Month: April 2020

A Miscalculated Mortgage Claim: Are you a Victim of Bad Advice?

Posted on April 30, 2020 by Hannah Fletcher - Blog, Miscalculated Mortgage Claims, Uncategorised

A Miscalculated mortgage claim can be a nightmare if it isn’t handled correctly. There are so many reasons why you may have received a bad mortgage. It can be quite difficult to figure it out on your own, after all the reason will be quite personal and depend entirely on your own financial situation. That’s why it can be useful to learn whether or not you have been the victim of bad financial advice with the help of a mortgage claims specialist.

The more information you know about your claim, and how your mortgage may have been mishandled by your bank or broker, the more likely it is that you are going to have a successful claim. So, let’s learn about some of the reasons why your case may not have been personalised for your needs. They are not as complicated as you may think!

The Basics of Miscalculated Mortgage Claims

So, before we jump into some examples of how bad financial advice may have landed you with an inappropriate loan, let’s learn some context behind UK mortgages in general. This should help ground you before you move forward to make your claim. Let’s start off with a general description of what mortgages actually are.

Now, according to The Money Service Advice, and their fantastic beginners mortgage guide, a mortgage is a

“loan taken out to buy property and land.”

This loan can run on for about 25 years, however it can be shorter or longer depending on your personal circumstances. Now, a mortgage loan tends to be secured by the bank or broker by having it placed against the value of your home until it is actually paid off. Any payments will have interest on them.

Sounds simple, right? It is if you are careful with your payments. However, things are never that simple. If it was then most people would be able to afford their repayments without any worries. However, things can get extremely tricky if you get bad financial advice from the get go.

The Definition of Bad Financial Advice

As you can see, miscalculated mortgage advice can be more complicated than it seems. Most people simply assumed that the amount of their payments are incorrect, therefore they might get a refund out of it. However, if that was the case then may just have to accept that you made a bad investment. Instead, it is more about the concept of help.

You went to a bank or broker to get the best mortgage for you, only to find that they were not the ultimate source of monetary and mortgage knowledge. The advice you were given has put you in a worse financial situation than you would of if you had not taken it. Therefore, you are due compensation. How much you get depends on how much was put in.

How do I know if I’m a Victim of a Miscalculated Mortgage?

Now, there are many different ways that you could be due a miscalculated mortgage claim, especially if you mortgage has caused you to suffer from:

An inappropriate interest rate
Negative Equity
Being unable to pay your mortgage
High Fees

If you have noticed this happening to you, then you may have fallen into the trap of having a miscalculated mortgage. So, you may be asking yourself “But how did this happen to me? I was so careful!” Well, there are a number of examples of what may have happened to you. Take a look at our top 5 routes to being mis-sold mortgages for your home. Who knows, you may find that you have fallen into one of them yourself!

Example 1

Not all of us took out our mortgage back in 2004 when the FCA (Financial Conduct Authority) first came into play. Some of us had taken out poor mortgage advice from a bank or broker before “M Day’s” regulations came into play. Before then, mortgages were sorted through The Mortgage Code Compliance Board (MCCB) and were based on the trust of the loaner. With the emergence of M Day, mortgage advisors now needed to be completely qualified and had to provide customers with a satisfactory amount of evidence to show that they understood what they were getting into. Usually this was illustrated through a Key Facts Illustration (KFI.)

If your mortgage was taken out before 2004, then this could give you the grounds to claim compensation. This is because your lender did not follow the proper rules and procedures to helping you. You did not have proper advice on your mortgage and may have been overcharged. Therefore, you have every right to raise a complaint and seek out the help of a miscalculated mortgage claim specialist.

If you have also passed by your retirement age or your mortgage is due to pay out, this may be another reason why the old mortgage man may have a claim. It if it clear (at the time you were given advice) that you were not meant to carry on paying your premiums after you retired, you definitely have a claim on your hands.

Example 2

Although the Financial Ombudsman has stated that:

“If someone’s told their lender they can’t afford to pay off their mortgage, we’ll check the lender has responded sympathetically and constructively – even if they didn’t give advice about the mortgage.”

Not everyone has a lender that will do that. Some lenders may advise their clients to self-certify (aka. Borrow money without having to prove your income) or overstate their income in order to borrow more. This means the amount you need to pay back may be too much, even if you pay back your mortgage through monthly payments.

If this has damaged your standard of living, or perhaps it is making it harder to pay back the loan altogether, you may be able to make a mortgage miscalculation claim. This is because it is clear that you have been ill-advised and have not had a recommendation based on your personal situation. A specialist mortgage claim solicitor can help you figure out what you can do next!

One more thing that may be forcing Over-Charged Ola to pay more than she should be paying is due to a sneaky PPI tax. PPI (Payment Protection Insurance) is usually placed on top of loans as a form of protection against illness or death. Even if it’s refunded, there may be some tax taken out of it. If you think you have a PPI claim, make sure to check out Gowing Law Solicitor’s blog and PPI form to get specialist advice on how to get your money back.

Example 3

You’ve probably noticed a theme running through these types of claims: They all happen because a financial specialist has given a client some bad advise. This is the same for Sammy Switch. When he first took out his mortgage, he may have had his doubts about it. So he was advised to switch lenders to get a better mortgage deal. Whilst this may have sounded good in theory, he was not told about the different fees and penalties that went along with this change. So, he did not realise that he was being over-charged for his early exit from his original agreement.

This could mean that you are basically paying for the exit fee of your original mortgage, as well as any fees that come along with your new mortgage. If you have been ill-advised on how to handle this, you may have the opportunity to make a claim for a miscalculated mortgage.

Example 4

Now, there is a bit of a sneakier way that brokers and lenders can squeeze some extra money out of you. This is through a commission fee. Most lenders won’t tell you about this until the mortgage is decided upon and then this fee is included in the paper work. You do not have to pay commission fees to a legitimate bank or broker. In fact, it is just a way that the lenders can ”legitimize” themselves. You should not have to pay this fee. That is why you may be able to make a claim in order to get this fee back, as well as secure some extra costs from your mortgage miscalculation.

Example 5

Originally, you may have been like Frank. You received a fixed-rate mortgage, which meant that the rates stayed the same. You were able to pay back a respectable amount per month. However, on the advice of your bank or broker, you may have been told to re-mortgage in order to find a better deal and payment plan for the future.

However, like Sammy Switch, they have not understood that there are fees in order to change mortgages. Frank did not realise that he would have to pay additional costs and penalties for leaving his fixed rate early. So, that means not only is he trying to pay his new mortgage, but he is currently “out-of-pocket” trying to end his older contract. It is a messy situation that means that financially Frank is losing out. This is why he has every right to ask for help filing a miscalculated mortgage claims from a law specialist.

