Letter to reclaim PPI for free

Despite what you might think, reclaiming mis-sold PPI can be a relatively simple process. Use our template letter to help you get your money back.

Use our free PPI tool or template letter

If your provider isn’t listed in the tool below, or if you would prefer to tailor a letter yourself, you can use our PPI template letter.

If you can’t remember who your lender was, check your credit file, which you can do free of charge.

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[Date]

[Your Name & address]

[Name and address of PPI provider]

FAO: Complaints Manager

Dear Sir/Madam,

Re: [insert credit reference number and the PPI policy number]

I purchased the above policy from you on [date] in connection with the [mortgage/loan/credit card/store card/finance agreement] referenced above.

I believe I was mis-sold this policy for the reasons given below and wish you to investigate my complaint according to your normal complaint procedures.

[insert one or more of the following bullet points – whichever points refer to you. Delete any which are not relevant]

  • I was not told that the insurance was optional.
  • I was led to believe my application for credit would be rejected if I did not take out the insurance.
  • The policy exclusions were not explained to me either before or at the time I took out the insurance. I was therefore unable to make an informed decision as to whether this insurance was appropriate for me.
  • I now believe the insurance was unsuitable for me as I was suffering from [insert name of any medical condition you had] at the time I took out the policy and was not made aware of the specific exclusion which relates to pre-existing medical conditions.
  • I now believe the insurance was unsuitable for me as I was [self employed / unemployed / in temporary employment / on a fixed-term contract/retired] at the time I took out the policy and was not made aware of the specific exclusions relating to unemployment cover.
  • The policy was unsuitable for me as I was over the maximum age of [insert maximum age].
  • It was not explained to me that the policy premium would be paid upfront as a single premium and would be added to my debt and attract interest.
  • The insurance [has expired / will expire] before my loan/credit agreement ends, which means I [am paying / will be paying] interest on a policy that is no longer in force. This was not made clear to me at the time the policy was sold to me.

If my complaint is upheld, I require a refund of all premiums paid to the policy, plus any additional interest charged to me because of the PPI. 

I would also like to claim statutory compensation in view of the fact that I have been deprived of the use of this money.

Please now investigate my complaint within the eight weeks allowed to you.

Yours faithfully,
 

Download Letter

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