Start Your Free PPI Check* Today!
Have you ever had a loan, credit card, store card, catalogue or mortgage? If so, don’t delay start your Free PPI check.
We can check if you had PPI with most banks or lenders.
Simply complete our form below to start your PPI Check!
CHECK MY PPI RECORDS FOR FREE*
STARTING YOUR FREE PPI CHECK* IS SIMPLE
Fill in our Online Form
We will call you and discuss your check in more detail.
Sign our pre-filled forms
We will send you the PPI check Letter(s) of Authority for you to read, sign and return in the freepost envelope.
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.
Find out before the PPI deadline!
The Financial Conduct Authority (FCA) has announced that there is now a PPI deadline in place to claim back PPI. As of 29th August 2019, no more PPI claims will be accepted by the lenders. If you believe that you may have paid PPI then this is definitely the time to look into it.
Fill in the form at the top of this page to start your free PPI check* today!
What is PPI?Many borrowers were sold payment protection insurance (PPI) alongside finance products such as catalogue accounts, credit cards, loans, mortgages and store cards. The purpose of PPI was to cover the repayments if the borrower found they could not, due to being out of work for the following reasons:
How to check if you had PPI?If you’ve had loans or other credit products in the past and are unsure if they included PPI, ask your provider directly, alternatively you can engage a claims management company to act on your behalf. When using a claims management company (CMC), it is important that you first check if the company is authorised and listed on the Authorised Business Register from the Financial Conduct Authority. Should you still have documentation for past loans and finance products, that’s great as it will expedite the process. If not, then the only information you need to get started is your name, date of birth and previous addresses. Look for ‘PPI’, or the product names listed below, on original documents, credit agreements, recent statements, and the terms and conditions for each agreement. Information about the PPI policy and any payments you made may appear next to repayments and are sometimes shown as an additional charge.
Which product names to look for in your paperworkAs explained above, PPI policies were usually sold with other products like a loan, credit card, store card, mortgage, overdraft or with a car finance agreement. If PPI has been included on a finance product you’ve had, the documents may state PPI clearly, others not so. There are many alternative names used to describe PPI and similar products. Look for the following terms on your paperwork:
- account cover
- credit insurance
- loan protection
- accident, sickness and unemployment (ASU) insurance
- credit protection
- payment cover
- loan care
- loan insurance
- loan repayment insurance
- income protection plan
How PPI was Mis-soldIf you find that you had PPI and are unhappy with how it was sold, you can complain about it to the bank or other provider concerned and claim back any money you’ve paid with interest. Find out about mis-selling of PPI and why you might be eligible to claim a refund. 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 by the bank or other finance provider
- The bank or finance provider promised you a cheaper rate on your finance if you bought a PPI policy
- It was mentioned that your loan or credit application was more likely to be accepted if you bought PPI
- PPI was added to your finance agreement without your knowledge
- The advice given was to buy PPI even though it did not suit your personal circumstances or needs
- You were self-employed, unemployed or retired but was still advised to buy PPI
- There were pre-existing medical condition(s) at the time of buying PPI but you were not advised that the PPI policy would not cover these or you were advised that a pre-existing medical condition was included in your PPI policy (or advised that it wasn’t included)
- It wasn't made clear to you that interest was also applicable on the PPI if it was added to the loan
- The bank or provider did not make it clear that the PPI would end before the loan or credit was repaid