Date Revised:

As a carer, if you’ve ever taken out a loan, mortgage, credit card, store card, or bought something on credit, such as a car, you may have been sold Payment Protection Insurance (PPI). If you think you have or have had PPI, you need to decide whether or not you want to complain.

There is a new deadline of 29 August 2019 to complain about the sale of a PPI policy. You will not be able to complain after this date.

Carers are often seen as one of the most vulnerable groups in society and this is one area which may have affected them.

You can complain about PPI on behalf of someone else (such as a relative who cannot make their own complaint), as long as that person has authorised you to do so.

The online PPI complaint forms on the websites of many providers include a section for making a complaint on behalf of someone else. You should be prepared to provide evidence that you are authorised to complain on behalf of someone else.

Be aware that claims companies often contact people by text messages or phone calls, and offer to help make a complaint about PPI. They may also advertise to tell you what they can offer and may charge an upfront cost but most charge a fee that can be up to 30% of any amount you are refunded for your PPI.

If you decide to use a claims company you should read the terms and conditions carefully and make sure you understand what it will cost you. You should also check if a claims company is authorised on the Ministry of Justice’s Authorised Business Register.

For more information about PPI visit fca.org.uk/ppi or call 0800 101 800.