Quick Answer
Claiming PPI Without Paperwork: You can claim for free yourself. Never pay an upfront fee to a claims management company. The Financial Ombudsman Service ↗ is free and independent.
- Plevin commission claims survived the 2019 deadline — undisclosed commission over ~50% is the trigger
- A free Subject Access Request forces lenders to search old records
- Never pay a claims firm — they take up to 24%+VAT for templates
What Actually Moves the Needle
Evidence, not memory, decides old-policy claims: Subject Access Requests force lenders to search records at no cost to you, and policy references hide in old statements under codes like ASU, LPI or 'payment cover'.
PPI didn't fully close in 2019 — it changed shape: Plevin-based commission claims run through courts, not the ombudsman, typically where commission exceeded 50% of premiums and was never disclosed.
Claiming PPI Without Paperwork
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
No — you can claim yourself at no cost, and claims firms take a significant slice of any award. Free templates do the same job.
In Plevin v Paragon the Supreme Court ruled that undisclosed high commission (often 50–70% of premiums) made PPI sales unfair. Even if a mis-selling claim failed, you may reclaim the commission portion plus interest.
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.
The FCA's main deadline passed in August 2019, but claims remain possible where you were never properly informed, only recently discovered the policy, or via Plevin commission claims — often through the courts rather than the ombudsman.
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