here’s how to make a claim before the deadline

Anne, a 61-year-old retiree from Yorkshire, could barely believe her eyes when she opened an envelope from Halifax to find a cheque for £32,732.

“I just had to sit down,” she said. “I was thinking, ‘this can’t be right’. I didn’t even know that what I had been sold was called PPI. It was just coming to the deadline and I thought I’d have a look.”

Anne, who did not want to give her surname, had signed up for a credit card with Halifax in the Eighties and had been sold an insurance policy – a form of now-notorious “payment protection insurance” (PPI) – to ensure that she could keep up repayments after a loss of income or a bout of serious illness.

As a local government worker Anne was already eligible for 26 weeks of sick pay and, given her age at the time, was very unlikely to need the cover.

She said: “I did question it but they were using scare tactics. I was 22 and applying for my first credit card; I wasn’t as savvy back then as I am now.”

Anne complained to Halifax and in April received her cheque, split roughly half and half between compensation and interest.