Call Us Now to Reclaim - 0333 577 1107
No Win, No Fee

Call Us Now

Hear What Our Customer Have to Say

“We had heard all about PPI being mis-sold and a few of our friends had got some money back. We registered on the website then were contacted to confirm a few details. We signed the letters they sent us and a few weeks later we started getting letters and offers from our banks. So far we have had over £16,000 with some still outstanding. We are so happy we registered. Now we are getting our house finished and planning a big holiday for next summer.” -C & S W, from Kirkintilloch
“I didn’t think I would get any money back from a loan I had taken out in 2005 but PPI Claims Scotland did all the work for me and I got back £3700. I couldn’t be more happy as I thought I needed PPI along with my loan and I didn’t.” – Jane McPherson, Dundee

We have successfully helped reclaim over £1,000,000 of PPI on behalf of our customers.

Feature image
Why Use PPI Claims Scotland

We offer a NO WIN NO FEE guarantee and will not charge you a single penny for making a PPI claim on your behalf unless your claim is successful.

Feature image
PPI Success Stories

We have helped 1000's of people reclaim PPI. You don't even need the paperwork to get started. Read about our success stories.

Feature image

How Do I Know If I’ve Taken Out PPI in the Past? How long with it take? We answer the frequently asked questions to make reclaiming easy.

Feature image
Start Your PPI Claim

With the government PPI deadline looming, there is no time to waste.
What Are You Waiting For?
Are you ready to get started?

What is PPI?

Payment Protection Insurance (PPI) was designed to ensure you could keep up your monthly repayments on debts like loans, credit cards or mortgages if you were unable to work due to an accident, sickness or unemployment (redundancy). It's also known as Repayment Protection Insurance (RPI), Accident, Sickness and Unemployment Cover (ASU) and by many other names.

Most people were offered a PPI policy when they took out the money loan, credit card, mortgage, store cards or finance for a car. This practice changed in April 2006 so that most firms could no longer sell you PPI as part of the debt. When you took out a loan or credit you were under no obligation to insure the repayments in the event that you were unable to keep paying. This means that PPI was not compulsory a fact which many advisers and sales agents did not make you aware of.

How does PPI protect my Payments?

The benefits payable from PPI vary between each lender and insurance company but generally they pay your monthly commitments - loan or mortgage - for a defined period, normally up to 12 months.

Store cards and credit cards varied in that they would normally pay a percentage of your outstanding debt when you made the claim each month for up to 12 months. In both cases when your period of cover ran out you would have to continue to make the repayments even although you may not have returned to work.

Many PPI policies also included some life cover element, which in most cases, but not all, repaid the full outstanding balance when you died.

What Should I Have Known Before I Bought PPI?

There were dozens of different PPI policies sold and these varied in many ways including;

  • The cost of the policy
  • If you were already covered in an existing policy
  • The limitations of the policy cover
  • Was there a 'waiting period' before you could actually claim? i.e. off work sick for at least 30 days before you could claim?
  • What exactly did the policy cover? (back pain and stress were not commonly covered)
  • Did it cover any pre-existing illnesses or persistent illness?

There were many different forms of protection available to you, but you were probably not told this at the time and recommended PPI. If this is the case then do not hesitate to start a claim. Enter your details in the box provided and we will contact you shortly.

Our Latest Blogs


You need to contact your bank before midnight 29 August 2019. You can do this by letter, in a branch, on the phone or via their website.
As I cannot take on any new claims you can copy and paste the […]

Read More
Post Image

Helps yourself while helping someone in need

Every day people throughout Scotland go unnecessarily hungry for reasons ranging from redundancy to receiving an unexpected bill on a low income to the breakup of a marriage. A simple box of […]

Read More