Holton Alliance Ltd

Mis-sold Payment Protection Insurance?
  • 01.Were you Self Employed?
  • 02.Entitled to Sick Pay?
  • 03.Existing Medical Condition?
  • 04.Paying the loan after 2004?
Packaged Bank Account?
  • 01.Had a packaged bank account?
  • 02.Paid a monthly account fee?
  • 03.Still have your account?
Credit Card Charges
  • 01.Recieved fees of over £12?
  • 02.Charged for PPI?
  • 03.Charges in the last 6 years?
Personal Injury
Been hurt in an accident? Had a trip, slip or fall? Our Specialist Solicitors could help you make a claim for compensation today!

Take the Payment Protection Test

Take the PPI Test NOW to see if your eligible to make a claim!

Take the Excessive Charges Test

Take the Credit Card and Bank Charges Test NOW to see if your eligible to claim!

Time is of the Essence!

Time is running out for Payment Protection and Credit Card charges claims!

Customer Support Centre

Visit our support centre to view the answers to your most common questions.

FAQFrequently Asked Questions


We understand that there are probably many questions you want to ask us and have tried to cover the main things we get asked here. This list is by no means everything we get asked so if there is anything you need us to fill you in on that isn't listed here, please contact us and we will be happy to try and answer any concerns you may have.

Simply click on the question to see the most common answer.

Payment Protection PPI   Bank Charges
What is Payment Protection Insurance (PPI)?

Payment protection is a product that was designed to make sure that you could meet your loan or credit card repayments in the event of illness or accident.

There are however many requirements you have to meet to be able to make a claim which were not always explained when the policy was taken out.

 

How do I know if I was mis-sold my policy?

You may have been mis-sold your policy if:

  • You were not told that Payment Protection would be added to your loan agreement
  • You were not told that there would be interest to pay on the PPI policy which would be added to your overall loan
  • You were led to believe that the policy was compulsory
  • You were led to believe you would get a better rate on your loan if you took the policy
  • You were led to believe that you wouldn't get the loan if you didn't take the Payment Protection Policy
  • You were self employed
  • You had a company Sick Pay scheme and were entitled to receive it
  • You were retired or working less than 30 hours a week
  • The loan was in joint names but the Payment protection only covered one person

If you are not sure, just ask us and we can let you know if your eligible to make a claim

I no longer have the documents for my loan, what do I do now?

If you no longer have the documents for your loan you can still make a claim, however we may need to request copies of your loan agreement from your lender so that we can provide them with all the relevant information when we submit your claim to them.

If we do need to do this, there is a fee of £10 charged by all lenders in accordance with the Data Protection Act 1998 which allows a fee to be charged of no more than £10 for the retrieval and preparation of documents.

If you don't have your documents, we will need to ask you to send us a payment for this amount before we can make the request to you lender.

This fee is none refundable even if your documents are returned to show that there is no PPI on you loan agreement.

How much can I claim back?

This depends on a number of things but as a general rule, if a company upholds your complaint, you could receive a refund for the cost of the payments you have made towards your PPI policy plus 8% interest.

If you have made a claim on your policy for sickness or accident or you received a partial rebate for paying off your loan early, the lender will normally deduct this from any offer made.

 

Is there a limit on when I can claim?

Yes, only policies sold or still in effect after 2004 can be claimed against, anything older than this or paid off before 2004 don't fall under the guidelines in effect from the Financial Services Authority so are not eligible for a refund claim to be made.

 

Can I make a claim on my own or do I need to do it via a company such as Holton Alliance?

For the avoidance of any doubt there are other ways you can bring a claim against a lender including instructing a solicitor directly, contacting the Citizens Advice Bureau, and progressing your claim directly with the Financial Ombudsman Service.

However, we have experience in ensuring that our customers receive the maximum amount of compensation possible and are fully versed in the tactics used by many of the leading banks and vendors to try and evade progressing claims or making an offer that is both fair and reflective of the costs you have incurred.

We also have strong experience of dealing with complaints referred to the Financial Ombudsman Service and are fully versed on the paperwork required for any claim to be submitted along with the process involved with claims passed for adjudication.

I'm in arrears on my loan, can I still claim?

The simple answer is yes, you can still make a claim even if you are in arrears on your loan. Any settlement that you are offered will take this into account so some or all of the refund amount may be used by the lender to clear any outstanding balance.

 

I'm in an Individual Voluntary Arrangement (IVA), does this mean I can't make a claim?

