Debenhams Store card Plevin PPI Commission Claim

Debenhams Store card Plevin PPI COMMISSION ClAIm


PPI has been the biggest financial mis-selling scandal in the world, in which a staggering £38 billion was given back to consumers for mis-sold PPI in compensation by banks & finance providers before the 2019 PPI deadline. However, even after this the PPI scandal is far from over!

The good news is that you can still make new PPI Claims under a new ruling but this time its for undisclosed high commission. This type of PPI claim is separate to the redress scheme that ended in 2019 and is based on the amount of commission you were charged on your PPI policy.

Potter vs Canada Square - Latest ruling April 2021

The case of Canada Square Operations Limited v Beverley Potter [2020] 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 or other finance ended.

Potter v Canada Square Ruling - April 2021

About Debenhams

Debenhams was founded in 1778, by William Clark as a single store in London. In 1813, when William Debenham became a partner, the company's name changed to Clark & Debenham. By 1977, the business had rebranded itself to Debenhams

Debenhams Plc is a British multination retailer, founded in the eighteenth century. There are 178 stores in the UK, Ireland and Denmark.

The Debenhams brand is a household name in the UK and it is very well known for a range of goods, including women, men, and kids clothing, household items and furniture.

Debenhams’ main brands include its trading name Debenhams, and the fashion brands Principles, Faith, Maine, and Mantaray. According to the WIPO IP Portal, there are currently approximately 120 active trademarks including the word ‘Debenhams’ in countries across the globe.

Debenhams is one of the UK high street’s best-known names and is among the top 10 retail websites in the UK, with 300 million visits and £400m in sales in a period of 12 months to August 2020.

Debenhams was one of the main operators of store cards and you could be entitled to compensation if you took out one of their cards which had PPI attached to it.

PPI were often added on store cards and with the average commission charged at 67%, you may also have been charged a high level of commission on your PPI premium(s). If this wasn't disclosed you could be entitled to make a claim for compensation under a ruling known as the 'Plevin' ruling as this constitutes an unfair relationship. However before making any claim for commission, it is important to find out the level of commission you were charged on your PPI policy premium(s).

What is Plevin PPI?

Plevin refers to a Supreme Court case from November 2014 where Mrs Susan Plevin brought a case against Paragon Personal Finance Ltd regarding her PPI policy. The claim was centred around the commission charges on a PPI policy that Mrs Susan Plevin was sold to cover a secured loan from Paragon.

Mrs Plevin later discovered that in small print of the terms and conditions of the PPI policy that a whopping 71.8% of her premium was the amount of commission she was charged by the lender. She alleged that this was unfair and unclear and took Paragon to court and the case went up to the Supreme Court.

The Supreme Court agreed with Mrs Plevin and her lawyers, and determined that the sale of the PPI policy was unfair because of the following reasons:

  1. The commission payment was not disclosed;
  2. The high percentage of the PPI premium that was paid as commission.

This decision set precedent for a new category of PPI claims, and opened the floodgates against banks and other finance firms who had sold PPI to their customers.

With around 64 Million PPI Polices Sold Between 1990 and 2010 there is a significantly high chance that you are eligible for a refund.

How is Plevin different to mis-sold PPI?

Originally the PPI scandal was focused on the mis-selling of PPI and whether the policy was suitable or not at the point of sale. however a Plevin PPI claim's focus is on whether Debenhams took a high-level commission from your store card PPI premium(s) without telling you about it. If  the commission was hidden, or the commission was unfairly high, then this is deemed to be an unfair relationship between the lender and borrower and is eligible for compensation claim.

Plevin claims are based on a completely different area of law, namely the Consumer Credit Act 1974, so they are not subject to the FCA's PPI deadline, hence claims are still being processed today.