Do you recognise yourself in any of these claimants?

All these claimants have clearly received incorrect information when choosing a personal mortgage. If you think that you are in a similar situation to them, then it may be time to look through your different mortgage contracts to see if there is any small print you are not sure of. You can complain to the Ombudsman Financial Services or FCA. However, complicated mortgages can leave you unable to confirm your case without a specialist’s aid.

How much can I claim?

Unlike PPI claims, mortgages tend to be more focused on your own personal situation. You need to consider how much you have put into your mortgage, any additional fees and how much you could now be sitting on without the mortgage draining your finances. Win your entitled money. In other words, the money that you have overpaid to the lender.

How can Gowing Law Solicitors help you?

You may be wondering what your next steps should be in reclaiming your miscalculated mortgage. Well, you don’t need to do that on your own. With Gowing Law Solicitors, you can leave all of the tricky paperwork to us. We have experienced mortgage claim advisors on hand, ready to help you organise your information and inform you about whether or not you have a claim. All you need to do is contact us through our miscalculated mortgage page and fill out our contact sheet with your name, phone number and email. Our miscalculated mortgage page contains tons of useful information that will help you better understand whether or not you have a claim. So, why not go and have a look for yourself! Send your claim in to our specialists and you can end up with a fantastic result, aka. Compensation for your miscalculated mortgage.

Contact Gowing Law Solicitors today: The Top Miscalculated Mortgage Claim Experts in Manchester

We want to hear from you today about your claim! We offer expert advice for free and work on a “no win, no fee basis”, meaning that there are no hidden fees when it comes to handling your claim. You can contact us at 0800 041 8350. But also feel free to email us at info@gowinglaw.co.uk. or use our contact form.

We look forward to hearing from you soon about your claim!

I’ve been mis-sold a mortgage! What can I do?

Posted on April 28, 2020 by Hannah Fletcher - Blog, Mis-Sold Mortgage Claims, Uncategorised

Mis-sold Mortgages are never fun to deal with. Over the last couple of weeks, UK citizens everywhere have experienced the effects of the corona virus and how it has made their mortgages even more difficult to pay back. It was only on the 23rd of April that the “partial lockdown” on mortgages was lifted, however it does not change the fact that many citizens still have to pay the money back thanks to their “mortgage payment holiday.” This is only made worse if you are paying back more than you have to!

So, how do you even know if you have been mis-sold a mortgage? Better yet, how do you actually get mortgage mis-selling compensation? Gowing Law Solicitors, the top Manchester mortgage lawyers, are here to put you on the right track and help you reclaim all of the money that you have lost. Here’s what you need to know!

What is mortgage mis-selling?

Mortgage mis-selling can happen to anyone who has been over-paying their mortgage. Loaners (such as banks and brokers) may advise you to take a certain loan without fully considering your situation and how much you can actually afford. Your mortgage will need to be paid back through small payments that you can afford. However, if you are been mis-informed about what would best suit your budget, it is obvious that you have a mis-sold mortgage claim on your hands.

Like Donald, being mis-sold a mortgage can differ from person to person. However, the main gist of a mis-sold mortgage is that you were not given proper advice on what mortgage you should take. It is not even really about the money, instead it is the fact that you took a risk with your mortgage that turned out to be more riskier than you originally intended it to be. As the FCA (Financial Conduct Authority) puts it. Any financial advice sold to you much be:

“fair, clear and not misleading”

This is what you can claim compensation for.

How is being mis-sold a mortgage different to a miscalculated mortgage?

The main difference between the two problematic mortgage claims is due to the lender’s “intent”. Although both of them mean that you are paying more than you have to, a miscalculated mortgage may have been due to an error in the calculation. A mis-sold mortgage implies that the lender did not check their facts and gave you a mortgage that did not suit your situation. Sometimes this may have been on purpose to make you pay more. With either of these claims, you will be able to claim a substantial amount of compensation.

For more information on miscalculated mortgages, please check out our blog! There you will find all the basics of miscalculated mortgage claims and more.

Can I have some examples of financial mis-selling?

There are so many ways that you have received a mis-sold mortgage. Some are more complicated than others. So, to make things a little more simpler, let’s divide them into two categories depending on their difficulty :

Simpler Cases of Mis-sold Mortgages

A few cases of mis-sold mortgages are pretty clear on why the claimant may be owed compensation. This may be because:

The claimant already retired after the mortgage end date
You were told to self-certify (aka. Borrow more money without having to prove your income) by your lender
A lender told you to overstate your earnings/income in order to borrow more money
You were not told that your lender would be owed a “commission” for selling you the mortgage
You were recommended switch lenders but were not told about any “switching” fees
Your lender had you on a fixed rate mortgage, but were advised to switch without being told of any fees for leaving the scheme.

As you can see from any of these examples, the financial mis-selling came as a result of bad advice. Sometimes there may not have ever even been advice in the first place! You may have simply been told to take out a mortgage and then were told to do something different. You mortgage should reflect your situation and should be based on your own personal finances.

Complicated Cases of Mis-Sold Mortgages

Keep in mind that if everything was simple then we would all be top mis-sold mortgages lawers in Manchester. Unfortunately, there are cases where it may get a little more complicated. If you have any of the following you may also be entitled to a mis-sold mortgage claim:

Endowment Policies
Interest- Only Mortgage
Self-Certification
Retirement Lending
Subprime Mortgages

Whilst these category names may seem a little intimidating, if you have a genuine reason to believe that you fall under them, you could be owed a lot in compensation! Let’s learn a little more about them:

As you can see, the policies are a little more complicated, but if you have the right documentation then you should be able to get compensation.

What do I do now? I have mis-sold mortgage claim!

Now that you are confident that you have a mis-sold mortgage claim, it is time for you to get a trained mortgage solicitor in Manchester on the case. No matter what your claim is, if you find yourself still repaying your loan even if your mortgage ends, Gowing Law Solicitors wants to help you!

You can file a complaint with your mortgage provider or ask them for specific documents to prove your case. Remember to file these documents in an orderly fashion. The more informed you are about your case, the more likely that you are going to get a good pay out. You may have even found that PPI was placed on top of your mortgage. If you have claimed for that back then don’t forget about the tax. We are more than happy to offer advice on the basics of PPI tax reclaims.

Here is what you need to do if you have a genuine mis-sold mortgage claim:

Having a trained mortgage mis-selling lawyer on your side will give you an extra boost of confidence. It can be difficult going against your lender in court. That’s why having a law expert will keep all of your information in order. They will present a strong case that will ensure that you get the compensation that you deserve. However, there is no harm in also involving the help of the Financial Ombudsman bureau.

