About Us

Founded in 2012 with a small team focused on providing the best service possible and putting the client at the heart of our business. Ashley Howard has continued to grow with that key focus in mind ensuring we are always equipped to excel at the service we provide for you. 

When you engage our services and we locate if PPI was present on your account, you are allocated a dedicated Claims Handler to be your point of contact from the moment we begin your claim until it is completely resolved. Their knowledge of your cases mean that you are not kept on hold when you just want a quick update and you'll have the same friendly voice offering you the guidance you need when you need it.

We also realise that people lead busy lives that may not always be 9-5 and so for the times you are unable to speak to us we have an online facility for you to be able to track your claim. With our secure portal you can access all the correspondence relating to your claim at a time that is convenient to you. If you already have an ongoing claim with us and aren't using the service yet, give your Claims Handler a call and we can easily set this up for you.

We are constantly monitoring the services we offer and how we as a company can make your experience a streamlined one from start to finish. We have a dedicated team who focus on all areas of the business to make your experience with us the best it can be. 

How We Make Your Claim

Your initial contact with Ashley Howard will be with one of our expert Claims Advisers who will be able to establish if any of the agreements you had meet the criteria for a possible case of mis selling of PPI. At this point in the process it is an information gathering exercise to enable us to send our Claims Pack out to you in the post.

The Claims Pack will contain an introduction to us, our Terms of Engagement (view here) and most importantly the Letters of Authority we need you to sign and return to us in the pre-paid envelope to enable us to start the process. These forms give us the authority to act on your behalf when contacting the banks and lenders.

Once we receive these documents back they are then processed by our dedicated team of Information Officers who communicate with the Banks to establish if any of your accounts and products had PPI attached to them. The process will also enable us to locate account numbers as well, so don't worry if you no longer have those details, we can find them out for you, although this might delay the process slightly. This request can take on average 7 - 40 days.

Once we locate an account with PPI and are ready to submit a formal complaint on your behalf to the lender you will be allocated a Claims Handler who will call to introduce themselves and answer any questions you may have at this point. Once your complaint has been submitted the Banks have specific timeframes depicted by the Financial Claims Authority (FCA) to respond to your complaint through every stage of the process. A claim to the point of the final decision from the lender should be 8 weeks but can typically be somewhere between 8-16 weeks. However we do monitor this process every step of the way to ensure that FCA timeframes are being adhered and any delays are valid. Should this not happen we will do everything we can and should the need arise we will escalate your claim to the Financial Ombudsman Service on your behalf.


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  • Average Claim¹£2175.38
  • Last Month's PPI Average²£2429.31
  • Last Month's PBA Average³£2537.03