What is PPI?

PPI (Payment Protection Insurance) was sold by banks and building societies and brokers together with loans, mortgages, credit cards and finance as a form of cover in case you were unable to repay the lender through accident, sickness or unemployment

The lenders selling the PPI were ignoring the guidelines set out by the watchdog at the time (FSA) and the needs of their customers. Thousands of people found themselves paying for PPI which they didn’t need, want or even know they had.

So far over £21 billion has been paid in compensation and the financial sector has set aside billions more that is still to be reclaimed. This makes it easily the costliest financial mis-selling scandal of all time!

Some of the lenders we can reclaim PPI from:


Why choose us?

All mis-sold PPI claims are handled by a team who have the experience and knowledge to ensure that a strong and substantiated claim is submitted to the financial institution which sold the PPI.

We operate on a  'no win no fee' basis*. This means that if we don't win your case, you don't pay a penny. There are also no upfront fees or hidden costs.

See what our customers say about us

* Unless the claim is withdrawn at the client's request or cancelled by the company due to a material breach of the terms, after the initial 14 day cancellation period.

We may be able to help you reclaim your PPI if any of the following were true at the time the PPI was sold to you:

  • You were under 18 or over 65
  • You worked less than 16 hours per week
  • You were told you had to take the PPI
  • You were self-employed or unemployed
  • You had a pre-existing medical condition
  • You were employed on a temporary basis
  • You had alternative cover in place
  • The full cost of the PPI was not explained to you
  • The policy exclusions were not explained to you

If you think this
could be you...

Complete the form or call us today and our advisors will look into your claim.


0800 612 7922

Call free or submit the form below and we'll call you!


Here's what our customers have to say...

  • 9th June 2012

    "Great service, would use again and recommend to anyone. Received more than I thought. Would not have got this amount if it wasn’t for the work FRS did on my behalf. Thank you."

    Mr. S Johnson - Halifax



  • 11th April, 2014

    "I never would have dreamed that the bank I had been dealing with would have 'pulled a fast one'."

    Mr D Davies - Barclays



  • 27th May, 2014

    "You have dealt with a lot of claims for me which has been very helpful in improving the standard of living that I have."

    Mrs B Mould - Lloyds Bank



  • 2nd February 2013

    "Very grateful for what you have achieved for me, I would never have done this myself. Thank you very much."

    Mrs. S Walsh



  • 27th August 2014

    "I wasn’t going to bother, but I’m glad I did. Everything was sorted very quickly, excellent communication. Very pleased."

    Mrs. M Berrecloth



  • 19th November 2014

    "For all the staff at at FRS a big thank you for everyone’s help in supporting me through my claims. I found it relaxing and not stressful, it’s greatly appreciated. A big thank you to you all."

    Mrs. P Goddard - MBNA



  • 20th July 2014

    "The service we received from FRS was first class. The staff are very friendly and extremely efficient."

    Mr & Mrs Lavin - Halifax



  • 7th March 2015

    "I found FRS to be very good they kept me informed at all times. They treated you very well and when I phoned them the service and information were easy to understand. I would rate this company at 10 out of 10"

    Mr. J H Robinson - Barclays



  • 7th July 2014

    "I'd never wanted the hassle of dealing with the banks but FRS took all the pain away!"

    Miss M Hayward - Lloyds



  • 20th July 2015

    "From the start to the end of the process, the whole experience of dealing with FRS was first class. I would recommend them 100%"

    Mr. A Owen - Lloyds



  • 28th October 2015

    "Was such a large amount and what a great service. Never did I think I would get back so much money. And it was so easy. Thank you all at FRS. A very big thank you."

    Mr. M Grundill



  • 4th February 2015

    "You have handled the case very professionally with superb correspondence and an excellent outcome, what more can I say, very pleased. Thanks."

    Mr. & Mrs. King



All figures above show amount calculated after deduction of taxes and fees