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Check for PPI on your NatWest:

  • Natwest Loan PPI CheckLoans
  • Natwest Credit Cards PPICredit Cards
  • NatWest Mortgage PPIMortgages
Our Simple Process
  • PPI Claim Step 1
    STEP 1Complete Our Simple 2 Step Claim Form
  • PPI Claim Step 2
    STEP 2Receive Free Pre-filled Forms In The Post
  • PPI Claim Step 3
    STEP 3Sign The Letter Of Authority & Return To Us
  • PPI Claim Step 4
    STEP 4If you've paid PPI, we can process your claim & retrieve your refund*
*There is no pressure, if you decide to handle the claim yourself that's absolutely fine.

Natwest PPI Claims

Over the last decade it’s been hard to avoid what has been the biggest banking scandal in UK history. We’ve all been privy to extensive media and news coverage; receiving texts and calls with a hefty helping of television advertisements thrown in to the mix, designed at helping potential victims of mis-sold PPI claim back what is rightfully owed to them.

The Payment Protection Insurance scandal is the biggest and costliest to ever hit the UK financial sector and we’re here to study the different elements of PPI and how we can help those who have been mis-sold claim back their hard earned cash.

PPI: The Low Down

To fully understand the PPI story, it’s important to assess the background. Payment Protection Insurance (PPI) was an optional insurance policy that was attached to financial products, such as loans, mortgages, credit cards and car finance policies. The idea of the insurance is to cover the re-payments on these products if the policy holder was unable to do so.

There are a number of reasons that would prevent people from being able to cover their monthly repayments, these include:

Who Are Natwest?

NatWest are a retail and commercial bank based in the UK. Since 2000 the bank has been part of The Royal Bank of Scotland Group, officially ranked as one of the largest banks in the world. We’ve compiled a quick rundown of the key historical points:

NatWest clocked up 100,000 plus complaints in just six months; the equivalent of more than 800 a day
How Did PPI Come to Prominence?

The concerns about Payment Protection Insurance were first raised in 1998 by Which? magazine – amongst their chief concerns were the price of the product and how it had been widely mis-sold to people who perhaps weren’t even eligible to utilise the benefits of the product.

Even though these concerns were brought forward, PPI was still widely mis-sold by financial outfits country wide, and NatWest were no different. It wasn’t until 2005 that the appropriate authorities such as the Financial Services Authority, got themselves into gear and compiled a report on PPI and the poor practices that were being used to peddle policies.

In 2006, small companies then began to get stung with large fines for their role in the mis-selling of PPI. In 2007 the big companies who thought themselves untouchable were brought back to earth very quickly when they were slapped with fines reaching into the millions.

Detailed research in 2008 exposed the fact that over 2 million people in the UK had been shelling out for policies that they had no chance to claim on. A further 1 million were thought to have been sold a policy after being told that that was the only way they could take out a line of credit. Which is of course false.

Time Left PPI What's Next?

It’s quite easy to procrastinate and put things off until tomorrow but more often than not, tomorrow never comes.

So, if you believe that you have been mis-sold PPI, it’s important to act now before it’s too late.

Free PPI Check
How Has PPI Affected NatWest?

In 2011, NatWest saw complaints rise by over 70% in only half a year and this was mostly due to the mis-selling of PPI.

The bank, which is 81% owned by the state, clocked up nearly 150,000 complaints in just six months – this is the equivalent of more than 800 a day.

This data affected NatWest’s standing, considering that its ‘Customer Charter’, which was advertised considerably, proclaimed them to be ‘Britain’s most helpful bank.’

The group which owns NatWest has so far paid out nearly £2billion to customers who were mis-sold PPI policies. This figure consists of £300million just to settle administration costs with the rest being paid out to customers.

So What’s the Problem?

Recent data from the Financial Ombudsman Service revealed that banks all over the high street have been unfairly rejecting thousands of PPI complaints, which has forced customers to send their complaints to the FOS, who investigate cases of banks rejecting PPI complaints and decide whether the customer’s complaints are valid or not.

NatWest have been complicit in this, and have had a massive 40% of claims upheld by the Ombudsman, this shows that the banks are dragging their feet on a lot of claims, attempting to buy time and it shows that even despite massive fines and reprimands, banks are still refusing to deal with customers fairly.