How much could I earn in compensation?

Now, this depends on the type of claim you have and how much money you put into your mortgage payments. Every case will come out with a different financial outcome if it is won. However, if you have put a lot in then there is a chance you will get a lot out. Speak to our Gowing Law Mortgage specialists to get an estimate of how much you could earn. That way, we can learn about your case and how much we can help you with it.

How long do I have to claim my mis-sold mortgage?

Like other PPI tax reclaims, there is a deadline on when you can actually claim for a mis-sold mortgage. You must lodge your complain in 6 years from when you took the mortgage out. However, in certain circumstances this time may be extended, such as 3 years on from when you found out you were mis-sold the mortgage.

What if I am no longer the owner of the property that was mortgaged?

If you have been paying too much for the interest on your mortgage, you can still make a claim on it, even if you do not own the house anymore. What matters is that money was taken from you, and you were given bad advice. If you were forced to downsize or your house was re-possessed, this will give you more evidence that you can make a claim!

You can also still make a claim if you had a shared mortgage, recently divorced or had a joint account. Your partner may also be entitled to compensation.

Want to learn more information about the law?

Don’t forget to check out our additional blog topics! We go into the basics so that they are understandable, and will help you get started on your journey into the world of law. For instance, if you’re interested in immigration, and potentially getting a visa, you may want to check out our blog on the basics of immigration and UK visa categories.

Do you have a topic you want us to cover in our blogs? Let us know and we can write about it ASAP!

Contact Gowing Law Solicitors for help!

If you want more information about how our mis-sold mortgages solicitors can help you, make sure to visit our information page! Our experts can make sure to take your case and help you get the compensation you deserve.

To find out more, please call Gowing Law Solicitors now at 0800 041 8350 or use our email info@gowinglaw.co.uk. You can also contact us through direct message.

We look forward to hearing from you soon and wish you the best of luck with your mis-sold mortgage claim!

Miscalculated Mortgage Claims: What you need to know!

Posted on April 28, 2020 by Hannah Fletcher - Blog, Miscalculated Mortgage Claims, Uncategorised

Miscalculated mortgage claims are a bit of a headache for clients to deal with. No one likes being told that they are paying more for their home than they need to. After all, you could have been using that money for bigger and better things, plus it’s quite disheartening knowing that banks and brokers (who are meant to have years and years of experience in the industry) aren’t as perfect as you think they are. But don’t worry! Whilst your bank/broker may have mis-sold you a mortgage that didn’t suit your needs or your home’s condition, Gowing Law Solicitors is here to help you learn why you may be entitled to a claim.

Before we dive into the world of mortgages and their miscalculations, our specialist mortgage solicitors in Manchester are here to assist you in your claim. They are trained to take on the most challenging of claims and make sure that you get the pay-outs that you deserve. With their help, you will be supported throughout your legal journey to ensure you fully understand how your claim is being processed. That being said, the best way to understand whether or not you have a miscalculated mortgage claim is to learn about mortgages in general. In this guide, you are going to be informed about how you can tell if you have a claim, what you need to know about mortgages and how the miscalculations happened in the first place, additional mortgage issues and what you need to do claim back your money.

Of course, if you have any additional questions then feel free to contact our miscalculated mortgage claim experts in Manchester. They would be more than happy to offer you their specialist advice about miscalculated mortgage claims free of charge!

What is a Mortgage?

Okay, so we are starting off with a pretty obvious point. But sometimes it’s essential to list the basics so we can round off some of the more complicated points. According to The Money Advice Service mortgages are loans “taken out to buy property or land.” The majority are secured against your home and can last for around 25 years (however this is flexible, depending on the type of mortgage you take out). The value of said loan is made secure against the value of your home until it is paid off. To understand a little more about mortgages, take a look at this video made by Wall Street Survivor. It is full of useful tips to help you get to grips with the topic:

It’s important to only make reasonable payments to ensure you can keep paying back small amounts of your home. However, your broker/bank may not always be able to help you get the perfect payment plan for you. This is where mistakes are made, and why you are paying more than you should be.

What is a Mortgage Miscalculation?

To put it simply, when someone decides to take out a mortgage to afford a house, business residence or land, they will go to a bank or a broker. From there, a set amount of interest is decided on, depending on how big the loan is and the amount the house/land is worth. This is agreed between the bank/broker and the client. However, when a bank/broker overcharges their client for their loan, rather than stick to the intended agreement, this is when you have a miscalculated mortgage claim on your hands. Our specialists in financial property claims can then step in to get your money back.

Are there any other reasons why I could make a miscalculated mortgage claim?

Of course, things are never simple, so some mis-sold mortgages can be difficult to spot. You may be wondering to yourself, ”Can’t I just look at my mortgage statements and compare them to how much I’ve been paying?” Well, yes you can, but a miscalculation can also be due to the fact that your bank/broker gave you bad advice in the first place.

Back in the olden days (aka. Before 2004), there weren’t any regulations that had been put in place to supervise and regulate mortgages in the UK. Instead, lenders tended to follow a voluntary code, known as the “Mortgage Code Compliance Board”, also known as MMCB. However, after the 31st October 2004, now known as M Day, the FSA (predecessor to the FCA) decided to regulate each mortgage and make sure that all advisors were qualified.

Unregulated Rules

As the rules were not previously regulated, if your mortgage was not fully agreed on under the new rules, that means that you could have a miscalculated mortgage case on your hands. You may also have a mortgage claim if you have been affected by the following:

Your mortgages end date commences after you have retired.
Advisors told you to that it would be wise to overstate your earned income so that you could borrow more.
Advisors told you that you should self-certify, aka. Borrow money without proving that you earn a specific income.
Your advisors told you that you should switch lenders but did not tell you about any potential fees or penalties
Your bank/ broker gave you a fixed-rate mortgage but then told you to re-mortgage later on when a better deal with offered. That meant you incurred penalties for leaving your fixed rate earlier than what was agreed.

As you can see, there are a lot of reasons why you may have had a mortgage miscalculation claim. That’s why before you move forward to making a claim, make sure to look through all of the documents you received about your mortgage. If you read them carefully, this should give you an impression about whether or not you were treated fairly. Additional feedback and assistance can be given if you show your mortgage claim specialist in Manchester this information. They can help you understand if you are owed anything from your lender.

Who can be affected by a mortgage miscalculation claim?

