Martin Lewis PPI Sample Letter: Unlock Your Refund, Step by Step

Published at January 21, 2026 | Written by

Joshua Martinez

A proper way to get your PPI (Payment Protection Insurance) claim settled is to send a clear, convincing letter to your lender. The Martin Lewis PPI Sample Letter provides you with a template that covers every detail a regulator needs and makes your case compelling for a refund. With over 1.4 million claims lodged in the last decade, most people still don’t know how to write the right letter. This guide shows you exactly how to fit your unique details into the template, increases the likelihood of a quick response, and ensures you recover the money you lost.

We’ll walk through what the sample letter looks like, why it matters, and the four most common scenarios where you need a tailored letter—whether you’re contacting a bank, demanding evidence, insisting on immediate payment, or clarifying third‑party agreements. By the end of this article, you’ll have four ready‑to‑send emails or letters that can boost your refund chances and help you feel more in control of a frustrating process.

How the Martin Lewis PPI Sample Letter Works

The heart of the Martin Lewis PPI sample letter lies in its structure: it satisfies both the lender’s compliance checklist and the regulator’s evidence burden. Key elements include personal details, loan reference, the reason for the claim, a concise claim summary, and a specific request for a refund amount. When you use this format, you avoid the common pitfalls that cause delays—missing signatures, confusion over dates, or incomplete proof.

Most lenders offer only a short window (usually 12–24 hours) to insert a PPI assurance when you take out a loan. If you miss that, you’ll need to prove the insurance was purchased. The sample letter directly addresses lenders’ standard queries: “Did you receive a PPI policy?” “When was it issued?” and “Is it still in force?”, providing a ready answer for each. By presenting all the facts in one clear section, the letter lets the lender quickly cross‑reference your records.\n

Here’s a quick snapshot of the letter’s core components:

Section	Content
Header	Your name, address, and contact details
Loan Details	Account number, lender name, loan amount, start date
Statement of Claim	Short statement that you were incorrectly sold PPI
Supporting Evidence	Copies of emails, receipts, or contract excerpts
Refund Request	Specific amount, calculation breakdown, and deadline
Signature	Hand‑signed signature and date

Why this structure matters: It mirrors the FCA’s “authorized notification” form, ensuring the lender does not need to seek more information. A quick review reduces the chances of your claim being dismissed for lack of clarity or evidence. Next, let’s look at how you adapt this letter for four everyday scenarios.

Martin Lewis PPI Sample Letter for Claiming a Refund From a Bank

Hi [Bank Representative's Name],

I am writing to formally request a refund under the Payment Protection Insurance (PPI) rules for my loan reference number 12345678 with your bank. My loan was taken out on 22‑02‑2016, and it is my understanding that PPI was sold to me as part of the settlement package. Unfortunately, because I was not aware of the policy terms when applying, I never activated or paid this insurance, and the policy expired on 22‑02‑2017. £41.10 was collected for each of the 12 months, giving a total of £493.20. I have attached the statements that show these deductions and my personal bank records confirming no payments were made on the policy.

**I therefore request a full refund of the entire amount of £493.20**. Please process the refund to the account used for the loan repayment. To facilitate this, I request your confirmation that the refund amount is correct and that the transaction is completed no later than 30 days from the date of this letter. Should you need any further documentation, I am ready to provide it immediately.

Thank you for your prompt attention to this matter. I look forward to your response.

Yours faithfully,
[Your Signature]
[Your Printed Name]
[Your Address]
[Phone Number]

Tip: Add a Copy to field for your solicitor or the FCA, if you’ve already engaged legal help. That adds extra pressure on the bank to settle quickly.

Martin Lewis PPI Sample Letter to Request Evidence of PPI Purchase

Dear [Lender’s Name or Customer Service],

I am writing to request the full supporting documentation related to the Payment Protection Insurance (PPI) that was reportedly sold to me at the time of securing my loan (Reference: 87654321). Under the Consumer Credit Act, I’m entitled to know the exact terms, cost, and period of any such policy. I would appreciate it if you could provide:

A copy of the original PPI contract or assurance letter sent to me.
Detailed statements outlining the deduction amount, frequency, and dates of the PPI payments.
Any correspondence you have with me regarding the policy’s activation or cancellation.

Please send the documents to my mailing address above, or email them to you@mail.com. I require these records within 14 days so that I may assess whether a refund is due. Should your records show I never signed or activated the policy, I will pursue a statutory PPI claim. If you have any questions, I can be reached at the phone number listed below.

Thank you for your cooperation.

Sincerely,
[Your Signature]
[Your Printed Name]
[Address]
[Email]
[Phone]

Martin Lewis PPI Sample Letter for Seeking Immediate Payment of the Debt

To Whom It May Concern,

I am writing in reference to my outstanding payment protection insurance balance for loan number 11223344. After reviewing the statements and confirming that the policy expired during the term of the mortgage, I am requesting a full repayment of the excess amount over the period the policy was inactive.

**The amount requested is £630.00**, calculated as £52.50 per month for a 12‑month period when the policy was inactive. I have attached a table summarizing how the amount was derived to provide full transparency.

Month	Payments Due	Actual Payments Made	Excess to Refund
Jan‑17	£52.50	£0.00	£52.50
Feb‑17	£52.50	£0.00	£52.50
...truncated for brevity...
Total	£630.00

Please process the refund to the account displayed on my recent repayments. I anticipate receiving the full sum no later than 21 days after receipt of this letter. If you need any additional information, let me know promptly using the contact details below.

Thank you for acting swiftly.

Regards,
[Your Signature]
[Your Printed Name]
[Address]
[Phone]
[Email]

Martin Lewis PPI Sample Letter When Adding a Third‑Party Signatory

Dear [Lender],

I am adding a new signatory to my mortgage account (Reference: 99887766). Per the Mortgage Lenders Act and your internal policy, a co‑signer must be introduced through a formal letter stating the full details of each party involved. I am also notifying you of an outstanding PPI related matter that may affect the account.

**Details of the new co‑signer**:

Name: Annabelle Smith
Address: 12 Carpet Lane, Manchester, M1 2AB
Date of Birth: 04‑08‑1985
Relationship: Partner

**Relation to the PPI claim**: Annabelle will have full access to any future correspondences and is fully aware of the pending PPI claim for the original loan. She has read the statement of rights and claims stated in your policy. Please confirm that the inclusion of a co‑signer will not affect the status of my PPI recovery. I require your written confirmation that the co‑signer has been accepted and that the PPI claim remains active.

Thank you for your timely response. Please address any questions directly to me or to the co‑signer at the email addresses noted below.

Kind regards,
[Your Signature]
[Your Printed Name]
[Address]
[Email]
[Phone]
Co‑signer Anna Smith
[Co‑signer Email]
[Co‑signer Phone]

Conclusion

Using a Martin Lewis PPI Sample Letter simplifies the whole claim process. By presenting every required fact, evidence, and calculation in a single, easy‑to‑read format, you reduce friction for the lender and increase your odds of a quick, full refund. A well‑crafted claim also saves you time, money, and the headache of chasing you. Your next move is simple: print the relevant template, fill in the personalized data, and send it with confidence. Don’t wait—send that letter today and claim your rightful money.

If you need support tailoring the letter or want to discuss the next steps for a legal claim, consider reaching out to a free advice service or a qualified solicitor. The quicker you act, the higher your chances of success. Make your voice heard, and let the banks account for the mistake.