Question 1

How Do I Apply?

Accepted Answer

To request a claims pack, press the "Apply Now" button above or you can call us on 0207 619 3967 or send an email to info@ironstonelegal.com.

Question 2

How Do I Apply?

Accepted Answer

To request a claims pack, press the "Apply Now" button above or you can call us on 0207 619 3967 or send an email to info@ironstonelegal.com.

Question 3

How Much Do You Charge?

Accepted Answer

We charge a success fee of 32.5% + VAT (39% total) only when your claim is successful.

Question 4

How Much Do You Charge?

Accepted Answer

We charge a success fee of 24% inclusive of VAT for PPI (mis-sold payment protection insurance) claims only and 35% + VAT (42% total) of our all other services.
Packaged bank account claims are charged at 42% including any VAT.

Question 5

How Would I Be Updated With My Claims

Accepted Answer

We will keep you updated automatically via SMS throughout every stage of your claim. Please ensure that we have your correct phone number.
 
Our automated case handling systems ensure that you are notified of every development of your claim immediately via SMS.

Question 6

How Would I Be Updated With My Claims

Accepted Answer

We will keep you updated automatically via email throughout every stage of your claim. Please ensure that we have your correct email address.
 
Our automated case handling systems ensure that you are notified of every development of your claim immediately via email.

Question 7

How Can I Appeal a Decision?

Accepted Answer

Our team will help you to appeal the case by preparing the paper work for you to ensure that you receive the best outcome. If you receive a rejection letter, please call us on 020 7619 3967.

Question 8

How Can I Appeal a Decision?

Accepted Answer

Our team will help you to appeal the case by preparing the paper work for you to ensure that you receive the best outcome. If you receive a rejection letter, please call us on 020 7619 3967.

Question 9

My Provider Told Me I Don't Have PPI

Accepted Answer

If your bank told you that you do not have PPI, our expert team can recheck it and work with you throughout every stage of your claim. You won’t be charged for us checking on your behalf.

Question 10

How Can I Find Out If I Have Been Mis-Sold a Product?

Accepted Answer

Please refer to our Financial Mis-Selling page for more information.
 
All you need to do is give us the authority and we will investigate which products have been sold and then identify where mis-selling has occurred. When we identify mis-selling we will contact you and then commence your claim for each mis-sold product that we identify.

Question 11

How Can I Find Out If I Have Been Mis-Sold a Product?

Accepted Answer

Please refer to our Financial Mis-Selling page for more information.
 
All you need to do is give us the authority and we will investigate which products have been sold and then identify where mis-selling has occurred. When we identify mis-selling we will contact you and then commence your claim for each mis-sold product that we identify.

Question 12

I Can't Find The Answer to My Question on the FAQ Page

Accepted Answer

Please contact us on 020 7619 3967 if you have any question, our friendly team is waiting to assist you.

Question 13

I Can't Find The Answer to My Question on the FAQ Page

Accepted Answer

Please contact us on 020 7619 3967 if you have any question, our friendly team is waiting to assist you.

Question 14

My Claim Has Been Rejected by The Bank, Should I Go to the Ombudsman?"

Accepted Answer

Yes. After you receive a rejection letter from the bank, you have six months to escalate the matter to the Ombudsman or your claim would be time barred. However, you may still escalate the matter to the normal Courts using via litigation (subject to time limits).

Question 15

My Claim Has Been Rejected by The Bank, Should I Go to the Ombudsman?"

Accepted Answer

Yes. After you receive a rejection letter from the bank, you have six months to escalate the matter to the Ombudsman or your claim would be time barred. However, you may still escalate the matter to the normal Courts using via litigation (subject to time limits).

Question 16

A Few Years Ago, The Ombudsman Rejected My Application. Should I Try It Again?"

Accepted Answer

If you have been rejected by the Ombudsman and the evidence is still the same, it is unlikely the decision will change.

Question 17

A Few Years Ago, The Ombudsman Rejected My Application. Should I Try It Again?"

Accepted Answer

If you have been rejected by the Ombudsman and the evidence is still the same, it is unlikely the decision will change.

Question 18

I Have Received Two Different Payments, Is The Interest Paid Separately?"

Accepted Answer

Some lenders divide the payments into two parts; however, if you are not sure what you have received, you should contact your bank  or us so that we can clarify the redress amount for you.

Question 19

I Have Received Two Different Payments, Is The Interest Paid Separately?"

Accepted Answer

Some lenders divide the payments into two parts; however, if you are not sure what you have received, you should contact your bank  or us so that we can clarify the redress amount for you.

