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29th Aug 2019

The Plevin vs Paragon Case Summary

Susan Plevin v Paragon Personal Finance 2014 – Plevin, a retired college lecturer, was introduced to Paragon by a broker who assessed her ‘demands and needs’ for PPI. Paragon accepted the business and carried out money laundering checks but did not discuss the suitability of the insurance.

The loan, for £34,000 at 7.3% APR over ten years was regulated by the Consumer Credit Act 1974. The PPI was a single premium policy costing £5780 – 71.8% of this was commission.

Action: Plevin claimed she was mis-sold the PPI as it didn’t meet her needs. She discovered the PPI contained undisclosed high-levels of commission and argued she may not have taken out the policy had she known this as the PPI wasn’t value for money.

The Supreme Court case in June 2014 centred on an ‘unfair relationship’ under the Consumer Credit Act 1974 between her and Paragon regarding the non-disclosure of high commission within the PPI premium.

Outcome: The Supreme Court rule Plevin had been mis-sold PPI and the non-disclosure of commission was as an unfair relationship with the lender. The commission was beyond a ‘tipping point’ but didn’t explain what the limit or starting point of such a tipping point was.


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.


New PPI Claim Rule

You can now complain about commission earned by a provider

You can now make a new type of complaint about the commission a provider earned from the sale of PPI, even if you had a previous complaint about mis-selling PPI was rejected.

Rejected PPI claims can be now be re-opened on a New Legal Ruling

Don't Give Up On What You Could Be Owed Claim Against Undisclosed Commission Rates We Can Re-Open Your Claim‎

Claim back any undisclosed commissions over 50% plus interest