PPI (Payment Protection Insurance)

What is PPI?

Payment Protection Insurance (PPI) was a product designed to cover your repayments on Loans, Credit Cards, Car Finances, Mortgages or Store Cards if you are unable to work due to an accident, illness or redundancy.

As many as 64 million PPI policies have been sold in the UK between 1990 and 2010, but it was often mis-sold.

More than £29bn has already been paid back to people who have complained about the sale of PPI.

Complaints about PPI have previously been made about the way the PPI was sold, but following a recent change in complaints handling guidance there is also reason to complain if the bank or other provider earned a high level of commission from the sale of PPI, which you were not told about at the time of sale.

How was PPI mis-sold?

It is likely you were mis-sold PPI if you experienced any of the following:

  • you were pressured into buying PPI or told you must have PPI
  • you were promised a cheaper rate if you bought PPI
  • you were told your loan or credit application was more likely to be accepted if you bought PPI
  • PPI was added without telling you
  • you were advised to buy PPI that did not suit your circumstances or needs
  • you were self-employed, unemployed or retired but advised to buy PPI
  • you had a pre-existing medical condition at the time of buying PPI, which may have affected your ability to make an insurance claim
  • you were advised that a pre-existing medical condition was included in your PPI policy (or advised that it was not included)
  • 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

There may be other reasons you were mis-sold PPI.

New Reason to Complain

The changes to the complaints handling guidance, were a result of a court case about commission earned by a provider (often called ‘Plevin’), which means you can now also:

  • complain even if PPI was not mis-sold or you do not think it was mis-sold
  • complain even if you had a previous Complaint about mis-selling of PPI rejected

Who sold PPI?

We have provided a list below of some lenders who could have sold you Payment Protection Insurance (PPI):

Who sold PPI?


What can you do?



You can start with a Free Check to see if you were ever sold or whether PPI was ever added to your account. Complete our PPI Check Form to get started and we can check with your Lender.


Once PPI is identified

Once PPI is identified, the Free PPI Check period ends and we will continue to work on preparing, submitting and negotiating Your Claim(s). Our Fee of 36%, inclusive of VAT, will be payable on all successful Claim(s), as per the Terms of Engagement. Alternatively, you can complete the Claim(s) yourself.

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