How we help with your claim
Your options once your money arrives
No win, no fee*

What is PPI?

Payment Protection Insurance or PPI is usually sold alongside loans, mortgages, credit cards or any other financial agreements as a form of cover in cases of accident, sickness and unemployment where you can no longer afford to repay your lender. However, in many instances people have been mis-sold this type of insurance, leaving them unable to even claim against it.

In 2011 a ruling by the High Court - now fully accepted in the industry - means that banks must pay back mis-sold PPI along with any interest charged on premiums. This has left well over a million customers in a position to reclaim sums of money that can total thousands of pounds.

At Writefully Yours we’ll help you find out how much you can reclaim from mis-sold PPI and our professional, friendly staff will help you at every step.

If you believe that you may have been mis-sold PPI on a loan, mortgage or credit card, click here to learn about the steps of the claim process

Reclaim your PPI


If you've got a question about the PPI claims process, from how to claim PPI to what happens when your claim is resolved, you may find the answer here in the Frequently Asked Question section

Can the lenders use the claim money to pay off my arrears or outstanding debts?

If your account is in arrears, it's likely that any refund you receive from a claim would be used towards paying off those arrears.

Your arrears would be reduced. However, you may not receive any cash, and our fees of 30% plus VAT would still be payable.

What is PPI mis-selling?

PPI mis-selling occurs when an individual has been incorrectly sold a Payment Protection Insurance policy.

There are cases were the lender has encouraged the sale of a policy when it does not meet the individual needs of the person. For example people who have long term illnesses, unemployed or retired, amongst many other situations. The result of this is the borrower paying for an insurance policy that can never pay out, because it is not applicable to their situation.

Other instances of mis-selling, have occurred when people have been told they must take out a PPI policy or that it will improve their chances of being approved for the loan. In some cases the PPI has been added to the loan without the consent of the individual. All these situations are clear cases of PPI mis-selling.

I'm not sure if I had PPI with my loan?

Many loans and credit cards taken out have included some form of Payment Protection Insurance.

Look at the paperwork sent to you at the time you took out your loan, credit card, mortgage or finance agreement to see if you have paid PPI or not. Sometimes it's included on your statements and might be listed as 'payment protection insurance', 'loan protection cover', 'card protection cover' or something similar.

You can also contact your lender or finance provider if you're still not sure.

I don't have my PPI policy number. Can I still make a claim?

Yes. Just provide us with as much information as you can about your account including any documentation and we will contact the lender to find the PPI policy number for you.

Can I make more than one claim?

Yes, most people make several claims as they have had several loans and credit cards with PPI attached. At Writefully Yours we can make sure we recover payments from all applicable lenders, where PPI has been mis-sold.

How long will it take?

The time taken to claim back PPI depends on the case. As each process varies by lender, we can advise you based on your own unique set of circumstances.

Once we lodge your complaint your lenders have 8 weeks in which to reply. Each case is different and the payout time will vary depending on when you took out the loan or credit card, what paperwork you have and how quickly the lender or insurance provider replies.

The sooner you start the process by contacting us, the sooner you'll receive your refund if your claim is successful.

How much will it cost me?

We operate on a No Win No Fee* basis and won’t charge you a penny unless your claim is successful. If we do win your claim our fees are 30% plus VAT.

Example A – your redress* could be paid to you by bank transfer or by cheque If the total amount you receive comes to £3,000, Writefully Yours would be paid £900 in fees; VAT would be £180 and you would receive £1,920. This money would be yours to spend on whatever you want.

Example B – if your account is in arrears or you’re in a debt management plan with the same lender It’s likely that any payment from a claim would be used by the bank/building society to pay off the debt. If the total amount you receive comes to £3,000, the full amount will be offset on your outstanding debts. Of course, this would mean that you would still need to pay Writefully Yours £900 in fees and VAT of £180.

*Refund of PPI premiums paid including interest charged on premiums and statutory interest.

What will I have to do?

Call 0800 954 6547 and speak to one of our friendly advisers. They'll tell you in minutes whether they think you may have a claim.

We'll then send you a pack that will contain our Terms of Business which you should read carefully and keep and a Letter of Authority for you to sign. (A Letter of Authority authorises us to act on your behalf.) Send the signed Letter of Authority back to us in our pre-paid envelope along with copies of any documents that are relevant to your claim, including electronic documents and we'll take care of the rest for you.

Sit back and relax. We’ll be doing all we can to progress your claim.

My loan has been paid off, can I still claim?

It doesn't matter if your loan has already been repaid – if the PPI policy was mis-sold you are entitled to make a claim. It simply means that if the claim is successful you will receive the claim in cash.

Please note, as banks are not legally obliged to keep records of accounts over 6 years old, therefore the process may be slightly more difficult for claims on loans over 6 years old.

My claim is in progress but I have additional information to support it, what can I do?

Any information you have will help us with your claim. Get in touch as soon as possible so we can include the new information in our review. We will ask you to forward the relevant documentation, including any electronic copies.

Call us on 0800 954 6547.

Will this claim affect my relationship with the lender while I am still their customer?

It would be unethical for your relationship with a lender to change just because you claim to have been mis-sold PPI and requested a refund.

You are also protected by the Financial Conduct Authority “Treating Customers Fairly” principle, and the Banking Code. Any offer you receive will be made without prejudice.

Will making a PPI claim affect my credit rating?

No. Making a PPI claim will not affect your ability to obtain future credit or any existing credit you may have.

Who are you regulated by?

Allixium Limited trading as Writefully Yours is regulated by the Claims Management Regulator in respect of regulated claims management activities. Our registration is recorded on the following website:
Address: 57-60 High Street, Burton on Trent, Staffordshire DE14 1JS.

If I am in a debt management solution, can I still make a claim?

If you're in a debt management solution, it's likely that any refund you receive from a claim would be used towards paying off the debts if with the same lender.

Your arrears would be reduced. However, you may not receive any cash, and our fees of 30% plus VAT would still be payable.

My lender is withholding money due to an alternative policy being available. Why is this?

This could be due to Comparative or Alternative Redress.

For example when you took the loan or credit card out, there may have been an option for a cheaper form of protection.

If this is the case, it means that your lender has decided that you might have taken out the cheaper policy for your loan or credit card. They will then work out how much you would have paid for the cheaper insurance product at the time (this is based on what the regulator has set out) and then refund the difference.

If you have received a letter from a lender outlining the above, then please call us on 0800 954 6547 so we can advise you further.

Ways you can pay your fees

Your fees can be paid by the following methods:

You can pay by card – Just give us a call us on 0800 230 0111

Cheque/postal order - Send us a cheque or postal order made payable to Writefully Yours

Post to: Writefully Yours
Fairclough House
Church Street

Bank Transfer to our account:

Writefully Yours
Sort code: 160018
Bank Account: 10920579
Quoting your reference number

If you are having difficulty paying your fees give us a call on 0800 230 0111 and we will be able to discuss your options.

Request a call back