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29th Aug 2019


There's no time limit on how far back you can make a claim.

As many as 64 million PPI policies have been sold in the UK mostly between 1990 and 2010, some as far back as the 1970s.

Some of the Culprits who sold PPI?

Yorkshire Bank
Lloyds TSB Bank
TSB Bank
Royal Bank of Scotland
Virgin Money
Natwest Bank
Bank of Scotland
Bank of America
Clydesdale Bank
Co-op Bank
Lloyds Bank


Step 1

Fill in our Online Form

Fill in your contact details on the form below to start your FREE PPI Check with us,

Step 2

Sign our pre-filled forms

We will send you the PPI check Form(s) of Authority for you to read, sign and return in the freepost envelope.

Step 3

We will check if you had PPI

We will contact the bank or lender on your behalf and do everything we can to establish if PPI was present on any of your products.



1. We call you to start your PPI Check & Complete Forms

For us to proceed with your FREE PPI Check**, we will need to speak with you to confirm some details, including your FULL NAME, DATE OF BIRTH, and ADDRESS DETAILS (CURRENT AND PREVIOUS). We will also discuss which lenders we can investigate for you.

Once we have set up your PPI Check, we will post forms out for you to read, sign and return to us. You can call us on 01925 552 923 if you notice any details need changing.

2. You Sign, Date Documents & FREEPOST Back to Us

Sign and date the forms and return to us in the free post envelope provided – no stamp required!

3. Your PPI Check(s) are Registered with Lender(s)

We register your PPI check with your lender.

On average, a response will be issued within 6 weeks from your PPI information check being sent to your lender, although timeframes vary dependent upon the lender.

4. The Lender(s) Locate & Verify Account Information

If your lender cannot locate you or requires verification in order to release details, we will be in contact to obtain some further details of you in order for us to return them to complete the check.

5. Account(s) & PPI Status Confirmed by Lender(s)

Once you have been located/verified, your lender will return to us with confirmation of all accounts you have held with them for as far back as their records go. They will also confirm the PPI status of each account.

6. PPI Check Outcome(s) & Options Are Discussed With You

  • If you have not paid PPI, we will contact you to advise you of the same.
  • If your lender is unable to confirm whether PPI is on a particular account – we will contact you to advise you of your options moving forward on the possibility of presenting your claim for your refund.
  • If PPI is located on your account – we will again contact you to advise you of your options moving forward on presenting your claim for a refund.

  • A Special Note For Multiple PPI Checks

    If you have multiple checks with us for multiple lenders, the time-frames of responses from lenders may vary, however, we will always ensure that we advise you of which lender correspondence refers to and be available for support and guidance throughout this process on 01925 552 923, should you so require.

    Customer Service Reviews

    What is PPI?

    PPI was an insurance product which covered your repayments in circumstances where you couldn’t make them yourself. These included unemployment if you were made redundant or where you couldn’t work due to an accident, illness, disability or death.

    PPI was usually sold with products that you need to make repayments on, like a loancredit card, store cardmortgage or catalogue accounts.

    As many as 64 million PPI policies have been sold in the UK, mostly between 1990 and 2010, some as far back as the 1970s.

    The FCA has found that PPI was often mis-sold. More than £31bn has already been paid back to people who complained about the sale of PPI.

    In August 2017 and  following a court case known as ‘Plevin’ the FCA annouced a new reason to complain, this was about the commission earned by a provider on PPI policies where the buyer was aware,

    Which Products were sold with PPI?

    You might have had PPI if you’ve taken out or used loan or credit products, such as:

    • Loans – including personal loans, business loans and student loans
    • Credit cards
    • Store cards – usually from a high street stores
    • Catalogue credit accounts -
    • Mortgage including any second charge mortgages e.g for a conservatory
    • Any secured loans on a home in addition to your mortgage
    • Overdrafts
    • Car finance
    • Hire purchase agreements to buy things like as a bedroom furniture, sofas and other big purchases (as known as finance agreements)
    • Home shopping accounts – including catalogue accounts
    • Home improvement loan - again for items such as for a kitchen, bedroom or sofa

    Checking PPI

    Whilst you don’t need your paperwork to check, it may help to speed up the process. Look for ‘PPI’, or the product names listed below, on original documents, credit agreements, more recent statements, and the terms and conditions for each.

