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Expat PPI Claims

Expat PPI Claims

A survey conducted in 2015 revealed that approximately five million British expats live outside of the UK. Of the many countries British expats choose to live, the majority are in Australia and Spain.

Claim PPI As an Expat or Non-UK National

While living in the UK, people who are now British Expats or Non-UK Nationals would have taken out loans and mortgages, had credit cards, store cards and used mail order catalogues. There is a real possibility that these may have had PPI attached to them. Although you are no longer living in the UK you may still be able to reclaim mis-sold PPI.

You may have been sold PPI with your credit finance deal without being aware of it or it may have been unsuitable for your situation at that time. Borrowers often felt they had no option but to take out the PPI to secure a loan deal.

In other situations, the sales person may not have followed the right rules and procedures in selling PPI.

Countries from Which You Can Make A PPI Claim

British Expats and Non-UK Nationals can make PPI claims from most of the countries that Expats favour. The countries where PPI claims can be made from include:



Due to the proximity of the PPI deadline, we are no longer accepting any new PPI claims to allow us to process existing PPI Claim enquiries

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.

Dont Miss the 29th Aug 2019 PPI Deadline!

£Millions Remain Unclaimed!

  • Abu Dhabi
  • Australia
  • Canada
  • Channel Islands
  • Dubai
  • France
  • Germany
  • Hong Kong
  • Ireland
  • Italy
  • Japan
  • Kuwait
  • New Zealand
  • Portugal
  • Singapore
  • South Africa
  • Spain

Note: The above countries are the most popular destinations for British Expats and Non-UK Nationals but there are no countries that are excluded from where a PPI claim can be made from.

What is PPI?

PPI is also known as loan repayment insurance, credit insurance or credit protection insurance and was added to credit facilities (e.g. loans, credit cards & mortgages) including overdrafts. The purpose of PPI was to protect the borrower so that all repayments would be met if they couldn't work because of accident, illness or redundancy.

PPI shouldn't be confused with income protection insurance which is not normally attached to a debt and covers the borrower for the duration of their incapacity. Whereas, PPI only covers payments on average for a 12-month period. This allowed the borrower time to find an alternative way of making repayments for example finding employment if they were made redundant, or returning to work after illness.

How PPI was Mis-sold

It is widely known that PPI was mis-sold to consumers, many of which were unaware that PPI was added to their loan.

It was inferred to some consumers that their application for a loan, credit card or mortgage would be declined without PPI in place. The fear of losing the finance led consumers to take out PPI, even though it wasn't required.

Grounds for PPI Complaints

If any of the following situations happened to you at the point of sale, the bank or finance provider may have mis-sold you PPI:

  • Did you feel pressured into buying the PPI policy?
    • The bank or provider should have carried out an assessment of your personal circumstances, without any pressure or hard sell, to ascertain if PPI would benefit you.
  • Did you have any pre-existing medical conditions at the point of buying the PPI from the bank or provider?
    • If there was ever a time that you couldn't work during the term of the PPI policy because of a pre-existing medical condition, you would not have been covered by the policy.
  • Was the duration of PPI cover less than the term of the finance agreement, and did the bank or provider explain that you would have no PPI cover towards the end of the finance agreement as a result?
    • You may have been mis-sold the PPI cover if the bank or provider failed to explain you would not be protected for any period during the finance agreement.
  • Did the bank or provider let you know the PPI policy could be cancelled?
    • The bank or provider should have let you know that you had the right to cancel the PPI within the mandatory cooling off period.
  • When you were buying the PPI policy, did the bank or provider explain what the total cost of PPI was?
    • The bank or provider has a duty to clearly explain all costs relating to your PPI agreement. If they didn't, this could be a mis-selling factor.
  • Were any attempts made by the bank or provider to find out if you had other PPI policies that would cover your repayments?
    • The seller should have asked if you had PPI cover with another provider. If you did, further cover wasn't necessary.
  • Was your age more than the upper age limit for the PPI policy at the point of sale?
    • If there was an upper age limit on the PPI policy and you were older than this, you would not have been covered.
  • What was your employment status the time PPI was sold to you (retired, self-employed or unemployed)?
    • When the PPI was sold to you and any of the above applied, you wouldn't have been covered and the PPI wouldn't have been of any benefit to you.
  • Were you led to believe the PPI policy was compulsory when taking out the finance?
    • If you required a PPI policy when taking out the finance, you should have been made aware that you had the right to shop around to find the best deal. However, if you had a PPI policy elsewhere, you should not have been sold another policy.
  • Did you know that the bank or provider had added PPI to your agreement?
    • If you didn't know that PPI had been added to your agreement, it may have been added without your consent or you may have needed to select an opt-out box, that was not clearly marked.
  • Had the bank or provider made it clear to you that part of your PPI premium may be paid as commission?
    • If they didn't, the Plevin rule says that if the commission paid to the bank or provider was over 50% of the premium, you were mis-sold PPI.
  • Were PPI policy exclusions made clear to you by the bank or provider before taking out the cover?
    • You may have been mis-sold the PPI policy if you were not told about policy exclusions.

How Much PPI Could I Claim?

A successful PPI claim against your bank or provider would entitle you to a full refund of PPI paid, you would also be entitled to a refund of any interest charged on the PPI. In addition to this there is compensation interest calculated at 8% per year on the combined total.

Why Claim Through Us?

There are two ways to make a PPI claim, do it yourself or use a professional claims management company like PPI-Check.com.

If you choose to use our professional services you can expect to receive the following:

  • A no obligation PPI check, that's free of charge, with the aim of finding out if you were sold PPI or not;
  • Any agreements you may have forgotten, could come to light through our searches;
  • We have several facilities available to use and use specific addresses for each of the following services- DSAR, formal complaints and information only requests;
  • If your PPI Check reveals PPI on any of your agreements we will offer you the PPI Claim Service that recovers money you may be owed mis-sold PPI;
  • If you decided to continue with a claim, we will use our expert knowledge to determine if the PPI sold was suitable, if you were eligible and do what we can to secure your refund;
  • Any compensation offered by lenders will be reviewed by us. If we have evidence to show that you should be paid more, we will submit an appeal for you;
  • If necessary, we will refer your case to the Financial Ombudsman Service (FOS) at no cost to you;
  • You will be kept informed of how your claim is progressing throughout the process.

Making A PPI Complaint

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