Question 20

When Will I Get My PPI Refund?

Accepted Answer

Unfortunately, you cannot speed up the process. Banks say it can take up to 28 days, although, occasionally it can take up to 8-12 weeks.

Question 21

Will Making Any Complaint Affect My Relationship With The Bank or My Credit Score?

Accepted Answer

Making a complaint for any mis-sold product will not affect your relationship with your bank/provider. Every bank/provider has a duty to treat you fairly and it will not affect your credit score

Question 22

Will Making Any Complaint Affect My Relationship With The Bank or My Credit Score?

Accepted Answer

Making a complaint for any mis-sold product will not affect your relationship with your bank/provider. Every bank/provider has a duty to treat you fairly and it will not affect your credit score

Question 23

How Can I Make a Payment to IronStone Legal

Accepted Answer

Go to the "Make a Payment" Page and follow the instructions

Question 24

How Can I Make a Payment to IronStone Legal

Accepted Answer

Go to the "Make a Payment" Page and follow the instructions

Question 25

I Don't Have My Account Numbers or Details. Can You Help?

Accepted Answer

If you have lost your paperwork or have thrown them away do not worry. If you know your lenders/banks we can find out whether if you had any mis-sold financial products!
We will make a ‘Subject Access Request (SAR)’ request to your bank/lenders, which will require them to provide any mis-sold financial products they have sold to you.

The quickest way to obtain information of your lenders is to request a credit history report. This can be done through Experian or My Credit Monitor with a 30 day trial of their credit report. Once you have obtained this report, please send it to us. Please note that, this information is not required, although you can speed up the process of your application and could help us to obtain faster result.

Question 26

I Don't Have My Account Numbers or Details. Can You Help?

Accepted Answer

If you have lost your paperwork or have thrown them away do not worry. If you know your lenders/banks we can find out whether if you had any mis-sold financial products!
We will make a ‘Subject Access Request (SAR)’ request to your bank/lenders, which will require them to provide any mis-sold financial products they have sold to you.

The quickest way to obtain information of your lenders is to request a credit history report. This can be done through Experian or My Credit Monitor with a 30 day trial of their credit report. Once you have obtained this report, please send it to us. Please note that, this information is not required, although you can speed up the process of your application and could help us to obtain faster result.

Question 27

I'm Not Sure My PPI Compensation is Fair

Accepted Answer

If you are not sure whether the compensation you have been offered is fair, you should check the factors that could possibly affect the amount of compensation you have been offered. If you believe anything is incorrect or you have been treated unfairly, you should contact your bank/lender in the first instance. If you are not happy with the final result, you have right to contact the Financial Ombudsman Service.

Question 28

The Firm Has Gone Out of Business. Can You Help?

Accepted Answer

If the business has gone out of business, our customers still have chance of obtaining compensation from the Financial Services Compensation Scheme.

Question 29

The Firm Has Gone Out of Business. Can You Help?

Accepted Answer

If the business has gone out of business, our customers still have chance of obtaining compensation from the Financial Services Compensation Scheme.

Question 30

I've Forgotten My Bank/Lender Details, How Can I Find These?"

Accepted Answer

The quickest way to obtain information of your lenders is to request a credit history report. This can be done through Experian or My Credit Monitor with a 30 day trial of their credit report. Once you have obtained this report, please send it to us.

Question 31

I've Forgotten My Bank/Lender Details, How Can I Find These?"

Accepted Answer

The quickest way to obtain information of your lenders is to request a credit history report. This can be done through Experian or My Credit Monitor with a 30 day trial of their credit report. Once you have obtained this report, please send it to us.

Question 32

Why Am I Paying VAT?

Accepted Answer

We would like to inform our customers that IronStone Legal does not benefit from charging VAT. Because we are a VAT registered company, we are required to pass on the VAT we collect to the government.

Question 33

Why Am I Paying VAT?

Accepted Answer

We would like to inform our customers that IronStone Legal does not benefit from charging VAT. Because we are a VAT registered company, we are required to pass on the VAT we collect to the government.

Question 34

I Have Fallen Into Arrears, Would I Still Receive Any Compensation?"

Accepted Answer

We would like to notify all our customers that if you have fallen into arrears with your bank/lender, they have right to deduct any fee from the compensation you have been offered.
 
Moreover, if you owe a substantial amount which is more than the compensation you have been offered you may end up with no cash at all. Before you commence any case with our company, we strongly suggest you to tell us your situation properly.
 
If you need further help on this issue, please do not hesitate to call us on
0207 619 3967 or send an email to info@ironstonelegal.com.

