Reclaim PPI premiums letter template 3 - mis-selling denied

Use this PPI claim template letter if the company denies that your PPI policy was mis-sold. See our step-by-step PPI article.

Updated on 22 May 2015.

Checking Finances Concerned

This PPI claims letter template is intended as a guide only.

You will need to amend the details and information included to reflect your individual circumstances before using.

Amend the sentences in pink, and act on those in blue. 

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[Insert your name]

[Insert your address]

[Insert your postcode]

[Insert your telephone number]

[Insert date]

[Insert name of the company that sold you the PPI policy]

[Insert address of the company that sold you the PPI policy]


Dear Sir/Madam,

Ref: [Insert your PPI policy number]

On [insert the date you sent the first letter] I sent you a letter regarding the PPI policy I was sold by you, [enter company name] in conjunction with my application for a [delete as appropriate: loan/credit card/store card/mortgage/credit agreement].  I enclose a copy of the letter for your convenience [attach a copy of your first letter].

I have since received your reply; however I do not feel that you provided me with adequate justification that the policy was sold to me fairly and that it is, in itself, fair and reasonable as requested. 

As such I plan to take my complaint to the Financial Ombudsman if I do not receive a more favourable response from you within the next 14 days.

Yours faithfully

[Insert your signature]

[Insert your full name]


Written by at

Further reading...

Rejected PPI claim: don't give up on what you're owed

If you've had your claim rejected by the company that you felt mis-sold you PPI not all is lost. We explain how to fight back and re-appeal to make a successful PPI claim.

Which credit agreements do you have PPI on?

If you've been mis-sold payment protection insurance (PPI), you could be able to claim your money back. It's easy to miss PPI if it's been added to your policy though, and easy to forget if you were sold it in the first place! Here's how to double check.

How to find out if you had PPI

Our PPI guides and letter templates are helping more and more people get redress. Could you be one of our success stories?

How to reclaim PPI charges

If you think you were mis-sold payment protection insurance when you took out a loan, you could claim back the premiums you've paid. We show you how to successfully reclaim PPI charges.