Santander Claims

Do you have PPI with Santander or one of its’ subsidiaries?

Santander is the new kid on the block in UK banking circles, but it has taken over accounts from three of the more established firms – Alliance & Leicester, the Abbey and Bradford & Bingley which it took over between 2008 and 2010.

All three of the firms had sold payment protection insurance (PPI) in their own right. Sold correctly, PPI was designed to enable borrowers to continue making their monthly payments if ever they came out of work through accident, sickness or unemployment. Read on to find out more about Santander PPI Claims.


But the policies were also mis-sold to customers who didn’t want them, didn’t need them or couldn’t have made a claim on them because of exclusion clauses built into the policy. In fact, Alliance & Leicester were fined £7 million by the Financial Services Authority (FSA) in October 2008 for ‘serious failings in their telephone sales of PPI.‘

The FSA – the UK banking regulator at the time – said the company had not made it clear that PPI was optional and had actually trained its staff to put pressure on customers where they challenged the suitability of PPI or challenged the advisors’ recommendations.

How was PPI mis-sold?

Santander follow the same pattern as those for the millions which were mis-sold for more than a decade right across the financial industry:

  • Was the PPI advice given by Santander correct and helpful to you?
  • Were you made aware that the policy was optional?
  • Did Santander check how much sickness pay you received from your employer?
  • Did they ask questions about your employment status?
  • Did you feel you were treated fairly?

If the answer to any of these questions is no then you have possibly been mis-sold your 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± from claims 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 Santander, they 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 Santander 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 Santander 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

Latest Bank News

FOS admits it ‘failed to get to grips’ with cases

The Financial Ombudsman Service (FOS) has admitted it ‘failed to get to grips’ with almost one in ten of the cases it dealt with in 2018.
Read More

CYBG still receiving 1,800 new PPI claims a week

CYBG – the parent company of Clydesdale and Yorkshire Banks – is still receiving around 1,800 new PPI claims a week.
Read More