Question 35

I Have Fallen Into Arrears, Would I Still Receive Any Compensation?"

Accepted Answer

We would like to notify all our customers that if you have fallen into arrears with your bank/lender, they have right to deduct any fee from the compensation you have been offered.
 
Moreover, if you owe a substantial amount which is more than the compensation you have been offered you may end up with no cash at all. Before you commence any case with our company, we strongly suggest you to tell us your situation properly.
 
If you need further help on this issue, please do not hesitate to call us on
0207 619 3967 or send an email to info@ironstonelegal.com.

Question 36

Requirements for Making a PPI Claim?

Accepted Answer

It is a requirement that you must have used some form of credit such as; loan, overdraft, credit card, car finance, mortgage or store card.

Question 37

What Kind of Products/Accounts Include PPI?

Accepted Answer

Loans (Secured or Unsecured), credit cards, remortgage, car loan, store card, catalogue, finance, hire purchase, store finance, a mortgage, a personal loan or higher purchase agreement.
 
It is a requirement that you must have used some form of credit such as; loan, overdraft, credit card, car finance, mortgage or store card.

Question 38

Does a PPI Claim Affect My Credit Rating/Score?

Accepted Answer

Your application will not affect your credit rating/score or your relationship with the bank/provider.

Question 39

How Much Will I Get Back?

Accepted Answer

This varies as it depends on the time when the PPI was added to the account as this would determine the 8% interest we can win for you, how much PPI you paid (this can vary per month).

Question 40

Will You Charge Me If My PPI Claim is Unsuccessful?

Accepted Answer

No. We will only charge you if your claim is successful.

Question 41

How Far Can I Claim Back?

Accepted Answer

There is no limitation. We can discuss this in more detail if you call us on 020 7619 3967.

Question 42

How Long Will it Take to Get My Money Back?

Accepted Answer

It can take up to 2 to 3 months.

Question 43

What Does a Packaged Bank Account Include?

Accepted Answer

There are different services or insurance that are usually provided within a packaged bank account, including the following but not limited too; Travel insurance, card protection, legal expenses, extended warranties, product breakdown/accidental damage, mobile phone insurance, car breakdown or discounts.

Question 44

How Much Compensation Am I Likely to Get?

Accepted Answer

If you were mis-sold a Packaged Bank Account, you could get back the fees you have paid. For example, if you have paid £20 per month for one year, you could get £240 (12×20) plus the interest.

Question 45

How Much Would a Packaged Bank Account Cost?

Accepted Answer

It could cost anything between £5 to £20 per month/week.

Question 46

How Far Can I Claim Back?

Accepted Answer

Usually there is no limitation on making a claim for your Packaged Bank Account. However, if your Packaged Bank Account was closed six (or more) years ago then it can be hard to make a claim. This is because the bank/provider may not have your personal details anymore.

Question 47

Can't I Purchase Any of the Features of a Packaged Bank Account Separately?

Accepted Answer

You can purchase some of the features of a Packaged Bank Account separately for less.

Question 48

How Do You Know If You Have Been Sold a Packaged Bank Account?

Accepted Answer

Check your bank statement. If you notice a monthly fee taken from your bank account that could be the fee for the Packaged Bank Account.

Question 49

I've Already Closed My Account. Can I Still Make a Complaint?

Accepted Answer

Whether your account is closed or not. We can still make a complaint.

Question 50

Will Complaining About My Packaged Bank Account Affect My Relationship With My Bank/Provider?

Accepted Answer

Making a complaint for your Packaged Bank Account will not affect your relationship with your bank/provider. Every bank/provider has a duty to treat you fairly.

Question 51

How Do I Start My Complaint?

Question 52

If I Make a Complaint, Can I Keep My Existing Account?"

Question 53

Do I Need to Provide My Original Documents?

Question 54

I No Longer Have or Forgotten My Details, Can I Still Make a Complaint?"

Question 55

I Have Used Some of the Features of my Packaged Bank Account. Am I Eligible to Make a Claim?

Question 56

What Will Happen If You Are Not Entitled to a Refund?

Question 57

What Are The Examples of Packaged Bank Accounts?

Question 58

Are The Any Other Forms or Names For Interest Rate Hedging Products?

Question 59

How Much Compensation Could I Get?

Question 60

How long will it take to discover if I have a claim?

Question 61

How long will it take to recover my money if I do have a claim?

Question 62

How much could I receive?

Question 63

Will this affect future tenancy agreements I wish to make?

Question 64

Do I need to speak to my landlord directly?

Frequently

Asked

Questions

CONTACT

LEGAL