Plevin PPI Claims - The latest PPI scandal



What is Plevin PPI?

In the 2014 landmark case, Plevin v Paragon Personal Finance Ltd, Mrs Susan Plevin discovered that 71.8% of her PPI premium payment was the commission for the sale of the policy taken by Paragon.

The Supreme Court said that this breached the Consumer Credit Act 1974 as Mrs Plevin was unaware of the high rate of commission, and had she of known, she may not have taken out the PPI policy.

Ruling in her favour, the court ordered Paragon to refund Plevin the commission paid with statutory interest.

Plevin v Paragon Supreme Court Ruling

Video source: @UKSupremeCourt

So, What or Who is Plevin?

Well, in 2014 a Supreme Court ruling held that Mrs Plevin, a customer of Paragon Personal Finance, had been treated unfairly because she wasn't told about the extortionate amount of commission (71.8%) taken from her PPI payment.

Mrs Susan Plevin had borrowed £34,000 from Paragon Personal Finance through a broker. She paid an additional £5,780 premium for a PPI policy and was not told that commission had been paid on the deal. It was only later she found that just over £1,600 of her premium had been spent on the policy and the rest had gone in commission.

So, she took them to court. Mrs Plevin's claim went all the way to the Supreme Court which eventually ruled she was owed compensation because the failure to disclose the size of the commission package meant the relationship between her and Paragon Personal Finance was unfair.

Following the Supreme Court decision in Plevin v Paragon Personal Finance Limited in 2014 the FCA introduced a new rule, known as the Plevin ruling, for PPI claims where banks and other finance providers also had to consider complaints about commission they earned from the sale of PPI.

PPI Claims - Before and After the Plevin Ruling

  • Before Plevin: PPI compensation was paid only if the company had sold you a policy that didn't suit your situation such being self employed or having a pre-existing medical; added to your agreement without your knowledge or if they had lied and pressured you saying it was compulsory when it wasn’t.
  • After Plevin: Now, simply having had a PPI policy means there is a significantly high chance you could be entitled to receive some money back. This landmark ruling and subsequent Plevin related cases means many more millions are now able to recover the PPI premiums with interest from their bank or lender. Because the two types of claims are completely different, the 2019 PPI deadline does not apply to Plevin cases.

'Plevin' has opened up a new claim route for millions of people who didn't think they had been mis-sold, missed the PPI deadline or had their claims rejected.

The Financial Conduct Authority (FCA) hoped the PPI deadline would bring the scandal to an orderly conclusion and offer protection to consumers while helping to restore market integrity. The banks hoped it would enable them to draw a line under it and move on. But the situation seems to be getting worse once again. Banks & lenders are facing a second wave of PPI payouts and they are desperate to stop it!

The problem now comes in the form of unfair commission payments.

PPI commission rates were deemed to be unfair for two main reasons:

  1. They were too high and or;
  2. They were kept secret.

Recent Plevin related Court Ruling 2021

Potter v Canada Square Judgment

The case of Canada Square Operations Limited v Beverley Potter [2021] brought a degree of clarity to the issue of limitation points in Plevin Litigation. This judgment was welcomed by law firms, claims management companies and claimants alike as it strengthened the claimants’ argument that these claims should not have a limitation period applied to them due to the concealment of PPI commission levels. This meant that claims are no longer confined to a six-year limitation period from when your credit card/loan/mortgage ended.

Read about Potter v Canada Square Case


Have you been Plevined?

As the Martin Lewis, Money Saving Expert website states, “A new rule means just having had PPI means you are due money.”

'Plevin' is a claim based upon the lender’s unfair failure to disclose that it received high levels of commission from the sale of the PPI to you. This means that if you had taken PPI with any credit agreement(s) including a loan, mortgage, credit card or even an overdraft from a bank or building society, you may be able to claim.

So instead of the hearing the words "Have you been mis-sold PPI?" with the Plevin ruling this means that just by simply having had PPI, whether you wanted it or not, it's quite likely that you you could have a Plevin claim.


The Plevin Ruling

The FCA’s interpretation of the Plevin ruling meant that if more than 50% of your PPI's cost went as commission to the lender (or jointly to the lender and the broker/adviser) without it being disclosed or explained to you, you are due a refund of anything above the 50%.

The lender has to refund this portion of PPI commission back to you regardless of whether its was paid for in one lump sum or monthly premiums. The 50% is what is referred to as the 'tipping point' in Plevin based PPI claims.


Average Commission charged on PPI

With an average PPI commission taken by banks & lenders as commission from insurers at a staggering 67% of the premium, and rarely mentioned to the customers at the point of sale millions are eligible reclaim PPI commission compensation.

Who can claim under the Plevin ruling?

