⚡ Quick Answer
The FCA's PPI deadline was 29 August 2019 for standard claims. However, you may still be able to claim for other mis-sold products including packaged bank accounts, mis-sold car finance, irresponsible lending and tax rebates. The average successful PPI claim paid out £3,200.
Types of Financial Claims
Payment Protection Insurance mis-sold to millions. Average payout £3,200.
Packaged bank accounts, car finance, investments mis-sold by banks.
Millions of UK workers are owed tax refunds. Average rebate: £865.
Important — Claim Yourself for Free
You can make most financial claims yourself for free. Claims management companies (CMCs) charge 20–35% commission. Use the FCA's free PPI tool ↗ or the Financial Ombudsman Service ↗ if your complaint is rejected.
How to Make a Financial Claim
- Identify the product you believe was mis-sold
- Gather paperwork — agreements, statements, any communications
- Write a formal complaint to the firm
- Allow 8 weeks for a response
- If rejected or no response, escalate to the Financial Ombudsman Service (FOS) ↗ — free and independent
Frequently Asked Questions
- Never pay a claims firm — they take up to 24%+VAT for templates
- Plevin commission claims survived the 2019 deadline — court route, not ombudsman
- A free Subject Access Request forces lenders to search old records
The Details That Decide Outcomes
Paperwork archaeology wins these cases: a free SAR compels a full record search, and the policy often appears only as a three-letter code on statements.
PPI didn't fully close in 2019 — it changed shape: undisclosed-commission (Plevin) claims survived the deadline, typically where commission exceeded 50% of premiums and was never disclosed.
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