Many banks and lenders, if not all of them, were guilty of heavily implying or flat out telling people that in order to be approved for a loan, mortgage or financial product, the customer would have to take out a PPI policy.

Many of the salesmen didn’t tell their customer that PPI was optional and had a cooling off period, even if they did decide against it. If you were pushed or made to believe that the application could not continue without buying a policy, that is a PPI claim.

If customers bought a PPI policy after January 14^th 2005 and were told it was ‘strongly recommended’ or had the policy sold to them using similar language then that counts as something called an ‘advised sale’. Unless a ‘demands & needs statement’ was issued outlining all of the reasons that the policy was recommended as suitable there is grounds for a complaint against the bank or lender in question.