Payment Protection Insurance (PPI)

Payment Protection Insurance (PPI) was a type of insurance policy offered when taking out a loan, a credit/store card or some other types of financial agreement. The purpose of PPI was to cover repayments in the event of an accident, sickness or possibly being made unemployed.

Supporting your needs
We want to make sure everyone can access the products and services we offer so we can provide adapted materials and branch access, among other things. If you think you may need support in any way, please take a look at our dedicated page

If you are unsure whether you had a PPI policy with us, you can contact us to check. If your check comes back positive and you wish to make a complaint about its sale, you can then move to complain. You must allow 8 weeks (40 business days) for your PPI check to be completed before making a complaint ahead of the deadline. 

You can check if you've ever had PPI with us and whether you can claim back for the premium or commission paid by using one of the methods below.

So we can consider your PPI complaint you may be asked for sensitive data such as health data and / or financial information. We’ll use this as part of our investigation and it will be kept on our system in line with data protection legislation. If you don’t want to provide this information, or allow us to use this to review your complaint, then the outcome of our investigation may be affected. For example we may make assumptions when reviewing your complaint or make a decision without this information.
You can learn about how we’ll use your personal data here.

Providers Santander are responsible for investigating

To make sure the correct provider will investigate your PPI complaint, here are the providers Santander is responsible for investigating regarding PPI claims.

  • Abbey
  • Abbey National
  • Alliance and Leicester
  • cahoot
  • Cater Allen
  • First National Motor Finance
  • First National Wagon Finance
  • HBOS (Unsecured Personal Loans)
  • JP Morgan Classic Deferred Debit
  • National & Provincial
  • Santander
  • Santander Credit Cards

ASDA

B&Q

Bentalls

BHS

Boundary Mills

Budget Tyres

Burton

Care+

Comet

Country Casuals

Currys/Dixons

Debenhams

Dickens

Dorothy Perkins

Edge

Ernest Jones

ETAM

Evans

First National
Trust Finance

Flemings

GE

Goldsmiths

High and Mighty

H Samuel

Halfords

Harrods

Harvey Nichols

Hawkshead

House of Fraser

IONICS

Kwikfit Finance

Laura Ashley

Leslie Davis

Lombard Tricity
Finance

Matalan

Miss Selfridge

Monsoon

Mothercare

New Look

Outfit Card

Owen Owen

PayPal

Power House

Principles

QVC

Racing Green

Reids

River Island

Russell &
Bromley

Ryanair

Signet

Time Retail
Finance

Top Man

Top Shop

Toys "R" Us

Uptons

Value Direct

Wade Smith

Wallis

For PPI claims relating to Santander Consumer Finance, take a look at our information pages

Online

Check to see if you've ever had PPI with Santander with our PPI enquiry form.
Start a PPI enquiry

If you've had a PPI policy you can submit your complaint with our PPI complaint form.
Send a PPI complaint

You can also submit a complaint about the level of commission on a PPI policy (even if you've already sent a complaint about the policy and this was declined).
Send a PPI commission complaint 

Call us or Phone us 

Call us on 0800 171 2171 or +44 1908 375 039 if you’re calling from outside the UK. Lines are open 8am to 8pm Monday to Friday and 8am to 4pm Saturday except bank holidays. View call charges

Printing the PPI questionnaire

If you don't want to use the online tools, download and complete the PPI questionnaire and take into any Santander branch or send by post. You can find your nearest branch with our branch locator
Download PPI questionnaire

Send your completed form to:
For Santander products
PPI S1
Santander
9 Nelson Street
Bradford
BD1 5AN

For store cards (see below for a list of eligible cards):
PPI C1
Santander
9 Nelson Street
Bradford

Submit a query
To find out whether you have had PPI on any Santander accounts that you currently hold or have previously held, write to us at:
Santander
SARs Team
PO Box 1111
Bradford
BD1 9NQ

We promise to do everything we can to resolve your complaint or query as soon as we receive it.

For complex issues, we may need more time to investigate. If this happens, we'll send you an acknowledgement by post letting you know the next steps and when you can expect to hear from us. We’ll also give you a reference number to use, should you need to contact us.

We'll keep you updated on the progress throughout our investigation. We may also need to contact you for more information, and where possible, we’ll use your preferred method of contact. Remember, calls from us may appear as unknown or withheld numbers. We will then issue you with a final response which will outline the details of our investigation, how we reached our decision and what we are going to do to put things right.

You don't need to pay a company to reclaim PPI for you. We manage PPI complaints or claims in the same way as an external claims management company and within the same timeframe. We don't charge any fees and making a complaint or claim directly doesn't affect your relationship with us.

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