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Plevin or Section 140 Claims

Plevin or Section 140 Claims

Up until 2006, a consumer agreement could be deemed unfair basically in light of how it affected the consumer. If he or she had been treated unfairly as a result of that agreement then something could be done about. In 2006, however, a ruling was made that wrongdoing may have occurred if the size of the commission was too large. This ruling was more than timely, with some agreements bringing 70% or more in commission for those involved.

A landmark case, now known as the Plevin case, happened in 2014, when a retired lecturer named Susan Plevin challenged and won a legal action with Paragon Finance. The judge ruled that because Mrs Plevin had not been informed about the whopping 71% commission that came with her policy then therefore it had been mis-sold to her.

In many ways, this has been a game-changer, and since 2014 we at Beat the Banks have handled many cases that were as a result of the Plevin ruling. We continue to fight for justice on behalf of our customers, so if you feel you may have a case we’d like to hear from you. Just call 0800 193 1234 for a friendly, no obligation chat.

PPI was mis-sold to people on a regular basis that for many companies became a routine strategy that brought in huge profits. It may be that your PPI was sold to you without you even knowing, or that you were told you had to have it, or that you were saddled with it even though it was completely inappropriate to your needs. During the stampede for profits, common sense and fair play soon feel by the wayside.

Commission above 50%? You may have a claim

Since the Plevin case, the FCA took up the mantle and ruled that people can now claim if the PPI sale involved an unfair commission. As a guideline for such cases, commission above 50% is now deemed as unfair. This means that in many instances the amount of money that can be claimed in compensation can be more than significant.

If you’re wondering whether you might be eligible, you need to think about three specific factors:

• Did your agreement start before April 2007 and was it still open after April 2008?
• Did you take out cover after April 2007?
• Has a previous claim been turned down by both the provider and the Ombudsman?

If you fall into these categories, we’d like to hear from you.

PPI may have been applied to mortgages, credit cards, store cards, catalogue accounts and a number of other financial products. If it was mis-sold to you in the past, something needs to be done about it. It was never right that the banks, building societies and other credit providers made millions in profits by selling you something you didn’t want or didn’t need

The PPI scandal affected a huge number of people in the UK, and if you think you were one of them you can contact our knowledgeable and friendly team today. Simply use the contact form or call us on 0800 193 1234. The path to justice is ready and waiting for you.

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