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Mis Sold Payment Protection How Far Back

 Since news of the payment protection mis-selling scandal broke thousands of people have made made claims and received payment protection refunds. The publicity surrounding the issue has encouraged many people to look back over their loan documents to find out whether they have this cover and whether it was mis-sold to them. Many people have discovered older loans where policies were added without their knowledge and are keen to know: mis sold payment protection how far back can I claim?

Mis sold payment protection how far back can I claim?

UK law requires that businesses retain customer documents for at least six years. Unfortunately, this means that many older sales are 'time-barred' in times of payment protection insurance claims as lenders do not have the paperwork to carry out an investigation. The exception here is where a loan was still active within the last six years (even if it was taken out much earlier), in these cases your lender should have retained the paperwork pertaining to your loan and should be able to conduct an investigation.

Mis sold Payment protection how far back? Is it the same for all types of PPI?

Regardless of the type of payment protection insurance cover you have - whether it is attached to a loan, mortgage or credit card the same rules apply. In all cases it may not be possible to make a full recovery of all premiums paid, but your lender should, at the very least, where mis-selling is proven, refund payments made with the last six years.


 To learn more about the mis-sale of payment protection or the processes of claiming back payments call  0207 471 2000 and a claims handler will be available to answer any questions you may have.

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