Honestly, anyone can be affected by a mortgage miscalculation claim. Whilst it may be easier to make a claim if you have had a mortgage for a longer period of time, if you have taken out a mortgage recently, you may already been the victim of financial miscalculation. This isn’t because the policy itself is bad, it’s just because it isn’t a policy that will suit you. To put it more simply, have a look at this example of mis-selling:

As you can see, it’s not as complicated as you think. The mortgage policy simply did not fit you and now you need to claim compensation. Whether you have had it for several years or have recently taken out a loan on your home, it’s better to check whether or not it is the right fit for you. That way you can make sure that you are not paying more than you need to.

What could happen if your mortgage has been miscalculated?

Naturally, if you are dealing with a mortgage miscalculation claim, your trust in your bank/broker may be a little shaken. You have expected that your bank/broker is acting in your best interest, yet here you are having been forced to pay far more than you originally expected.

Your miscalculated mortgage may have also caused you to endure the following outcomes:

An inability to pay your mortgage
High fees
Negative Equity
Unsuitable interest rates

However, what you really can expect from an incorrect mortgage calculation is financial compensation. Whilst some people can expect a large remuneration, it’s important to understand that mortgage mis-calculation compensation’s main goal is to return you to the same position you would have been in if you had not been mis-sold your loan in the first place. Again, let’s put this in a simple way that should show you how the process works:

If you come to a mortgage mis-claim solicitor from Gowing Law, please bring as many details as you can about how much you have paid into your mortgage, as well as any information on whether anything has changed. The more you tell your mis-sold mortgage specialist, the better the outcome of your pay-out.

PPI claims and Miscalculated Mortgage Claims

According to the FCA, all financial services (including mortgages) must be sold to the client in a “fair, clear and not misleading” manner. So, to think that you may also have an additional potential payment on top of your mis-sold mortgage is disgraceful.

PPI (aka. Payment Protection Insurance) was an additional policy placed on top of loans or any sort of financial borrowing services. It was used as a safety blanket, so if you got sick or couldn’t repay the loan due to an emergency, this would cover the costs. However, a lot of these claims were mis-sold. For example, they were given to people who were self-employed, which didn’t make a lot of sense since they weren’t being employed by a firm or company. A lot of people tried to get their money back through a PPI claim, however they discovered that they were taxed on top of this.

There is a way to claim back this tax with the help of a specialist PPI solicitor from Gowing Law Solicitors. Check out our blog on the basics of PPI for more information! Better yet, if you think you have a claim, why not fill out our simple PPI form to help get you started. Our experts are here to offer you free advice on you PPI and miscalculated mortgage claims.

Deadlines for claims

According to the FCS, you have around 6 years to re-claim any sort of compensation from a mis-sold mortgage claim. So, if you want to claim a payment for a mortgage taken out in 2014, you are probably too late as the deadline for that would be at the start of April 2020. However, don’t panic if you have not managed to hit this time frame! A claim deadline can also be calculated 3 years from when you realised something was wrong with your policy. As long as you hit one of these deadlines then you should still be able to make a claim. Ask a Gowing Mortgage expert for their advice if you are unsure about whether or not you can make a miscalculated mortgage claims.

Corona Virus & Miscalculated Mortgage Claims

Now, this is a topic that may worry you about your claim. The corona virus (aka. Covid-19) has made it quite difficult for law firms to continue with regular claims thanks to social distancing and the imposed quarantine. However, the corona virus should not be a reason why you cannot make a mortgage miscalculation claim.

The first thing that you should have a look at is the FCA’s guidelines about mortgages and the corona virus, making sure that you check up on how payment holidays can help you to keep paying your mortgage, as well as information on what you can do if you are behind on your payments.

Don’t worry! If you still have a claim then Gowing Law Solicitors is here to help you get the money you deserve. We completely understand that you cannot come in to see us right now, however we can process your claim remotely. All you need to do is let us know your situation. You can then fill out our compensation form and then let us take care of the rest. It is that simple!

How do you make a Mortgage Miscalculation Claim?

Now, the first thing you need to do is figure out whether or not you have a claim. Of course, you can put in a claim on your own. After all, according to the FCA over 75,000 individuals have managed to do the same. The Times have eveen stated that these claims could total up to £150 million! However, the best advice can come from the top specialists for miscalculated mortgages. This includes the experts from Gowing Law Solicitors.

We have created a special mortgage claim contact form that will simplify the claims process. All you have to do is let us know your name and contact details. From there, we will contact you and ask for specific information about your case. Our specialists will use their expertise to let you know whether you have a claim. You don’t have to go through this claim on your own. We are ready to work with you and help you receive any owed payments.

Ready to learn more about the law?

We are dedicated to informing our clients about a variety of law topics in simple terms. So, if you have finished looking at our latest mortgage miscalculation topic, why not check out a different topic? We have information on the basics of UK immigration visas and PPI tax reclaims. These blogs are a great place to get started!

Ready to contact us about your miscalculated mortgage claims?

Remember, no matter what sort of mortgage you have, Gowing Law Solicitors is ready to assist you with any claim. You can seek our advice for free and we work under a No win- No Fee basis. That means that there will be no hidden fees!

If you want to contact us about your claim, please call 0800 041 8350, email info@gowinglaw.co.uk. or use our contact form.

Let us know if you have any questions!

Which UK Visa do you need for the United Kingdom?

Posted on April 27, 2020 by Hannah Fletcher - Blog, Immigration, Uncategorised

“What UK visa do I need?” is a common question from clients who are looking to make the next step with their immigration status. When you are on the outside of this sort of situation, you may be thinking that it’s easy to get a visa. You simply fill out a form, send the UK Government some documentation and suddenly you have an approved visa UK citizens can’t refuse! If only it was that easy. Right now, the UK is relaxing their immigration laws due to the outbreak of Covid-19, however this won’t be forever. That’s why if your visa is set to expire or you need to simply renew it, it’s time for you to consider your options.

With the help of Gowing Law Solicitors, we can assist you in picking the perfect visa for you. That way you can settle in the UK permanently and, eventually, obtain British citizenship.

The Basics: How to claim your Visa

Before we dive into the types of visas available to you, let’s start off with how the UK visa system actually works. Now that Brexit has been practically signed and sealed, it is crucial that you obtain your citizenship before January 2021. This is when Britain will fully pull away from EU law and start to regulate itself, most likely discarding the majority of rules that were originally put into place.

So, what do you need to know about the Visa system to get started? Well, recently the UK has been talking about potentially moving away from the EU’s free movement as an attempt to lower immigration levels. Instead, it is considering to adopt a point system to calculate whether or not an immigration has the correct criteria to gain indefinite leave to remain. Take a look at this quick video to help you understand the basics of the point system:

Now, if we are going to be honest about the UK’s point system, it is basically a way of ensuring the people coming to the country are well-educated and have high-paying jobs. You can gain points for the following:

Educational Qualifications
Future Earnings (aka. High job salary, over £25,600)
Sponsorship (from a company, university or work body)
Full grasp of the English language
Self-sufficient Funds

Gowing Law Solicitors can help you figure out how many points you can accumulate in order to get your UK Visa. Remember to keep an eye on the points system debate to see how it develops in the future. The BBC is a great place to start.