This indicates there could still be thousands of complaints that have been unfairly rejected, and NatWest have set aside further provisions to deal with this eventuality.

PPI ClaimsPPI Claims Deadline

Mis-sold PPI Compensation claims MUST be made by June 2019 under proposals announced by the Financial Conduct Authority (FCA). It is important to understand that in some cases, you may have less time than this.

Were You Mis-Sold by NatWest?

NatWest were by no means the only company that mis-sold PPI policies and they were mis-sold in a variety of different ways, so any potential mis-sold customer must be aware of each of them. Once the banks and lenders discovered PPI was an excellent source of profit, they began instructing their salesmen to sell policies at all costs, with the promise of large commissions, despite being fully aware that in some cases they were peddling a product that was unsuitable for the customer’s circumstances.

Opting In: In many cases, customers were ‘opted in’ to a PPI policy without knowing about it and the high monthly premiums were hidden away within the regular monthly repayments.

The Aggressive Sell: Salesmen would often use aggressive techniques to sell policies. When a customer refused or stated that they didn’t need a policy. Salesmen would then run them through a list of potential problems that could occur if they didn’t have a policy.

Many Customers Were Never Eligible: Some staff were told, at the request of the banks, that they had free reign to use whatever technique they wanted to sell policies. In a lot of cases this encouragement created a situation where millions of policies were sold to people who weren’t able to use the insurance they’d purchased.

PPI Was an Option:

Despite what was told to thousands of NatWest customers, PPI is and always was a choice. It wouldn’t affect your eligibility to take out the credit. Many customers only agreed to this because they were led to believe that it was non-optional.

PPI Map Statistics
UK mis-sold PPI scandal statistics £10 Billion

In payouts alone in the UK.

By 2008, 20 million PPI policies existed in the UK that’s nearly 1 in 3 of the 2008 UK population

Natwest PPI Percentages
What Happened When PPI Became Public Knowledge?

During the late 90s and early to mid-2000s PPI was running rampant and was earning NatWest and the other banks millions upon millions. Once the authorities began to start properly policing PPI, they strong armed the banks into paying back what they unlawfully took from customers.

NatWest then contacted the customers they believed were mis-sold PPI and informed them that they may have been mis-sold and could be due a refund.

People were then able to contact NatWest and provide them with the details of their circumstances and explain why they were due a refund – this included all relevant paperwork that could support the evidence the customer provided.
NatWest provided their customers with all the necessary PPI forms to fill out to ensure that making a claim was simple for the mis-sold customer. This way the bank had all the relevant information needed to assess if the customer was eligible to make a claim rather than having to go back and forth.

Do You Need to Make a Claim?

In order to claim what is rightfully yours, you must be prepared to handover as much evidence as physically possible about the policy in question. According to NatWest the following information will be required to process any claim quickly and efficiently:

After you send over the claim and in the eventuality you receive correspondence rejecting the claim, don’t give up. If you feel strongly that you were mis-sold and have evidence to prove it, then you have every right to contact the FOS and fight the decision.

But let’s be honest: depending on when the policy was taken out, you may not have all the paper work available, but don’t fret, there’s another option available to you.

It’s Easy to Start a Claim with us at PPI Refund

Recent figures show that just over 50% of claims that are made without the help of a company like ourselves are rejected, either because the claimant hasn’t got the access to the required information or because they haven’t got the experience of dealing with these kinds of processes.

PPI Refund has been helping customers retrieve what has been rightfully owed to them for a long time now and during this period we’ve been able to achieve a reputation of helpful, knowledgeable service.

PPI cases are rarely ever the same, and some, particularly the older policies, can be very difficult to achieve results on. However, it’s these difficult cases that have helped us build our reputation, because we’re able to draw from our experience for other similar cases and achieve excellent results for our customers.

Because of our standing in the industry we have brokered a deal with the major banks and lenders, which means that we’re not required to submit anything more than a name and an address at the time the policy was taken out. Once the banks have this information they’re able to assess all of their databases and determine if any PPI was added onto any finance you may have taken out.

This kind of agreement is a relatively new one and is only available to select companies such as PPI Refund.

Why is it Important to Get a Move On?

The Financial Conduct Authority has put forward its intentions to introduce a PPI ‘claim by’ deadline for 2019.

The financial regulator wants the ruling to be confirmed by the middle of 2017 along with a public awareness campaign.

