What is Plevin?
The PPI deadline has passed, but you may be eligible to make a claim under the Plevin decision.
It's called 'Plevin' after Susan Plevin, who brought the first case of this kind against the banks. The case initially began as a claim for mis-sold PPI and developed into a landmark court case involving undisclosed commission, which in law to put it simply constitutes an unfair relationship.
She discovered that over 70% of her PPI premium was taken as commissions, and ultimately it was deemed that the creditor's failure to disclose this excessive percentage created and unfair relationship. This opened the door for similar cases to be presented after the supreme court ruled in favour of Mrs Plevin, resulting in her receiving a significant amount of compensation.
Many more people are able to make a claim under Plevin, but it's unlikely they're aware of it. Even if your original PPI complaint was rejected, you may still be eligible to make a Plevin claim.
How is this different from Mis-sold PPI?
Whilst a Plevin PPI Claim is made in respect of the sale of a PPI policy, the basis of the Claim is different to a Mis-sold PPI Claim. A Plevin PPI Claim does not consider whether the PPI policy was suitable, instead we examine whether your Lender failed to disclose high-level commission payments they earned from your PPI premiums, making the relationship unfair.
Although the PPI deadline has passed, Plevin PPI Claims are not subject to a deadline. This is because the Claim is based on a different area of law, namely the Consumer Credit Act 1974.
Am I eligible to make a Plevin PPI Claim?
You could be eligible to make a Plevin PPI Claim if:
- Your PPI policy was sold before 6 April 2007 and open after 6 April 2008, or sold after 6 April 2007 (whether or not it was still open after 6 April 2008);
- You have not previously complained about Mis-sold PPI;
- You have had a PPI Claim rejected; or
- You had a refund for the ‘Plevin only’ part of your PPI (a ‘tipping point offer’).
MLC Case Review Process
Complete the case audit
Your claim gets reviewed
Your claim begins
How can My Legal Claims help?
If you’re not sure whether you are eligible to make a Plevin PPI claim, there’s no need to worry. When representing our clients, we conduct a full audit of their PPI credit agreement to establish whether there is an unfair relationship.
We will use our expertise and experience of Plevin PPI claims to investigate your case. Throughout your claim, we will keep you informed and provide clear, jargon-free advice on all of your options. The process is completed on a no win no fee basis*.
If you want to make a claim, you’re not sure if you’re eligible, or you just want to find out more, please request your case audit below.