You may also want to check out our recent blog on the basics of the right to remain. This will teach you your immigration rights and how Gowing Law Solicitors can help you move forward.

Entitled Services

Once you have proved your “settled status” or “pre-settled status”, then you will have the right to the following services:

Being able to stay in the UK for more than 3 months
The Ability to work in the UK
Studying in the UK
Using the NHS
Claiming a State Pension
Being able to rent a home in the UK

Do you even need a Visa in the UK?

A quick point to make before we move onto the different types of Visas is about your own eligibility. In some circumstances you may not even need a Visa to take up a residence in the UK. This will depend on your nationality. For instance, you will not have to apply for a UK visa for a trip to England, Wales, Scotland or Northern Ireland if you are:

A Commonwealth Citizen
An EEA Citizen
A Swiss Citizen

You may also be eligible for travel without a Visa if you already get a UK pension. As you can see there are many different ways that you can visit the UK. Just make sure to check the government’s website to check whether you may be exempt from a Visa.

Your Visa Choices

If you are interested in coming to the UK, you will have a range of visas to choose from. Take a look at some of these examples:

Each of these visas contain a specific tier ranking, meaning that you are going to have to achieve a set number of points to be eligible. If you can apply for a certain level then this may mean that you can receive a UK Settlement or even British Citizenship.

Here is what each category means:

1. Level 1 Tier: High-Valued Migrant

Level 1 includes people of exceptional talent in science or arts, entrepreneurs, graduate entrepreneurs, investors and highly-skilled workers.

2. Level 2 Tier: Skilled Workers

Level 2 includes general workers, ministers of religion, sportspeople and intra-company transferred employees.

3. Level 3 Tier: Low-Skilled Workers

This level has been (at present) suspended. Originally it was to allow for low-skilled workers to enter the UK during labour shortages.

4. Level 4 Tier: Adult Students

Level 4 is reserved for adult students over the age of 16. If the person is studying on a National Qualification or a university/college study programme, they will be eligible for this visa.

5. Level 5 Tier: Temporary Workers

Temporary workers may include people travelling into the country for new business ventures. This includes the arts, sporting events, charity events, religious work, government-authorised exchange, youth mobility schemes and International agreements (GAT.)

When you are looking at the different levels available, make sure to pick based on your own skill set and the reason why you want to enter the UK. That way you can feel confident that your green card will be approved.

The Main Visas: What do you need to know about them?

As you saw from our previous chart, you can basically organise the different visas into education, work and family. These are the fastest ways that you can be considered for a settlement status. Whilst all of them entail that you understand English, potentially have a job or income that can keep you sustained, they do each have specific criteria and information that is crucial to remember. Here is what you need to know:

All of the Visas UK authorities can offer you have several things in common. You need to make sure you have the right level of language to apply and that you can support yourself. That way you can be independent and find a place for yourself within the culture of the UK.

If you need any more information on specific visa types, please check out the government website. They have the most updated information on gaining a settled status in the UK.

Applying for a Visa

With the help of an immigration law solicitor in Manchester, you have a higher chance of getting a green card for your stay in the UK. Before you speak to your immigration expert, make sure that you have all of your information in order. This includes:

Your Passport
Any sponsorship confirmation letters
Evidence that you can support yourself financially
Proof that you are fluent in English
Proof of payment for your health-care sub charge
Confirmation of education placement
Evidence of job position in the UK
Birth certificates or proof of spouse/family relationships

File these documents away carefully and then give them to your lawyer at Gowing Law Solicitors. They can recommend the best visa for you and support you as you begin your journey to settle in the UK. If you are planning on staying longer than 6 months, you may need to obtain a biometric ID.

How much does an immigration Visa for the UK cost?

This depends entirely on which of the visas you go for, and whether or not you go for expedited information process. However, most visas will cost over £500 unless you fall into a category that exempts you from the fees. Keep in mind that visas are expensive and change their cost depending on how long you want to stay in the UK. Make sure to discuss this with your lawyer to ensure you have enough funds to pick the right one for you and your situation.

How long will it take for my UK Visa to be approved?

Again, this depends on your own personal situation. However, most are processed within 10 days. Others may take longer, up to 30 days, if they are more complicated. Consider your own situation and try to display your information as clearly as possible. The more transparent you are with your documents, the faster it will be processed.

Employ a Specialist Immigration Lawyer to help you!

Taking the step to move your life from one country to another can be a scary prospect. It’s complicated and you may not have the experience needed to ensure that you can do it on your own. But you don’t need to be alone. Gowing Law Solicitors provides helpful legal assistance in relation to immigration statuses. All you need to do is fill out our helpful application!

A Gowing Law Immigration Solicitor can help you complete any complicated forms and paperwork in relation to your right to remain. This new service is only £250 plus Vat per applicant! We will make sure that your application has all the information needed to make sure you can stay in the UK. So, why not contact us for some advice now! Our specialist immigration team would be more than happy to help you.

Ready to learn more?

We aim to make the law simple for you to understand! We have recently focused on immigration blogs, however our previous topic from last week was PPI tax reclaims! Learn all about the basics of PPI tax reclaims and whether or not you can make a PPI tax claim if you are self-employed. We make PPI tax claims easy. Check out our blogs now!

Contact Gowing Law Solicitors now about your UK Visa

No matter what sort of immigration issue you have, Gowing Law Solicitors, Manchester’s top law firm, are here to help you solve it. Contact our team now by phone, at 0800 041 8350 or through our email, immigration@gowinglaw.co.uk. You can also use our contact page to message us directly.

We wish you the best of luck with your application and look forward to hearing from you soon.

Do you have the right to remain? Here’s what you need to know!

Posted on April 24, 2020 by Hannah Fletcher - Blog, Immigration, Uncategorised

Having the right to remain in the UK means that you have been allowed to become a permanent resident in the United Kingdom. Now, for you, the UK is your home. That’s why you don’t want to have to leave any time soon! Gowing Law Solicitors have some of the top immigration solicitors in Manchester that can help you understand your rights and can help you get through the VISA process to achieve permanent residence.

So, what do you need to do to ensure that you still have the right to remain? Let’s get started with the basics of immigration law and what you need to know in order to secure your residency.

