Excellence at a Fair Price

Established in 2005, we have a long track record of claiming compensation for mis-sold financial products for our clients.

If you have had a loan, credit card or mortgage then you may have been sold a PPI (Payment Protection Insurance). PPI has been systematically mis-sold in the UK to millions of consumers. Here at Canary Claims we have been helping thousands of our customers claim back their PPI premiums plus interest.

Please complete the brief enquiry form on this page and we shall send you an application pack in order to start your claim. Our company works on a no win, no fee basis* and operate a low success fee of 15% + VAT (18% total).

With the PPI Deadline announced for 2019, it is imperative that you don’t miss out on getting money which is owed to you.

* Cancellation charges may apply. Total claim fee including VAT is 18%.

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We find out if you’ve had PPI

We are experts in helping to claim money back from the banks, such as Natwest and HSBC. We find out if you’ve had PPI

We don’t need any documents

We don’t need any documents from you in order to start your claim; we do all the hard work for you so you don’t have to.

We don’t sell your information

We don’t share your information or sell it to any other companies. You can feel secure that your data will only be used by us.

We don’t cold call you

We’re not a call centre that cold calls looking for leads. We operate mainly by word of mouth recommendations.

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PPI Claims

If you have had a loan, credit card or mortgage then you may have been sold a PPI (Payment Protection Insurance). PPI has been systematically mis-sold in the UK to millions of consumers. Here at Canary Claims (established 2005) we have been helping thousands of our customers claim back their PPI claims plus interest.

Please complete the brief enquiry form on this page and we shall send you an application pack in order to start your claim. Our company works on a no win, no fee basis* and operate a low success fee of 15% + VAT (18% total).

With the PPI Deadline announced for 2019, it is imperative that you don't miss out on getting money which is owed to you.

* Cancellation charges may apply. Total claim fee including VAT is 18%.

Why Choose Us?

We are experts in helping to claim money back from the banks, such as Natwest and HSBC.

We have been successful in winning thousands of cases and we offer a unparalleled service, where we will handle all aspects of your ppi claims case, including making sure everything is made simple and we will strive to ensure that you receive the most amount of money as possible. Click here to read our PPI Claims Advice for 2017

Best PPI Claim Company: Canary Claims

We have over 12 years of ppi claiming and we have claimed millions for our customers. We offer a cheap and low fee of only 15%. We will take care of all of your case, including working out your claim by using our ppi calculator and your sending your claim by using our ppi template letter.

Why We Are The Best PPI Claims Company

How Far Back Can You Claim PPI?

There is no specific time limit as to how far back a person can make a claim against a mis-sold policy. The only thing that could hinder a compensation claim is a customer's inability to locate their paperwork. It is easier to win if the ppi was sold in the last 6 years, however not being in this position should not be a problem, when it comes to reclaiming.

How Do I Know If I Have PPI?

To see if you are eligible for compensation is to thoroughly check all loan and mortgage statements and to scrutinize your paperwork to see if there is any mention whatsoever of PPI or an insurance fee which was designed to cover loan repayments if you became sick, suffered an accident, or became unemployed.

PPI was also known as:

How to claim for mis-sold payment protection insurance (PPI)

The Financial Conduct Authority has set a time-bar deadline of 29th of August 2019 as the final date for reclaiming and prior to this date, the FCA is planning to spend millions of pounds in order to advertise this deadline to the general public.

People do not have very long if they wish to make a claim and if you were mis-sold Payment Protection Insurance on a loan, credit card, a store card, a catalogue account, an overdraft or if you had car finance - then it is vital that you check any paperwork that you may have to see if you were mis-sold.

Payment Protection Insurance: Explained

Payment Protection Insurance was a form of insurance which was sold on top of loans, credit cards, catalogue accounts and car finance deals. PPI is an acronym for Payment Protection Insurance. It was originally designed to cover re-payments that a person may have to make if an individual was injured or unable to work.

PPI was wasn't designed to be a bad financial product. However, the banks saw this product as a way of making quick money and it was mis-sold to millions of people in the UK. Staff at banks were told by management to sell PPI’s as it was an easy way of making money and increasing the bank's profits.

These reasons led to premiums being mis-sold on a huge scale.

Banks lied and mis-sold policies, breaking the trust placed in them by their customers.

Due to the amount of policies that were purchased, many individuals have no idea about how much money that they may be owed by the banks and when they make a claim, they are often shocked when they glance at the amount of compensation that they have received.