    How can you tell if you had PPI?

    PPI was usually sold with other products like a loan, credit card, store card, mortgage, overdraft or car finance deal – so check your paperwork for loan or credit products you’ve had.

    As well as ‘PPI’ or ‘payment protection insurance’, your paperwork might include other names for PPI and similar products, such as:

    • accident, sickness and unemployment (ASU) insurance
    • account cover
    • credit insurance
    • credit protection
    • loan care
    • loan insurance
    • loan protection
    • loan repayment insurance
    • mortgage payment protection insurance (MPPI)
    • payment cover
    • protection plan

    Claiming for mis-sold PPI

    If you find that you had bought PPI then there are 2 reasons you might be eligible to claim back money you’ve paid for the PPI policy:

    1. PPI was mis-sold to you

      If you think you experienced one of the examples listed below or were mis-sold PPI in another way, please call us to start your PPI claim complaint with your bank or other provider for them to review why you think PPI was mis-sold.

      if you experienced any of the following its highly like that you have been a victim of PPI mis-selling:

      • The bank or provider pressured you into buying PPI or advised you that you must have the PPI
      • That you were promised a cheaper rate if you bought PPI with the finance credit
      • you were told your loan or credit application was more likely to be accepted if you bought PPI
      • The bank or provider added PPI to your credit agreement without telling you
      • you believe you were misadvised to buy PPI that did not suit your circumstances or needs
      • Even though you status was self-employed, unemployed or retired you were advised to purchase PPI
      • At the time when you bought the PPI you had a pre-existing medical condition, which would have affected your ability to make an insurance claim
      • it was not made clear that you would pay interest on the PPI if it was added to your loan
      • it was not made clear that the PPI would end before the loan or credit was repaid
      • you were told that having a pre-existing medical condition was covered in your PPI policy
    2. The other reason for being mis-sold PPI is covered under the new Plevin ruling where the bank or other provider had earned a high level of commission from the sale of PPI, but didn’t tell you at the point of sale.

    The Deadline for Making PPI complaints

    The FCA has set a deadline of 29 August 2019 to complain about Mis-sold PPI.

    This means that you must refer your complaint to your financial provider before the 29 August 2019 deadline (by 11.59pm) or else lose your right to have your complaint assessed.

    You shouldn’t wait until 29 August 2019 - act sooner rather than later to check if you had PPI and decide whether to complain. Start you FREE PPI Check today!

    Store Card PPI Checks

    A store card is quite similar to a credit card but can only be used in a high street shop or department store or a particular store, or in the case of national chains multiple stores in the same retail group.

    In order to complain about PPI sold with a store card, you should check your store card agreement and other relevant paperwork you have, to try to find the name of the financial business that provided the store card to you.

    Once that has been identified It will usually be quicker to complain to the financial business directly rather than contacting an indvidual store about it.

    If for any reason you can’t find or simply don't have any supporting paperwork you can also contact the relevant store to ask:

    • which financial business name provided the store card
    • whether a store can take your complaint and forward it to that financial business
    • You should then be able to follow the steps explained on the following pages.

    Store Cards Examples & their Providers

    Store Card Credit Provider
    Argos Home Retail Group
    Karen Millen Ikano Financial Services
    Miss Selfridge NewDay Ltd
    New Look Ikano Financial Services
    Oasis VIP Ikano Financial Services
    Topshop NewDay Ltd
    Topman NewDay Ltd


    More About our FREE PPI Check** Service

    We offer a Free PPI Check** which aims to find out if you were sold PPI on any financial agreements, before you decide whether to pursue a complaint. The aim of this is to determine which of your accounts had PPI attached and which did not; this can also result in finding additional cases you may have forgotten about. If your PPI Check shows that PPI was or may have been present, you will be advised of your options and the possibility of recovering any PPI you may be owed from your lenders.

    Banks & Lenders Facing Mis-sold PPI Claims

    Yorkshire Bank
    Lloyds TSB Bank
    TSB Bank
    Royal Bank of Scotland
    Virgin Money
    Natwest Bank
    Bank of Scotland
    Bank of America
    Clydesdale Bank
    Co-op Bank
    Lloyds Bank