The Problem of Brexit & The Right to Remain

Everyone knows about the impact of Brexit and how it has turned the world of immigration on its head. With the passing of the Withdrawal Agreement in January 2020, also known as “exit day”, it’s important to understand that the UK is still in the transitional period until December 2020. Right now, all legislation in the UK that has been derived from EU law will still have an effect. Any directly effective EU rights will automatically become part of British law if they are passed before the end of the transition period. Parliament can retain this law (as British law) but it can be amended once EU membership ends.

So, the main point is that if you want to stay in the UK, you will need to obtain your residency status before January 2021. It is very likely that EU regulations will be swept away once 2021 rolls around, to the point where it may become far easier to deport EU citizens after Brexit. Check out this article to learn more about how this could be possible!

Settled vs Pre-Settled Status

Now, when you have applied for EU settlement status, the government will decide on your residency based on how long you have already been living in the UK. This will determine your rights and how long it will take to become a permanent resident. So, what is the difference between the two? Here is a quick infographic to help you understand.

It is free to apply to the EU settlement scheme, however keep in mind that the status you acquire mainly depends on how long you have been living in the UK for. However, applying for a Visa isn’t as simple as it sounds. That’s why you may need an experienced immigration solicitor from Gowing Law Solicitors to help you with the process.

The Basic Requirements for a VISA

As you can see, there are a lot of routes that you can take to get a Visa to stay in the UK. If you want to get indefinite leave to stay in the UK, you need to be a law abiding citizen. Once you have passed the time limit (5 years)that is needed for you to be considered a “citizen”, you will need to pick the VISA that will suit your living, work and personal situation.

Keep in mind that you will also need to fulfill the following general requirements to successfully apply for indefinite leave to remain:

Have no criminal record
Have no breach of immigration laws during the time spent in the UK
Pass a “Life in the UK test” based on British culture, traditions and history.
Show that you have a B1 level command of English. You will find more information on this through the Common European Framework of Languages

Whilst these are the basics of starting off your VISA journey, remember that it does depend on your personal circumstances. Sometimes the minimum time requirements may be longer or shorter. For instance, if someone has been living the UK under “long residence”, then you may have to spend 10 years in the UK before you are considered. On the other side, the wait may be shorter if they are under 18 and have a parent with British citizenship. Speak to your Manchester immigration solicitor to find out more information about your own personal situation.

Don’t forget about the GOV.UK form!

Whilst you should speak to a trained permanent residence solicitor about your immigration status, you can do some research on your own to build up your basic knowledge. If you already are considering what type of Visa you are going to be getting, don’t forget to fill out the UK Government’s form. This permanent residency form will take all of your information into account and the visa you are interested in applying for. From there, it will give you the basics on how you are going to apply for the Visa and what you will need to do to secure your citizenship.

Before you speak with your solicitor, make sure to give it a little look at! That way you can understand your solicitor and how they are going to help you stay in the country after 2021.

Is there a chance I may not get a UK Visa?

Naturally, there is always a chance that you may be rejected for your VISA. However, this is very unlikely if you have been honest in your application and filled it in completely correctly. Gowing Law Solicitors will work hard to ensure this does not happen to you. Here are some examples of why you may end up being rejected:

Additional reasons why you may not get your Visa or the approval of your immigration status include:

Mistakes in your application form
Application in the wrong Visa Category
Supporting documents are not submitted with the application
Financial requirements are not met (i.e. for a points based Visa)
Insufficient evidence of relationship (for a relationship Visa)

Although you may have the opportunity to re-apply for your Visa, it will look better if you get it on the first try. Working with an immigration specialist from Gowing Law Solicitors will guarantee you the best advice possible about the right to remain, so make sure to contact us soon!

Ready to get help with your Visa and the right to remain?

Now that you understand the basics of applying for British citizenship or getting a Visa, why not speak to our immigration specialists for more information? We can help guide you through your citizenship application and make sure that all of your details are in order. Make sure to supply your immigration specialist with as much information as possible. That way they can work with you and ensure they fully understand your case. If you have any questions then make sure you ask them! Our specialists are ready to help you as much as possible!

Want to learn more?

Tired of reading about the right to remain? Why not check out last week’s blog topic, the world of PPI tax reclaims! We make legal talk simple, so why not check out these blogs? You may be able to make a claim. We talk about the basics of PPI tax reclaims and whether or not you can reclaim PPI tax if you are self-employed. Learn something new and check out more of our blog series now!

Contact Gowing Law Solicitors for advice on the right to remain now

Ready to work with the top Manchester immigration solicitors about the right to remain? It’s time for you to get in contact with Gowing Law Solicitors. We want to help you move forward with your application and get you prepared for the journey ahead. It does take time to process an immigration, but your expert immigration solicitor will always be there to support you.

Please call 0161 8080 060, email immigration@gowinglaw.co.uk or go to our right to remain page! We look forward to hearing from you soon. Good luck with your application.

Can I get a PPI tax refund if I’m Self Employed? Learn how!

Posted on April 22, 2020 by Hannah Fletcher - Blog, PPI Tax refunds, Uncategorised

PPI tax reclaims can be difficult to get your head around, especially if you are self-employed or run your own business. Like many other people in your situation, you are probably angry at the fact that you have been mis-sold PPI. But worse still, now that you have received your return, you can see that some of it has been taken away due to tax. As someone who is self-employed, or is a freelancer, you are probably thinking to yourself: “This is my money! Why do I need to pay any sort of tax on it?”

Pennies are precious, especially if your business is small. That’s why it can feel like a victory when a freelancer’s PPI tax refund claims are successful. Whether you are a large business or you, as a hard-working freelancer, are a business in yourself, Gowing Law Solicitors can help you successfully receive the tax that you are owed from your PPI. Here is what you need to know in order to get started!

Can Self-Employed Workers Receive PPI tax refund claims?

Before we jump into some of the more fiddly parts of PPI tax refund claims, let’s start off by address the crux of this blog. You are self-employed and are wondering if this may prohibit you from making a claim. So, let’s answer the question quite simply: Yes, you can reclaim your PPI tax.

In 2019, Martin Lewis, from Money Saving Expert stated that over £36bn has already been reclaimed so far by individuals who were willing to find out how PPIs worked. Not all of these people were from a stereotypically large business background. Think of it this way! You are a tax payer, therefore you are entitled to what you are rightfully owed if you have overpaid a fee. Between 90% people don’t even know that they have been taxed when they certainly should not have been, let alone that they can reclaim the tax back.

That’s why you should take a moment to fill out our PPI tax claims form! It’s simple to use and can get you in contact with our PPI tax claim specialists in no time:

What are PPI tax refund claims?

