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29th Aug 2019

Royal Bank of Scotland Mortgage PPI Claim

Did you have PPI with your Royal Bank of Scotland Mortgage?


The Royal Bank of Scotland (RBS) was founded in 1727, and is separate to the Bank of Scotland, which also has headquarters in Edinburgh.

RBS has a wide range of financial products on offer, such as mortgages, credit cards, loans, savings accounts and insurance, catering for the private and business sectors.

There are buy-to-let mortgages available from RBS, as well as mortgages for first-time buyers, home movers and those looking to remortgage, allowing customers to browse through for the most suitable option for them.

What is Mortgage PPI?

To determine whether you may have been mis-sold PPI there are a number of questions that you will need to a

Many mortgage lenders sold PPI to their customers over the last 20 years or so. The policy was meant to act as a safety net to protect you from falling into arrears if you ever stopped working because of sickness, an accident or if you became unemployed, the policy would cover your mortgage repayments.

As a result mortgage PPI claims can be of high value because of the amount borrowed and the duration of the agreement. Bear in mind that mortgage PPI applies to remortgages as well as mortgages, so you may have been paying PPI on each mortgage and remortgage you may have taken out. Was the PPI mis-sold to you? Check all your paperwork from Royal Bank of Scotland and other lenders carefully.

Grounds on Which Mortgage PPI May Have Been Mis-sold by Royal Bank of Scotland

There are several ways in which Royal Bank of Scotland PPI was mis-sold. Lots of people took out PPI cover with their mortgages believing that it boosted their likelihood of being accepted, or that the policy was a necessity. However, there are many other ways it may have been mis-sold:

  • Were you aware that Royal Bank of Scotland had added the PPI insurance to your mortgage? If you had no idea you had it, you may have been mis-sold.
  • At the time Royal Bank of Scotland sold you mortgage PPI, were you unemployed, retired or a student? If so, you may never have been able to claim on the policy, so it could have been mis-sold.
  • If the policy costs weren’t listed separately by Royal Bank of Scotland to the mortgage advance, you may have been mis-sold. Royal Bank of Scotland was required to list the costs separately.
  • Did Royal Bank of Scotland provide you with information about alternative policies? If not, then you may have been mis-sold, because there may have been cheaper and alternative cover elsewhere.
  • Were you informed by Royal Bank of Scotland about any exclusions? For example, if you had any pre-existing medical conditions, the cover may have been voided, therefore you could be classed as being mis-sold.
  • Did Royal Bank of Scotland make it clear that mortgage PPI was optional and not compulsory? If Royal Bank of Scotland told you it was required in order to get the mortgage, or you felt pressured in any way to taking out mortgage PPI, you might have been mis-sold.
  • Were any checks done by Royal Bank of Scotland to determine if you already had other policies in place? If not, you may already have been fully covered, so were mis-sold if they failed to check.
  • Did Royal Bank of Scotland check if your employer provides full sick pay? If no checks were done and you are entitled to full sick pay, your mortgage payments would have been covered rendering the mortgage PPI unnecessary.

Starting Your Royal Bank of Scotland Mortgage PPI Claim

Start by finding your Royal Bank of Scotland paperwork with evidence of mis-sold PPI. You will need this to make a claim. If you no longer have the paperwork, don’t worry – at PPIClaims.com we can find out if you bought PPI on any mortgage products or accounts.

If you notice that your Royal Bank of Scotland account had PPI attached to it, think back to when it was sold to you. Can you remember when or why you agreed to it? Were you informed by Royal Bank of Scotland that it would be added?

If you can’t remember, don’t worry, we can check if you had PPI with Royal Bank of Scotland for free.

How to Make a Mortgage PPI Complaint to Royal Bank of Scotland?

The Financial Conduct Authority (FCA) has set a deadline of 29 August 2019, by which time all PPI complaints will need to have been submitted. After this date, customers will lose the right to have their complaint assessed by us, or the Financial Ombudsman Service.

If you have previously received a letter from Royal Bank of Scotland outlining potential concerns about the way PPI may have been sold to you, then you may have less time, so it is important to act as soon as possible.

Please be assured that by checking or complaining about PPI to Royal Bank of Scotland, neither your relationship with, nor your credit score will be adversely affected in any way.

If you have a concern about how your mortgage PPI policy was sold, it’s easy for you to contact us directly to discuss and start your mortgage PPI claim.

Here’s What You Need to Do Next

We’d like to discuss the details of your case with you so your complaint can be lodged as quickly as possible with Royal Bank of Scotland to find out if you had any PPI charges on your mortgage.

Call us or complete our online forms

  1. You can call our dedicated number for mortgage PPI claims on 0333 443 9158
  2. You can also start your Free PPI check process by using our online form and completing the required information.

We understand consumers may require different levels of assistance and are committed to making your FREE PPI check** and claim process as simple as possible. Our processes are accessible for everyone wishing to make a complaint.

Has Your Mortgage PPI Claim Been Rejected by Royal Bank of Scotland?

If you have raised a previous mortgage PPI complaint with Royal Bank of Scotland which was not upheld, and you wish to raise a further complaint relating only to the commission charged on your PPI policy, please complete our online PPI High Commission refund form.

Mortgage Lenders Facing PPI Queries

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

Abbey National Mortgage PPI Claim

Accord Mortgages PPI Claim

Ahli United Bank Mortgage PPI Claim

Al Rayan Bank Mortgage PPI Claim

Alliance & Leicester Mortgage PPI Claim

Bank of China (UK) Mortgage PPI Claim

Bank of Ireland Mortgage PPI Claim

Bank of Scotland Mortgage PPI Claim

Barclays Bank Mortgage PPI Claim

Barnsley Building Society Mortgage PPI Claim

Bath Building Society Mortgage PPI Claim

Beverley Building Society Mortgage PPI Claim

Black Horse Mortgage PPI Claim

Britannia Mortgage PPI Claim

Buckinghamshire Building Society Mortgage PPI Claim

Buildstore Mortgage PPI Claim

Cambridge Building Society Mortgage PPI Claim

Central Trust Mortgage PPI Claim

Chelsea Building Society Mortgage PPI Claim

Cheltenham & Gloucester Mortgage PPI Claim

Chorley Building Society Mortgage PPI Claim

Coutts & Co Mortgage PPI Claim

Coventry Building Society Mortgage PPI Claim

Cumberland Building Society Mortgage PPI Claim

Danske Bank Mortgage PPI Claim

Darlington Building Society Mortgage PPI Claim

First Direct Mortgage PPI Claim

Halifax Mortgage PPI Claim

HSBC Mortgage PPI Claim

Lloyds Bank Mortgage PPI Claim

Lloyds TSB Mortgage PPI Claim

M&S Bank Mortgage PPI Claim

Nationwide Mortgage PPI Claim

NatWest Mortgage PPI Claim

Santander Mortgage PPI Claim

TSB Bank Mortgage PPI Claim

Ulster Bank Mortgage PPI Claim

Yorkshire Bank Mortgage PPI Claim

Yorkshire Building Society Mortgage PPI Claim

To Start Mortgage PPI Claim

Call 0333 443 2500


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Had any type of credit finance with Barclays, LLoyds, RBS, Yorkshire Bank, Tesco, HBOS, MBNA or Halifax between 1988 - 2014?

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