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Payment Protection Insurance (PPI)

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If you are not able to find any paperwork relating to PPI you may have taken out, you can contact us to enquire if you have ever held PPI with us or complain. Find out how to contact us to check if you had PPI or to complain here.
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If you want to complain, you should do so as soon as possible and before the deadline on 29 August 2019. For information on how to make a complaint, please visit here.   There is no need to use a Claims Management Company (CMC) or a solicitor to make your complaint. CMCs and solicitors are likely to charge you a fee for their services. If you contact us directly we will assess your complaint in exactly the same way that we treat complaints sent in by a CMC or solicitor and you won't be charged any fees by us. If you choose to use a CMC or solicitor, you should check that they are authorised. 
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Payment Protection Insurance is an optional insurance policy, typically taken out alongside loans or credit cards that could help cover your repayments if you can't meet them due to illness, sickness, disability or involuntary unemployment.   Payment Protection Insurance was sold on Tesco Bank Loans taken out between January 1997 and March 2009 and has been available on Tesco Credit Cards since January 1997.
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If you have already submitted a complaint to us regarding undisclosed high commission and/or profit share you may have received an acknowledgement from us advising that we would place your case on hold pending the rules and guidance on PPI complaints being published/implemented. The new FCA rules and guidance came into force on 29 August 2017 and we will be contacting you with our final decision on your complaint therefore there is no need for you to contact us again.
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If you remain dissatisfied after receiving our decision on your complaint you have the right to refer the matter to: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR   You can telephone them on 0800 023 4567 or 0300 123 9123 or visit their website for further information.
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Following rules and guidance from the FCA in March 2017, you may be able to make a new type of complaint about PPI.   You could receive some money back if we received a high level of commission and/or profit share on your PPI policy and you were not told about this when you bought it. A high level of commission and/or profit share typically means that it was over 50% of the total premium that you paid for your PPI policy.   The new rules apply to a policy that covers repayments on a Credit Card taken out before 6 April 2007 where money was owed or potentially owed on or after 6 April 2008 (even if you stopped using your Credit Card before 6 April 2008) or if your Credit Card was taken out on or after 6 April 2007. They apply for a Personal Loan if it was opened on or after 6 April 2007 or before 6 April 2007 and was still open on or after 6 April 2008.
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Once the deadline has passed, PPI complaints will only be considered in certain circumstances. These include: If you have a live PPI policy and in the future have a claim on it that is rejected for reasons related to the sale. The complaint must be related to the reason the claim was rejected, for example, eligibility, exclusions or limitations. If your PPI policy was sold after 29 August 2017.
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You can find further information relating to PPI and/or guidance on making a complaint on the websites of: Financial Conduct Authority Financial Services Compensation Scheme Money Advice Service Money Savings Expert Which Citizens Advice Bureau
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Even if you have previously raised a complaint about your policy being mis-sold and this was rejected, you may still be able to make a new type of complaint about undisclosed high commission and/or profit share. However please note that if you previously raised a complaint about your policy being mis-sold and this was accepted and you received money back, you will not be eligible for money back as a result of an undisclosed high commission and/or profit share complaint.
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 Unfortunately we are not able to provide information on any other providers of Payment Protection Insurance.   If you have any further questions or concerns please contact us on - 0345 835 6295*    *This number may be included as part of any inclusive call minutes provided by your phone operator.
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