Trying to claim for PPI can be a notably difficult business. This is particularly true if it has been a long time since the policy was taken out, even up to a decade in some cases. 
In cases like these it is vitally important to follow a procedure that allows the pursuit of the claim regardless of the individual merits of the situation.
How to start claiming
In order to do it yourself, you ought to start by trying to locate the paperwork relating to the loan. This should detail the terms & conditions surrounding the PPI policy that you were sold.
In case you cannot find the paperwork, you can ask your lender to send you a duplicate.
If it turns out you were mis-sold PPI, it is a good idea to write to your lender asking for a refund, including copies of any paperwork that adds weight to your claim.
Next, in case you do not hear from your bank within eight weeks, or it turns down your claim, you can contact the Financial Ombudsman Service.
They will look at your case, which can take a long time, but if it decides in your favour it will contact you with any offers from your lender.
The benefits of using PPI claim specialists
However, taking this route can often be a complex and taxing process. As an alternative, many people choose to use a PPI claims specialist to help them in their quest for compensation.
These specialists can handle all aspects of the process, provided you can provide them with the relevant data related to the policy.
If you attempt to process a claim yourself, you may run the risk of committing oversights of failing to include all details of the policy.
