Q: I’ve received a Letter of Authority for my sole claim, but my partner’s name is listed as ‘Applicant 2’. The account was not in joint names so why is this?

A: For claims that only relate to your own accounts you will still find the name of your partner on your Letter of Authority (LOA). This is purely the way the paperwork is generated, your partner does not need to sign the form and it has no bearing on your own claim at all.

Whenever you are submitting several different claims which are a combination of joint and sole cases you will always receive a joint customer reference number. This enables us to send you LOAs for your joint claims quickly and efficiently, with space for both of you to sign the form.

If you are submitting a claim where you and your partner are both named account holders then you will see both your names on the LOA and we will require both of you to sign the form before we can progress.

When you are the only person submitting claims to us you will only ever see your own name on the LOA requiring your signature.

Say for example that Mr and Mrs Smith ask us to check their finances for potentially mis-sold PPI with both single and jointly held accounts. They are allocated a joint reference number.

Mrs Smith would like to look into her credit card on which she is the sole account holder.

When Mrs Smith receives the LOA for her claim she will see Mr Smith’s name on the bottom too, but only Mrs Smith as the account holder needs to sign the form.

She would also be able to keep up to date with the progress of all of her claims 24/7 using an account for our online customer tool Update+.

A LOA is a form that needs to be signed for each claim we are handling for you, with your signature confirming you are happy for The Fair Trade Practice to work on your behalf.

Tens of thousands of people check their finances for PPI with us every year and for every single one of the hundreds of thousands of checks we carry out we need a signed LOA.