What type of purchases could have been involved with Plevin PPI?

Image of someone using a laptop and credit cards to make purchases online.

Payment Protection Insurance (PPI) was once widely sold alongside loans, mortgages, and credit cards, promising to protect borrowers in case they couldn’t make repayments due to unforeseen circumstances. However, a significant scandal erupted when it was revealed that millions of PPI policies were mis-sold to consumers, often without their knowledge or understanding. One particular aspect of the PPI scandal involves Plevin PPI, which relates to undisclosed high levels of commission earned by financial institutions. In this blog post, we will explore the types of purchases that could have involved Plevin PPI and shed light on the implications for consumers.

Understanding Plevin PPI

Plevin PPI refers to a legal ruling in the United Kingdom that emerged from a court case involving Mrs Susan Plevin, a retired lecturer. The ruling determined that if more than 50% of the PPI premium paid by a customer went towards commission and the customer was not made aware of this, they could be eligible for compensation. The rationale behind this ruling was that consumers should have been informed of the high level of commission, as it could have influenced their decision to purchase PPI or seek alternative insurance products.

Types of Purchases that Could Involve Plevin PPI

Personal Loans

PPI was often sold alongside personal loans, where borrowers would take out credit to fund various personal expenses. Many consumers who obtained personal loans during the PPI mis-selling era might have been affected by Plevin PPI. If you purchased PPI with a personal loan and were not informed about the high level of commission, you might be eligible for compensation.


PPI was also commonly associated with mortgage loans. If you took out a mortgage and were sold PPI without being adequately informed about the commission structure, you could potentially have a Plevin PPI claim.

Credit Cards

Credit card providers often offered PPI as an optional add-on to their customers. If you had a credit card during the PPI mis-selling period and were not informed about the high commission involved in the PPI policy, you might be able to make a Plevin PPI claim.

Car Finance

Consumers who financed the purchase of a car through hire purchase agreements or personal contract purchase (PCP) agreements could also have been sold PPI alongside their car finance. If you purchased PPI with your car finance and were not adequately informed about the commission structure, you may be eligible to make a Plevin PPI claim.

Store Cards

Store cards, which offer credit to customers for purchases within a specific retail chain, often included PPI as an add-on product. If you had a store card and were sold PPI without being made aware of the high level of commission involved, you might have a potential claim under Plevin PPI.

The Plevin PPI ruling has provided an avenue for consumers to seek compensation if they were not properly informed about the high commission levels associated with their PPI policies. If you have ever purchased PPI alongside personal loans, mortgages, credit cards, car finance, or store cards and were not made aware of the commission involved, it is worth investigating whether you have a valid Plevin PPI claim contact us directly to understand your rights and explore the possibility of compensation. The Plevin PPI ruling has provided some measure of justice for those affected by the PPI scandal and serves as a reminder of the importance of transparent and fair practices within the financial industry.

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