Royal Bank of Scotland Claims

Have you taken out PPI with Royal Bank of Scotland?

Royal Bank of Scotland (RBS) is one of the top banks in the UK and have sold payment protection insurance (PPI) for years attached to loans, mortgages and credit cards.

When sold properly, PPI ensures that a borrower will be able to make the monthly payments on their financial commitments if ever they come out of work through accident, sickness or unemployment. But the insurance was often mis-sold to customers who didn’t want it, need it or couldn’t claim on it because of exclusion clauses built into the policy. Read on to find out more about Royal Bank of Scotland PPI Claims.


The bank – which is 82% owned by the British taxpayer – was put under investigation by the UK’s financial regulator, along with all the other top banks, after concerns were raised about the number of unfair rejections being received by the Financial Ombudsman Service (FOS).

The scale of rejections being overturned has prompted the UK regulator – the Financial Conduct Authority (FCA) – to investigate the claims handling processes of the whole industry.

One investigation into the medium banks revealed ‘serious concerns’ about the way in which PPI claims were being investigated.

LIBOR scandal

Along with Barclays, RBS was implicated in the LIBOR rate-rigging scandal during which the Financial Services Authority – the UK regulator at the time (now the Financial Conduct Authority) – said that ‘misconduct was widespread’ at the bank.

They found that RBS traders had colluded with other banks (including Barclays) to ‘fix’ the inter-bank lending rate for their own advantage. The US authorities hit RBS with a series of fines totalling £300 million to which the FSA added a further fine of £87.5 million. Barclays was fined £290 million for being involved in the same scam.

The RBS Group, which also includes NatWest, has set aside £4.7 billion to pay successful PPI claims. The industry as a whole has earmarked £40 billion+ to pay back mis-sold PPI premiums.

How do I know if I was mis-sold PPI?

RBS PPI was mis-sold in a number of ways:

  • Were you given the chance to refuse the policy?
  • Did RBS ask about your employment status?
  • Did they ask how much sick pay you received from your employer?
  • Was the PPI advice they gave you fair and accurate?
  • Were you made aware you could shop around for a similar policy elsewhere?
  • Did the bank ask about any pre-existing health problems?
  • Did you even know PPI had been added to the account?

If any of the above applies to you then you may have possibly mis-sold your PPI policy and could make a claim to get back any money that’s rightfully yours.

Claiming back PPI

We offer a Free PPI Check** which aims to identify any PPI your lenders may have sold to you. Should you decide to pursue a claim through us if PPI is found, we will treat your case with the utmost care. Getting started with Gladstone Brookes is simple. Just call us on 01925 321 0150800 862 0375 or fill in the PPI check form on our website.

For any claims pursued, we aim to recover 100% of any premiums that you have paid, plus any interest paid on those premiums and where possible a further 8% in statutory interest.

Gladstone Brookes has a 91% success rate on the claims we make on behalf of our clients and we have already recovered more than £1 Billion± for our clients against a wide range of lenders.

Making a claim

If you decide to pursue a PPI Claim through Gladstone Brookes, once we issue a letter of claim to RBS, the bank should acknowledge it as soon as possible and then our average timeframe is 8-16 weeks from the date of that acknowledgement to a final decision being made.

If your RBS PPI claim is a success the compensation will be paid directly to you and Gladstone Brookes will then invoice you for our fees which are 20% + VAT° of the total redress offered by your lender, including any reduction of any outstanding agreement, which if in place the PPI may be cancelled. If we are unsuccessful there will be no charges whatsoever.


Of course, your claim might also be rejected, but if that happens Gladstone Brookes will assess the terms of the rejection and advise you whether or not an appeal to the Financial Ombudsman Service (FOS) to overturn the decision might succeed.

It’s all part of the same no win no fee service.  Our specialist team will carefully examine the rejection letter and, if they feel there is the chance they can get the decision overturned, they will compile the necessary information to appeal to FOS.

Did RBS sell you PPI?

To start a PPI check and find out if you were sold PPI, which you could reclaim, simply fill in our online form. Start My PPI Check

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