What is a Plevin Claim?

A Plevin (Susan Plevin against Paragon Finance in 2014) or PPI2 Claim is a claim that does not consider whether the PPI policy was suitable and potentially mis sold, rather instead we examine to see if the lender failed to disclose high-levels of commission payments they earned from PPI premiums, making the relationship unfair.

According to the Financial Conduct Authority (FCA) the average commission charged by lenders was 67% *


The consumer credit act regulates consumer credit and consumer hire agreements, it is the law that gives consumers protection on purchases and sets out how credit should be marketed and managed. Section 104a specifically refers to 'unfair relationships between creditors and debtors', this is the basis on which we make the claim. It's called a Plevin claim on the back of a claim that was brought about by Susan Plevin against Paragon Finance in 2014 around the basis that the levels of commissions charged ( 71% ) were completely unfair.

When the matter was considered by the Supreme Court in the leading Judgment, Lord Sumption held that the non-disclosure of commission was a source of unfairness by reason of ‘sufficiently extreme inequality of knowledge and understanding’. He stated that there is a tipping point where commission becomes so excessive that it renders the relationship between the borrower and lender unfair.

From August 2017 the Financial Conduct Authority (FCA) ruled that any amount of commission from PPI policies of over 50 per cent was mis-selling, according to the Regulator the average commission was 67%, how ever some banks take over 90% of the entire cost of the PPI premiums as commission. Claims that were submitted against banks and lenders without considering the amount of commission paid or previously rejected could all qualify under the new ruling.

*FSA Consultation paper CP15/39

Some of the banks we can reclaim PPI from using a Section 104a claim based on 'unfair relationships between creditors and debtors ',:

Here's what our customers have to say...

  • 9th June 2012

    "Great service, would use again and recommend to anyone. Received more than I thought. Would not have got this amount if it wasn’t for the work FRS did on my behalf. Thank you."

    Mr. S Johnson - Halifax



  • 11th April, 2014

    "I never would have dreamed that the bank I had been dealing with would have 'pulled a fast one'."

    Mr D Davies - Barclays



  • 27th May, 2014

    "You have dealt with a lot of claims for me which has been very helpful in improving the standard of living that I have."

    Mrs B Mould - Lloyds Bank



  • 2nd February 2013

    "Very grateful for what you have achieved for me, I would never have done this myself. Thank you very much."

    Mrs. S Walsh



  • 27th August 2014

    "I wasn’t going to bother, but I’m glad I did. Everything was sorted very quickly, excellent communication. Very pleased."

    Mrs. M Berrecloth



  • 19th November 2014

    "For all the staff at at FRS a big thank you for everyone’s help in supporting me through my claims. I found it relaxing and not stressful, it’s greatly appreciated. A big thank you to you all."

    Mrs. P Goddard - MBNA



  • 20th July 2014

    "The service we received from FRS was first class. The staff are very friendly and extremely efficient."

    Mr & Mrs Lavin - Halifax



  • 7th March 2015

    "I found FRS to be very good they kept me informed at all times. They treated you very well and when I phoned them the service and information were easy to understand. I would rate this company at 10 out of 10"

    Mr. J H Robinson - Barclays



  • 7th July 2014

    "I'd never wanted the hassle of dealing with the banks but FRS took all the pain away!"

    Miss M Hayward - Lloyds



  • 20th July 2015

    "From the start to the end of the process, the whole experience of dealing with FRS was first class. I would recommend them 100%"

    Mr. A Owen - Lloyds



  • 28th October 2015

    "Was such a large amount and what a great service. Never did I think I would get back so much money. And it was so easy. Thank you all at FRS. A very big thank you."

    Mr. M Grundill



  • 4th February 2015

    "You have handled the case very professionally with superb correspondence and an excellent outcome, what more can I say, very pleased. Thanks."

    Mr. & Mrs. King



All figures above show amount calculated after deduction of taxes and fees