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EXPIRED 29th Aug 2019

PPI Claims Process

Getting started with a Free PPI Check** is a simple process. The PPI Deadline has been set so start your claim before the August 2019 deadline. To help you understand the process we outline below the steps involved in the PPI reclaim process.

Please Note: The PPI deadline (29th August 2019) set by the FCA has now passed and we are no longer accepting any new PPI claims.

The PPI Reclaim Process – Step 1

Starting a PPI Check

Getting started is simple. Let PPIClaims.com help find out what PPI you could reclaim

Fill out the PPI check form on this page, or call us on 01925 552 923 and our friendly and knowledgeable staff will guide you through the process.

We aim to identify any PPI your lenders sold to you, which you could then make a claim to recover.

The PPI Reclaim Process – Step 2

The Pack & Completing the Documents

We fill them in for you with the details, so you just need to read, sign and return them. Or let us know if anything needs updating!.

This guide is about the forms you will receive and what to do with them. This section will provide you with information to consider, as well as some Frequently Asked Questions to explain the documents.

The first step in starting your PPI Check was contacting us. The next simple stage is to complete the forms necessary to start your PPI Check process, with the aim of identifying any PPI your lenders sold to you, which you could reclaim.

Simple steps to get started:

  1. Read, sign and date the documentation in the pack you receive
  2. We contact your lenders for your PPI Check
  3. If any PPI was or may have been present, we will advise you of your options and the possibility of making a claim to recover any money you may be owed for your PPI

Once we receive your pack, we will contact your lender to start the PPI check process. You will be updated regularly of the progress of the investigation.

Points to Consider – 1

1. Is there any information that needs correcting or adding, e.g. your name, a joint claimant, any dates, addresses or information about the product you took out with the lender? If so, make the amendments and countersign the revisions made, otherwise your form will be rejected as invalid which will delay your case. Also call us on 01925 552 923 so we can update your details on our system.

If you have been sent 2 separate ‘Forms of Authority’ for a lender; one for the first account holder, the other for the second account holder, these must be signed separately. This is because the lender will not accept jointly signed forms for joint accounts. This applies mainly to Barclays and any other lender in the Barclays group.

Points to Consider – 2

2. Sign and date the forms clearly. If this is left blank, dated incorrectly or you write your date of birth here, this will invalidate your form, and delay your case.

If you receive a form just in your name, and realise the account was in fact a joint account, please call us on 01925 552 923 so your case information can be updated and the correct form re-issued to you for both account holders to sign.

The PPI Reclaim Process – Step 3

Returning the Pack

Read, sign and send the papers back in the pre-paid envelope.

Situations could arise that may cause delays in your PPI being investigated. This section deals with the way we contact you if further information is needed before your PPI Check is sent to your lender.

Once your pack is received by Money Management Team first task is to check that all the necessary information has been included. All of the documents in the pack are necessary to start the PPI Check and for it to proceed. If the pack is sent back with missing documents or if they are unsigned in the correct place, your PPI Check will be placed on hold until the right information is obtained.

Remember for a joint account, both parties have to sign all of the documents before they are returned. This may differ from lender to lender, but you will be advised of any different requirements, where necessary.

The PPI Reclaim Process – Step 4

Your PPI Check

Once we have received all the documentation we require, we will request your PPI Check from your lender. If your lender confirms that PPI was not present, we will close your case and advise you of this. If PPI was or may have been present, we will contact you to advise you of your options, including the possibility of making a claim to recover any money you may be rightfully owed by your lender for any mis-sold PPI.

Should you pursue a claim, we will complete a PPI Questionnaire with you which is necessary to make the complaint. You will then be sent a copy of this, along with forms to sign to confirm you are happy with the information we have gathered to present your complaint to your lender.

Upon receipt of your signed forms, we will issue a formal Letter of Complaint to your lender, starting the process of recovering any money your lender may owe you for PPI.

