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29th Aug 2019

Claim Back Mis-sold PPI on Credit Cards

credit card ppi
Did you have PPI on your Credit Cards?


Reclaiming Credit Card PPI

Around 10 million people in the UK were sold PPI with a credit card between 1988 and 2011. The Payment Protection Insurance would have helped ensure card payments were met if you couldn’t work due to sickness, an accident or being unemployed.

However, in many instances it was mis-sold as an added extra which people didn’t want or ever need. A survey by the consumer group Which? indicated that almost 1.5 million people were sold PPI with their credit card after sales staff mis-led them. As a result of this, huge numbers of people are entitled to reclaim mis-sold PPI on credit cards.

How was PPI mis-sold on Credit Cards?

Lots of people took out PPI cover with their credit cards believing that it boosted their likelihood of being accepted, or that the policy was a necessity. There are a number of ways in which PPI may have been mis-sold:

  • Quite simply, did you know you had PPI included with the credit card? If you have it and the sales staff never made you aware of this, it may have been mis-sold to you.
  • If you were unemployed, retired or a student, and you were advised to take out PPI, you may have been mis-sold the cover because it might not have been possible for you to ever claim on it.
  • If your employer provides full sick pay, there was no need for you to have PPI as you would not struggle meeting your card payments.
  • If you already had insurance in place then there was no need for you to have a new policy.
  • If you felt compelled to have PPI to boost your chances of being accepted for the credit card, you may have been mis-sold, because it is an optional extra that should have no bearing on your chances of obtaining a credit card.
  • Was everything involved with the payment protection insurance explained properly to you? If you did not receive a full cost breakdown, or the seller failed to explain the exclusions to you, you may have been mis-sold.

Calculate How Much You can reclaim

If your PPI was mis-sold, you may be owed hundreds of pounds or thousands, depending on how much money you borrowed, and for how long. The higher your outstanding debt, the more you can possibly reclaim; many cards charged around 80p per £100 of outstanding debt each month.


You can reclaim regardless of whether the credit card is fully repaid or if you are still paying off the card; all that matters is whether you were mis-sold PPI when you got the policy.

Be aware that it doesn’t matter if you have reclaimed PPI on other products (such as loans and mortgages) before, because each claim is separate. To start your PPI Check to find out which of your lenders you could make a PPI claim against, complete our FREE PPI Check** form.

Credit card providers Facing Mis-sold PPI Queries

The following is a list of credit card companies who are known to have sold PPI. Please note this is not an exhaustive list.

American Express Credit Card PPI Claim

Aqua Credit Card PPI Claim

Bank of Scotland Credit Card PPI Claim

Barclaycard Credit Card PPI Claim

Capital One Credit Card PPI Claim

Clydesdale Bank Credit Card PPI Claim

Egg Credit Card PPI Claim

Halifax Credit Card PPI Claim

HSBC Credit Card PPI Claim

Lloyds Credit Card PPI Claim

M&S Bank Credit Card PPI Claim

MBNA Credit Card PPI Claim

Nationwide Credit Card PPI Claim

NatWest Credit Card PPI Claim

Nuba Credit Card PPI Claim

Ocean Finance Credit Card PPI Claim

Post Office Credit Card PPI Claim

Royal Bank of Scotland Credit Card PPI Claim

Santander Credit Card PPI Claim

Sainsbury’s Credit Card PPI Claim

Tesco Credit Card PPI Claim

The AA Credit Card PPI Claim

TSB Credit Card PPI Claim

Vanquis Credit Card PPI Claim

Virgin Money Credit Card PPI Claim

Yorkshire Bank Credit Card PPI Claim

Missold PPI News

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PPI Claims for Deceased Persons

Deceased Persons

If a PPI policyholder is deceased, any money owed to them becomes part of their estate, so whoever inherits the estate is entitled to make a PPI reclaim. This can be done by an executor or the person appointed to carry out their wishes after death. We automatically assume that reclaiming mis-sold Payment Protection Insurance (PPI) for deceased parents and grandparents may not be possible due to the passage of time.

However, the truth of the matter is it is quite straight forward to make a successful claim for mis-sold PPI for someone who is deceased.

To reclaim mis-sold PPI start with a FREE PPI check** with us today.


Failed or Rejected PPI Claims

If you had a previous complaint about mis-selling of PPI rejected, you can still complain about commission earned by a bank or other provider.

Rejected PPI claims can be now be re-opened on a New Legal Ruling

Don't Give Up On What You Could Be Owed Claim Against Undisclosed Commission Rates We Can Re-Open Your Claim‎

Claim back any undisclosed commission over 50% plus interest

Armed Forces Personnel & PPI

Armed Forces PPI

Armed forces personnel have cover for sickness, accident & unemployment built into their salaries. This protection means that if a member of the armed forces was unable to work due to one of these reasons, they would still be able to meet any mortgage, loan or credit card repayments they had. So any PPI insurance policies would NOT have been appropriate. To find out if you can reclaim for mis-sold PPI, start a FREE PPI check** with us today.

UK Expats & Non-British Nationals

Expat PPI Claim

Did you have a loan, credit card or mortgage in the UK between 1988 and 2014? As a British Expat or Non-UK National who has lived in the UK for a long period, it is likely that finances were arranged while you were a resident in Britain. This may include loans, mortgages or credit cards and, even though you are no longer living in the country you can still claim mis-sold PPI. You could be eligible to claim for mis-sold PPI!

Public Sector Workers PPI Claim

Public Sector PPI

For many public sector workers, the Payment Protection Insurance (PPI) they were sold was useless. However, for some of these workers it would not have been useless, depending on the policy type and cover it provided them with.

If you had PPI and it provided you with extra cover that hadn’t been included in your employment contract, then it may have been useful for you.

Business PPI Check and Claims

Business PPI Claims - Mis-sold Payment Protection Insurance

Business PPI - Like most consumer PPI policies, business PPI also know as commercial PPI was sold alongside secured and unsecured loans, overdrafts, credit cards and mortgages. Business Loan Repayment Insurance is a type of insurance policy sold alongside commercial loans, including Fixed Rate Loans, Variable Rate Loans and Treasury Loans. If you had a commercial or business loan between 1988 and 2014 you may be eligible for a PPI refund. Start a Free Business PPI Check and find out if you have mis-sold PPI to reclaim.