The big five banks have paid out £24bn in compensation so far and have set aside a further £32.6bn to deal with the estimated claims that will come forward during that time. So it’s essential that if you feel you were mis-sold PPI at any time then you begin a free check with us today before it’s too late!

Guide to PPI Refund

In the past few years, the biggest scandal to hit the world of personal credit was centred on PPI. The major reason that the product caused so much controversy was the fact that in many cases, to many people, it was mis-sold. This meant that many people were sold PPI who either did not need it or did not want any such policy. As a result, there have been hundreds of thousands of legal claims against the banks or lenders who sold this product alongside their loans. In many cases, banks and building societies required people to opt out of PPI. If people did not opt out, they ended up being charged for a product that they had never asked for and could often never use in the way that it was meant to be used.

This guide will make you go through the ins and outs of when you may be able to claim on it. In this guide, you will also find out how you can tell whether or not you have been mis-sold Payment Protection Insurance by your Natwest Bank. Finally, this guide will tell you what action you should consider taking if you realise that you have been mis-sold Payment Protection Insurance in the past.

How Did Natwest Sell PPI?

In most of the cases, a sales person from Natwest added PPI onto a policy such as a loan, mortgages or credit cards without the customer’s knowledge and it was being hidden away within the monthly repayments. Sales Advisors would often use inappropriate sales tactics when it came to attaching policies. It is always beneficial to know what defines mis-selling before beginning a PPI claim.

In other cases, some sale staffs were told by their bank to use whatever techniques they could in order to sell PPI to consumers. The policies sold in a lot of cases wouldn’t cover the individual and leave them unable to claim on a policy.

Another way of mis-selling happened when the bank officials failed to clarify to the customer that a PPI policy was optional and that they had the choice to opt-out or even purchase the insurance elsewhere if they wished.

You could have been mis-sold PPI by Natwest bank, if:


You Bought Your PPI Online

If you bought your policy online then it can be difficult to claim for PPI compensation. That’s because full terms are usually provided there and the responsibility of understanding them falls on the people who buy it.

However, there is an exception- if you signed up with your bank that was using pre-ticked boxes meaning that you had to opt out of the insurance, and then you may have bought PPI without realising. In such a scenario it’s possible to claim for PPI compensation.

You were told that the Insurance Was Compulsory

If you have been told that you had to buy the insurance from Natwest, that provided you with the loan, then it counts as mis-selling. Any company that subscribes to the lending code should not compel that you buy an insurance product from them.

If any of the following scenarios have occurred to you then it should be viewed as mis-selling:

If the salesperson from Natwest didn’t specify that taking out a PPI policy was optional.If the salesperson from Natwest implied/stated that not taking insurance could turn out to be more expensive.If the salesperson implied/insisted that taking out a PPI insurance enhances your chance of being approved for the loan.If the salesperson was very insistent and left you in a situation where it became impossible to say no.If the salesperson would not allow you to fill out your application without first taking PPI.

You bought PPI face to face or over the phone?

If you have bought a PPI policy face to face or over the phone, then it’s the salesperson’s responsibility to ensure that you understood the terms of PPI and whether the policy was appropriate for you. This also applies if you bought the policy online but also called the bank about the insurance which is the case usually. This form of mis-selling has often been due to staff being pressured to sell PPI policies.




How Do I Check If I Have PPI With Natwest?

Given that PPI was mis-sold on such an enormous scale, you have every reason to wonder if you may also have a mis-sold PPI.

The first thing for you to determine is whether you actually have PPI. It may sound like a stupid statement to make, but not when you consider that one common tactic for mis-selling the product was to add it without the customer’s knowledge or agreement.

So the first thing you should check is whether you have PPI and how many separate policies you actually have. If you have records of all your finances and paperwork, this shouldn’t be too difficult for you.

The very first thing you can do in order to find out if you have a mis-sold PPI is go through your bank papers related to the loan, mortgage or through credit card documents and check if there is any term mentioned as PPI,  ASU( Accident, Sickness, Unemployment) or any other payment cover.

You can even check your bank statements as the charges for your policy might be reflected on it.

If you are unable to locate your papers or not able to find if you have a PPI policy attached to the loan, mortgage or credit by yourself, we at 3DM Legal can help. You can use our “ Free PPI Check tool” and find out if you have PPI policy attached to your Natwest account.