If the loan you want to claim against is in clued in your IVA then unfortunately we won't be able to help you as any refund that we are likely to win for you will go against your arrears and you may therefore not receive any cash award.

If this is the case, you would still be liable for our fees which you may not be able to afford as you are already in an IVA and therefore we would be unable to accept your claim on this basis.

If your loan is not included in any IVA agreement or has already been paid off then it is possible that we can claim against the loan but would need to speak to you first. If this is the case please call our claims team on 0161 268 8516.

 

How will my refund be paid?

This will depend on a number of things but refunds can be made in any of the following ways:

  • As a cash refund to your bank account or by cheque
  • A payment towards your overall loan resulting in a reduction in your monthly loan payments
  • To clear any loan arrears

Your refund could consist of 1 or more of these in combination and is classed as an overall benefit.


How long will my claim take?

This will depend on a number of things but the average claim where we have copies of the original loan documentation which confirm PPI amounts is around 12 weeks if the Lender upholds the complaint.

Where we have to request copies of loan information from your Lender, an additional 40 - 45 days will be added to the length of your claim which allows for your Lender to prepare and return the relevant information before a complaint can be issued.

If your claim is rejected by your Lender and is therefore referred to the Financial Ombudsman Service for external adjudication, we will be unable to provide an estimated time for resolution as some cases can take years to be completed via this route.

 

Who is the Financial Ombudsman Services (FOS)?

The Financial Ombudsman Service are an independent body who are responsible for adjudicating complaints in cases where the Lender is not able to provide a response or in cases where you disagree with the result of a complaint investigation.

They will only become involved in cases where the internal complaints process with a Lender has been fully completed.

Where your complaint needs to be referred to the FOS, we will complete all relevant information and submit it on your behalf. We will then liaise with the FOS during their investigations into your complaint.

How much will I have to pay Holton Alliance?

This will depend on your circumstances but the majority of our customers will be subject to our No Win No Fee agreement.

You will only pay us a fee if we are successful in claiming back a refund for you and in such cases our fee is 25% plus VAT at the prevailing rate of the total benefit that you receive.

For example you receive a refund of £1000 paid off your loan account and receive £2000 as a cash refund into your bank account. Our fee in this case would be 25% of £3000 (£750) plus VAT.

Other fees will apply if we need to request copies of your loan agreement information from your lender.

 
What charges can I claim back?

You can make a claim for any charges that have been applied to your account that cause you to enter financial difficulties or which are likely to cause you to be unable to make regular utility bill payments.

Do I have to be in Financial Difficulties to be eligible to claim?

The simple answer is yes.

Following a judicial review which took 2 years to complete, it was found that the banks are lawful in the charges that they apply to accounts for unauthorised overdrafts or bounced payments which means that you can't just make a claim on the off chance.

If you are suffering from financial hardship, you can make a claim against the banks however they may refuse to look at your claim unless you are able to prove that by applying fees that they would be causing you to be unable to pay for utilities needed as a basic human right.

I'm in arrears or over my overdraft limit can I still make a claim?

Yes, as you must be in financial hardship to make a claim, it is more than likely that you will be in arrears or over your overdraft.

 

How long do claims take to complete?

The claims process for Bank Charges does take longer than those for Payment Protection or Credit Card Charge claims so it is worth bearing this in mind as this is not a quick fix solution.

 

How much will I have to pay Holton Alliance?

This will depend on your individual case, please contact one of our specialist team for more advice!

     
Credit Card Charges   Personal Injury Claims
What charges can I claim back?

If you have received charges of over £12 on your credit card account you can make claim against your Card provider for a full or partial refund.

 

I don't have copies of all my statements which show the charges I've received, what should I do?

Before we can make a claim for excessive charges we need to know how many have been applied to your account so ideally need to see your statements so that we have a fait idea of how much we should be asking the credit card companies to refund to you.

If you don't have copies then we will need to submit a request to your card issuer asking them to send us copies so that we can then prepare your claim paperwork.

If we do need to do this, there is a fee of £10 charged by all lenders in accordance with the Data Protection Act 1998 which allows a fee to be charged of no more than £10 for the retrieval and preparation of documents.

If you don't have copies of your statements, we will need to ask you to send us a payment for this amount before we can make the request to you lender.

What do you mean by Partial refund?

The level of refund you are offered will depend on the Credit Card Provider involved, some will make you an offer to refund the full amount of the charge whilst others will only refund you the difference between what you have been charged and the £12 maximum fee suggested by the Office of Fair Trading.

 

Is there a time limit on claims?

