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EXPIRED 29th Aug 2019

PPI Claims: High Commission Level – Plevin Ruling

The Payment Protection Insurance (PPI) mis-selling scandal has been in the headlines for some time now and the deadline for customers to put their claims was 29 August 2019.

While many customers have had their complaints upheld, many others have not. These customers now need to go back and check their paperwork or go back to their lenders and ask about the level of commission they have been charged on the PPI policy.

What is Commission?

Commissions can be defined as a reward paid to a bank or other provider by an insurer for the sale of PPI. If you had PPI, the money for this commission would come out of the payments you made for the policy.

What is High Commission?

A ‘high-level of commission’ means it was more than half of what you’ve paid for your PPI policy.

What you probably won’t know what percentage of your PPI premium was the commission element of your PPI policy. The commission would have been paid to the bank or broker instead of the full amount going to towards paying for the insurance.

New rules and guidance were published by the FCA in March 2017 outlining how PPI complaints were to be dealt with after a Supreme Court ruling, Plevin v Paragon Personal Finance.

As a result of the Plevin ruling, you may be able to put in a complaint about the level of commission paid for a PPI policy which was not disclosed to you at the time of sale. If the level of commission was too high you may be entitled to compensation regardless of whether or not you were mis-sold the PPI.

Plevin Ruling

Read about Plevin v Paragon Personal Finance 2014 where the complainant won her appeal case for mis-sold PPI and high commission in the Supreme Court (the highest appeal court in England).

Doran Decision

Read about Doran v Paragon Personal Finance 2018, a County Court decision there a District Judge awarded the claimants all of their high commission payments back plus interest.

PPI & High Commission Levels – Latest Developments

PPI Deadline



The PPI deadline has now passed and we are no longer accepting any new PPI claims.

Please be assured, if you have already enquired about a PPI Claim with Money Management Team Limited we are processing your enquiry and will update you as your claim progresses. If you need an update in the meantime, please contact us.

You can pursue your own claim direct to the firm to obtain a refund. You can do this for yourself at no cost and then use the Financial Ombudsman Service or Financial Services Compensation Scheme (FSCS) which are both FREE.

£Millions Remain Unclaimed!

Important Information

Please Note: Your PPI Claim starts with a Free PPI Check service. Our PPI Claim fee of 20% + VAT (so 24% of the total redress offered by your lender) is payable if your claim is successful. That means if we don’t recover you anything, you don’t pay us a penny.

You can submit a claim directly to the lender yourself for no charge. You can also approach the Financial Ombudsman Service and Financial Services Compensation Scheme for free to review your case, providing it falls within their remit and you have approached your lender first.


PPIClaims.com is a trading style of Money Management Team Ltd. Money Management Team is a member of the Professional Financial Claims Association (PFCA).
We comply with the PFCA Code of Practice


Deceased Persons

If a PPI policyholder is deceased, any money owed to them becomes part of their estate, so whoever inherits the estate is entitled to make a PPI reclaim. This can be done by an executor or the person appointed to carry out their wishes after death. We automatically assume that reclaiming mis-sold Payment Protection Insurance (PPI) for deceased parents and grandparents may not be possible due to the passage of time.

However, the truth of the matter is it is quite straight forward to make a successful claim for mis-sold PPI for someone who is deceased.

The PPI deadline (29th August 2019) set by the FCA has now passed and we are no longer accepting any new PPI claims.

Armed Forces Personnel & PPI

Armed Forces PPI

Armed forces personnel have cover for sickness, accident & unemployment built into their salaries. This protection means that if a member of the armed forces was unable to work due to one of these reasons, they would still be able to meet any mortgage, loan or credit card repayments they had. So any PPI insurance policies would NOT have been appropriate.

As the PPI deadline (29th August 2019) set by the FCA has now passed and we are no longer accepting any new PPI claims.

Business PPI Check and Claims

Business PPI Claims - Mis-sold Payment Protection Insurance

Business PPI - Like most consumer PPI policies, business PPI also know as commercial PPI was sold alongside secured and unsecured loans, overdrafts, credit cards and mortgages. Business Loan Repayment Insurance is a type of insurance policy sold alongside commercial loans, including Fixed Rate Loans, Variable Rate Loans and Treasury Loans. If you had a commercial or business loan between 1988 and 2014 you may be eligible for a PPI refund.

The PPI deadline (29th August 2019) set by the FCA has now passed and we are no longer accepting any new PPI claims.