_reduce_my_interest_rate%E2%80%9D\" >\u201cI was told it would reduce my interest rate!\u201d<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.check.co.uk\/blog\/ppi-claims\/but-i-dont-have-ppi\/#%E2%80%9CThe_lender_said_I_must_add_PPI_to_my_agreement%E2%80%9D\" >\u201cThe lender said I must add PPI to my agreement!\u201d<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.check.co.uk\/blog\/ppi-claims\/but-i-dont-have-ppi\/#%E2%80%9CWhats_the_problem_Its_not_like_I_paid_interest_on_the_PPI%E2%80%9D\" >\u201cWhat\u2019s the problem? It\u2019s not like I paid interest on the PPI!\u201d<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.check.co.uk\/blog\/ppi-claims\/but-i-dont-have-ppi\/#Credit-Score_offers_two_fabulous_solutions\" >Credit-Score offers two fabulous solutions<\/a><\/li><\/ul><\/nav><\/div>\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%80%9CI_dont_have_PPI_I_never_took_it_out_on_any_of_my_loans%E2%80%9D\"><\/span>\u201cI don\u2019t have PPI, I never took it out on any of my loans!\u201d<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>You may not think you had PPI attached to your credit agreement when you took it out. However, some lenders have been caught out adding it to policies without informing the customer. This is the result of sellers of PPI receiving a high amount of commission when this insurance was sold and would go to any lengths to receive their bonus. &nbsp;So even if you don\u2019t think you took it out, there is a possibility it was added to your agreement without your knowledge.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%80%9CI_was_told_it_would_reduce_my_interest_rate%E2%80%9D\"><\/span> \u201cI was told it would reduce my interest rate!\u201d <span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p> This is a flat-out lie. If you were told this by a lender, you\u2019re definitely eligible to get your PPI repayments refunded. Being accepted for a loan or having a good interest rate is not affected by your choosing to take out PPI. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%80%9CThe_lender_said_I_must_add_PPI_to_my_agreement%E2%80%9D\"><\/span>\u201cThe lender said I must add PPI to my agreement!\u201d <span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Again, lies. Any kind of insurance on products, be they material or monetary, is optional and always should be. At the time of taking the credit agreement, you were not obliged to add PPI to your policy. Yet another tactic used by lenders to get the vast amount of extra commission by attaching PPI to your <a href=\"https:\/\/www.investopedia.com\/terms\/c\/creditagreement.asp#:~:text=A%20credit%20agreement%20is%20a,both%20retail%20and%20institutional%20loans.\" target=\"_blank\" rel=\"noreferrer noopener\">credit agreement<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%80%9CWhats_the_problem_Its_not_like_I_paid_interest_on_the_PPI%E2%80%9D\"><\/span>\u201cWhat\u2019s the problem? It\u2019s not like I paid interest on the PPI!\u201d<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Actually, yes, you did. The lender who sold you the PPI may not have told you that it is also affected by interest. This means you\u2019ll be paying exponentially more as the years passed. So if you\u2019re wondering why some people have a large payout when they do file a reclaim, that\u2019s the reason! <\/p>\n\n\n\n<p>In all honesty, there is no reason why you shouldn\u2019t try to file for PPI reclamation. If you go through a company, they often have a no-win-no-fee policy. However, they do charge around 20% commission for their services. Alternatively if you make the claims yourself (<a href=\"https:\/\/www.check.co.uk\/blog\/diy-ppi-claim-better-than-going-through-a-company\/\">here\u2019s how<\/a>) you get to keep every penny of your refund. You only have until 29<sup>th<\/sup> August 2019 to make your claims, so it is best to start as soon as possible. Luckily, if you register with <a href=\"https:\/\/www.check.co.uk\/\" target=\"_blank\" rel=\"noreferrer noopener\">Credit-Score<\/a>, you can see all of your credit accounts in one place.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Credit-Score_offers_two_fabulous_solutions\"><\/span>Credit-Score offers two fabulous solutions<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you\u2019re preparing to take a mortgage, never apply until you\u2019ve tried our unique and FREE Credit-Score Home app. Our smart technology will tell you what you need to fix so you avoid rejection. The app predicts when you will be able to buy, for how much and tracks your month-by-month progress to mortgage success. We\u2019ve even added your own mortgage broker, so you get the best deals available.<\/p>\n\n\n\n<p>More focused on your credit rating? Well, get started for free with Credit-Score\u2019s 24- Factor Credit Check to truly help you improve your creditworthiness and how lenders view you. (Remember: lenders don\u2019t use your credit score! We\u2019ll show you what lenders look for and how to get your credit report in the best shape possible).<\/p>\n\n\n\n<p><strong><em>Last updated by Oliver Macmillan, May 2022<\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"By now most people are sick and tired about hearing the media harp on about PPI. It\u2019s covered&hellip;\n","protected":false},"author":22,"featured_media":4070,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[433],"tags":[240,441],"class_list":{"0":"post-4004","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-ppi-claims","8":"tag-ppi","9":"tag-ppi-claims"},"acf":[],"featured_image_src":"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2019\/08\/photo-1454165804606-c3d57bc86b40.jpg","author_info":{"display_name":"admin","author_link":"https:\/\/www.check.co.uk\/blog\/author\/admin\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>&quot;But I don&#039;t have PPI&quot; and more reasons why people are reluctant to claim | Check.co.uk - See the problems your credit score hides<\/title>\n<meta name=\"description\" content=\"Not sure if you have a viable PPI claim and are reluctant to check? 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