FCA Deadline for 29th August 2019

The Financial Conduct Authority has announced that the deadline for people who wish to make a claim for mis-sold policies, has been set for the 29th of August 2019. This essentially means that people who believe that they were mis-sold - have until this date to make a complaint to the company which sold them the policy. If people do not make a claim by this date or if they make a claim after this date, then they will not be able to make a claim for compensation.

A nationwide advertising campaign, highlighting the PPI deadline and informing people of the need to make a PPI claim, if they already haven’t done so - will begin in August 2017 and it will continue until August 2019.

The FCA will spend £42 million pounds on a campaign which will be run and marketed by the famed marketing guru’s Saatchi and Saatchi. The adverts will be on Television, Internet, the print media and radio and will be designed to create awareness for people of the aforementioned FCA deadline and the specific date that people have until to make a claim, if they wish to do so.

Martin Lewis On The Claims Deadline

One person who has raised concerns regarding the announcement by the FCA of a  deadline for August 2019 is the consumer champion Martin Lewis.

Mr Lewis has been lobbying FCA and the UK government to halt implementing the FCA deadline. Lewis says that the UK banks cannot be trusted to deal with this deadline. He said in a radio interview that the government is essentially only interested in improving the balance sheet of the banks.

He added that according to FCA data, 50% of people in the last 12 months who have had a PPI claim rejected by the banks, have then had they claim overturned by the Financial Ombudsman on appeal, which shows that the banks cannot be trusted to deal with such a deadline in a correct manner.

Claim Back PPI

People have been claiming PPI since the banks lost a high court judgement in April 2011. The vast majority of people who were mis-sold premiums have successfully made complaints against the banks. However there are still millions of vulnerable people, who have not yet made a claim. The FCA have been seeking to address these concerns by bringing in new rules.

What is Plevin?

This is the name of a court case because bought by Susan Plevin against the banks. The ruling means that more people could be eligible to make a PPI claim. The Plevin case essentially referred to instances where over 50% of the cost of a policy was paid as commission to the lender or the bank and where the bank did not tell their customers that they were paying this commission. Victims of mis-sold policies will have the legal right from August 2017 to claim the extra and any amount over the commission taken from their agreements back.

Considering that the average commission on a loan was 67%, this means that over two thirds of most policies were used by the banks and lenders to pay commission to themselves. This is one of the reasons that PPI was mis-sold on such a massive scale by UK banks.

List Of Banks, Credit Card Companies, Catalogues and Building Societies that mis-sold PPI


Credit card companies:

Store Cards:

Catalogue companies:

Payment Protection Insurance served as an incredibly easy way of making money for the banks. The lenders and banks usually never told their customers what the commission rate was and the amount of money that they were taking. Most people who have loans and credit cards will most likely have been mis-sold PPI.

Cheap PPI Claims | Low Fee PPI Claims

Payment Protection Insurance in itself wasn't a bad policy or product. PPI had been originally designed to help people to make payments for up to a year, if a person had an accident, was sick or unemployed and they we were unable to make their repayments.

However, the banks saw Payment Protection Insurance as a easy way of making quick money and used various sales methods to convince people to buy this product.

These included, lying to their customers by telling them that PPI was a compulsory policy. Also, they would often add policies onto a loan agreement, without asking the customer beforehand.

There have even been cases where PPI was added onto someone's policy, even if a person had previously told the bank that they did not wish to have a policy.

Other ways in which banks mis-sold PPI were by failing to perform adequate background checks to see whether PPI was a right product for their customers.

An example would be self-employed people being sold unemployment cover.

PPI Medical

In addition, people with pre-existing medical conditions were sold PPI and they were not asked about their medical history before they took on a policy.

PPI was pushed hard by the banks. Their customers were targeted with incentives to take up a Payment Protection Insurance policy.

£20 billion pounds has already been paid out to customers. This figure could rise to £30 billion pounds by the end of August 2019, when the FCA deadline takes effect.

How Our Claims Process Works

Once we have received your request for Payment Protection Insurance compensation via our website, we will mail out to you our easy to complete 3 page PPI pack, where you will need to fill out details of any credit cards, mortgages, loans and any other financial products that you believe you may have been mis-sold PPI on and then send that pack back to us.

