PPI Claim Form

The PPI Claim Form Demystified

PPI Claim Form

The first step to successfully claiming back your money from mis-sold PPI is to fill in the PPI claim form. A completed PPI claim form allows your bank to know which policy you wish to claim against and to carry out an assessment of your claim.

The claim form is quite a long document — 11 pages in total — so you should set aside between thirty minutes and an hour of quiet time in order to complete it in one sitting. Of course, in order to complete it in that time, you will need all of your paperwork and relevant information close to hand.

Perhaps you’ve already begun the process of completing your PPI claim form and, like many people wishing to claim PPI, have got stuck at this first hurdle. Many people get stuck because they either no longer have their paperwork or don’t know their account numbers. Others get stuck because they simply find form filling tedious or daunting.

This article will help you get your PPI claim form completed by addressing these somewhat common stumbling blocks.

Completing The PPI Claim Form Without Account Numbers

There are two questions on the PPI claim form that require account numbers to be entered. They are questions A4 and C1.

Question A4 requires the account number for the payment protection insurance itself, as shown in the image below:

PPI Claim Form - question A4

Question C1 requires the account number for the finance the PPI was designed to cover, shown in the next image below:

PPI Claim Form - question C1

So what do you do if you no longer have that information? Thankfully there are a couple of ways around it. One way is easier than the other but is only an option if you have decided to have your claim handled for you.

If you wish to reclaim PPI by yourself, you can still get access to all the information you need, but it will take a bit more time and effort on your part.

We’ll look at both options below, starting with claiming PPI by yourself.

Locating Account Numbers by Yourself

To get the all important account numbers to enter onto your PPI claim form, you will need to run a credit check on yourself. There are many services available for you to do this. We recommend either Credit Expert by Experian or Noddle.

Credit Expert has a free trial period, after which it is a paid service. You can cancel before your trial ends, which means you won’t pay anything. Noddle is free all the time.

Here are the steps to locating the information you need for your PPI claim form:

  1. Sign up for an account with either Credit Expert or Noddle.
  2. Run a credit check on yourself by following the steps indicated by the service provider.
  3. Go through your report to look for all finance agreements that had PPI attached. Keep in mind that PPI often went by other names, so be vigilant for names such as Accident and Sickness Cover (ASU) and similar types of names.
  4. Make a note of the finances that had PPI attached along with the bank or lender that provided the insurance.
  5. Contact the PPI provider and request copies of your paperwork.
  6. Go through your paperwork to locate the account number and any other information you need to complete your PPI claim Form.

Once you’ve run the credit check and located your account numbers, you’re ready to complete your PPI claim form and submit your claim to your lender.

Locating Account Numbers The Simpler Way

The above process can be time consuming and, for some people, quite stressful. The simpler way of getting important information for completing your PPI claim form, such as lost account numbers, is to allow us to handle your claim on your behalf.

Why is it simpler this way? Because we have negotiated special agreements with many of the main banks and lenders that allow us to submit PPI claims and get them started without account numbers or paperwork.

When we handle PPI claims for our clients, we also complete the vast majority of the PPI claim form for them too. All the client generally needs to do is to sign the form, which acknowledges all the information is correct and also that they have handed their claims over to us.

In terms of getting claims started without account numbers, however, we are able to do this because of the special agreements we have in place.

Broadly speaking, there are two types of agreements we have, depending on which bank we are claiming against:

  1. The first type of agreement means you only need to provide your full name and the address you were living at when you took the insurance out.
  2. The second type of agreement means you need to provide the same as the above, along with one account number with that lender. But it doesn’t need to be the PPI account number (that would defeat the whole point of the exercise!)

The account number needed can be any account number from any account. For example, if you do your everyday banking with the bank in question, your current account number will allow them to access your entire financial history with them and find any PPI you may have ever had.

In many instances, many of these banks will also be able to run a check with all of their sister companies at the same time as they check their own records. This also varies from bank to bank, but many (although not all) will do this.

Having these agreements in place is now saving vast amounts of time and has really helped to speed up the entire PPI claims process. Not to mention making the tedious job of completing the PPI claim form less stressful.

Which Banks Do We Have These Agreements With?

Unfortunately we can’t put that in this article. Part of the agreement with the banks was that the information wouldn’t be published. In order to find out if your bank is one of the many that we have one of these agreements with, get in touch and we will let you know.

You won’t be obligated to pursue your claim any further if you choose not to. You can find out if your bank is on the list or not and then continue with your claim in the way that is best for you.

“The PPI Claim Form Is Too Tedious”

We hear this, or something along these lines, quite often. There’s no doubt about it, filling in forms can be rather tedious. Our best advice to you if you have struggled with completing your PPI claim form is to:

Gather all the necessary paperwork before you start. If you don’t have it, you will need to follow the steps outlined above. Having everything to hand befre you begin is more than half the battle already won.
Then set aside some quiet time to fill out the entire form. Easier said than done, we know, especially if you have a family! But it really is the quickest, most efficient and least stressful way of completing the PPI claim form by yourself.

The other option if you are busy and/or have an aversion to forms and paperwork is to allow us to handle your PPI claims for you. Like any valuable service, there is a fee involved. For that fee, however, you get a dedicated, professional team with a great deal of experience in successfully winning thousands of PPI claims.

If you’re interested in the possibility of doing that but are still undecided what’s best for you, get in touch. Please feel free to contact us — either by phone or through the short form — and we’ll be happy to chat with you.

You won’t be obligated to pursue things further if you decide not to.


Completing the PPI claim form can be tedious and, for some people, a stressful process. This is especially true if you no longer have your paperwork and/or account numbers. If you don’t have your account numbers and wish to claim by yourself, you will need to run a credit check to get access to all the necessary information. The steps to do that are outlined above (Locating Account Numbers by Yourself).

A much simpler way of claiming PPI and getting your PPI claim form completed in full is to have us handle your claim for you. Through special agreements we have negotiated with many of the main banks and lenders, we can get claims started without account numbers or paperwork.

If you have any questions about how this works, whether we have an agreement in place with your bank or if you need further help with your PPI claim form, please get in touch. We’ll be happy to help you out with no obligation to take things further if you decide not to. You can call for free on 0800 840 7292 or simply fill in the short form and we will call you straight back.


MARCH 23RD 2020

At this time we are continuing business as usual however our team will now largely be working from home. This limits our phone contact availability. Customer support remains available Monday to Friday but please email in to info@oraclelegal.com with your query. We aim to get back to you within 48 hours. On receipt of PPI refunds our fees remain payable and can be paid via our website www.oraclelegal.co.uk/payments/ or via BACS. We are also working on some other areas of potential claim for you in connection with your PPI and will be in touch shortly where applicable to present this to you.

IMPORTANT:The last day we can accept a new claim is Friday 23rd August – midday – to ensure the paperwork is properly processed and lodged with your lender before the cut-off time.