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5 Excuses NOT to Claim PPI Compensation Before the August 2019 Deadline

With the announcement of a PPI deadline of August 2019, customers are being encouraged to make a claim. What are the five top excuses for not claiming back the money you are owed?

PPI Excuses

You are unaware you have been paying for PPI on a loan, credit card, store card, catalogue accounts…

We find that many of our customers were simply unaware that they had the PPI policy in the first place. And this places thousands of customers in danger of not making a PPI claim before the August 2019 deadline.

Even if you don’t think you have PPI, you MUST check because you never know!

You agreed to it so you think you can’t claim PPI compensation

We have found cases where customers purchased a ‘fully protected’ loan – in other words, the customer was ‘protected’ by PPI.  The terms and conditions of the PPI were not fully explained and neither were the customers in some cases covered by the policy.

You were told you had to buy it so…?

Were you told or given the impression you had to buy PPI?

The terms and conditions of the loan may state that some form of insurance is compulsory, which in itself is not the problem. What was the problem was when customers were told that the lender’s ‘own brand’ PPI was compulsory. This is incorrect. As with all insurance policies, you are free to shop around and get the best deal. If this happened to you, you may have a compensation claim.

Your application form was pre-filled so you don’t have PPI (don’t you?)

Many lenders and banks pre-filled applications for their customers. Whilst this may seem helpful, look professional, be neat and tidy, the likelihood is that many of the ‘tick boxes’ of optional items such as PPI were already ticked. This left little choice for you to opt in or out. If you recall this happening to you, again you may find that you have a PPI compensation claim.

You bought your loan online or over the phone and no one mentioned PPI but you do have insurance in case you can’t make repayments…


Again, this seems to be a problem in which many customers were duped into taking out PPI on their loan etc. Some items were left to the customer to read in the small print terms and conditions, even though the representative knew from customer information the customer would not be covered.

If you knew you weren’t covered or that the majority of the cost of arranging the policy was being paid out in commission, would you have still bought it?

We offer our services on a no win, no fee basis. Why not call our team today to find out if you have a claim for PPI compensation?

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