Once we receive your PPI pack, our team of ppi specialists will immediately start work on your claim by trying to discover whether you were mis-sold PPI and if there is any proof of this.

Once our team confirms that there is evidence of you being mis-sold PPI, we will send a complaint to the lender who sold you a PPI policy and ask them for compensation
plus interest.

From the moment that we receive your completed ppi pack and throughout the process we will keep you fully informed of all the work that we have performed at every stage and any correspondence that we receive from your lender.

Once the bank or lender confirms that PPI was mis-sold, we will liaise with the bank to get them to pay out compensation. This process can take 8-16 weeks, though all lenders are obligated by FCA rules to send some form of a response within 8 weeks of the lender agreeing that Payment Protection Insurance has been mis-sold.

If the lender upholds your ppi claim, the bank will make an offer to you to settle the complaint and you will receive your compensation within weeks.

If you claim is rejected by the lender or it is held up by them - by virtue of them not sending any kind of a response within a reasonable time frame and if we feel you have a valid Payment Protection Insurance claim - we will refer your case to the Financial Ombudsman Service and Canary Claims will ask the FOS to review your complaint.

We enjoy many years of experience in dealing with the Financial Ombudsman Service and we enjoy a high success rate with cases which are referred to the FOS.

If the FOS rules in your favour, your lender will make you an offer and then send you compensation. Following this your case will be closed.

If the FOS decides to reject your ppi claim, we will review the FOS rejection and we will try to determine if your claim has enough validity and leverage for it to be to sent again to the FOS, so that the rejection may be overturned.

Canary Claims operates on a 100% no win no fee* policy. We will not charge you up front to make a claim with us and at no stage will we ever levy any secret or hidden charges for making a ppi claim with us.

How Many Years Can You Go Back For A PPI Claim?

If your PPI policy was active or ongoing within the previous six years - then you can make a claim. This even stands if for instance,  you took out a policy 20 years ago and only stopping paying for it within the last six years. For any PPI policy which ended over six years ago, you should be still able make a request for compensation.

What Year Was PPI First Mis Sold?

The first rumblings of the selling of Payment Protection Insurance being scandalous occurred in the early 2000's, with the first instance of an individual taking a lender to court over a mis-sold policy happening in Bristol during 1992/93. The banking culture around pushing PPI policies to customers begun in the 1990's.

The Financial Authorities in the UK took notice of these complaints during the mid 2000's and begun slapping fines onto PPI companies engaged in mis-selling in 2006. However, general awareness on the financial misbehavior by the banks and the legal right of the victims of mis-sold PPI to seek compensation, happened in 2011.

What Is The Average Payout On A PPI Claim?

The average amount of compensation likely to be received by a person who had a Payment Protection Insurance mis-sold to them is around £2,750.

PPI Bank Provisions

Since 2001, consumer groups estimate that nearly 34 million PPI policies were sold to the UK general public.

These policies was sold on top of loans, credit cards and other financial products. Since then, nearly £20 billion has been set aside by the UK banks who sold these policies, with some financial experts predicting that the final ppi compensation tally will reach £40 billion by August 2019.

Lloyds Group

Lloyds Bank was the bank which mis-sold mortgage protection insurance policies on a bigger and larger scale than any other lender, Mortgage company or credit card company in the UK.

As of May 2017 Lloyds has set aside billions of pounds to compensate the victims of mis-sold PPI policies. These also include the customers of Black Horse Finance, Halifax Bank and the Bank of Scotland.

It's estimated that around 140,000 people in the UK may be eligible to make a PPI claim against Lloyds. Since 2011 the bank has commenced a campaign to write to all of it's  customers that it believes may have been mis-sold PPI.

By December 2012 Lloyds had spent almost £4.3 billion in compensating people for mis-sold PPI.

Of this figure around £700 million was spent on administration costs. In the final quarter of 2012 the bank announced that it had been spending around £200 million pounds on sending compensation to PPI victims.

Lloyds operates a refund department which is staffed by nearly 6,000 employees whose full time role it is to process complaints that the bank receives.

In February 2013, Lloyds was fined £4.3 million by the FSA for not paying out compensation to its customers and for coming up with us inadequate excuses as to why it had rejected customers' ppi complaints.

The Spanish banking group has set aside £700 million to cover compensation for customers who were mis-sold PPI by the bank.

This provision also covers individuals who were sold PPI policies from Abbey National and the Alliance and Leicester, two financial institutions that Santander bought and took over.

