St Michael & All Angels

Sharing God's Love


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At out recent PCC meeting our new Treasurer Jane explained that based on forecasts of regular giving against normal expenditure we are looking at an annual shortfall of approximately £30,000. Some of this will be met by income from the vestry hall and other fund raising during the year, but it still a big gap to close to meet rising annual costs (principally the Parish Share). 

We are looking at how we find ways to fill our funding gap, and this could be one opportunity. 

Some of us may already have made PPI claims, but others may not have done, either because they don’t know they have one, or (for some of us) as a natural reaction to the hard sell tactics of the many PPI claims companies who have interposed themselves in the process. 

If you haven’t made a claim yet, or explored whether you have a claim, this may be an opportunity to ensure you get the compensation that is due to you (£33bn has already been paid out) AND donate some or all of what you may regard as a windfall towards the ongoing running costs of our Church. BUT time is running out on this option - claims must be made before 29 August this year. 

What is PPI?

Payment Protection Insurance (PPI) was insurance which covered payments if the borrower was made redundant or couldn’t work due to injury, illness, disability or death. Most policies were sold between 1990 and 2010, but some were being sold back as far as the 1970’s.

The Lenders made huge profits on the commissions, and by 2006 the Financial Services Authority (now called the Financial Conduct Authority) had decided there was widespread mis-selling of these policies and the lenders were ordered to set up a compensation scheme. Mis-selling could take a variety of forms, including pressurising people into buying it, PPI being made a condition of the loan, or it being included without you even realising it. 

How do I know if I had PPI?

Any of us who took out a loan, mortgage, credit card, store card or catalogue account, particularly between 1990 and 2010, but possibly earlier, might have been mis-sold PPI.

Many of us may not have records going back that far. However the good news is that even if you don’t, you can check whether you may have a claim simply by remembering the name of the lender, plus giving your name, and the address you were living at when you took out the loan/card, and date of birth.

You can check the names of the main lenders who are part of the compensation scheme by checking on the Financial Conduct Authority website at

In 2018 the average successful claim was £2004, but some are less, some considerably more (£15k plus).

To check if you have a claim:

You can engage the services of a PPI Claims company. There are many out there, no doubt of varying quality, and all will charge a percentage of what you are paid - 20/25%  typically, though we have seen firms offering a 10% fee. They will do most of the running around for you, and some of us may prefer that. Plus if you are a tax payer, you can make back the commission by gift aiding your contribution. 

Or you can cut out the middleman and do it yourself. 

The FCA website is a helpful source of information, with lists of the relevant lenders, and links through to their websites to make claims direct.


“Which” also have a very helpful website and you can make claims direct to lenders through their portal without charge.

Go to

Click onto “More from Which” (see the bar at the top of the page) Click into “Services” (red left side bar) Click onto “Consumer Rights”

Then follow the link to make a PPI claim.

Next steps

If you think this is something you can help the Church with, do please go ahead with your claim. THE DEADLINE IS 29 AUGUST.

And if you would like me to help you check or make a claim, I would be happy to do so, and will of course respect and maintain privacy and confidentiality. 

Many thanks

David Emanuel (PCC Member)

01622 832925; click here to email