On 30 March 2016 the Advertising Standards Authority (ASA) published a ruling, upholding Lloyds Banking Group’s complaint regarding an advert on Manchester Claims Ltd’s (Manchester Claims) website in November 2015.

The advert claimed that Manchester Claims' average PPI refund was £3,000 and that its overall success rate was 90%. Lloyds challenged whether the claims were misleading and could be substantiated.

As Manchester Claims did not respond to the ASA’s enquiries and did not provide any evidence to substantiate its claims, the complaint was upheld.  The ASA was concerned by the lack of response from Manchester Claims and the apparent disregard for the Committee of Advertising Practice Code (CAP Code).  

ASA ruled that the advert must not appear again in its current form and Manchester Claims were told not to make “average pay out” and success rate claims in future if it could not substantiate them. The ASA referred the matter to CAP’s Compliance team.