Santander said that it only had 6% of the overall UK PPI market and that it had not sold PPI on a large scale as some other banks had.


HSBC Bank which is also known as the Hong Kong and Shanghai Banking Corporation and has assets over nearly £2.3 trillion and is the 6th largest bank in the world by total amount of assets, also engaged in the mis-selling of PPI of a massive scale.

HSBC has paid out since 2011 almost £3.3 billion pounds in PPI complaints. HSBC sold around 5.4 million policies to customers and it has received two million PPI cases since then.

HSBC has nearly 700 people in the Coventry to deal with the PPI complaints that it receives. It is also involved in a marketing campaign to its customers who HSBC believes may have been mis-sold PPI.

Nationwide, which mainly deals with mortgages has almost £181 million set aside for PPI.

The bank has paid out over £50 million in refunds since then. These figures account for a mere 1.5% of the total PPI provisions as of September 2012.

Nationwide said that of all the of the PPI  cases that it receives nearly half around 42% of individuals who make a claim for compensation with Nationwide when never sold a PPI policy in the first place and a majority of the cases received by Nationwide, which amounts to almost two-thirds - arrive at the bank via claims management companies.

Royal Bank of Scotland
The Royal Bank of Scotland has a total PPI provision of nearly £5 billion or £4.9 billion to be exact. Of this figure £3.7 billion has been set aside for PPI comp and around £400 million has been put away for administrative costs.

Individuals who are eligible to make PPI policy refunds also include customers of NatWest Lombard, Mint, Churchill and Direct Line which are all subsidiary companies of The Royal Bank of Scotland.

RBS has paid out over £1.5 billion in compensation to customers. The bank has around 1,800 staff deal with PPI on a full time basis.

Around half of all complaints sent by customers to the bank are successful. The bank has also been involved in a letter writing campaign to the individuals that believes were sold PPI policies.

Barclays has a PPI provision of a nearly £3 billion. This money which has been set aside to compensate people for mis-selling PPI also includes individuals who purchased PPI policies on Barclaycard.

Barclays has given out around £1.6 billion pounds in PPI compensation to customers. Of this figure around 15% has gone towards covering the cost of administration and processing of these complaints.

The bank said that around 50% of all PPI's that it receives have arrived from claims management companies and the majority of these do you do not have PPI on them and or or invalid cases.

Barclays has around 2,500 staff who work full time on the PPI cases that the bank receives. Barclays has also been involved in a campaign to inform anyone that it believes might have been mis-sold PPI and the bank has also shared methods in helping people to make claim compensation.

PPI Claiming History

PPI reclaiming and the history of the mis-selling of payment protection insurance is a long and tortuous one. PPI policies which were generally sold alongside loans, mortgages and credit card beginning as far back as the early 1980's.

The intention and reason behind PPI was that it was supposed to help a person pay for loan repayments or other borrowings if their income or salary fell below a certain level and also if they were unable to work.

The first ever recorded mis-sold PPI case occurred in 1992 -1993 at Bristol Crown Court.

After 10 years in 2003, the office of Fair Trading and the Citizens Advice Bureau were able to receive a copy of this judgement.

A PPI refund case was lodged by a person who alleged that he had been mis-sold a payment protection insurance policy.

The court made a judgement saying that it found that the policy that person has been paying for was of no benefit to the claimant and that the premium that the person had been paying for came to an amount almost as high as a total benefit that person would have received.

Following the conclusion of this case, Bristol Crown Court placed a 10-year non disclosure clause on the case as a result of the settlement.

In 1998, the consumer magazine Which! released a report in which it stated that it considered payment protection insurance to be a product which offered a very poor value to anyone who took out a policy. 

In 2005, the Citizens Advice Bureau published a report in which it called PPI "a protection racket" designed to defraud people and that it was a very poor product. The Citizens Advice Bureau in 2005 shed light on major issues in the selling of PPI policies to customers.

In 2005, Financial Services Authority issued a detailed report in which it highlighted cases where banks, building societies, mortgage lenders and credit card companies used incorrect and improper sales techniques to sell PPI policies to customers and instances where financial institutions had not followed FSA rules.

Between 2003 and 2011 Financial Services Authority implemented a wide reaching and extensive study into the mis-selling of payment protection insurance policies by banks, building societies, credit card lenders, mortgage companies and other financial institutions.