PPI was fraudulently sold for over a decade by High Street banks such as Natwest. The scale of the mis-selling scandal means hundreds of thousands of people are yet to be compensated what is rightfully theirs for being mis-sold something that they did not want or need.

PPI was systematically mis-sold and you can now make PPI complaints about compensation averaging £2,750.

Hundreds of thousands of people are owed compensation because:

They never asked for PPIThey did not want PPIThey did not need PPIThey did not know they were paying for PPI

If you believe that you have been mis-sold a PPI policy by Natwest bank, then you can claim it by yourself. However, claiming yourself will require you to put in a lot of efforts and it can be daunting to you. So, it is best to seek assistance from a trustworthy PPI specialist legal company that can do all the efforts required and ensure that you are getting the compensation that you rightfully deserve.

No matter how you make your claim for compensation, there are certain things that you should know about PPI.

Let’s clear the most common queries we get regarding PPI.

What exclusions are there for Payment Protection Insurance claims?

As with any form of insurance policy, there are many situations, detailed in the same small print, where you may not actually be able to make a claim- these circumstances are known as “exclusions”.

One such exclusion is often referred by banks and building societies as “foreseeability of redundancy”. It means that if you were made aware that there was some possibility of you losing your job before you took out the insurance plan, then you won’t be eligible to make the claim. PPI providers were very strict with this one and they often refused to pay out even if you hadn’t been directly told that your job was at risk; situations in which they may not pay out could be as simple as the fact that there had been other redundancies at your workplace or that your company was not in a financially secure position.

Another situation in which your PPI plan will not pay out is if you choose to go down the path of voluntary redundancy. This means that if you make the decision to leave your job and do not do so in order to find yourself a different one i.e. you become unemployed, then it is highly unlikely that your insurance company will be willing to pay out to cover your loan repayments.

The vast majority of Payment Protection Insurance plans did not cover people who were self-employed. You may be able to find an insurance company that will offer to cover you if you are in this situation yourself but be careful. Many banks or building societies that will offer to cover you, will be sure to put you under a huge amount of restrictions. Typically speaking, payment protection insurers were willing to pay out for somebody who is self-employed in the event of a major accident or serious illness. However, this does not mean that they agreed to pay out for your loan repayments if you simply ran out of work in your chosen occupation.

Another exclusion that is fairly common amongst PPI providers is based on any pre-existing medical conditions that you may have had before you were sold the PPI. When you took out your payment protection insurance plan, it was compulsory to disclose any information that you had about any medical conditions that you were diagnosed with. You were obliged to inform you payment protection insurance provider if you developed or were diagnosed with any medical conditions throughout the course of your policy term.

There were also other exclusions that relate to self-inflicted injuries, which may prevent you from working and this also applied to any alcohol abuse-related illness that stopped you from being able to continue with your job. If you were sold a PPI By your Natwest bank along with a loan, mortgage or credit card, but were not fully made aware of the exclusion by the bank officials, then you might have been mis-sold and you can make a claim for compensation.




Why PPI Insurance became so controversial?

PPI was sold to consumers alongside credit products by bank and money-lenders. It was meant to help repay some or all of their borrowing if they lost their income for a period of time. This loss of income could have been due to:

An accidentBecoming unemployedThrough sickness

The most commonly sold types of PPI were:

Single premium policies on unsecured loans (around 48% of all PPI policies sold)Regular premium policies on loans or mortgages (around 15%)Credit card PPI (around 36%)

PPI was not a simple product. It had complex premiums and benefits, and detailed policy conditions. Some of those detailed policy conditions included are as follows:

Eligibility criteriaExclusions from coverLimitations to benefits

Involvement of such conditions meant that PPI was suitable for some consumers but not suitable for all. As such, finance providers selling the product should have exercised particular care when trying to sell it.

Unfortunately, often they failed to exercise the necessary care with the result being the PPI scandal that is still being cleaned up now.

In this guide, we have already touched upon the fact that PPI has been right at the centre of one of the biggest controversies to grip the personal banking industry in recent years. It is important that we now look into exactly why the product, which was not so bad initially, caused so much scandal and made so many people eligible for compensation. It is also important to go over the ins and outs of what exactly makes someone eligible for compensation, so that if you have been mis- sold PPI at some point, you know if you are entitled to a refund.

