The deadline was extended - claim now for mis-sold insurance
You can still claim for mis-sold PPI in 2026. The original August 2019 deadline was extended—there is currently no deadline (though one may be set). PPI claims average £2,000–£5,000 in refunds plus 8% interest. Don't use claims companies—handle it yourself and keep 100% of your refund. Use our template to demand refund from your lender.
PPI (Payment Protection Insurance) was insurance sold with loans, credit cards, and mortgages. It was supposed to cover repayments if you lost your job, fell ill, or died. However, banks mis-sold PPI massively: selling it to people who couldn't claim (self-employed, retired), to people who didn't want it, without explaining terms, and adding massive markups. The FCA estimated over 64 million policies were mis-sold. Banks have paid out billions in refunds.
If you took out a loan, mortgage, or credit card between 2000–2010 (the peak mis-selling period), you likely have a PPI policy attached.
Request your credit file from Experian, Equifax, or CallCredit. This shows all historical credit products. Identify any PPI policies. Write to each lender requesting: (1) Statement of Account showing PPI charges, (2) Refund of all PPI premiums, (3) 8% annual interest from each payment. Most banks will refund. If they refuse, escalate to the FOS. You have no deadline but claim soon—banks' systems for older records eventually close.
Use our PPI Claim Template to draft the letter quickly.
Yes. Banks initially refused many legitimate claims. Court cases (like Plevin) later proved customers right. Re-claim with new evidence or through the FOS if previously refused unfairly.
Check old loan documents, credit card statements, or your credit file from Experian. Contact your lender directly and ask about PPI on your account.
8% annual interest from the date of each PPI payment. If you paid PPI for 5 years, you'll get 5 years of interest added. Use our calculator to estimate.
No. Claim now. A new deadline may be set at any time. Don't risk losing your claim. Once a deadline is announced, late claims will be rejected.
No. Claiming for a refund is not a complaint and won't affect your credit. It's a legitimate consumer right.
Use our Bank Tools to check if you have PPI and draft a formal claim letter.
Start Your Claim