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Payment Protection Insurance - PPI

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Moving on UP is a trading style of Ian Straw who is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority


The information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.


*Some of these products are not regulated by the Financial Conduct Authority

Was I mis-sold PPI?


If you have taken out a loan or credit card in the last ten years you may have PPI which could have been mis-sold.

If any of the following apply you may be able to reclaim your PPI:


  • You were told PPI was compulsory or you weren’t made aware that it was optional.
  • You were informed that by taking PPI you would have a better chance of obtaining the finance required.
  • The insurance was added to your loan agreement without your knowledge.
  • You were unemployed, retired or self employed at the time of taking out PPI.
  • Policy exclusions were not pointed out to you – for example you may not be able to make a claim if you are off work due to stress related illness or back problems.
  • You were not asked whether you had any pre existing medical conditions.
  • Your employer provided a benefits package which included cover for sickness, redundancy or income protection.


As well as all of the above, the FSA has stated that lenders have to justify why single payment policies are suitable for clients. Were you aware of the method of paying for your PPI? If not, it is possible that you have been the victim of a mis-sale.


So what are you waiting for? A few minutes of your time could be worth thousands of pounds back in your pocket.

Have you taken out a loan or credit card in the last ten years? If so, it is likely that you were sold payment protection insurance (PPI) alongside it.


PPI is designed to protect consumers in the event that they are unable to work due to illness, injury or redundancy ensuring that their loan repayments are kept up to date. However, many lenders have been hit with criticism and fines totalling millions of pounds for the mis-selling of these policies. According to a Which? study, as many as 2 million people may have been mis-sold PPI and are entitled to thousands of pounds in refunds, are you one of them?