Are you owed money by your bank?

Return your FREE PPI CHECK PACK in the Freepost envelope and we will investigate any of your loans, credit cards, overdraft, store cards or mortgage to see whether PPI was included.
We can even look for PPI that may have been missed previously or, in some instances, claims that were rejected by the lender.
We'll call you once we have the results and then you can decide whether you want to take any action.

What's in my free ppi check pack?

Terms and Conditions

Please read the Free PPI Check Terms of Service on the reverse of your letter.

These Terms of Service only apply to the Free PPI Check.

Should you choose to use us for a PPI claim, we will send out our full Terms & Conditions along with any other necessary paperwork at a later stage after we have carried out the Free PPI Check. You are under no obligation to instruct us to pursue a PPI claim on your behalf after we have carried out the Free PPI Check.

Free PPI Check Terms Of Service

We offer the Free PPI Check in order to establish whether there was PPI on any of your finances before you decide whether you wish to make a claim. The service is completely free and you are under no obligation to pursue a claim for PPI after this check has been carried out. We will contact your lender(s) to check whether you had PPI on any of your finance.

Once the Free PPI Check is complete, we will contact you with the results. You can then decide how to progress. If you do not feel that the PPI was mis-sold or decide that you do not wish to pursue a claim, we will simply stop all action and close your file in accordance with our Privacy Policy.

If you wish to pursue a claim for mis-sold PPI you can choose to use FRS to do this or you can pursue this yourself without using a CMC and without cost. You will first need to complain directly to the financial institution and if this is unsuccessful, you can complain through the Financial Ombudsman Service or the FSCS, where applicable.

If you choose to engage FRS’s services to make a claim this is a separate service to the Free PPI Check service and we will send you our full Terms and Conditions for you to read over, sign and return. A service charge will be applicable if you choose to instruct us to make a claim on your behalf.

Finally, we reserve the right to choose not to process a Free PPI Check. If we do not process the check, we will write to you to confirm this and provide you with information as to how you may look to find out if you have taken out PPI yourself.

Our Complaints Procedure

We pride ourselves in continually acting in the best interests of our clients. We do, however, understand that there are instances when a client may feel that they have cause to complain. If you have a complaint, we need to know about it and we would ask that you inform us as soon as possible so that the issue can be addressed. This can be done via fax, email, telephone, in writing or in person. The address for such communications should be:

The Complaints Officer, Financial Recovery Solutions Ltd, 57 St Petersgate, Stockport, Cheshire, SK1 1DH
By email:
By fax: 0161 850 2240
By telephone: 0800 612 7922
Or in person by visiting our premises (address detailed above).

We will send you a written acknowledgement within 3 business days and send you a copy of our complaints process. If we haven’t resolved your complaint within 8 weeks of receipt or you are not satisfied with our response you can refer it to the Financial Ombudsman Service, whose contact details are:

Financial Ombudsman Service, Exchange Tower, Harbour Exchange, London, E14 9SR
Tel: 0800 023 4567. Website:

Privacy Policy

Financial Recovery Solutions Limited, company number 6621703 is the controller and responsible for your personal data. We are registered in accordance with the Data Protection Act with registration number Z1484565.

We have assessed the six legal grounds available to us under GDPR for processing personal data, and we have come to the conclusion that 'legitimate interests' is the most appropriate in terms of how we communicate with you about our products and services, which include claims management, debt help and advice, legal services and financial advice which could be done by post or telephone.

A more detailed explanation regarding legitimate interest, and our other decisions regarding how we process personal data under GDPR, is given in our privacy policy which you can request at any time or view at

You do have the right to opt-out from receiving our correspondence, or that of other companies within Life Plus Group Limited, at any time by writing to us at:

Financial Recovery Solutions Limited, Plus House, 57 St Petersgate, Stockport, SK1 1DH.

Alternatively, you can email us at:

Or telephone our offices on: 0161 850 0680.

If you wish you can also visit our offices at the above detailed address.

Calls are recorded for training, security and monitoring purposes. If you have any questions, or you would like to exercise any of your privacy rights under GDPR, please contact us via our contact details given above.

Free Check Application

Complete the Free PPI Check Application

Contact Details:

It is essential you provide us with contact details so we can let you know the results of the Free PPI Check. Please supply your preferred phone number and circle the best time to call so that we can speak to you when it is convenient for you. It would also help if you are able to supply a second number.

NB If no number is supplied we cannot run the check.


Tell us which lenders you have used in the past so that we can run a check with them all to see if you paid PPI on any of your finance. If you tick more than one, we will send you some more paperwork for the additional ones that need checking.

Form of Authority and Engagement

Complete and sign the Free PPI Check Form of Authority – this instructs us to check your accounts for PPI on your behalf and authorises the financial institutions to provide us with this information.

This form comes with some information already completed, please check this information to make sure it is correct and initial any amendments.

The top of the form is for your personal details (and the joint account holder if there is one, if not then the Secondary Applicant section should be left blank). You may need to add an address if your previous address was the one registered with the lender and it has not already been entered.

Please make sure you add a middle name if you have one and your date of birth.

Lender name: Just list one lender here - the one you most believe you have PPI with or the bank you held the most accounts with. If you ticked other lenders on the Application, we will send you more forms, one for each.

Sign & Date: The bottom of the form is to sign to show that you agree. Both parties should sign here, if this is a joint account. It is important that you also add the date.

  • You just need to read and sign the forms you receive from us in the post to get started.

  • We will then speak to your lenders about your accounts and get back to you with the results of the Free PPI Check.

  • If you have PPI on your finance and you wish to proceed with a claim, we will then discuss this with you.

Five stars!

Mr Watson rated our service 5 stars

See what our other customers say!

Return the paperwork in the prepaid envelope so we can start your Free PPI Check.

Not sure about anything?

We pride ourselves on our exceptional customer service and we are here to help, so if you need a hand just call our advisors on 0800 612 7922.

Don't forget

If you have moved house since you took out the agreement please supply your old address.

If it’s a joint account, it’s important that both partners sign all the documentation.

Did you know?

Our average client receives £2,629 after taxes and fees on successful claims.

Our highest amount received from a single claim is £35,523 after taxes and fees.

Our fastest claim took only 23 days from receipt of signed paperwork.

Don’t delay

Return the paperwork so we can start your FREE check.

Remember, there in no commitment to proceed with a claim and the Free PPI Check will not affect your relationship with the lender.