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Financial Conduct Authority (FCA) Authorised

First Call Payment Protection Ltd is authorised and regulated by the Financial Conduct Authority; Firm Reference No. 541645.

www.firstcallpaymentprotection.co.uk is an online trading name of First Call Payment Protection Ltd. Our permitted business is advising, arranging and assisting in the administration and performance of a contract of insurance.You can check this on the Financial Services' Register by visiting the FCA's website register.fca.org.uk or by contacting the FCA on 0845 606 1234. You may contact First Call Payment Protection Ltd by using the information on our contact us page.

We aim to provide you with a high level of customer service at all times, but if you need to complain and you are not satisfied with our response, you may be entitled to refer the matter to the Financial Ombudsman Service (FOS). For further information about the FOS and eligibility to refer a complaint to them, you can visit the FOS website www.financial-ombudsman.org.uk

OFFICE OF FAIR TRADING (OFT) GUIDANCE:

Guidance on Payment Protection Insurance published by the OFT, is detailed below:

"A SUMMARY OF THE RIGHTS AFFORDED TO CONSUMERS BY THE PAYMENT PROTECTION INSURANCE MARKET INVESTIGATION ORDER 2011

1 NOTE
1.1 This advice is not a substitute for the Payment Protection Insurance Market Investigation Order 2011 (the 'Order') which should be referred to in the event of a dispute about the exercise of your rights under it.
1.2 The Office of Fair Trading deals only with issues directly related to compliance with the Order. If you think you have been mis-sold Payment Protection Insurance and want to try to claim back some of all of your premiums, you should visit www.justice.gov.uk.

2 WHAT PAYMENT PROTECTION INSURANCE IS FOR
2.1 Payment protection insurance is designed to protect your ability to make loan repayments if you suffer involuntary unemployment or incapacity as a result of accident or sickness. The Order covers short-term income protection products as well as Payment Protection Insurance on primary and secondary mortgages, personal loans, credit cards and retail credit accounts (also known as 'home shopping accounts'). It does not cover Payment Protection Insurance on store cards or overdrafts. Note that Payment Protection Insurance can be combined with other forms of insurance.
2.2 More detailed advice for consumers on buying Payment Protection Insurance is here: www.moneyadviceservice.org.uk.
2.3 The detailed business advice we provide to Payment Protection Insurance providers is here: www.oft.gov.uk.
2.4 If you already have Payment Protection Insurance or are thinking about buying it, the above Order gives you the rights set out below.

FOR ALL Payment Protection Insurance, Payment Protection Insurance PROVIDERS MUST:
- Not sell you policies paid by a single premium
- Provide you with a claims ratio (that is, the ratio of incurred claims to earned premiums) if you ask for one

Plus, in any advertisement or other marketing communication:
- state that Payment Protection Insurance is optional
- state that there are other providers and products designed to protect you against loss of income
- provide information about the cost of Payment Protection Insurance
- signpost you to impartial information about insurance at www.moneymadeclear.org.uk

- From 6 April 2012, provide you with a personal quote in the form set out in the Order during or as soon as possible after making any marketing statement direct to you - and in the case of retail Payment Protection Insurance no later than 14 days after providing you with a policy (to make it easier for you to compare quotes)
- From 6 April 2012, if you already have a Payment Protection Insurance policy, supply you with:
- an annual reminder which sets out your cancellation rights, states that Payment Protection Insurance is optional and that cheaper or more appropriate cover may be available from other providers
- a written annual review of Payment Protection Insurance costs (unless you are a retail Payment Protection Insurance customer who has spent less than £50 on premiums in the preceding 12 months)

3 BEFORE YOU BUY RETAIL Payment Protection Insurance**, Payment Protection Insurance PROVIDERS MUST:
- From 6 April 2012, offer you Payment Protection Insurance separately from merchandise cover if both are offered together
- Give you a personal Payment Protection Insurance quote no later than 14 days after selling you a retail Payment Protection Insurance policy in a form set out in the Order

4 BEFORE YOU BUY Payment Protection Insurance OTHER THAN RETAIL Payment Protection Insurance, Payment Protection Insurance PROVIDERS MUST:
- From 6 April 2012, not sell you Payment Protection Insurance at or before the point of sale of credit, or for seven days after the later of the completion of the credit sale and you getting a personal Payment Protection Insurance quote. However, once you have your quote you can buy Payment Protection Insurance from your credit provider within the seven days if you choose to do so. (This gives you the chance to think about whether you want Payment Protection Insurance and to shop around for the best deal.) This rule does not apply to Payment Protection Insurance providers who are not also credit providers, or arrangers or associates thereof."

**Policies taken out to protect your ability to make payments due on a retail credit account.