You can make Plevin PPI claim against your bank or finance provider if:

Over 50% of your PPI premiums were paid in commission to the bank or lender, which was not disclosed to you. This effectively means that under the 'Plevin' ruling you may have an Unfair Relationship claim

Your PPI claim was rejected without any compensation awarded

You've never previously complained or made a claim about your PPI policy, or

You started processing your PPI complaint after August 2017 but it did not continue and you didn't receive a full refund

Which Type of PPI Cover did you have?

PPI policies were sold with many types of credit by banks and finance providers. Select the type of PPI cover you had and start your FREE Plevin Check to find out if you are eligible to reclaim any undisclosed high commissions you paid on your policy.

Ready to Start Your Plevin Claim?

To find out if you're eligible to make a commission claim start your FREE Plevin PPI check with MoneyPlus Legal. We'll check your finance agreement(s) & associated PPI policies to establish if you have a valid claim against your bank or finance provider.

MoneyPlus Legal Plevin PPI Service:

  • 100% Free - No obligation Plevin PPI check!
  • Operates on a No-Win, No Fee Basis*
  • No Upfront Fees Required
  • Fully Regulated by the SRA

How we can help with your Plevin PPI Claim

MoneyPlus Legal is a Plevin PPI Claims specialist, whose core focus is on helping consumers who were sold PPI to use all available and possible options to obtain a legal remedy for compensation of undisclosed & high commission from the finance provider.

If you’re unsure whether you are eligible to make a claim under the Plevin ruling please don't worry as MoneyPlus Legal will always conduct a full review of all your PPI credit agreement(s) to establish whether there is a case for unfair relationship.

MoneyPlus legal will use their specialist 'Plevin' PPI claims experience to investigate, negotiate and settle any claim as quickly as possible. Our Plevin PPI Check and claim service is simple and completed on a no win no fee basis* and you will be kept informed throughout the claim process.

The Plevin Claims Process

Step 1

Start Your Free
Plevin PPI Check

MoneyPlus Legal will call you to discuss your potential claim, confirm some details & explain the next steps to progress your claim.

Step 2

Sign & Return Our Pre-Filled Forms

MoneyPlus Legal will send out a claim pack with letter of authority to sign & return back so they can start your Plevin PPI check.

Step 3

Your Plevin Claim Eligibility Checked

MoneyPlus Legal will contact the lender(s) to ascertain how much commission was charged on your PPI policy & eligibility for a refund.

Ready to Start Your Plevin Claim?

To find out if you're eligible to make a commission claim start your FREE Plevin PPI check with MoneyPlus Legal. We'll check your finance agreement(s) & associated PPI policies to establish if you have a valid claim against your bank or finance provider.

MoneyPlus Legal Plevin PPI Service:

  • 100% Free - No obligation Plevin PPI check!
  • Operates on a No-Win, No Fee Basis*
  • No Upfront Fees Required
  • Fully Regulated by the SRA

Find out if you are eligible to make a Plevin claim with MoneyPlus Legal. is a trading style of MoneyPlus Legal. MoneyPlus Legal is authorised and regulated by the Solicitors Regulation Authority. SRA Number 428794.
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Start FREE Plevin PPI Claim Check
Your lender may have charged unfair commission on your PPI policy, incorrectly rejected your PPI claim previously, or miscalculated your redress payment and you may be due a refund. To find out if you are eligible to reclaim under the Plevin ruling, complete your contact details below & we'll be in touch to start your no obligation Plevin PPI check.


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Potter has the potential to impact on all types of credit claims!

A new PPI court ruling in April 2021 revealed how the banks used YOUR MONEY to earn hefty commissions for themselves.

Strangely, they forgot to mention the secret commissions they kept when the original PPI rulings came out.

Now the courts have said that any commission they have earned by selling PPI policies is potentially YOURS.

This ruling saw the complainant awarded £7,953.53 in compensation for the commission alone. This includes fees and interest that accrued over the years.

And it’s estimated that other people who had PPI policies will be owed from £1000s in compensation.

We can find out if you’re owed money – for free! Just fill out the ‘Start a FREE Plevin PPI Check’ and we will call you back.

Potter v Canada Square Case

In Potter v Canada Square, the Lender [Canada Square Operations Ltd, formerly Egg Banking plc] accepted that the non-disclosure of commission caused unfairness in the relationship; however, it defended the claim on the basis that it was issued outside the widely accepted six-year limitation period.

Mrs Potter’s legal team invoked Section 32 of the Limitation Act 1980, which extends the limitation period due to the deliberate concealment of commission levels by the lender.

Canada Square Operations Limited v Beverley Potter judgement [2020] EWHC 672 (QB)

What the press said?

Millions more customers can now make new PPI claims – could you get up to £40,000?.

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