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A PPI tax claim is there to get you the financial compensation you deserve if you have had any tax wrongly taken off your overall pay-out. Throughout the last year, the world has changed due to the Covid-19 pandemic. Many people have had their lives turned upside down and have been staying at home in order to avoid spreading this disease between each other. With the lockdown currently being lifted in the UK, you may be wondering to yourself if now is the time that you should be getting your tax sorted. After all, it’s almost April and that means another tax year is ending. That’s why it could be essential that you make your claim as quickly as possible to get back what is owed to you.

Here at Gowing Law Solicitors, we understand that making any type of PPI tax claim can be a daunting experience. This is where our lawyers can step in to help you. Our solicitors are tax specialists and can give you personalized advice to get you started. We have already helped clients all over the UK reclaim around £10,000 in rebates. Therefore, we are determined to do the same for you!

Contact us today on 0161 464 4444 or use our PPI tax button below to visit our website:

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Why was I charged PPI Tax in the first place?

Before we talk about making a PPI Tax claim, let’s have a quick discussion about PPI pay-outs. That way you can understand why you can make a claim in the first place! PPI stands for Payment Protection Insurance. It was originally created to protect clients who were taking our financial obligations, such as credit cards, loans or catalogue payments. Purchasing PPI would act as a safety blanket for if you could not pay back what you owed on time. However, in most cases it was actually mis-sold. For instance, most of the time the pay-outs from PPI would not be enough to cover the payments. Some additional reasons why it was mis-sold include:

  • You did not know you were being sold PPI
  • Your financial advisor pressurised you into purchasing PPI
  • PPI was included in your policy without you realizing it
  • You were self-employed when you purchased PPI
  • You went to live abroad after you purchased PPI

If you fell into the applicable categories then you could have made a PPI claim. Unfortunately, you may not have received all of the pay-out that you deserved. Instead, some of it may have been taken away due to PPI tax. Now that you understand PPI in general, let’s talk a little more about why your pay-out was taxed.

Pay-out for PPI

PPI Tax Claim: What do I need to know about a pay-out?

Now that you understand a little more about PPI, it’s important that you understand that your pay-out could have been taxed. Therefore you did not receive the full amount that you were owed from HMRC. Your pay-out was made up of three things:

PPI Tax Claim Pay-out infographic

As you can see, the only thing that could be taxed is your statutory interest. In some cases, your bank (or HMRC) may have assumed that you were going over your personal savings allowance (PSA) and that’s why the pay-out was tax. However, if you did not go over your PSA, and only received some of the pay-out that you were entitled to, you will be eligible to have this returned to you through a PPI Tax claim. In some cases, around 20% of your pay-out could have been automatically deducted due to the bank not checking more details about your PSA. This is where a trained solicitor from Gowing Law can help you get your money back.

PPI Tax Claim Pay-outs

Will Covid-19 and the lockdown impact my PPI tax claim?

Quite honestly, the only thing that could impact your PPI tax claim is in relation to the amount of time it may take in order to get your pay-out. As you may know, there has been a backlog of court cases in the UK. That means that it could take you a little longer to get the pay-out that you deserve. Try and remain patient with your solicitor as they will try their best to keep you in the loop about how your claim is progressing. Your PPI tax claim can all be handled remotely. This means that you will be kept safe and will not be put at risk by going outside of your social bubble.

Gowing Law’s solicitors understand that this is a difficult time for our clients. That’s why we want to give our clients as much support as possible. We can fill in any tricky paperwork and make sure to avoid any mistakes that could invalidate your claim. That way you can sit back, relax and allow yourself peace of mind whilst your lawyer can get your claim completely sorted.

We have even created a helpful PPI Tax claim form for you to fill out in order to help you get in contact with a tax specialist as quickly as possible:

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How long do I have to make a claim?

The time limit is one of the reasons why we would highly recommend that you get in contact with a specialist tax solicitor as soon as possible. You should have around four years to make a valid claim from the tax year you received your PPI pay-out. For most people, that means the deadline for 2016-2017 is coming up in April. As it is likely that the pandemic may slow down your claim, it’s best to get the paperwork sorted for your claim as quickly as possible. That way you can get your pay-out before the deadline hits.

PPI Tax Claim pay-outs

How can our solicitors help you during the lockdown?

Here at Gowing Law Solicitors, we understand that you may feel nervous about making any sort of claim. You don’t want to put you or your social bubble at risk of catching Covid-19 or breaking the lockdown regulations. That’s why we want to assure you that our lawyers can help you remotely. That means you don’t need to leave your home. Instead, you can communicate with your solicitors by phone, email or through a video call. That way you can keep your distance but still get the compensation that you deserve.

Our solicitors can also help you by:

  • Providing you advice about social-distancing measures (i.e. using different pens or signing contracts outside)
  • Filling out any paperwork work on your behalf
  • Providing tailored advice about your case
  • Speaking to HMRC for you
  • Making sure you get your cheque in a timely manner

Contact Gowing Law Solicitors about your Claim

PPI Tax Claim Button

You can make a PPI Tax claim with the help of an experienced solicitor even during the current lockdown and pandemic. The new tax year is coming up, therefore it is a good idea to get in contact as quickly as possible. That way you could get the pay-out that you deserve. We can offer you free legal advice and consultations to get you started. That way you can understand more about the type of tax claim that you are making. If you are happy to work with Gowing Law’s solicitors, they can offer their services on a “no win-no fee” basis. That means you will always come out on top and will never have to pay any hidden fees.

Contact Gowing Law today to get started on your PPI Tax claim by phoning us at 0161 464 4444, emailing or by filling out our self-assessment form.

Learn more about PPI tax refunds

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Don’t forget that if you want to learn more about tax claims the best place to go is our blog. We update it with weekly content about personal injury claims, tax claims, will-writing help, mis-sold pensions and housing disrepair claims. In addition to this, we also talk about our seasonal events, competitions and giveaways. If you would like us to discuss a certain topic of interest, please let us know. Send in your suggestions to or let us know on our socials.

We look forward to seeing you in our next blog!

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Gowing Law are a professional law firm that specialises in the personal injury sector of the industry. Gowing Law are Authorised and regulated by the Solicitors Regulation Authority (SRA).

Gowing Law are trusted by the people who they have helped in sucuring the compensation they deserve, with fantastic reviews across all review sites including Trustpilot & Google Reviews.

Gowing Law is law firm based in Manchester but offer their legal services nationwide. We specialise in the personal injury claims and our team of solicitors have the experience and expertise needed to handle your case and help you through the claims process.

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