YES

CHECK THE SMALLPRINT

FOR PPI OR ASUIS IT THERE?

YOU'LL NEED TO REQUEST

YOUR PAPERWORK FROM THE

LENDER/POLICY PROVIDER.

SAY IT’S FOR YOUR RECORDS,

DON'T MENTION PPI CLAIMS.

LENDER PROVIDER

POLICY PROVIDER

WAS IT ACTIVE IN THE LAST 6 YEARS?

YOU PROBABLY DON'T HAVE PPI AS YOU'VE NOT HAD A BORROWING

TO PROTECT.

NO

NOYES

BANKS DON'T HAVE TO KEEP

RECORDS AFTER 6 YEARS,

CALL AND ASK THEM TO SEND

THE ACCOUNT NUMBER TO

YOU IN WRITING ALONG WITH

CONFIRMATION OF WHETHER

THERE WAS PPI OR NOT.

DO YOU HAVE THE AGREEMENT AND ORIGINAL DOCUMENTS?

YOU SHOULD MAKE A CLAIM. YOUR POLICY MAY HAVE BEEN MIS

SOLD TO YOU.

YOU MAY STILL HAVEMIS SOLD PPI PPI WAS OFTEN SOLD AFTER THE POINT

OF CREDIT AGREEMENT.

GET THE FORMS AND GO IT ALONE

HAVE YOU HAD A LOAN, MORTGAGE, CREDIT CARD, CAR FINANCE OR ANY TYPE OF BORROWING?

SENDTo:

Subject:

DO YOU HAVE THE LOAN AGREEMENT OR CREDIT CARD NUMBER?

NO

NO

YES

HOW TO START YOUR CLAIM

THE PPI CLAIMS PROCESS

YESYESNO

MAKE SURE THEY'RE

NO WIN NO FEE

LET A CLAIMS COMPANY HANDLE IT ALL

STEP 1DOWNLOAD A FINANCIAL OMBUDSMAN (FOS) QUESTIONNAIREFROM WWW.FINANCIAL-OMBUDSMAN.ORG.UK AND FILL IT OUT IN FULL.

WRITE A LETTER OF COMPLAINT STATING THAT YOU BELIEVE YOU’VE BEEN MIS SOLD PPI, WHICH IS A BREACH OF REGULATIONS AND YOU WANT

TO MAKE A COMPLAINT.

POST YOUR LETTER OFCOMPLAINT AND THE FOSQUESTIONNAIRE TO YOURLENDER.

LETTER OF COMPLAINTSTEP 2

STEP 2

YOUR LENDER HAS 8 WEEKS TO RESPOND. THEY WILL RESPOND IN ONE OF THREE WAYS…

THEY MAKE YOU AN OFFER

THEY DECLINE THE REFUND

THEY SAY THERE’S AN ISSUE WITH THE COMPLAINT

1 2 3

IT'S THE RIGHT AMOUNT ACCEPT IT AND RECEIVE A REFUND WITHIN 28 DAYS.YOUR PPI CLAIMIS OVER

WRITE BACK AND ASK THEM TO JUSTIFY THE LOW OFFER. REMEMBER: YOU’VE ONLY GOT 6 MONTHS FROM THE FIRST OFFER TO APPEAL TO THE LENDER AND THE FOS BUT YOU HAVE TO GO BACK TO YOUR LENDER FIRST.

IT SEEMS LOW REFER YOUR COMPLAINT TO THE FOS AND APPEAL THE DECISION - 6 MONTH DEADLINE APPLIES.

RE-SUBMIT YOUR COMPLAINT WITH THE DETAILS THEY WANT – THEY HAVE ANOTHER 8 WEEKS.

INCORRECT DETAILS MAY HAVE BEEN SUBMITTED

AROUND 80% OF MIS SOLD PPI CLAIMS ARE REJECTED BY LENDERS, BUT DON’T GIVE UP

STEP 3

80%

THE FOS CURRENTLY HAS A 12-18 MONTH TURNAROUND ON PPI COMPLAINTS, THEY WILL RESPOND IN ONE OF TWO WAYS…

SENDTo:

Subject:

UPHOLD YOUR COMPLAINT AND INSTRUCT THE LENDER TO MAKE YOU AN OFFERCONGRATULATIONS, YOU’VE WON A REFUND WHICH SHOULD BE ISSUED WITHIN 28 DAYS. YOUR PPI CLAIMIS OVER.

REJECT YOUR COMPLAINT THIS INITIAL RULING WILL BE MADE BY AN ASSESSOR NOT AN OMBUDSMAN, AS A RESULT YOU CAN APPEAL IT.

1 2

AN OMBUDSMAN UPHOLDS YOUR COMPLAINT. CONGRATULATIONS, YOU’VE WON A REFUND WHICH SHOULD BE ISSUED WITHIN 28 DAYS.

AN OMBUDSMAN REJECTS YOUR

COMPLAINT.

THAT’S IT – YOU WEREN’T MIS SOLD PPI AND ARE NOT OWED A REFUND.

AND HOW TO MAKE A REFUND CLAIM

GIVE THEM YOUR ACCOUNT NUMBER, SIGN A FEW FORMS AND SIT BACK. EXPECT TO PAY 25% + VAT OF ANY REFUND.

GET ALL OF YOUR COMPLAINT PAPERWORK TOGETHER AND REFER YOUR CLAIM TO THE FOS

APPEAL THE DECISION AND AN OMBUDSMAN WILL MAKE A FINAL RULING

THAT’S IT, YOUR CLAIM IS OVER.REMEMBER - THIS IS JUST ONE PPI COMPLAINT AGAINST ONE POLICYAND YOU MAY HAVE MULTIPLE MIS SOLD POLICIES. TRY AND RECALL ALLTHE LOANS, CREDIT CARDS AND OTHER BORROWINGS YOU’VE HAD AND REPEAT THE PROCESS.

IF YOU CHOOSE TO GO IT ALONE... MAKE SURE YOU KNOW HOW MUCH YOU’VE PAID INTO YOUR PPI POLICY AND DON’T SETTLE FOR ANYTHING LESS THAN A FULL REFUND. YOUR LENDER MAY OFFER YOU AN ESTIMATED REFUND, PARTIAL REFUND OR UPHOLD YOUR COMPLAINT IN PART – DON’T STAND FOR IT AND BE PATIENT, YOU’RE OWED ALL OF YOUR MONEY BACK. GOOD LUCK.

✓ ALL HIDDEN POLICIES FOUND

✓ FREE REFUND CALCULATION

✓ OVER £30MILLION REFUNDED SO FAR

FOR HELP WITH YOUR CLAIM

OR TO START YOUR REFUND,

CALL FREE ON 0800 840 7292

2ND OFFER IS FOR FULL AMOUNT ACCEPT IT AND RECEIVE A REFUND WITHIN 28 DAYS.YOUR PPI CLAIM IS OVER

2ND OFFER IS STILL LOW REFER COMPLAINT TO THE FOS