The main reason behind the huge controversy over PPI was not due to the nature of the product but instead it was because of the way in which it was sold by banks and building societies. The vast majority of payment protection insurance providers had dedicated teams of sales staff who were highly incentivised to try and sell as much of it as possible because of the commission scheme under which they operated. This meant that the sales teams were put under immense pressure to be able to sell the product to any client that they spoke to regardless of it being relevant to that client or not. Due to this on many occasions, the sales teams actually strayed very far from the truth in order to try and pin down a sale and a commission.

One of the biggest reasons that this was so problematic was the fact that in most cases, the vast majority of the PPI salespeople were representing a large, well-trusted bank. When people were told that the payment protection insurance provider recommended that they purchase the insurance, they took the policy because of the fact that they did not expect to be lied to by some of the most well-known and respected banks on the high street. In fact, in many situations the people who were tasked with selling the PPI were introduced to their customers as “advisers” when they were, in fact, dressed up salespeople who were there to try and separate the client from their money and not give them sound financial advice.

This culture of high-pressure sales went on for quite some time until the financial regulator finally started taking action in 2006 against big banks that mis-sold the policy. However, the early fines were not seen as effective due to their relatively small size in comparison to the amount of money that was gained from selling the payment protection insurance itself. For many banks, these fines were seen as a risk worth taking because of the profitable nature of PPI. As a result, this problem persisted for several years after the first fines were doled out. It was not until 2011 that some real improvements were brought in the industry and people started realising the extent to which the product had been mis-sold. However, by this point, it was far too late for many people who had already been sold policies for which they were not eligible. Many people who were self-employed were sold policies, which charged them extra for unemployment cover, even though self-employed people would never be able to claim in the event of unemployment.

In time, enough people began to realise that a lot of compensation was now owed to a lot of customers.

In April 2011, the High Court ruled that the banks that mis-sold PPI must repay what they unfairly took from their consumers. They were also instructed to pay their victims compensation on top. Banks like Natwest have been issuing PPI refunds since then, and this PPI saga shows little sign of coming to an end anytime soon as there are still hundreds of thousands of policies that are left unclaimed.

The Banks’ PPI Refund Bill

At the time the PPI scandal first broke, it was estimated that the total bill for the banks would be £4.5 billion. Looking back, that figure is almost amusing now. As of July 2015, the total amount paid out so far for mis-sold PPI already topped £20.5 Billion. A further £5 billion is currently set aside for people still seeking redress from the product.

While the banks hope the additional £5 billion they have set aside will be enough to tie up the whole mess, it may not well be so. We’ve seen PPI provisions increase several times in the past already, and it could quite easily happen again before the scandal can be declared completely ‘over’.

How Did PPI Come To Be Mis-sold on a Large Scale?

Would you be surprised if the main reason PPI was so widely mis-sold was due to the profit incurred from it? For the firms who sold it, PPI proved to be a highly profitable product in general and particularly more profitable when sold in its single premium form.

PPI sales grew rapidly during the1990s and peaked in 2004. Around 45 million policies were sold between 1990 and 2010, worth £44 billion in premiums.

The FCA (Financial Conduct Authority) had already given the banks several warnings and issued fines before the high court ruling in April 2011. But those fines and warnings weren’t enough to change lenders and banks’ behaviour for the simple reason that they were raking in so much profit.

As well as banks themselves gathering in such huge profits, individual salespeople were also lured into poor practices and ethics by way of commissions. It seems that the lure of a bigger paycheque at the end of the month overrode any sense of duty they should have had towards their customers.

The net result is that millions of consumers were duped into taking out PPI that they either didn’t want, didn’t know about or that was useless to them.




Are you eligible for a PPI Complaint?

If you had a loan, credit card, car finance or mortgage with Natwest (or any other Bank in the UK) then you should check immediately whether you had PPI attached.

It’s surprising and shocking when you realise that you are in fact eligible, as millions of policies are still left unclaimed.

Only checking now can bring you some peace of mind, millions of people believe they were not affected; check and you can help bring an end to the saga.

Even if you’re not sure, you should check if you’ve ever had PPI on any loans, credit cards or other finance, which you can do by using our free check tool.

Below are tips on how you can go about checking if you are eligible to make a claim and how to initiate.

