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PPI complaints

The deadline for Payment Protection Insurance (PPI) complaints is 29 August 2019

If you have previously received a letter from us about a potential mis-sale of your PPI policy, or your complaint is against Santander Cards (UK) Limited and relates to an account opened prior to 14 January 2005, an earlier deadline could apply.
Payment Protection Insurance (PPI)
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.

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.
Providers Santander is responsible for
Santander is responsible for investigating regarding PPI claims for the following providers.

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







Santander is also responsible for investigating PPI for the following store cards.

  • ASDA
    Boundary Mills
    Budget Tyres
    Country Casuals
    Currys/ Dixons
    Currys/ Dixons
    Dorothy Perkins

    Ernest Jones
    First National Tricity Finance

    High and Mighty
    H Samuel
    Harvey Nichols
    House of Fraser
    Kwikfit Finance
    Laura Ashley
    Leslie Davis
    Lombard Tricity Finance
    Miss Selfridge

    New Look
    Outfit Card
    Owen Owen
    Power House
    Racing Green

    River Island
    Russell & Bromley
    Time Retail Finance
    Top Man
    Top Shop
    Toys “R” Us
    Value Direct
    Wade Smith


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

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 pages

Enquiring about Payment Protection Insurance (PPI) or making a complaint

The quickest way to get your query or complaint to us is to fill out one of our online forms. You can contact us directly and don't need to use a claims management company.

Learn about how we’ll use your personal data


Unsure if you currently have PPI with Santander or if you've had it in the past?
You can fill out our online PPI query form to find out if you currently have PPI with Santander or if you've had it in the past.
PPI query


PPI complaint
You can fill out our online PPI complaint form if you believe you had a PPI policy and want to complain. 

PPI complaint


PPI commission complaint
You could now receive some money back if we took a high level of commission on your PPI policy but did not tell you this when you bought it, even if you’ve already complained to Santander about a PPI policy and your complaint was declined. Please fill out this form if you'd like to make a complaint about the level of commission that Santander received for selling the PPI policy.

PPI commission complaint 

In branch
Download and print the PPI Questionnaire PDF and take your completed documents in to your local branch

Learn about how we’ll use your personal data

By post
Download and print the PPI Questionnaire PDF and post it to us:

Learn about how we’ll use your personal data

For all store cards
9 Nelson Street
For all Santander products
9 Nelson Street

To enquire whether you have had PPI on any Santander accounts that you currently hold or have previously held, write to us at:
SARs Team
PO Box 1111
Contact Us

 By phone
Call us on 0800 171 2171 or +44 1908 375 039 if you’re calling from outside the UK.

Lines are open 8am-8pm Monday to Friday and 8am-4pm Saturday except Bank Holidays.
This number is the same as the PPI Helpline.
View call charges

What happens next?

  • We promise to do everything we can to resolve your complaint or query as soon as we receive it.
  • For more complex issues we may need more time to investigate your concerns. If this is the case, we'll send you an acknowledgement letter outlining 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 of 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.

Other useful links

Other useful links

Santander UK plc. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. Registered Number 2294747. Registered in England and Wales. Telephone 0800 389 7000. Calls may be recorded or monitored. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 106054. You can check this on the Financial Services Register by visiting the FCA’s website Santander and the flame logo are registered trademarks.