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.
Which? Editorial teamIf you didn’t complain to your provider by 11:59pm on 29 August 2019, you’ll only be able to claim money back for PPI in exceptional circumstances. Use our template letter to help you get your money back.
To find out more about scenarios which could qualify as extraordinary circumstances,
There is a file available for download. ( docx — 15 KB ). This file is available for download at .
If you can’t remember who your lender was, check your credit file , which you can do free of charge.
You'll need to edit a few key details and send it off to your provider yourself.
There is a file available for download. ( docx — 15 KB ). This file is available for download at .
[Date]
[Your Name & address]
[Name and address of PPI provider]
FAO: Complaints Manager
Re: Exceptional circumstances PPI claim
I believe I have been mis-sold PPI in connection with the [mortgage/loan/credit card/store card/finance agreement], and wish you to investigate my complaint according to your normal complaint procedures.
I am aware that my complaint has been sent after the official PPI claims deadline of 29 August 2019.
My reason for not making a claim before this time was [state the reason why, giving as much detail as possible as to why you weren’t able to do so]. As a result, I would like these extraordinary circumstances to be taken into consideration by you.
[Optional]To help ensure a prompt resolution to my complaint I am including the following information: [include as much personal information as you are happy to provide to help the PPI provider process your claim, this can include but is not limited to your date of birth, former names and addresses.]
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 policy.
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 investigate my complaint within the eight weeks allowed to you.
[Name]