What a difference Allay makes

“I’ve booked a once-in-a-lifetime holiday to New York with my mum. Thank you Allay”

Allay made a difference for Sarah, winning her
PPI claim against her credit card lender.

What a difference Allay makes

“Our PPI win meant we could make some much-needed upgrades to our home”

Allay made a difference for Stephen, winning his
PPI claim against his credit card lender.

What a difference Allay makes

“Thanks to my PPI refund, I am going to visit my godson and his family who live In Canada”

Allay made a difference for Sue, winning her PPI
claim against her mortgage lender.

What a difference Allay makes

“I got a refund for one of my PPI claims through just before Christmas, which was a god send!"

Allay made a difference for Ian, winning his PPI
claim against his lender.

How could Allay make a difference for you?

94% of our winning clients didn’t know they had PPI until we did a FREE* check for them!

Fill out our simple form to find out if you’ve had PPI

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Our customers love us!

Find out how much people have won in your area

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Find out how much people have won in your area

The average win in your area is:

Our biggest win in your area is:

Why choose Allay?


We have almost 2 million customers in the UK


Our customers' average PPI win


Of our winning customers didn’t even know they had PPI

14 Days

Can take as little as 14 days from returning your pack to us locating PPI

Claiming with us means we’ll manage your entire claim from start to finish, liaise with your lender and do everything we possibly can to get you the refund you’re entitled to. All you need to do is sign and return your pack and let us do the hard work for you.

Still have questions?

Read the answers to some of our most asked questions below.

What is PPI?

PPI (Payment Protection Insurance) is an insurance product sold when taking out a loan, mortgage, credit card or other financial agreement. PPI covers the policy holder for their monthly repayments should they suffer an illness, lose their job or any other situation which results in the policy holder not being able to earn money to meet their commitments.

How can I tell if I have PPI?

Some borrowers were sold PPI policies without even being told about it; so you may have a payment protection insurance policy you weren’t aware of. If you have a loan, it is worth checking:

  1. The original loan documents and seeing if PPI is mentioned
  2. Whether there are any other unexplained charges included amongst the repayments
  3. Your banking history to see if there has been any other direct debits you were not aware of.
Take note that PPI is known by many names, including loan insurance, debt protection and any number of other variants – just because you don’t see “PPI” listed on any document, this does not mean you haven’t been paying for it. If you are still not certain whether or not you have a PPI policy, get in touch with us today by calling 0191 462 0000 and we will be glad to assist you.

Why are Lenders paying back PPI?

In April 2011, The High Court ruled that all lenders who have mis-sold PPI must compensate clients. Millions of claims have already gone through the banks and billions of pounds have been paid out in redress. Often cases have ended up with the Financial Ombudsman Service, where the majority of claims that were refused by lenders where actually found in favour of the consumers and they received compensation.

Do I have a valid PPI claim?

If you have taken out a loan a mortgage or a credit card, you may have been mis-sold PPI. Below is a list of reasons as to why it may have been mis-sold; if you agree with any one of them you may be eligible to make a claim.

  1. You were not aware you had been sold PPI
  2. You had previous medical conditions when you bought the PPI policy
  3. You already had cover with another insurance provider
  4. The Lender did not investigate your financial situation to ensure the PPI policy was the right policy for you
  5. You were advised to take out the policy to obtain the loan/credit card agreement
  6. The sales person was pushy and you felt you had to take out the PPI policy
  7. Depending on your employment status you may not have needed PPI. For example, if you were self-employed, the PPI policy would not apply to you