So, let’s start you off with a little information on how PPI tax refund claims actually work. Take a look at this video where Martin Lewis explains to the hosts of “This Morning” exactly what happened with PPI and why you, even if you are self-employed, could be owed thousands:

If you don’t have much time to watch the video. Here is what you need to know:

PPI (Payment Protection Insurance) was used as an insurance policy in the event that you were sick or unable to keep up with payments. It could cover you for at least a year, but it could only pay you significantly less than what you owed.
PPI was significantly mis-sold around the country, sometimes with claims that it was compulsory or it could have been added to your policy without you knowing.

Self-employed tax returns, when it comes to PPI, could be due to the fact that you were given a policy that was not suitable for you. You are employed by yourself, yet you were given cover for unemployment. That’s why it is crucial to check whether or not you are owed a PPI tax repayment by simply checking with the bank (if the policy was made within the last six years), or by going to speak with a well-trusted PPI claims management specialist, like Gowing Law Solicitors.

I am self-employed, so how much am I owed?

Now, this is a little more complicated and depends on how much you put in in the first place. There are three potential payment outcomes, these are:

The full refund of any PPI you paid on top of your previous payments
Depending on whether (or not) the bank placed an additional loan on your original payment plan, in order to pay for the PPI, you will get back the interest of this loan.
A statutory interest (normally at 8% per year) is placed on the payment for each year since you started paying for the PPI.

You should be able to claim all of the tax back if you were a non-taxpayer in the year your PPI was paid out. If you were a tax payer at the time of purchasing your PPI, you may fall into one of these categories:

Whether you are a freelancer or you work for a larger company, you will need to think of the amount of refundable tax. The majority of banks that refund PPI do not know precisely how much tax you pay. That’s why you will find that most of them will assume that you fall into the basic category (as seen in our diagram) and will only deduct 20%. This means that most basic rate and even non-tax payers may even be able to reclaim on the governments tax-free savings allowance. The PPI tax claim specialists at Gowing Law Solicitors will be able to help you calculate how much you are owed. Just keep in mind that if you are paying a high rate of tax, this may give you an additional tax to pay on top of it.

Self-Employed PPI Tax Claimants: R40s are for you as well!

One thing that should be made clear to all claimants looking for a PPI tax refund, self-employed or otherwise, is that everyone needs to use the same type of R40 claims sheet. Gowing Law Solicitors would highly recommend that you allow our skilled PPI tax claim specialists to handle your claim. However if you have already filled it out and sent it off, do not panic! Whilst working with our team of savvy PPI tax reclaim experts will guarantee you fantastic results, if you have filled out the sheet to the best of your ability, and have left a note (aka. a covering letter) that you were unsure about certain areas of the form, then you should be okay. However, keep in mind that your claim does need to be filled out before the 4th year of when your PPI was originally purchased.

What do you need to make your claim?

As a self-employed business owner requesting a PPI tax reclaim, you need a strong case to ensure the best outcome. When you have spoken with one of our highly-trained solicitors, you will want to do the following:

One important fact that you should know is that in some circumstances, banks may automatically take tax off you. This should be noted in the breakdown of your refund. However, in a lot of cases, banks will most likely not do this. That’s why it’s important to check the details of your paperwork, especially if you are self-employed. This means you need to let HMRC (HM Revenue & Customs) know.

Remember, if you have any doubts about your claim, you can contact HMRC or Gowing Law PPI specialist for advice. We would be more than happy to help you.

Can I get a PPI tax reclaim from abroad?

Not all UK-citizens live in the UK. After all, many people have seen financial opportunities arise from other countries. So, what of these freelancers and self-employed business owners? You are probably wondering “if they live abroad, why would they be eligible for a UK PPI tax return?”

Well, it’s pretty simple if we think it out this way:

You may have had the tax taken off you whilst you were still in the UK.

Let’s put this another way:

Even if you are working abroad freelance, PPI tax refund claims should be easy to obtain. Gowing Law Solicitor’s specialists should be able to help you by ascertaining whether (or not) you have a claim. We can also make things easy for you by filling out the R43 tax payment form.

Let Gowing Law Solicitors help you make a PPI tax reclaim!

Our professional Manchester law solicitors do not mind if you are self-employed or are working for a larger company. If you think that you are entitled to a PPI tax reclaim, we will help you get what you deserve. Our solicitors will act on your behalf and ensure that you receive results in a timely manner.

Start your journey by filling out our PPI tax claims form. It’s easy to use and will provide us with the information we need to get started on your case. The form includes information on your personal and claims details. Just remember to read our damages-based agreement. That way you know precisely how we will handle your claim when you work with us.

The main purpose behind filling out this form is to simplify your claims process. We understand that you have a lot of information that you need to let us know about. So, if you write it down in this form then we will help you receive what you are owed.

Want to learn about other topics?

Gowing Law Solicitors is here to answer all of your law questions. That’s why we aim to update our blog with detailed content about the world of law. Why not learn about the basics of immigration and the different categories of visas? We aim to simplify law jargon to make it accessible to everyone. Check out our additional blogs for more information.

Any additional questions?

We are one of the top PPI tax reclaim law firms in Manchester. When you come to Gowing Law Solicitors with your claim, we will make sure that it is handled professionally. If you need any more information, please feel free to contact us! You can call 0800 041 8350, email info@gowinglaw.co.uk. or fill out our simple PPI reclaim tax form. If you have any questions then please use our contact form.

We look forward to hearing from and handling your PPI tax reclaim case soon!

Do you want to claim PPI tax back? Here’s how it works!

Posted on April 20, 2020 by Hannah Fletcher - Blog, PPI Tax refunds, Uncategorised

Listen to our PPI Tax Claim recording by clicking the link below:

Your PPI tax refunds claim doesn’t have to be complicated. You’ve probably heard the words PPI tax thrown around by different law and repayment firms. But how much do you actually understand about PPI, and in particular, PPI tax reclaims? Here at Gowing Law Solicitors, we want to help you understand everything you need to know about PPI. We’ll look all the way back to how it came about in the first place. All the way up to why you may be owed tax on your PPI pay out, and how a top PPI law agency in Manchester, like Gowing Law Solicitors, can help you. Let’s get started with the basics of mis-sold PPI tax.

What is PPI?

Before we explain why you may be able to claim money on a PPI refund, it’s important that we start with the basics of PPI. PPI stands for Payment Protection Insurance. It was usually sold with products that included a repayment, a payment plan or some form of debt. Over 64 million PPI policies were sold to people in the UK between 1990 and 2010, a lot of them having been unfortunately mis-sold. Take a look at this video created by the FCA (Financial Conduct Authority) to give you a basic understanding of PPI and how it could of affect you:

The main thing you need to know about PPI is that it was a policy sold along with loans, credit cards and other “financial borrowing” agreements. It was to ensure that payments could still be made if the borrower was unable to pay back the money due to sickness, unemployment or any other type of emergencies.

