Key facts (2026): The FCA deadline for PPI complaints was 29 August 2019. Claims submitted before this date are still being processed. New PPI complaints to lenders are no longer accepted. However, complaints about related issues — undisclosed commissions (the Plevin ruling), ongoing PPI policies, or data access requests — may still have routes to resolution.
Payment Protection Insurance (PPI) was mis-sold to millions of UK customers alongside loans, credit cards, and mortgages. The FCA complaint deadline has passed for most claims, but understanding what residual options exist — and ensuring you are not still paying for an unwanted policy — remains relevant for some consumers.
The PPI Deadline and What It Means
The Financial Conduct Authority set 29 August 2019 as the deadline for new PPI complaints. After this date, lenders are not required to investigate new PPI mis-selling complaints. If you submitted a complaint before August 2019, it should have been processed — if you have not heard back, contact the lender directly or the Financial Ombudsman Service. The FOS is still processing cases that were submitted before the deadline.
The Plevin Ruling — Undisclosed Commissions
A separate but related issue is the Plevin ruling (Supreme Court, 2014) which established that undisclosed high commissions on PPI policies made them unfair. Some PPI complaints based on Plevin rather than mis-selling may have different timelines — seek specialist legal advice if you believe your complaint falls under Plevin and was not addressed by the standard PPI process.
Are You Still Paying for PPI?
Check your bank statements, credit card statements, and loan documents for any recurring payment labelled PPI, payment protection, loan protection, or similar. If you find an active policy you do not want, contact the provider to cancel it and claim a refund of premiums paid since you did not want or need the cover. Active policies can be cancelled and refunded regardless of the 2019 deadline.
Our Verdict
For most people, the PPI window closed in August 2019. If you submitted a claim before then, follow up if it has not been resolved. If you find you are still paying for an unwanted PPI policy, cancel it immediately and claim back recent premiums. Be very wary of claims management companies who advertise PPI services — most are chasing fees for claims that have already been settled or are no longer viable.
Frequently Asked Questions
Can I still claim PPI after the 2019 deadline?
New mis-selling complaints to lenders are not accepted after August 2019. If you submitted before the deadline, your claim should still be processed. Some Plevin-related claims may have different routes — seek specialist advice.
How do I check if I have PPI?
Check bank and credit card statements for payments labelled PPI, payment protection, or loan protection. Your lender can also tell you if a PPI policy was attached to any product.
Can I get a refund if I am still paying PPI?
Yes — if you have an active PPI policy you did not want, you can cancel it and claim back recent premiums regardless of the 2019 complaints deadline.
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Disclaimer: For informational purposes only. Always verify with official sources such as gov.uk or qualified professionals before making decisions.
Last updated: April 2026 · Author: Chandraketu Tripathi
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