Are you eligible for an unfair
contractual relationship claim?


Payment Protection Insurance (PPI) was designed to cover repayments in certain circumstances where you couldn’t make them yourself. These include if you were made redundant or couldn’t work due to an accident, illness, disability or death.

As many as 64 million PPI policies have been sold in the UK, mostly between 1990 and 2010, some as far back as the 1970s. However, many of these were often mis-sold. For those who have complained about the sale of PPI, £33bn has already been paid back.



The FCA set a deadline of 29th August 2019 for PPI mis-selling claims to be made. Generally, if you didn’t make a complaint to your provider on or before 29 August 2019, you can no longer claim money back for PPI by complaining to providers or the Financial Ombudsman Service.


Plevin vs Paragon

In 2014 a new type of PPI mis-selling emerged: Unfair Contractual Relationships, also known as Plevin.


What is a Plevin case?

Susan Plevin is a retired college lecturer who took legal action against Paragon Personal Finance after she had PPI added to a loan.

During her claim for mis-sold PPI, she also discovered that 71.8 percent of her PPI premium was taken as a commission by the PPI provider, Paragon’s credit broker and Paragon itself. Susan Plevin argued that Paragon’s failure to disclose this commission amounted to an unfair contractual relationship and therefore she should be eligible for significant levels of compensation. The Supreme Court ruled in Plevin’s favour.

The FCA subsequently published guidance that if a lender or broker paid a commission that amounted to over 50 percent of a PPI premium, this would constitute an unfair contractual relationship.


The average commission paid
by lenders to brokers.


The level of commission deemed
unfair by the Financial Conduct Authority


The average amount of commission
paid by lenders until challenged.


The average amount our team
can help you secure in compensation.

owed for financial mis-selling

Are you eligible to make
a PPI+ claim?

You might be eligible for compensation if any of the below applies to you, even if you have already claimed PPI or had a PPI claim dismissed:

  • High Commission Levels
    Is your provider, broker or finance company earning more than a 50% commission on your PPI policy sale?
  • Undisclosed Commission
    Were you unaware of the commission being paid on your policy at the time of purchase, even if you were aware of the PPI itself?

If any of these scenarios ring true then you might have a similar case to Susan Plevin and could be eligible to make a claim. Get in touch via our contact form or give our qualified solicitors a call to tell us more about your situation and get legal support.