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The simple answer is no, while you can choose to instruct a solicitor or claims management company to deal with the claim, you can also submit the claim yourself.
If you instruct a claims management company they are likely to take a percentage of the amount recovered (often 20-30%). Therefore your refund will be significantly less than dealing with the claim on your own.
A PPI claim usually only involves completing a simple form so we recommend that you claim back PPI yourself to maximise the money you are refunded.
However if your claim is rejected by the bank and then the financial ombudsmen the only option that may be open to you is to commence court proceedings. At this point it may be worth contacting a PPI claims solicitor for further advice.
'No Win No Fee' subject to entering into an agreement with a suitable insurance policy and complying with your responsibilities under its terms.