What can I claim

There are two situations that may arise:

  1. You have payment protection insurance that you never applied for. Nor have you benefited from such cover.
  2. You have payment protection insurance and need to make use of such cover. But the insurer or the bank won’t cover the payments.

You can now start your claim by answering a few simple questions. In under 99 seconds.



I want to start

How much could I recover?

In some cases, you can claim for up to 100% of the costs you are entitled to.

Filing your claims has never been so easy

We want to make access to justice affordable, convenient and simple for all people and small and medium enterprises (SMEs). That’s why, when we talk about convenience, we mean it.

  • No Win No Fee

    No upfront payments. We will advance all costs, including Court Representative and power of attorney. You will only pay our fees if your claim is successful.

  • You are in control

    Where and when you want. The steps to file your claim are 100% online. We will bring you up to date on the status of your claim at least once a month. And you’ll always have access through your a

  • Receive your compensation upfront

    If we think you have a strong case, we will automatically offer you an advance payment. And if you don’t win, you won’t have to pay it back.

  • If you’re at peace, so are we

    We offer the option of including our insurance. So you won’t have anything to worry about in the unlikely event that your claim is unsuccessful. We will cover all incurred costs.

I want my money back

How long do I have to put forward my claim

Your right to claim and get your money back may expire at some point. For this reason, we advise that you file a claim as soon as possible.

How can I file my claim

We have worked hard on making sure recovering what’s yours, is as easy as possible

  • Share the documentation

    We’ll tell you what we need to represent you. You choose how to send it, from your phone
    or computer.

  • We file your claim

    You are in control. We’ll be in touch at least once a month. Simply put, we’ll keep you in the loop for each step of your claim.

  • Receive your compensation

    When the process comes to an end, we’ll send you the settlement and ask for your bank
    details to issue the payment. We guarantee transparency from start to finish.

I want to start my claim

How much will I receive in my bank account

We will pay all costs upfront so you don’t have to pay anything in advance. If you don’t win, you won’t have to pay our fees.

Let’s take a look at an example to make it easier. Imagine your claim has won and the court has ruled that the €10,000 you’ve paid must be reimbursed. This will be the ‘principal’ amount. In this case, you would recover €5,524.21 and the rest would be for our fees.

Clear sums. Here are our estimates for this example of what your net compensation would be:

  1. Percentage on the ‘principal’ amount: 33% x €10,000 + 21% VAT = €3,993
  2. Costs: €399 + 21% VAT = €482.79
  3. Net compensation: €10,000 – €3,993 – €482.79 = €5,524.21

I want to know more

It is an insurance policy that will cover all or part of your monthly instalments on your loan if you lose your job, or if you are on leave due to illness or injury.

The main issue with this type of insurance is that it is often included without the customer’s prior consent. Also, they often contain a number of coverage exclusions, i.e. specific situations in which the insurer will not be liable for paying out. They can add it to your contract even when they know you are affected by one of these exclusions.

You can start your claim by filling in our form. It will take you less than 99 seconds.

Although it is mostly included in mortgages, you can find this type of insurance in all kinds of loans. This is why we advise you to review all of your loan applications for the purchase of property to be repaid in monthly instalments. Such as, for the purchase of a vehicle. Even your housing rental agreement may include PPI.

You don’t have to worry about a thing, from start to finish. There are several stages in the process. We’ll be in touch at least once a month or each time there are updates on your claim. You’ll always have access through your account.

The first step is to lodge an out-of-court complaint to try to reach an agreement. If this is not possible, we’ll proceed to make a claim. If the claim is admitted for processing by the judge, he/she will inform the respondent about the trial. In some cases, your presence may be required. If so, we’ll let you know in advance and give you all the necessary information. After this, the judge will issue a ruling. And if it’s favourable, the deadline to recover your money starts.

They’re costs incurred by each of the parties involved in legal proceedings. These are the fees of Lawyers, Court representatives, and expert witness fees (if necessary). As well as copies, court notices or registered faxes, among others. When the court allocates costs, it means the losing party has to pay these expenses for the opposing party.

That’s why we always give you the option to include our insurance. So you don’t have to worry if your claim is unsuccessful. We’ll cover all costs that may be incurred against you.

So you can file your claim free of charge, we take on a huge financial burden. What’s more, plaintiffs in mass claims try to delay compensation payments for as long as possible. While knowing that this means our chances of incurring heavy losses will increase.

That’s why, if the court allows it, we retain the interest and court costs imposed on the other party as fees, under article 44.2 of the Spanish General Statute of the Legal Profession. This ensures continuity in our project. And that everyone can access justice to defend their rights in an easy, convenient, and affordable way.

How our clients see us

There is no time like the present to claim on the unfair terms of your mortgage

If you have or have ever had a mortgage, it is very likely that you have been affected byunfair terms.

What’s ours is yours

We will tell you everything we know.

Mi salud legal

El 99% de personas y pymes tienen algo por lo que reclamar y no lo saben.