Tips for Checking Mis-Sold PPI

The first thing you’ll need to do to check if you were mis-sold PPI is to find out if you actually have it. A common problem in this area arises when important paperwork is lost or discarded along with forgottenaccount numbers.

If you have already discarded your paperwork or you never had it, there are a couple of ways to get the information you need.

One way to find out if you have PPI and if it was mis-sold is to run a credit check on yourself. Whenever you apply for a loan or any type of finance, this will be the first thing your bank does. A credit check will provide a full report of what finances you’ve had and which of them had PPI attached, along with other important information.

For your purposes, you simply want to know if you’ve ever been sold payment protection insurance. Once you know if you’ve ever had it, you can then start the process of thinking back to the point of sale, which will help you decide if it was mis-sold or not.

First Things First: Locating PPI through a Credit Check

To run a credit check on yourself, you can Free check tool on 3DM Legal.

Here are the steps to running a credit check and finding PPI:

    Follow the instructions for running a credit checkGo through your report and locate every type of finance you’ve had that has PPI attached. When looking for PPI, be aware that it often went by other names, such as Loan Cover, Loan Protection, Accident and Sickness Cover (ASU) etc.Make a note of all the finances that have PPI attached.Cast your mind back to the point of sale for each instance of PPI and follow the next set of instructions.

Forgotten Account Numbers

Before we move on with the discovery process of whether you were mis-sold PPI or not, it’s worth mentioning the common problem of lost or forgotten account numbers. If this applies to you, one way around it is to follow the steps provided above. Once you’ve done that, you simply contact the bank that issued the PPI and ask for copies of the paperwork, which will have the account number on it.




Now Determine if Your PPI Was Mis-Sold

Once you have your finance history and know which finances had PPI attached, the next step is to determine whether you believe it was mis-sold or not.

Given the scale of the PPI scandal, it can be easy to think that all PPI was mis-sold, but it wasn’t. PPI in the right circumstances is a worthwhile and valuable product to have.

Below is a summary of the ways PPI was often mis-sold. Think back to the point of sale for each PPI policy you have and see if any of them apply to you:

Employment Status Made You Ineligible

There are a number of ways PPI was mis-sold in relation to a person’s employment status. If your answer is ”Yes” to any of the following being applicable to you at the time the PPI was sold, then it’s likely yours was mis-sold:

You were self-employedYou worked less than 16 hours per weekYou were a contractor (as opposed to full-time employed)

Another significant factor to consider is if your employment status was about to change. If you knew at the point of sale that you would be leaving your work imminently, your PPI may have been mis-sold.

Too Old or Too Young

One condition to be eligible for PPI was your age at the point of sale. If you were older than 65 or were younger than 18 years of age, you were automatically ineligible. If that is the case for you and you have PPI, it was mis-sold to you.

Health Conditions

If you had a pre-existing health condition at the time you took out the PPI, it may have made you ineligible for claiming upon need. The salesperson should have checked this with you. If they failed to do so, your PPI was probably mis-sold.

There are also certain health conditions that are not covered by PPI, such as depression or back pain.




You Were Already Covered Elsewhere

Some Insurance policies already cover a person in the event that they lose their income. It could be as part of your home insurance or even an insurance policy that comes as part of your employment package.

If you were already covered for loss of income under some other policy other than PPI, there would be no need to have PPI. If this applies to you and the salesperson didn’t make you aware of it, you can claim for a refund.

Poor Communication from the Seller

While it’s listed as poor communication, the sad truth is that it was often misleading information and blatant lies that constitute many PPI policies as being mis-sold. Some salespeople told their customers that PPI was compulsory in order to secure the loan they were looking to get approved. This is not true as PPI is an optional product, not compulsory.

In other instances, there was sometimes a box that indicated you wanted PPI and which was already pre-ticked. If you weren’t made aware of the pre-ticked box and your right to untick it, then you were probably mis-sold PPI.

Another area where poor communication was the cause of PPI being mis-sold is with regard to your rights. For instance, many people were led to believe that they had to take out PPI with the same lender that supplied the finance. That’s not true and you were entitled to get it from any other provider around for a better deal.

If any of the above examples apply to you, it’s likely your PPI was mis-sold. If that’s the case, you can claim back what you paid for along with the added compensation.

How Do I Claim Back A Refund From Natwest?

This is quite a common question and as with many things in life, there isn’t a one-size-fits-all answer. It eventually comes down to you as a person and what’s going on in your life.

