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PPI Claim Form

What Is PPI?


The simple answer is this: Payment Protection Insurance. Some press coverage and informal reports refer to PPI as loan repayment insurance and credit protection insurance. This insurance policy was meant to help a borrower continue payments if they became ill, disabled, lost a job, or for any other reason was prevented from paying the debt.

PPI was sold to millions of customers in the past 20 years, as many as 50 million since 1990. In many cases, it was an add-on to the loan. This may not seem to be a problem as similar insurance can be purchased during the loan process in many cases. However, PPI has become an issue because many customers didn’t know that they had purchased PPI or were told that they were required to buy it to get the loan. In some cases, the customer wouldn’t have been able to collect on the policy because he or she was unemployed or self-employed at the time.

Mis-Sold PPI

Now, many of these PPI plans are considered to be mis-sold. Each situation has to be carefully assessed to determine what would happen if the person became unemployed, for example. Historically, the number of rejected claims has been high compared to other types of insurance, according to the Financial Ombudsman Service (FOS).

This has also held true when others have investigated the issue. As The Guardian noted, complaints to the FOS have increased significantly as banks use a variety of techniques to avoid refunding money. Some media coverage used the word “stall” when describing tactics used by banks contacted about PPI transactions.

The BBC also reported that PPI was mis-sold for well over a decade and complaints were mishandled “on an industrial scale.” Some of the mis-selling was apparently carried out by third-party brokers who received significant commissions.

Reclaiming on PPI

If you feel that you have a claim or if you’re not sure whether you even have PPI, you may want to get in touch with specialists who have helped thousands of people make successful claims. The steps are simple and convenient, something you can do from home. Just visit the website and complete a short no-obligation enquiry form. A claims pack will be sent to you at no cost with no obligation to continue.

If you decide to work with the specialists, just fill in the forms and return them to the claims management company. The staff will write to all the banks or other lenders with which you have loans, credit cards, or mortgages. You may even find that you have PPI and didn’t know that you have been paying for it all along. Working with experienced professionals can reduce the time it takes to get a refund. It definitely reduces the worry and stress of trying to go through the process on your own.

The total amount that could be refunded amounts to £25-£30 billion. If you were mis-sold PPI, there’s a good chance that you could get most or all of your money back. Get started today.


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