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Start your Post Office PPI claim

You could be owed £1,000s in PPI compensation if you ever had a Loan or Credit Card with Post Office

Start your Post Office PPI claim below:

Start claim - step 1

Step 1

To start your Post Office PPI claim, enter your email address above

Start claim - step 2

Step 2

We will contact you to gather more information about your Post Office PPI claim

Start claim - step 3

Step 3

We will send pre-filled forms for you to sign & return to us

Start claim - step 4

Step 4

Sit back & relax while we process your Post Office PPI claim


What is Post Office PPI?

Post Office payment protection insurance (PPI), also known as loan repayment insurance, credit insurance or credit protection insurance was designed so that the borrower could make repayments to Post Office if they were unable to earn income to service the debt. This shouldn't be confused with income protection insurance which is not usually attached to a debt. PPI was widely sold by Post Office as an add-on to the loan or an overdraft product.

Post Office PPI usually covered payments for a minimum of 12 months, this gave the borrower enough time to find alternative means of making repayments such as going back to work.

How was Post Office PPI mis-sold?

Some Post Office PPI policies were sold without the consumer even aware that PPI was added onto their loan. Some consumers claim that Post Office informed them that their application for a loan, credit card or mortgage would be declined if they didn't take out Post Office payment protection insurance. In some cases this led to fear of losing a loan and the borrower would accept the Post Office PPI even though they may not of even needed it.

Have you been mis-sold PPI by Post Office?

Post Office may have mis-sold you PPI if any of the below statements are relevant to you at the point of sale:

  • When you were sold your PPI policy by Post Office, were you unemployed, self-employed or retired?
    • If you were unemployed, self-employed or retired when Post Office sold you your PPI policy, you would not have been covered and therefore the Post Office PPI policy would have been of no benefit to you.
  • Did Post Office make you aware that part of your PPI premiums may have been paid as commission?
    • The Plevin ruling means that if over 50% of your PPI premiums were paid in commission to Post Office, you were mis-sold and are due a PPI refund.
  • Were you aware that Post Office had added PPI to your agreement?
    • If you were not aware PPI had been added to your agreement by Post Office, it may have been added without your consent or it may have been opt-out box which was not obvious.
  • Did Post Office make you aware of any exclusions or circumstances in which you would not be eligible to make a claim?
    • If you weren’t told by Post Office about the exclusions, or circumstances in which you couldn’t claim, you may have been mis-sold your Post Office PPI policy.
  • Was the total cost of the Post Office PPI policy clearly explained to you at the point of sale?
    • Post Office should have explained every aspect of any costs relating to your PPI agreement. Failure to do so would be considered a big mis-selling factor.
  • Did Post Office make you aware about cancelling your PPI policy?
    • You should have been made aware by Post Office that you had the right to cancel your PPI policy within the cooling off period.
  • Did you feel pressured into purchasing the Post Office PPI policy?
    • A simple assessment of your personal circumstances to determine if PPI was of any benefit to you should have been carried out by Post Office, with no pressure or hard selling.
  • Did you have a pre-existing medical condition at time you were sold your PPI policy by Post Office?
    • If you were ever unable to work throughout the term of your Post Office PPI policy due to the pre-existing medical condition, you would not have been covered by the Post Office PPI policy.
  • Was the term of your Post Office PPI cover shorter than the term of the finance agreement AND did Post Office not explain that there would be a period of no PPI cover towards the end of your finance agreement?
    • If Post Office did not explain that you would be unprotected for any period of time throughout the finance agreement, you have been mis-sold your Post Office PPI policy.
  • Were you older than the upper age limit for your Post Office PPI policy?
    • If Post Office had an upper age limit on the PPI policy and you were above this set age, you would not have been covered.
  • Did Post Office enquire if you had PPI cover elsewhere that would of covered repayments?
    • Post Office should have asked if you had pre-existing PPI cover elsewhere as this would have been sufficient.
  • Were you led to believe that the Post Office PPI policy was compulsory to your finance agreement?
    • If a PPI policy was required for the finance agreement, Post Office should have made you aware that you had the right to shop around OR if you had pre-existing cover elsewhere, Post Office should not have sold you another PPI policy.

What could you be owed from Post Office?

If you have a successful PPI complaint against Post Office upheld, you would be entitled to a full refund PPI paid to Post Office, a full refund of any interest charged on the PPI by Post Office and a compensation interest of 8% per annum on both of those combined.


About us

About us

My Claim Solved Ltd is regulated by the Claims Management Regulator in respect of Claims Management Activities; its registration is recorded on the website www.claimsregulation.gov.uk. Authorisation Number: CRM 29233

Registered with the Information Commissioners Office; registration number: Z2853770

My Claim Solved Limited, Registered in England, Number: 7718504, VAT Number: 123294629

Customer relations

Customer relations

Customer relations are something we strive to maintain and improve. Should you wish to complain about our Company or service you may do so by writing to:

Customer Relations, My Claim Solved Limited, Tormohun House, Barton Hill Road, Torquay, TQ2 8JH

Contact us

Contact us

Address:
My Claim Solved Limited, Tormohun House, Barton Hill Road, Torquay, TQ2 8JH

Phone:
01803 322 822

Email:
info@myclaimsolved.com