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Enter your total income (before tax) from your job, pension or taxable benefits. Use an estimate if you don't have the figures to hand.

Did you complete a self-assessment tax return in the year you received your refund? Yes

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Terms & Conditions

By making a claim with us, or by using any of our services, you are agreeing to the following Terms & Conditions.

If there are any parts of this agreement that you are unclear about, please contact us before proceeding. 

You are aware that you can submit a claim directly to HMRC for free however by claiming with us, you are agreeing to use our services to recover overpaid tax paid on your PPI refund.  

DEFINITIONS
“We”, “Us” and “Our” refers to PPI Rebates, a trading name of Tax Rebates Ltd.

“You” and “Your” refers to you or your nominated representative using our service on your behalf.

“Claim” refers to the overall process of recovering any overpaid tax from HMRC.

“Claim Form” refers to the signed instruction you have given us to act on your behalf to recover any overpaid tax from HMRC.

“Website” refers to our website www.ppirebates.co.uk

1. OUR FEES
1.1 We will receive refunds from HMRC on your behalf and deduct charges in accordance with our fee, prior to making payment to you.

1.2 Our standard fee of 25% + VAT (total 30%) applies to any refund over £140. 

1.3 Our minimum fee of £35 + VAT (total £42) applies to any refund of £140 or below.

1.4 In the rare event that your refund from HMRC is less than our minimum fee, there will be no payment made to you.

1.5 As part of the process of recovering overpaid tax on a PPI refund, a full reconciliation of your tax account (for the tax year you are claiming) will be carried out. This may result in other overpayments of tax being identified and recovered, on which our fee will apply.     

2. YOUR OBLIGATIONS
2.1 You must grant any permissions, consents or otherwise that we need and must give us access to any and all relevant information and any other matters which we need to provide the Services.

4. OUR RESPONSIBILITIES IN PROCESSING YOUR CLAIM
4.1 We will use all of the information you have provided to accurately assess, calculate and process your claim.

4.2 We will not be held liable for any errors that you have made on your Claim Form that result in HMRC issuing an incorrect refund of tax, or no refund at all. 

4.3 We reserve the right to make any required amendments to your claim form in order to ensure it is valid, prior to submitting it to HMRC.

4.4 Claims take an average of between 6-12 weeks to process once submitted to HMRC however this is not an official timescale nor is it a guarantee that your claim will be processed within 12 weeks.

4.5 HMRC may request further information from you in order to process your claim. We will not be responsible for any delays in your claim as a result of you not providing this information.

4.6 We reserve the right to cancel your Claim if we believe it has no merit or a reasonable chance of being successful. 

5. DISCLAIMER
5.1 We are not responsible for the refund of tax, or the rejection of a claim, where:

5.2 You have provided information that is false, inaccurate, insufficient, misleading or simply different to the information HMRC have on you. 

5.3 You have already applied for and/or received a PPI tax refund prior to making a claim with us.

5.4 You owe money to HMRC.

6. YOUR ESTIMATED AND ACTUAL REFUND
6.1 When you make a claim with us, we will provide you with an estimate of the amount of money we believe we can recover for you. This estimate is based on the information you have provided about your PPI refund. 

6.2 Your estimate is not a guarantee of the amount of money you will receive, or that you will receive any money at all. The exact amount of any refund owed to you by HMRC can only be established by processing your Claim. 

6.3 We will not be held liable for any instances in which the actual refund is less than the estimated amount, or if your claim does not result in a refund at all.

6.4 We strongly advise against making any financial commitments based on an estimate or on any kind of premise of a tax refund and will not be held liable for any loss or hardship you incur, financial or otherwise, as a result of doing so.

7. CANCELLING YOUR CLAIM
7.1 You may cancel your claim at any stage providing it has not been submitted to HMRC for processing. Please contact us to request cancellation.   

7.2 You cannot cancel your claim under any circumstances once it has been submitted to HMRC for processing, or at any stage afterwards.

8. REPAYMENTS MADE BY US TO YOU
8.1 We will issue your repayment via cheque once we have cleared funds from HMRC. 

8.2 Cheques will be issued using the exact details you provided when registering your Claim unless you have notified us of any changes or errors. 

8.3 A £10 fee will apply to have your cheque reissued, unless the reason for reissuing is not your fault (for example, the cheque has been lost or stolen in the post).   

