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Abbey National PPI

The Abbey National logo may have disappeared from UK high streets, but many people still have or have had Payment Protection policies sold by the lender that they didn't want or need. If you are a former customer of Abbey you may be curious as to whether you can make an Abbey National PPI claim and how to go about it.

In 2004 Abbey National was bought by Santander for an estimated £8 billion. The Spanish lender initially opted to keep the Abbey name, but eventually made the decision to abandon it. As a consequence, in 2010 Abbey National branches across the UK were rebranded with the Santander name and logo.

If you have purchased Abbey National PPI that you believe were mis-sold you may be confused as how to approach making a claim. The good news is that when Santander took over Abbey National it also took over responsibility for its payment protection sales. This means if you have taken out an Abbey Nation PPI policy and believe it was mis-sold you can still make a claim.

In order to ascertain whether your policy was, in fact, mis-sold you should think about the information you were given when you were sold the cover. Were all the terms and conditions clearly explained? Were you told how much the policy would cost and how this would affect your monthly repayments? Were you also told your PPI policy would count as additional borrowing and would incur interest? When you purchased your Abbey National PPI policy you should have been made aware of all this information so that you could make an informed decision. If your lender failed to clearly explain the details of the cover or only provided a partial explanation you may be entitled to make a claim for mis-selling.

You may also have been mis-sold your Abbey National PPI policy if you were given incorrect or misleading information. This could include being told the cover was compulsory or that it would improve your chances of being given the loan.

Another common form of mis-selling was policies that were sold to people who either had limited use for them or were ineligible to be covered. This could include customers who already had cover in place, were in stable employment or were entitled to full sick pay from their employer who would obviously have very limited use for PPI. Most loan insurance policies do not offer cover to customers over the age of 65 or people who are self-employed. Because of a lack of product awareness, training or simple human error some policies were sold to customers who were ineligible to use the cover.

If you believe you have been mis-sold a payment protection insurance policy on a loan, mortgage or credit card you could start your claim by calling us today on 0207 471 2000. We work on a No Win No Fee* basis meaning you do not pay a fee unless we are successful in winning your claim.


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Belmont Thornton Limited is regulated by the Claims Management Regulator in respect of regulated claims management activities; our registration is recorded on the website www.gov.uk/moj/cmr number 18273

Belmont Thornton Limited is incorporated in England and Wales, Company number 6621233, whose head office at Unit 16, Elysium Gate, 126 New Kings Road, London, SW6 4LZ and registered office at Harwood House, 43 Harwood Road, London, SW6 4QP.

Belmont Thornton Limited is registered with the Information Commissioners Office. Registration number Z1728023.

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* Belmont Thornton operates on a "No Win No Fee" basis. This means that there are no upfront costs to pay. Our fee only becomes payable on a successful outcome of a claim. A cancellation fee is payable if you decide that having instructed Belmont Thornton to act on your behalf, and after 14 days of signing your Letter of Authority, you do not wish to continue pursuing your claim with us. The cancellation fee is the reasonable costs incurred for the work undertaken. Please see our terms of engagement.

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