How Far Back Can You Claim PPI?

How far back can you claim PPI?  This will depend on when the loan or credit agreement was taken out the standard amount of time usually quoted by claims companies is six years.  We have been able to claim much further back than this with some of our clients reclaiming up to 15 years of their mis-sold PPI. 

Don’t worry if you no longer have the paperwork or documents, we are able to make a claim on your behalf without any kind of paperwork or even the policy number. Please fill in the form on this page for a free no obligation consultation.

I tried to make a claim for my PPI but was told it was too old

There are time limits which apply to making a complaint and you usually need to raise the complaint within the past six years of the policy being sold to you. (Again contact us if you want to claim futher back)

Lots of people who are currently complaining about PPI are in time as it’s only recently that they have known that there has been a problem with the miss selling of these policies.

Usually if the policy was sold a long time ago, the banks may not hold the records for the borrowing or the policy itself, which is why they have said that it is too old for them to look into.

But if you do hold information regarding the policy or have a loan or credit card statement showing PPI payments, then the banks should look into the complaint, where you can send them proof of this.

If the banks still decline the claim, they should send you a letter stating the reasoning behind this and then you can send the complaint to the Financial Ombudsman Service for them to review.

If you do not want to go down this route then we would be happy to look into the complaint for you, all we would need to know to start a claim is the name of the lender and if you have moved house, then the address that the lender would most likely have on record for you.

We work on a No Win No Fee basis, so if no PPI is found or if a refund is not agreed by the lender then there is no fee to pay. Don’t delay, email your name and postal address to or call 01752 840623 to talk to someone about your situation.

What is a Mis-sold Mortgage?

From the 31st October 2004 the Financial Services Authority (FSA) has regulated mortgage advice. The rulebook which it uses to monitor the industry called the Mortgage Conduct of Business (MCOB requires the advisor selling the mortgage to follow strict guidelines to protect the customer. One of the key areas is that the client is suitableContinue Reading

Mis-sold Home Emergency Insurance by Homeserve

Were you mis-sold home emergency insurance by Homeserve?  Homeserve is one of the largest suppliers of this type of cover, however they are currently facing a fine of £34.5 million pounds for mis-selling and other failings. Nearly 2.5 million people in the UK have protection with them to help with the cost of emergency homeContinue Reading

How Far Back Can PPI Claims Go?

Most people are aware of the PPI scandal, but are unaware of how far back can PPI claims go.  Payment Protection Insurance (PPI) is a commonly used form of insurance that provides protection from missing payments on mortgages, credit cards and the like. Most often, PPI is used when an unexpected event such as anContinue Reading

PPI Claims Time Limit

What is the time limit on a PPI Claim?  Across the UK, millions of people are looking over their loans, mortgages and credit card payment information to see if they have been overcharged for PPI or payment protection insurance. The recent scandal involving many UK banks and lending institutions has resulted in thousands of PPIContinue Reading

Making a PPI Claim With No Proof of Account

Payment protection insurance commonly referred to as PPI is an insurance cover that aims to help the consumer in making payments in case of illness, loss of income, or death. It basically cushions a consumer when in distress. However, over the years banks took advantage of the cover and grossly mis-sold it to millions ofContinue Reading

PPI Claims 2013 – Apply NOW before it is to Late

The future is always uncertain. Hence when people take out loans, debts or mortgages, they also pay for payment protection insurance cover to protect them incase they lose their source of income before they repay the loans. This cover is for people in employment. Students, pensioners and self employed people are not eligible for theContinue Reading

Have you been declined for a home insurance claim?

A home insurance is taken in order to protect one against the loss they may incur in case of a disaster or damage in their homes. Some of the risks that may be insured against include earthquakes, fire, or hurricanes. However, even with these covers, not all claims are compensated. Sometimes, the home insurance companyContinue Reading

Do you have a PPI mortgage claim?

PPI mortgage can also be referred to as mortgage PPI or MPPI. MPPI covers mortgage payments for the beneficiary is designed to make payments on behalf of the beneficiary in difficult situations that may disallow mortgage payments.  These situations include loss of income due to illness, loss of employment, or death. The payments are madeContinue Reading

How to make a bank complaint?

A bank complaint is a formal or legal claim made against the bank by its customer. Bank complaints are normally lodged directly to the bank concerned. If the bank declines the claim or takes no action then the customer can use other avenues to make a complaint such as the financial ombudsman or the courts. Continue Reading

Recover Your Money Ltd 

PL12 4QR
Tel: 01752 840623 
Registered in England & Wales No. 05930456, VAT No: 124 3163 50


If for some reason I am unsuccessful in obtaining a refund or if there is no PPI on the facility then there is nothing to pay. It is purely a No Win No Fee basis so you have nothing to lose, where our fee if successful is 25% including the VAT.


Just to give you some background I have been dealing with bank complaints for over 15 years personally following my time in a high street bank. My company operates with a handful of staff and a continuous number of clients so that I personally have time to oversee all of the claims.


If you do not know all of the information regarding the facilities you would like me to look into, which can include any Loans, Credit Cards or Mortgage accounts or are uncertain as to whether there is insurance on the borrowing, just add the name of the lender and the address they are likely to have on file on the sheet that I am sending. I can then check the information on your behalf going back about 14 years so it can be in relation to either current of closed facilities.


Martin Knipe