In 2006 the ppi imposed a £56,000 penalty on the Regency Mortgage Corporation.

The FSA alleged that the Regency Mortgage Corporation and sold PPI policies to people who had right-to-buy mortgages, even though people with these types of mortgages would not have been able to make a PPI claim as they already had a insurance policy.

In 2007, the Office of Fair Trading launched an investigation into the mis-selling of PPI in the UK and it then decided to refer it investigation to the Competition Commission.  John Singleton, who was the head of the office of Fair Trading at the time, told reporters in that he felt in general that people who took out PPI policies were receiving a unfair deal.

In 2008, the FSA imposed another fine on a large financial institution by fining the Liverpool Victoria bank £860,000 for knowingly adding PPI policies to its customers loans, without informing their that the policy would be added onto the contract.

The £850,000 fine to Liverpool Victoria was followed up by a huge fine of over £7 million which was levied at the Alliance and Leicester bank, which the FSA said had trained it's staff to place the utmost pressure upon it's customers to ensure that people took out PPI policies, when they took a mortgage loan or other banking product with the bank.

In 2008, public awareness of the mis-selling of PPI spiked as the consumer magazine Which! released a report which statement that one in three of every person who had a PPI Policy had essentially been mis-sold insurance which was completely worthless.

In 2009, the FSA decided to ban what was regarded by many financial experts as being the worst kind of PPI policy -  a single premium policy which was generally sold to mortgage buyers and then put up ono a person's total and complete loan at the start of a mortgage policy.

Between 2006 and 2011 many banks including Alliance and Leicester and the furniture sales house Land of Leather were fined by the FSA for mis-selling PPI policies.

In the light of the increasing public anger at the mis-selling of PPI policies by UK financial institutions, the government was forced to institute a judicial review into the mis-selling of PPI plus an announcement that in 2010 that all PPI cases would be placed on hold until the judicial review reached a conclusion.

In October 2010 the UK's leading banks and financial Institute led by the British Bankers Association asked the government and the FSA to implement changes to the judicial review, claiming that the new rules for discriminatory towards banks and would hinder the banks of future profits.

The April 2011 High Court Ruling

In 2011, many of the UK's major high street banks who had engaged in the mis-selling of PPI policies were taken to the High Court by consumer groups including Martin Lewis and Which! in an attempt to force the banks to compensate customers who have received PPI policies. The banks lost the case and were forced to compensate people that they had sold PPI policies too.

Following the April 2011 High Court rulingwhich the banks lost - Lloyds Banking Group became the first bank in May 2011 to withdraw its application from the legal challenge and it announced that it would set aside billions of pounds to compensate the victims of mis-sold PPI.

12 months later, in July 2012 mis-sold PPI had become of the most complained about the product in UK banking history.

Since then billions of pounds I've been paid out by the banks to compensate people who have PPI policies.

In 2015 the banks asked the FCA to implement a PPI deadline. And this year, in 2017 FCA announced that a ppi deadline would be implemented for August 2019.
PPI Company data complied from the following sources (last updated 10 April 2017):

  1. Gladstone Brookeswww.gladstonebrookes.co.uk/terms-conditions/
  2. Claim4refunds www.claim4refunds.com/ppi-claims/terms/
  3. The PPI Team - http://theppiteam.com/wp-content/uploads/2013/11/The-PPI-Team-Terms-and-Conditions.pdf
  4. ABC Claims Managementhttp://www.abc-inc.co.uk/new/wp-content/uploads/2015/10/ABC-Terms-Conditions.pdf
  5. Haveigotppi.org.uk - https://www.haveigotppi.org.uk/terms/(details of fee in the footer of the homepage)
  6. The Claims Guyshttp://www.theclaimsguys.co.uk/app/uploads/2017/01/TCG_PPI_TOE.pdf
  7. Haveigotppi.com - haveigotppi.com/taxes-fees/
  8. PPIClaimback - www.ppiclaimback.co.uk/media/311/investor-compensation-terms-of-business.pdf
  9. The Hardwick Group(claims2gain.com) - http://www.claims2gain.com/terms-and-conditions/
  10. Emcas Claimswww.emcasclaims.co.uk/financial-misselling/have-i-been-mis-sold-ppi/1
  11. Consumer Claimswww.consumer-claims.com/Our-Fees.php
  12. Harringtons Advisorywww.harringtonsadvisory.co.uk/terms-and-conditions/