Yes, you can only make a claim against charges applied to your account since 2004.

 

I have arrears on my Credit Card account, can I still make a claim?

Yes, you can make a claim even of you have arrears on your account.

Any refund you may be offered may be used to clear your outstanding balance which whilst not a cash refund into your account does mean that your overall debt will be reduced which may lead to lower monthly payments which are more manageable for you.

Any reduction in your overall card balance will help you to reduce your debt faster.

 

I'm in an Individual Voluntary Arrangement (IVA), does this mean I can't make a claim?

If the card you want to claim against is in clued in your IVA then unfortunately we won't be able to help you as any refund that we are likely to win for you will go against your arrears and you may therefore not receive any cash award.

If this is the case, you would still be liable for our fees which you may not be able to afford as you are already in an IVA and therefore we would be unable to accept your claim on this basis.

If your card is not included in any IVA agreement or has already been paid off then it is possible that we can claim against the loan but would need to speak to you first. If this is the case please call our claims team on 0161 268 8516.

 

How will my refund be paid?

This will be dependant on whether or not you have an outstanding balance on your card.

If you have an outstanding balance, your refund will as a rule go to clearing this balance with anything left over normally refunded to you as either a payment to your current account or in the form of a cheque.

How long will my claim take?

This will depend on a number of things but the average claim where we have copies of the original loan documentation which confirm PPI amounts is around 12 weeks if the Lender upholds the complaint.

Where we have to request copies of loan information from your Lender, an additional 40 - 45 days will be added to the length of your claim which allows for your Lender to prepare and return the relevant information before a complaint can be issued.

If your claim is rejected by your Lender and is therefore referred to the Financial Ombudsman Service for external adjudication, we will be unable to provided an estimated time for resolution as some cases can take years to be completed via this route.

 

Who is the Financial Ombudsman Services (FOS)?

The Financial Ombudsman Service are an independent body who are responsible for adjudicating complaints in cases where the Lender is not able to provide a response or in cases where you disagree with the result of a complaint investigation.

They will only become involved in cases where the internal complaints process with a Lender has been fully completed.

Where your complaint needs to be referred to the FOS, we will complete all relevant information and submit it on your behalf. We will then liaise with the FOS during their investigations into your complaint.

 

How much will I have to pay Holton Alliance?

This will depend on your circumstances but the majority of our customers will be subject to our No Win No Fee agreement.

You will only pay us a fee if we are successful in claiming back a refund for you and in such cases our fee is 25% plus VAT at the prevailing rate of the total benefit that you receive.

For example you receive a refund of £2000 paid off your card account and receive £1000 as a cash refund into your bank account. Our fee in this case would be 25% of £3000 (£750) plus VAT.

Other fees will apply if we are required to request copy credit card statements from your card issuer to confirm the amount of charges you have received.

 
What types of claim can I make?

Through our partnership with some of the UK's leading Personal Injury lawyers we are currently accepting the following claims:

  • Trips, slips and falls in a public place
  • Road traffic accidents as either the driver, a passenger, a pedestrian or a cyclist.
  • Accidents at work
  • Medical negligence

Your claim will be passed to one of our specialist lawyers who will contact you to talk you through the claims process.

 

How long will my claim take?

As claims of this nature require a lot of legal work, we can't give you an estimate on how long it will take to resolve a claim as some could take months or even years of legal wrangling before an offer is made.

Please bear in mind that making a claim is not a quick fix solution and that there may be many months involved before a company whom against your claiming respond to the initial complaint.

The lawyer dealing with your claim will be able to give you a better idea of expected time scales once they receive an initial response to the complaint.

 

What kind of compensation can I expect?

It isn’t possible to put an exact figure on this, as every compensation claim is different.

Normally the compensation you are offered is based on things like pain and suffering both past and future, as well as loss of earnings and other expenses.

The lawyer assigned to help you with your claim may be able to advise further on this but we wouldn't want to give you a false expectation by plucking a figure out of the air.

 

Why do you pass my claim onto a lawyer rather than deal with it yourself?

We want to make sure that you have every possible chance of
success in any claim that you make and by using specialist lawyers with a great deal of experience means that we can increase the chance of a successful outcome

How much will I have to pay if my claim is successful?

This will depend on the type of claim and the lawyer involved but most of our lawyers operate on a No Win, No Fee basis. Even then they claim their costs back from the other person so you get to keep 100% of the compensation awarded.

There are some instances where you may be asked to pay an up-front fee or will be charged based on the compensation received but this will be discussed in full with you before any work on your claim begins.