Payout Problems

One of the problems with PPI came from the fact that it provided significantly less pay-out than what was owed by the borrower’s loan. However, the real issue came from when many PPI policies did not fit the policy owner. For instance, a lot of people taking out loans to start up a freelance business did not require this policy- after all they were already self-employed! That’s why complaints were raised and policy holders began to demand their money back.

If you were interested in getting a PPI refund with the help of a trained PPI claims solicitor, like those from Gowing Law Solicitors, and were successful, you could find you would be rewarded with one of the following:

Please keep in mind that it is likely that your pay-out will depend on the amount of money that went into the original PPI. If you were forced to spend more money on the PPI then you will be reimbursed for it. Discuss this with your lawyer (from Gowing Law Solicitors) to make sure you can estimate accurately how much you are owed before you make your claim.

Tax and PPI Pay-Outs

Now, for anyone who had been mis-sold PPI, clearly people were interested in getting their money back on this policy. It had no use for them, however this was not the only thing that was a problem with the PPI policy in general. PPI was taxed.

That is why when people received a refund for their PPI, they were surprised to see that they did not receive as much as they expected- namely because tax had been taken away from it. It’s not surprising that claimants were quite upset.

So, you may be wondering why your PPI was taxed in the first place. Well the truth is…

But don’t worry! There is hope for you to get this tax back. This approach to refunding the PPI claim is rather simplistic. It assumes that you are still paying off existing debts or that the tax has gone towards the cost of the loan in the first place. Not all of these conditions apply to all people and this can give you some legal “wriggle room” to make a claim. However, there are other reasons why you may have a PPI tax refund claim.

Could you be owed tax from mis-sold PPI?

When there is a PPI pay out, most firms will have it dedicated a 20% rate. However, 6th April 2016 introduced the Personal Savings Allowance (PSA). This allowance made it easier for tax payers to receive what they were owed. To put it simply:

Basic Rate Payers: 20% – Can earn up to £1,000 a year of savings interest tax-free
High Rate Payers: 40%– Can earn up to £500 a year, again tax-free
Top Rate payers: 45%– Cannot earn anything

One of the best things about these rates is that PPI payments still have the 20% tax automatically taken away before you receive it. If you haven’t earned over your PSA in the same year you managed to get a repayment for your PPI claim, like most people, there is a high chance that you can actually get it back.

But am I really eligible to receive a PPI tax refund claim?

You may be worried about reclaiming your rightly owed PPI tax because of your job status, expatriate, whether or not you pay tax or even due to the fact that you are self-employed. Honestly though, these are not reasons that should worry you. If you have previously taken out sort of monetary contract and are a British tax payer, there is a chance that you could have been unintentionally paying for PPI. It is worth talking about it to a trained PPI specialist.. This is why we urge you to get in contact with Gowing Law Solicitors today. That way we can try our best to help you get your money back.

How much can you get from mis-sold PPI?

Okay, so this is where we have to get our maths hats on. Remember that this depends entirely on your own personal situation and the amount of money that went into the tax on your loan. Even if you are self-employed, you could get a lot of money back from your PPI tax. However, before you figure out how much you are owed keep in mind that:

PPI pay outs still automatically have around 20% of tax deducted from them.
If you have not earned over the PSA in the year that you paid back the PPI claim, you can pay it back.

Being a combined taxpayer and having a complete interest tallied from your savings and PPI statutory interest should mean that you are due all of your tax back. However, if you have been forced over your PSA then you should only have to pay tax that corresponds to how much you have gone over it by. In order to demonstrate this point, have a look at Roger Rebates’ PPI tax below:

Example Case: Roger

Claim Amounts

Let’s talk about how much you could actually get from a PPI tax refund claim.

Make sure to think about the size of the loan. You can also think of the year it was taken out and how big your PPI pay out is. A good example of how you can figure out how much you can earn is explained by Martin Lewis, a PPI expert. In his interview with ”This Morning”, he gave these examples:

“If you took out a PPI 5 years ago and received a £1,000 pay out, you can receive around £60 tax in return. However, if you took it out 10 years ago then you could receive around £100.

However, if you were given a large £15,000 PPI pay out and took the loan 5 years ago, you could earn around £900 tax in return. Are you thinking even larger? Well, for 10 years, then that tax return could go up £1,470!”

IMPORTANT NOTE: The Deadline

PPI tax claimants for 2015/2016, you may have missed the claim deadline. This is because you can only backdate PPI tax by four tax years (aka. 6th April 2015 and 2016), meaning the deadline was on the 5th April 2020. However, do not worry! Our PPI solicitors can still help you with your case. Just make sure you have a reason why your claim was late. You may also be allowed to claim if you are a non-tax payer who can use their personal savings allowance.

For more information on this, please contact Gowing Law Solicitors. We would be happy to advise you on the best way forward.

How do you claim any mis-sold PPI tax returns?

Whether you’re after help with your PPI tax, it’s important to have your claim checked by a specialist. Yes, you can do it on your own, contact HMRC or fill out a R40 form to settle your tax, but do you really want to do this on your own? PPI tax returns are complicated. It’s always best to have help if you want to reclaim tax money. Do yourself a favour and contact Gowing Law Solicitors for the best advice possible.

Gowing Law is one of the top PPI tax reclaim solicitors in Manchester. That’s why we have simplified the process and have created a PPI claim form for you to fill out. It includes spaces for your personal information, claim information and our damages agreement. Fill out the form with as much detail as you can. The more information we know about your PPI tax reclaim, the higher chance of a positive outcome. They understand the layout of the R40 or R43 and will help you get your entitled tax. Make sure to take a quick look at the damages agreement before you begin your journey with Gowing Law Solicitors. That means you will be fully prepared to work alongside our PPI tax reclaim specialists.

Learn more about Law Topics!

Gowing Law Solicitors will always do their best to ensure their clients are fully educated about different law issues! That’s why we have decided to create a series of blogs that are detailed but simple. That way they can be accessible for everyone. Check out our latest blogs on immigration, including topics like the basics of immigration and how you can decide on a visa. We hope you enjoy our blog series.

Want more information? Contact us now!

PPI tax claims can be complicated. So, why not simplify the process and have one of our experts handle your claim? All of our lawyers are extremely friendly and would be more than happy to assist you. If you have any questions about PPI tax claims or any other service we provide, please call us on 0800 041 8350, email us at info@gowinglaw.co.uk. or even fill out our contact form. You can even fill out our PPI tax claims form to simplify the process!

We look forward to hearing from you soon!

Fill out the form to start your claim today!