The PPI Reclaim Process – Step 5

Getting the Decision

Have you received an offer? Is your money on its way back to you?

Once your claim letter has been received, the lender must acknowledge this and start the investigation. FCA guidelines for PPI investigations state that a lender must respond to the complaint within eight weeks, with either:

  • A final response to the complaint, advising whether they are upholding or rejecting it, or;
  • A reason why they have not reached a decision – requests for further information can delay the completion of the investigation. It is therefore important you respond to such requests as soon as possible to prevent delays.

A final response to a PPI complaint should be either:

  • A recognised case of PPI mis-selling, where we aim to recover 100% of any premiums you have paid, plus any interest paid on those premiums and where possible a further 8% in simple interest, or;
  • A rejected claim and the reasons for it, which would be explained in writing.

The PPI Reclaim Process – Step 6

Appealing a Rejection

If a case is rejected, we may be able to lodge an appeal at no extra charge.

Receiving a letter rejecting your PPI claim is disappointing, but need not be the end of the line.

If your claim has already been rejected by the lender, there an option of approaching the Financial Ombudsman Service (FOS) to independently review the case. They can overturn the rejection, if they establish the lender has mis-sold the policy. This service will not cost extra, however, charges may be raised if you cancel your claim after the 14 day cool off period.

The FOS are used to dealing with many thousands of PPI claims and instructing lenders to pay compensation where they feel it is due. Unfortunately, complaint numbers are so high that the FOS is struggling to keep up.

The PPI Reclaim Process – Step 7

Invoices and Fees

If your claim is successful, what happens next?

Successful offers are passed to the offers team who deal with the offer made and progress the case accordingly.

Mostly, lenders will reimburse you directly by transferring funds into your account or by sending a cheque if you are no longer a customer. Money Management Team will send you an invoice for our fees of 20% + VAT of the total redress offered by your lender, including any reduction of any outstanding agreement.

Occasionally, a lender will send your payment directly to Money Management Team as we are acting as your representative. Should this happen, we will deduct the requisite 20% + VAT of the total redress offered by your lender, including any reduction of any outstanding agreement, before sending the remainder on to you.

The PPI Reclaim Process

Reclaim process complete!

PPI Deadline



The PPI deadline has now passed and we are no longer accepting any new PPI claims.

Please be assured, if you have already enquired about a PPI Claim with Money Management Team Limited we are processing your enquiry and will update you as your claim progresses. If you need an update in the meantime, please contact us.

You can pursue your own claim direct to the firm to obtain a refund. You can do this for yourself at no cost and then use the Financial Ombudsman Service or Financial Services Compensation Scheme (FSCS) which are both FREE.

£Millions Remain Unclaimed!

Important Information

Please Note: Your PPI Claim starts with a Free PPI Check service. Our PPI Claim fee of 20% + VAT (so 24% of the total redress offered by your lender) is payable if your claim is successful. That means if we don’t recover you anything, you don’t pay us a penny.

You can submit a claim directly to the lender yourself for no charge. You can also approach the Financial Ombudsman Service and Financial Services Compensation Scheme for free to review your case, providing it falls within their remit and you have approached your lender first.


PPIClaims.com is a trading style of Money Management Team Ltd. Money Management Team is a member of the Professional Financial Claims Association (PFCA).
We comply with the PFCA Code of Practice


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.

The PPI deadline (29th August 2019) set by the FCA has now passed and we are no longer accepting any new PPI claims.

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.

As the PPI deadline (29th August 2019) set by the FCA has now passed and we are no longer accepting any new PPI claims.

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.

As the PPI deadline (29th August 2019) set by the FCA has now passed and we are no longer accepting any new PPI claims.

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.

The PPI deadline (29th August 2019) set by the FCA has now passed and we are no longer accepting any new PPI claims.

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.

The PPI deadline (29th August 2019) set by the FCA has now passed and we are no longer accepting any new PPI claims.