Free guide – DIY PPI claim form (updated November 2018)

PPI claim form

In this guide we’ll answer some common questions and give tips on how to do a DIY PPI claim.  If you prefer to get help from a PPI claims management company at a very competitive price rather than doing a DIY PPI claim, you can just fill in the short form on the right instead or use the Contact Us page.

Customers often have a lot of questions about claiming PPI such as:

  • How do I get the details I need to fill out my PPI form?
  • How do I fill in a PPI claim form?
  • What should I say about how I was sold PPI?

Standard PPI claims forms from lenders and the Financial Ombudsman Service (FOS) are typically 8-11 pages long and are sometimes daunting, but we’ll help you with some tips here. As long you have time to get your information together and can work methodically through the forms, it’s not too difficult.

How do I get the details I need to fill out my PPI claim form?

SAR files

If you have statements or other paperwork (mortgage setup paperwork, credit card statements and so on) this helps.  If you don’t have this information, you can ask your lenders for it by completing a Subject Access Request (SAR).  You’ll usually find details of the address to write to for this on the lenders’ web-sites.

Subject Access Request (SAR) tips:-

  1. You’ll need to do a SAR for each lender.
  2. You should not now need to pay a fee for the SAR (since GDPR came into force)
  3. You may be able to do a simpler pre-submission check with some lenders – this will not give you copies of everything however so you’ll need to trust the lenders.
  4. Lenders have up to a month to respond.
  5. You have a legal right to personal data held by lenders under the GDPR/Data Protection Act (some data is exempt, but this won’t normally affect what you need for PPI).
  6. If you have joint policies, both of you will need to sign letters.

Be aware that when you do a SAR, the lender will usually send everything they have on file. “Everything” could be stacks of paper.

Prefer to get some help instead?-

  1. Fill out the form on the right and you’ll receive a simple claims pack with no obligation – an advisor will do all of the above for you.
  2. There’s a charge if we successfully get compensation for you, it’s free to check if you didn’t have any PPI.
  3. If you have paperwork, great – if not, don’t worry and don’t delay.
  4. If you have PPI, a claims advisor will put together your complaint in an effective way and process it with your lenders.
  5. They’ll do all they can to minimise the time and effort needed from you.
  6. If the lender rejects your claim they’ll even do new complaints through the Financial Ombudsman Service (FOS) for you (if you have a realistic case).

How do I fill in the PPI claim form?

Fill in PPI form

Once you’ve got the information above, you’ll be looking for details of the PPI policies you had. Remember that PPI had other names from different companies.

When it comes to completing the forms, you’ll ideally need the PPI policy numbers for all your PPI policies, the dates you took out the PPI and whether it was in just your name or in joint names.  Policy numbers are not essential however.

Apart from the basic details of your PPI policies which you’ll get as described above, the rest of the PPI claim form is mostly concerned with how they sold the PPI to you.

  • What did you need the credit for?
  • How was it sold to you?
  • Were you told it was optional?
  • Did you pay a lump sum for the PPI or in installments?
  • Whether you were paying off debts.
  • Your arrears history.
  • Your employment status at the time.
  • Any insurance you already had in place.
  • Whether you have claimed on your PPI.
  • and so on.

What should I say about how I was sold PPI on the PPI claim form?

Some sites may suggest perfect answers to give when completing your PPI claim form, but we recommend being honest about all of this.  It’s possible you could end up in hot water for distorting facts or straight out lying about your PPI claim. It’s also unnecessary. PPI was so badly handled by most lenders and their agents that the truth is the easiest and best course.

That doesn’t mean that it’s not worth getting up to speed on what is and is not mis-selling of PPI.  Otherwise you could miss something which is relevant and important to a successful claim. We have also spoken to a lot of people who say the opposite of what would be helpful to their complaint.

A couple of examples:

  • people are often proud to say how they’ve “never missed a day’s work” – but if you did have a medical condition that meant you took time off (or perhaps should have) before they sold the PPI, that’s VERY relevant to a mis-selling complaint.
  • a person came to us (unfortunately after they’d already complained).  They had said in their complaint that they had “never agreed to take PPI” – but the bank had their signed application form, so by using this argument and not something more relevant, they had lost their opportunity to claim.

In broad terms, this will be to do with your circumstances when you took out the credit.  Your employment, health, other debts, savings and quite a lot more are all relevant.  It also includes how the person selling to you handled the sale. Unfortunately, there’s bit too much to go into in an article like this because mis-selling took so many forms depending on your circumstances and the type of credit involved.

Prefer to get some help instead?

  1. Fill out the form on the right and you’ll receive a simple claims pack with no obligation – an advisor will do all of the above for you.
  2. There’s a charge if we successfully get compensation for you, it’s free to check if you didn’t have any PPI.
  3. If you have paperwork, great – if not, don’t worry and don’t delay.
  4. If you have PPI, a claims advisor will put together your complaint in an effective way and process it with your lenders.
  5. They’ll do all they can to minimise the time and effort needed from you.
  6. If the lender rejects your claim they’ll even do new complaints through the Financial Ombudsman Service (FOS) for you (if you have a realistic case).