Claiming under the Plevin ruling

You could be eligible to make a claim if:

  • Your PPI policy was open after 6 April 2007;
  • You have not previously complained about Mis-sold PPI to Debenhams;
  • Your PPI Claim was previously rejected by Debenhams;
  • Debenhams only refunded you for the “Plevin only” part of your PPI (also known as a “tipping point offer”).

The Plevin ruling means that if more than 50% of your PPI’s cost went to hidden commission to the lender, or the lender and the broker combined, and it was not sufficiently explained to you, you are due compensation.

Had PPI with your Debenhams Store card?

A recent ruling means simply being sold payment protection insurance (PPI) means you're potentially a victim of a different category of mis-selling. Although the PPI deadline has now passed you can still claim back PPI commission from Debenhams.

Debenhams was one of many retailers who operated store cards and If you took out a Debenhams store card between 1990's and 2010 you could be owed money from them.  Debenhams store cards were a type of credit card where you can use them to make purchases in store and pay for them later.

Debenhams Store cards were sold as a convenient line of credit for customers who could not or did not want to pay in full in one transaction. Generally, retail stores made a profit on shoppers who failed to pay off the balance on the card each month, when outstanding balances would attract interest charges of up to 30%.

Debenhams Shoppers who signed up to a store card may have also had a payment protection insurance (PPI) policy attached to it.

With the Plevin ruling and subsequent landmark court cases that have come to light, thousands of people who initially thought they were not eligible to claim may now be eligible to make a claim. This is why many Debenhams customers are checking their store card accounts to find out if they had PPI and whether they could be eligible to make to commission claim under the Plevin ruling.

If your Debenhams store card had a PPI policy and Debenhams took a high-level of commission from your store card PPI premiums without disclosing this to you. Then under the Plevin ruling this is deemed to be an unfair relationship and you automatically become eligible to claim back a PPI commission refund.

Ready To Get Started?

If you believe you could be eligible to make a commission claim under the Plevin PPI ruling please start a FREE PPI Check with MoneyPlus Legal. They'll check your Debenhams store card agreement and contact them to find out if you have a valid claim.

MoneyPlus Legal Plevin PPI Service:

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

Find out if you are eligible to make a high commission claim under the new ruling by starting a Free Plevin PPI Check with MoneyPlus Legal.

How we can help with your Debenhams Store Card Plevin 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.

Our 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.

Find out if you are eligible to make a high commission claim under the new ruling by starting a Free Plevin PPI Check with MoneyPlus Legal.

Find out if you are eligible to make a high commission claim under the new ruling by starting a Free Plevin PPI Check 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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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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Latest PPI Commission Claim Ruling

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.

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.

Read the 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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What is Store Card Payment Protection Insurance (PPI)?

From the 1980’s onwards, consumers were sold store card PPI when they took out store-branded credit cards. Many were unaware that they were sold the product. Others were told that they needed the product, even if it wasn’t suitable for them..

Payment protection insurance allows you to continue paying off your mortgage if you are no longer receiving a secure income. PPI  was attached to loans and other forms of credit such as mortgages, credit cards. catalogue accounts and even overdrafts. It was sold on to both consumers and businesses. With around 64 Million consumers sold Payment Protection Insurance there is significant change you could have been sold PPI if you took out a mortgage.

Even though the PPI claims deadline for mis-sold PPI has now passed, you can still check if there was high commission paid to store card provider when you took out their store card that you were not made unaware of by them.

PPI took many different names so its well worth checking your store card statement, these include:

Accident, sickness and unemployment insurance (ASU)
Account cover
Credit insurance
Credit protection
Loan care
Loan insurance
Loan protection
Loan repayment insurance
Mortgage protection
Mortgage insurance
Mortgage repayment insurance
Mortgage payment protection insurance (MPPI)
Payment cover
Protection plan

Even though the PPI deadline has now passed, you can still check with your bank or lender if a high commission was paid to them with your policy premiums under Plevin ruling.  With around 64 millions policies sold between 1990 and 2010 there is a significantly high chance that you are eligible for a refund.

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