How To Claim PPI Without Paperwork

Claim PPI Without Paperwork

One of the biggest challenges many people have faced when trying to claim back their money from mis-sold PPI is not having the necessary paperwork or having forgotten their account numbers.

Up until recently, if you couldn’t remember your account numbers, the process of getting your money back was quite a bit more difficult than if you did have your account numbers. For some PPI claim companies, however, that has all changed. It is now considerably simpler to claim PPI without paperwork and to claim PPI without account numbers than it used to be.

What You Will Need

There are essentially two ways to claim PPI without paperwork or account numbers. The first option is probably the simplest and only requires your full name and previous address history. That information combined with the name of the bank that you believe you have, or had, PPI with will get things started.

Once you’ve indicated which bank you believe you had PPI with, they will take your full name and previous address history and run it through their entire database. This will bring up every type of loan, credit card, mortgage or any other type of credit agreement you may have ever had with them. It will also show which of those agreements had (or still have) PPI attached.

It gets better.

It addition to searching their own database for your full credit history with them, many of these companies (but not all) will also search through the databases of every other sister company that falls under the same umbrella.

Who Is Eligible?

Anyone that believes they have PPI and further believes it was mis-sold is eligible to use this service. There is, however, a slight catch, though.

It is through negotiations and due to having a history of submitting many claims to these banks over the past several years that we have managed to secure this special agreement. Anyone wishing to claim PPI on their own rather than through a PPI claims company will still need to provide the account number for every policy they wish to claim on. This agreement where we can claim PPI without account numbers is not available to individuals claiming PPI by themselves.

Which PPI Companies Offer This Service?

Some do, but many don’t. Other than ourselves, we don’t know which other PPI claim companies are able to offer you this service. We do know that starting a PPI claim without account numbers is not something that every PPI company is able to offer.

Can You Claim PPI Without Paperwork by Yourself?

Yes you can, but you won’t be able to submit just your name and previous address history to locate your account numbers as described above.

In order to claim PPI without paperwork or account numbers by yourself, you will need to run a credit check on yourself. You can do this by using a service like Noddle or Credit Expert by Experian. It’s a somewhat lengthier process doing it this way, but it’s the only option available to you if you prefer not to have a third party handle your PPI claim for you.

If you wish to make the process quicker and simpler, it can only be done through a PPI claim company that has this special arrangement in place.

Which Banks Can I Claim PPI Without Account Numbers?

As silly as this may sound, we’re not allowed to present that information publicly. That was part of the agreement with many of the banks. In order to find out which of the main banks the ‘no account numbers needed’ applies to, it’s best to get in touch so we can give you more information.

Don’t worry, it’s not a cunning trick to get you through the door! You’re very welcome to get in contact, ask the questions you have regarding the PPI claims process and which banks offer this improved way to claim. We’ll be happy to answer your questions and tell you which banks you can claim PPI without account numbers. It will be without pressure or obligation to proceed further if you choose not to.


If you want to start a PPI claim without account numbers, you can utilise a special agreement we have negotiated with many of the main banks. This agreement means we only need to give them your full name and previous address history in order to search their entire database. In many cases (but not all), these banks will also search the databases of their sister companies too.

This service isn’t available to individuals wishing to claim by themselves. So if you prefer not to use a PPI claim company to handle your claim for you, your best option is to run a credit check on yourself. You can do this by using services such as Noddle or Credit Expert by Experian.

Once you have the information provided from that check, you can then contact each bank or lender on the list to ask for copies of your paperwork. Once you receive the copies of your paperwork, you can check it for any mention of PPI, find the account number for the policy and then proceed with your claim that way.

I Have More Questions About PPI

If you’re still unsure about anything, you can find answers to more of the common questions we encounter every day by clicking here. Alternatively, feel free to get in touch to speak with a real human being that will be happy to answer your questions and who won’t pressure you to start your claim unless—and until—you’re ready to do so.

IMPORTANT:The last day we can accept a new claim is Friday 23rd August – midday – to ensure the paperwork is properly processed and lodged with your lender before the cut-off time.