So I’m pretty sure I’m entitled to make a claim for missold PPI from my bank and also from my credit card company but I have been lax on actually getting the process started.
Part of me thinks that I could do this all myself and I’ve found a site where you can download a ppi claims form but then again I have to think that it’s taken me months (scrap that, probably years) to even get to this stage and will I ever get around to do it?
Therefore, I am favouring the route of hiring a claims company to deal with the majority of the paperwork and communications with my lenders. It’s not that I won’t have to fill out anything because they’ll still need all the same details but once I have given this to them, they will be far better at things such as chasing decisions and payments – after all, they work on a no-win-no-fee basis.
If I don’t get one of these specialists to take my case on, I imagine things would take far longer because I wouldn’t be nearly as proactive in speaking to the companies involved to make sure that I get what I am entitled to. And I wouldn’t whether to make a deal for faster payment or stick to my guns.
Basically, what I am admitting to here is that I am pretty busy (some would say lazy) and while I know that the claims people will take a fair chunk of any settlement I get, surely this is better than not getting around to doing it at all?
And if they can argue for the maximum compensation, I might still end up with more money than if I did it myself.
I’m going to sleep on it a few more time before I make the decision and read a little more about it online but it seems to me like the easy way is my way.