8.5 Cheques will be cancelled 1 year from the date of issue if they have not been cashed. A fee of £25 will apply to have a new cheque issued to you.

9. AGENT AUTHORISATION
9.1 By returning your signed Claim Form, you authorise us to be registered as your Tax Agents with HMRC which allows us to act on your behalf in processing your Claim.   

9.2 Our responsibility as your Tax Agent is strictly limited to matters relating to your Claim. We will not be responsible for any other matters between yourself and HMRC.

9.3 It is your responsibility to revoke our authorisation once your claim has been concluded and you no longer require our services. Please contact us to do this.  

9.4 We reserve the right to remove ourselves as your Tax Agent without notifying you.  

10. DEED OF ASSIGNMENT
10.1 By returning your signed Claim Form, you authorise us to receive any refund of tax owed to you by HMRC, providing the refund is from one of the tax years stated on your Claim Form. 

10.2 The Deed of Assignment will remain in place indefinitely unless you ask us to revoke it and we agree. 

10.3 We reserve the right to refuse this request if we believe a refund of tax is due to be issued to us as a result of your Claim.  

10.4 We are under no obligation to process a refund of tax that we have received due to holding a Deed of Assignment for that tax year, if the refund is not related to our Claim. If we agree to process the refund, a processing fee of £30 (inc VAT) will be deducted.

10.5 Upon your request (and our agreement to it), we will provide you with a letter which you will need to co-sign and post to HMRC. It is your responsibility to ensure this letter is actioned by HMRC.  

11. DATA PROTECTION AND MONEY LAUNDERING
11.1 For full details of how we process your data, please refer to our Privacy Policy located at www.ppirebates.co.uk/privacy

11.2 In order for us to comply with Money Laundering Regulations, we may be required to verify your identity before we can provide the relevant service to which this legislation applies.

11.3 By making a Claim with us, you agree that we may use the services of a third-party agency in order to verify your identity. This search is similar to those performed by price comparison websites and does not impact your credit rating (although the search may be visible on your credit file).

11.4 In instances where we are not able to verify your identity, we may ask for additional documentation from you (such as a passport, driving licence etc). We reserve the right to withhold any payment due to you until your identity has been confirmed.

12. LIABILITY AND INDEMNITY
12.1 Our liability under these Terms and Conditions, and in breach of statutory duty, and in tort or misrepresentation or otherwise, shall be limited as set out in this clause. The total amount of our liability is limited to the total amount of Fees payable by you under the Contract.

13. SEVERANCE
13.1 If one or more of these Terms and Conditions is found to be unlawful, invalid or otherwise unenforceable, that / those provisions will be deemed severed from the remainder of these Terms and Conditions (which will remain valid and enforceable).

14. LAW AND JURISDICTION
14.1 These Terms and Conditions are governed by and interpreted according to English law. All disputes arising under these Terms and Conditions are subject to the exclusive jurisdiction of the English courts.

— v1.8 updated on 15/01//2021

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Frequently Asked Questions

How can I check if I was taxed on my PPI

Your final settlement letter will include a breakdown of how your PPI refund was calculated. It will usually consist of 3 components:

1. The actually PPI premiums.
2. Interest (if your original loan was increased to pay for PPI).
3. Statutory Interest (this is usually 8% per year).

The third element, Statutory Interest will usually have 20% tax deducted from it before it is paid to you.

How much will I get back?

The amount you’ll get back is dependent on your personal circumstances. The value of the refund is mainly based on your income in the year of the refund as well as the amount of Statutory Interest paid.

What documents will I need to claim?

You will need the Final Settlement / Response letter from your lender as this proves the amount of tax that was deducted from your refund. We’ll also need proof of ID to comply with Money Laundering Regulations.

If you’re missing any documents, we’ll liaise directly with your lenders and HMRC to get any missing information.

How long does the process take?

This depends on how quickly your lenders and HMRC respond to our claim. Most claims are settled within 6-12 weeks.

How much does it cost to claim?

Our fee on successful claims is 25% plus VAT or £50 plus VAT (whichever is higher). For example, if your refund is £500, our fee would be £150 and you would receive £350.

Our fee is settled directly from the refund, so you never need to pay us out of your own pocket.

Is there a time limit for claiming?

You must file a claim within 4 years from the end of the tax year in which you received your refund.

For example, if you received your refund on 31st January 2019 (2018/19 tax year), you must claim by 5th April 2023.

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