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Clydesdale Bank PPI Claims

Have you ever taken out a credit card or loan with Clydesdale Bank?

If you have taken out loans or credit cards with Clydesdale Bank and have a concern about how your PPI policy was sold, would like to make a complaint, claim about a Payment Protection Insurance (PPI) policy you bought from Clydesdale Bank or check if PPI was added you may be entitled to:

  • A full refund of premiums paid from Clydesdale Bank
  • A full refund of any interest charged
  • Statutory compensation interest at 8% per annum on the above sums

We are committed to making the complaints process as straightforward and simple as possible and we are here to help to try and ensure that this happens.

We can assist you to register your PPI complaint, and take care of the entire process should you wish to make a complaint about the way in which your PPI policy was sold.

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Clydesdale Bank FAQs

There are many reasons why you may be eligible to claim mis-sold PPI from Clydesdale Bank. PPI was widely mis sold to customers either at the point of sale or at some point thereafter. All the benefits would have been explained but eligibility or appropriateness would often not have been determined. Here is a list of the most common situations when PPI could have been mis sold:

  • You may have been told that the loan or credit card would only be approved if you took out PPI alongside the loan or credit card.
  • You may have refused to take out PPI but it was added to the loan or credit card anyway.
  • You may not have even been informed that PPI had been added to the loan.
  • You were not informed that the salesperson would receive commission for selling the PPI.
  • The terms and conditions, particularly exclusions, were not explained to you.
  • You were not ineligible for the cover because you: was unemployed, in part time employment, a full time student, suffering from a pre-existing medical condition, or was of a retirement age.
  • You were not offered the option of a monthly premium policy.
  • You were told that PPI was compulsory.
  • You were not asked about your medical history when sold PPI.
  • You were not asked about any existing cover that you may have already had in place.
  • You were a public sector worker who was entitled to full sick pay from your employer e.g. a police officer or a nurse etc.
  • You had a joint account but the PPI only covered one of you.
  • You were sent a credit card in the post and told to call up to “activate” the card and PPI was offered and sold to you when you called to activate the card.

Clydesdale Bank was established in Glasgow in 1938. It was purchased by Midland Bank in 1920 and formed part of the National Australia Bank from 1987 till its recent stock market flotation in 2016.

Clydesdale Bank is also associated with Yorkshire Bank as they are both part of the National Bank of Australia’s (NAB) holding company, CYBG

The following information tells you what you need to do to register your claim.

Contact us by either filling out our PPI enquiry form on this page or by email at
We will need to discuss the details of your PPI enquiry with you briefly to establish if you may be eligible for a Clydesdale Bank PPI refund and answer any questions that you may have

Once we have spoken with you if we feel you may be eligible for our service we can then post you out a Letter of Authority which enables us to run a Free PPI check or start a mis-sold PPI claim on your behalf.

Before we can begin to run a Free PPI check or start a mis-sold PPI claim on your behalf we will need you to post back to us your signed Letter of Authority in the freepost envelope that we provide to all clients

Once we receive your signed Letter of Authority we can then proceed to check with your chosen lenders to see if any PPI was sold on any of your finances and contact you with the results. The lenders have a maximum of 40 days (8 weeks) to reply to us but in general they normally respond much quicker and a wait of around 2 to 3 weeks is common. We would ask you to stay patient and await the results as the lender will be having a thorough check of their systems to locate any PPI before reporting back to us.

We will conduct a full investigation and review of how PPI was sold to you using all the information available. It is at this stage that we will proceed with any mis-sold PPI claims where we think that you may be eligible to receive mis-sold PPI compensation.

On receipt of a mis-sold PPI claim, Clydesdale Bank will normally contact us within eight weeks with a reason why a decision has been delayed or to explain their final decision in detail and if appropriate, make an offer of compensation.

If you are due a refund it will be sent out to you within 28 days of the decision.

If Clydesdale Bank decides that they are not upholding your complaint they will normally issue us with a final response decision letter outlining why they are not upholding your complaint.

We can ask the Financial Ombudsman Service (FOS) to review your claim and you/we will have six months to decide whether do this from the date on the final response from Clydesdale Bank.

Rest assured that in the unfortunate event that your PPI claim is not upheld by Clydesdale Bank we will happily refer your claim to the Financial Ombudsman Service (FOS) and deal with them on your behalf.

Many Claims Management Companies (CMCs) and law firms will typically charge an upfront fee or take a proportion of any compensation that may be due to you. In order to handle your complaint Claims Management Companies (CMCs) and law firms may charge you a fee, up to 39% + VAT.

Please note: we do not charge any upfront fees or costs whatsoever as our service is carried out on a No-win No-fee service and we charge a very reasonable 20% + VAT at the conclusion of your claim, only if your mis-sold PPI claim is successful.

Clydesdale Bank Fined £20 million For Serious Failings In PPI Complaint Handling Rules And Set Aside Another £450 Million,

Clydesdale Bank have set aside another £450 million to compensate customers for mis-sold Payment Protection Insurance. It comes after the Financial Conduct Authority (FCA) imposed a financial penalty of £20,678,300 on Clydesdale Bank and Yorkshire Bank (which are part of the same group) on 14 April 2015 in relation to the complaints handling of its customers who had purchased Payment Protection Insurance (PPI) from them.

The FCA imposed the fine on Clydesdale Bank as it is believed that Clydesdale Bank breached principle 6 of the FCA’s principles for business and relates to the unfair treatment of customers, complaints handling and customers interests.

The FCA have stated that Clydesdale’s failings were unacceptable and fell well below the standard that the FCA expects. It has also been revealed that
Clydesdale Bank misled the Financial Ombudsmen Service (FOS) by providing false information to the FOS in response to requests from the FOS about documents held about the PPI policies sold to individual customers.

A team within Clydesdale Bank’s PPI complaint handling operation adopted a practice of altering system print outs relating to loans and mortgages that had been repaid more than seven years prior to the date of the complaint and deleted all PPI information from a separate print out listing the products with PPI sold to the customer. This led to the FOS being misled about the information available to Clydesdale Bank and the FOS for determining any redress due to customers and determining the complaints.

As a result of the practices of the above team within Clydesdale Bank’s PPI complaint handling operation and their inappropriate policies towards the handling of mis-sold PPI complaints, complaint handlers when calculating redress for credit card PPI complaints would not consider credit card statements that pre-dated the year 2000, or take steps to estimate the PPI payments made before that date.

This clearly demonstrates a failure in Clydesdale Bank’s mis-sold PPI claims processing process to adhere to the rules and guidance given by both the FCA and the FOS.

Another concern is that up to 50,900 upheld complaints may have resulted in inadequate redress for customers and up to a further 42,200 may have been rejected unfairly. The FCA also found deficiencies in the training and monitoring of Clydesdale Bank complaint handlers and that complaint handlers were failing to identify cases where the PPI policy sold was unsuitable for the customer.

This latest £450 million provision set aside for mis-sold PPI will take the total cost of the mis-selling of various financial products at Clydesdale Bank to £2.1bn and is the largest ever fine imposed by the FCA for failings relating to PPI.

This is not the first time that the FCA has had to fine banks not only for the mis-selling of PPI but also for their complaints handling processes and treating customers fairly in terms of calculating redress, and it probably will not be the last.

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