Great question. Simple answer.

Claims management companies exist to pursue money which is rightfully yours and, the good ones at least, are aggressive yet speedy in how they operate. This means that, although claims management companies take a percentage of what we reclaim for you, most of the time you will end up with more money than what your bank were willing to offer you direct. We also get your money back a lot quicker!

We always ask the client if they feel comfortable making a claim themselves, do they have the time and patience to see it through right to the very end? Do they trust the people who mis-sold them PPI in the first place to give a full refund as quickly as possible? If the answer to our questions is “Yes” then we will always advise them to go direct to their banks. Providing free, no obligation advice, Cloud 9 Claims are happy as long as you know the full facts.

This is just a couple of reasons why banks are starting to write to their customers telling them to avoid using claims management companies. In a nutshell, they want to refund as little money as possible and seemingly keep hold of it for as long a time as possible.

An article in the Financial Times (26/04/2012), suggests that Banks are ready to announce an increase in the reserves put aside for PPI refunds to over £6bn on the back of pressure put on them from claims management companies.

There are a host of other reasons why using a Claims Management company would be beneficial. If you are busy with work and have little or no free time as it is then sitting down and writing numerous letters and chasing them with phone calls to make sure they are processing your refund can seem daunting. In many cases our own clients have numerous loans and credit cards so this task is made all the more painful to the point where if they didn’t use us to manage their claim then they would never end up getting their refunds.

If you suspect you might have PPI on loans, credit cards, mortgages or car finance (or anything else for that matter), please do get in touch with Cloud 9 Claims and we will gladly show you that what the Financial Times say above is actually true.

We look forward to hearing from!

At the time of moving to a local nursing home, the woman’s family were informed that due to her substantial savings and value in her property she would be requiried to pay for her own treatment, something which, at the time, her family disputed to no avail.

Nursing home fees quickly run into the thousands and there was no option but to sell the home that she had loved in most of her life.

The nature of the woman’s condition meant that she was totally dependant on at least 2 cares to tend to her every need and the loss of bodily functions made this an extremely difficult task and yet, to her family’s dismay, the NHS still maintained she was not entitled to NHS Continuing Healthcare. The problem the family now faced was to prove that the NHS’ assessment was inaccurate and that the huge sums that were paid for the woman’s care should never have come direct from the woman herself.

Enter the Care Home Claims solicitor…

Following a long and drawn out fight that lasted more than 6 years, the solicitor eventually made the NHS admit that their regular assessments of the patient were wide of the mark and the sum wrongly paid out for care, which exceeded £100,000, was returned to the woman’s family in full.

Council Homebuyers are a well established and reputable mortgage broker specialising in council house purchases on the Right to Buy Scheme as well as remortgages. However, over the past few weeks we have had numerous calls regarding making a claim against Council Homebuyers for varying reasons. We can only assume that these enquiries have been sparked by the continuing media advertising regarding mortgage mis-selling and more recently council house mis-selling on the Right to Buy Scheme.

At Cloud 9 Claims we are always happy to answer questions you may have and give no obligation qualified advice based on your individual circumstances. If you are eligible to make a claim against a mortgage broker our No-Win-No-Fee service should be right up your street!

Call us today on 0800 612 7442 to see how we can help.

Having already been fined over £50,000 by the Financial Services Authority (FSA) for management failures and a lack of skill, care and diligence, there seems to be increasing concern from a number of their clients that they have been mis-sold their council house on the Right to Buy Scheme.

Having already successfully dealt with a number of cases regarding other major mortgage brokers specialising in the purchase of council homes, Cloud 9 Claims would love to hear from you and if we are able to help you claim back any compensation then we will not charge any upfront fees.

Mis-sold mortgages are conditions where you get into problem all of a sudden. You do not really know what has happened and how you got into the trouble. This happens especially when you are misguided by a financial advisor. He would give you tips regarding a deal in which case you may be at a financial loss. Thus, it is required that you have a proper understanding of the process and comprehend things better and we are here standing at your doorstep to explain you things in the most apt way.

We would provide you with the best of plan and advice so that you can surely make a mortgage plan lucrative for yourself. We will help you plan out things for your own benefit. There are some cases where the mortgagee does not feel the necessity to make a declaration of all the existing bad credits he or she may have. This becomes quite unexpected for the lender and thus a condition called mis-sold mortgages. Under such circumstances you have every danger that your property can be reclaimed by the mortgage lender. We will help you take calculative steps so that you do not have to face any mortgage related impediments in life.

There are thousands of rules to follow when planning to take a mortgage on a particular personal property. We are here to tell you about the rules so that you can make the most of the system and have a better mortgage matter to follow in life. One thing we always make sure that when you take a mortgage you are not under absolute financial pressure. We take the liability to avoid a condition called mis-sold mortgages and help you have a tension free mortgage experience in life.

We try to open the floodgates for you so that you do not lose the kind of property you own just because you were not informed in time about the changes which has taken place in matters of mortgage repayment rates. We are here to provide you with all necessary details so that you can feel comfortable and safe in the process.

We can make arrangements so that you can have a repossession of your home. You just need to go through the rules of Financial Service Authority (FSA) so that you cannot be duped in the process. We can offer you with a sort of guide book where you would come to know of all details of how to make a compensation claim and fight out a condition called mis-sold mortgages.

We can help in conducting a free mortgage audit which is surely going to work in your favor and in this way you can have a wonderful future with the sort of individual property you have.

The concept of mis-sold mortgages has brought suffering to the life of hundreds of people all across the world. This mortgage condition is a sort of a trap and you fall into it unknowingly. Therefore, you need to be careful. The Financial Services Authority has showed great concern in this aspect as the scenario in Great Britain has not been very promising. The organization has taken actions against several banks as well as mortgage consultants for behaving unfairly with the consumers. FSA has tried best to save people from the clutches of mis-sold mortgage plan.

Here, you have no scope to get misguided because we promise to help you get hold of your lost property. We are sure to introduce you to something known as NWNF. The full form of this is No Win No Fee. This is a sort of a conditional fee agreement which takes place between the customer and the solicitor and once things get resolved you can get back your compensation in time.

We have lawyers to fight your claims and in case the solicitor loses in the process you do not have to pay the required fee. On the other hand if our legal experts are able to help you win the case then you have to pay the solicitors legitimately and in this case they also have a sort of additional income called success fee. It is in fact our duty to see you fully happy with your property and thus we have the entire justice laid before you so that you are sure that your purchase was completely above board.