How it works

Most PPI companies claim to be able to obtain your financial records as far back as ten years. They also claim to be able to check for contracts sold with PPI without any account details. This is done by means of a “Mini Subject Access Request” for which the information is received from the lender for either no cost or a small fee, typically, £5.00.


At Beat The Banks, we specialise in recovering your banking records back as far as 1995 or earlier. Whilst theoretically, lenders only have to retain records for up to six years after closure of account, in practical terms, this is not the case, especially where, for example, you may continue to have a banking relationship or did so up to six years ago.


A “Mini-Subject Access Request” typically discloses if a loan had PPI, when it was taken and when it was repaid. No documentation is recovered by, or from, the lender using this process. At Beat The Banks, we believe that only by recovering the associated paperwork can a claim be properly presented to a lender. To do this, we obtain a Full Subject Access Request. If you are certain that you have paid PPI with a lender, we are happy to meet the cost. If, on the other hand, you are unsure as to whether you did pay PPI we are happy to complete the process for you if you are happy to pay the lender’s statutory fee of £10.00. This fee is not refundable if you cancel after the 14 day cooling off period.


The full SARN allows us to fully determine what happened at the point of sale and that is vital when presenting your case. It’s one of the reasons why we are so successful in reclaiming your money.

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About Us

About Beat The Banks

We are a PPI reclaims company based in Dundee, Scotland. All our claims experts are ex bank lending managers and the vast majority of our team have a financial services or legal background.

Using our skills and knowledge, our aim is to complete every claim, no matter how big or small, with the same level of care and attention.

It is not our policy to submit claims for mis-sold PPI unless our clients have the appropriate paperwork and a clear recollection of the circumstances of the sale of the insurance. If they don’t, we will endeavour to obtain the records from the lender by means of a full SARN and from the information obtained, then, if possible, submit a claim(s).

Other Claims Management Companies may try to obtain this information on your behalf by means of a ‘Mini SARN’. This can normally be obtained for £5 or less, but may, for example, only cover records over the previous 10 years and provide no other supporting paperwork.

Our Process

Our full SARN generally allows us not only to obtain much more information from the lender, but also over a greater period of time. In some cases, this can be as far back as the early 90’s.

If you know you have paid PPI, then we will meet the £10 statutory fee the lender charges under the Data Protection Act 1998. If you are not sure, we will ask you to pay the fee, but will administrate the process on your behalf. This fee is non-refundable on any claim(s) cancelled after the 14 day cooling off period.

We commit to never asking you to complete complicated forms and will always provide you with your own dedicated Claims Expert. Just sign your name and bank the cheque and let the team at Beat the Banks do the rest.





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Message from Mike

Mike Begg is the Managing Director of Beat The Banks


Some of the dirty trick campaigns across banking were horrific. It was so far removed from the banking I started off in – it’s incredible. It was a culture of greed and the hard sell was led by the incentivisation of staff to get results. It was all about the figures. The system went from cosy friendly banking to screwing every last penny from the customers. I set up Beat The Banks to help people, I took up their fight knowing the internal tactics of the banks and now we have successfully received over 25 Million for clients. However, what most consumers out there don't know is that only around 35% of the people who were mis-sold PPI have reclaimed the compensation they are due, there is still billions set aside by the banks, so I would urge everyone to get in touch with us here at Beat The Banks and let us help fight your fight. 


Mike Begg


We Beat The Banks.

“We had no paperwork but £52,500 reasons to say thank you, we are now living our Spanish dream! Exceptional service.”

Dave & Linda , Dundee

“Have just found out I have won all my cases with the bank, going back many years and been awarded compensation of just over £15,000!”

Mr S, Dingwall

“We really appreciate the doggedness and professionalism of Jenna and the team at Beat the Banks. This is something we'd never have gotten round to doing and we're so glad we went through the process with professionals as we've now had great results. Only positives have come from the experience.”

Mr & Mrs M, Shetland

“From beginning to end, Beat the Banks have been very efficient. I am very pleased with the service from Jenna and the team. I am highly delighted and I have been recommending all of my friends.”

Mrs C, Glasgow

Over 30 Years

In Financial Forensics

No one knows the banking industry like Beat The Banks

Or call us: 0800 193 1234



Shetlands PPI click here



Edinburgh PPI click here 







11 Albert Square, Meadowside, Dundee, DD1 1DD


+44 (0) 800 193 1234


+44 (0) 1382 201 284



Beat The Banks

11  Albert Square





Company Registration No: SC413541 PPI Reclaims (Scotland) Ltd Claims Licence number CRM29125.