Quick Answer
PPI Claim Rejected — What to Do Next: You can claim for free yourself. Never pay an upfront fee to a claims management company. The Financial Ombudsman Service ↗ is free and independent.
- A free Subject Access Request forces lenders to search old records
- Never pay a claims firm for form-filling you can do free
- Plevin commission claims survived the 2019 deadline — undisclosed commission over ~50% is the trigger
Insider Notes
Evidence, not memory, decides old-policy claims: a free SAR compels a full record search, and the policy often appears only as a three-letter code on statements.
The post-deadline landscape is narrower but real: undisclosed-commission (Plevin) claims survived the deadline, typically where commission exceeded 50% of premiums and was never disclosed.
PPI Claim Rejected — What to Do Next
This guide explains your rights and how to claim what you're owed. FindYourPPI.com provides independent information to help you navigate the UK financial complaints process.
Do You Need a Claims Management Company?
No. You can make most financial claims yourself for free. Claims Management Companies (CMCs) typically charge 15–30% of any payout. Here's who you can complain to directly:
| Route | Cost | Who It's For |
|---|---|---|
| Financial Ombudsman Service ↗ | Free | Banks, insurers, lenders |
| Small Claims Court ↗ | From £35 | Smaller claims under £10,000 |
| Direct complaint to lender | Free | Always try this first |
| Claims Management Company | 15–30% of payout | Only if you prefer not to do it yourself |
Step-by-Step: How to Make a Financial Claim
- Gather evidence — account statements, correspondence, original agreements
- Write a formal complaint to the firm's complaints department
- Wait up to 8 weeks for a Final Response Letter
- If rejected or unsatisfied, escalate to the Financial Ombudsman Service (FOS)
- FOS investigation — takes 3–9 months but is free and independent
Key Financial Complaints Bodies
- Financial Ombudsman Service — Complaints ↗
- FCA — How to Complain ↗
- Citizens Advice — Financial Services ↗
- MoneyHelper — Making a Complaint ↗
Frequently Asked Questions
The FCA's main deadline passed in August 2019, but routes remain: Plevin-style undisclosed-commission claims and cases with exceptional circumstances — often through the courts rather than the ombudsman.
No — claims can be made directly for free, and claims firms take up to 24%+VAT of any award. Free templates do the same job.
In Plevin v Paragon the Supreme Court ruled that hidden commission on PPI created an unfair relationship. Even if a mis-selling claim failed, a commission-based claim may still succeed.
Check old statements and agreements for terms like 'payment protection', 'loan protection', 'ASU', or write to old lenders — they must search records back many years.
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