Here are few things to think about while considering claiming for PPI and the best way to do it:

How good are you with paperwork and figures?How busy are you?How organised are you?

There are basically two ways to claim PPI: the first is to handle the claim by yourself and the second is to have a claims company such as us handle the claim on your behalf.

There’s no right or wrong way to claim; it’s really dependent on your circumstances. Below is a summary of the pros and cons of claiming PPI for yourself versus claiming PPI through us.




The Pros

Probably the only advantage to claiming PPI by yourself is that whatever your bank awards you in a refund  goes directly to you.

The Cons

Any downsides to claiming PPI by yourself are largely subjective. While many PPI claims run quite smoothly, there are also many that are complicated. If your PPI claim is one that doesn’t run smoothly, the questions you need to ask yourself revolve around how you feel about your ability to handle the challenges and added stress that is coming your way.

Having Us Claim PPI for You

The Pros

If your PPI claim turns out to be one of the ones that are not straight forward, it’s not going to be cumbersome for you. Any undue stress that comes along with self-claims is avoided because we handle the entire process for you.

If you agree to get our services, we will complete the majority of the PPI claim form for you before sending it out to you to sign. Signing the PPI claim form acknowledges that the information is correct and that you have given us the authority to claim for you.

If your claim turns out to be quite involved, whereby a bit more admin time than normal is required, it won’t affect you. We’ll handle the entire process and will keep you updated with each step of the way, advising you where your claim is at. Other than that, you won’t need to do anything else.

Start Your PPI Claim without Account Numbers

One of the greatest benefits of having us handle your PPI claim is you don’t have to worry if you have forgotten your account numbers. We have negotiated special agreements with many banks that allow us to start PPI claims even if you do not remember account numbers.

Depending on which bank you wish to claim against, the information required is slightly different. In all cases, you will need to provide:

Your full nameThe address you were living at when you took out the loan/credit/mortgage

In addition to those two requirements to starting claims without account numbers, some banks require one additional piece of information, which is:

One account number

The account number you provide can be from any account you have with that bank or lender. For instance, if you do your regular banking with that bank, you can simply give the account number of your current account.

With the above information provided, we will ensure that your bank searches through their entire database for all instances of PPI that you may have had with them.

In many cases, these banks will also use your information to search the databases of their sister companies too.

The Cons

It’s not a disadvantage as such because good service is something we’ve all been paying for since time immemorial. Having said that, there is a fee for the service we provide, which is a small percentage of the final refund figure you receive, assuming your claim is successful.

If it turns out you weren’t mis-sold PPI, then you won’t pay a penny for any work we would have done. A fee is only payable once the claim is successful.

Are These Agreements Available To Individuals Claiming PPI by Themselves?

Unfortunately, not. If you wish to claim PPI by yourself and you don’t have your account numbers, you will need to go another route.

The best way to do this is to follow the steps outlined above. Once you have run a free check and found where you have PPI, you will then need to contact your bank or firm that issued the PPI and request copies of your paperwork.

When you receive your paperwork, you will have the account number written on it. From there you just complete your PPI claim form as usual and submit your PPI claim to your bank through us or by yourself.




How Much compensation will I get back?

If your PPI claim is successful, the amount you win back will be dependent on the type of PPI you had and how much you paid for it. As such, it is impossible to say in this article what your refund figure will be.

The industry average PPI refund is £2,750 per policy. However, each case is completely unique and it is, therefore, impossible to give an accurate figure here.

You can contact us for advice on PPI claims and you are not under any obligation to pursue your claim further if you choose not to.


When it comes to making a PPI claim, most of the people who are entitled to get a fair compensation, don’t even know that they have a PPI claim. Others may know it but are confused about where to start. A good rule of thumb is to go check if a PPI policy is attached to your account and have a peace of mind. If it is ascertained that you have a mis-sold PPI by Natwest bank, you can claim for compensation either by yourself or through a PPI specialist legal company like us. All you need to do is contact us and provide as much as information you can provide regarding the PPI policy that was wrongfully sold to you along with your loan, credit card or mortgage from Natwest Bank.

We hope that this guide enabled you to understand the ins and outs of PPI compensation.  If you suspect that you have been mis-sold PPI, act now and get the money back that rightfully belongs to you.

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Our Latest Natwest PPI Posts