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      What happens now?

      We’ll post you a FREE pack with all of your forms pre-filled

      Sign & date the Letter of Authority and return the pack ASAP

      Once we receive your pack, we will process your claim to identify if you have a PPI refund due.

      Here at iSmart we try to make everything simple for our customers.

      We have put together a list of the terms used with PPI and other protection products and what they mean to you. We hope that by helping you understand what these are you may be more aware of what products are being sold to you in the future and help you to make an informed decision. The terms are explained below.

      ASU – this is Accident, Sickness and Unemployment cover. It is another name for Payment Protection Insurance (PPI). This means that if the credit agreement you took in the last ten years (or longer in certain cases) has this added to it then you could possibly be entitled to claim.

      FOS – this is an abbreviation for the Financial Ombudsman Service. They are the official independent body responsible for settling complaints about financial services. If we are unable to settle your claim with the bank or lender directly then we may contact the FOS on your behalf.

      FCA – this is the an abbreviation for the Financial Conduct Authority, previously the FSA – Financial Services Authority. They are an independent organisation that control and regulate financial services within the UK. They provide clear guidelines for organisations to meet when it comes to working within this sector. They were one of the first bodies to launch an investigation into the mis-selling of PPI.

      PPI – this is short for Payment Protection Insurance. It is an insurance policy sold alongside loans and other types of credit to cover payments if you are unable to do so due to sickness or unemployment. The policy was mis-sold to millions of people over the past ten years (or longer in certain cases) and if you have taken a loan, credit card, mortgage or other financial product in this time then you may be entitled to claim.

      Premiums – this is the term used to describe the amount of money charged for the policy by the provider/lender. It is typically shown as a monthly figure on your statements.

      Single premium policy – this is a policy which is not paid monthly but instead as a single lump sum to be added to the amount borrowed when finance is taken out. People who took out this type of policy would have been paying interest on the loan and the insurance for the entire duration of the credit agreement.

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