Still Owed PPI Compensation? Plevin Claims in 2025 Explained

 



When the official PPI claim deadline passed on 29 August 2019, many UK consumers thought their chance to recover money from mis-sold insurance was over. But what most people don’t realise is that a different kind of claim, known as a Plevin claim, is still open in 2025.

If you ever had a loan, credit card, or finance agreement that included Payment Protection Insurance (PPI), you could still be owed compensation, even if you already made a claim before.

Here’s everything you need to know about Plevin claims, why they’re still valid, and how Consumer Rights Solicitors (CRS) can help you get back what’s rightfully yours.

What Is a Plevin Claim?

A Plevin claim comes from a 2014 Supreme Court case, Plevin v Paragon Personal Finance Ltd. The court ruled that if a lender charged a high commission (over 50%) on a PPI policy and didn’t tell the customer, that created an unfair relationship under the Consumer Credit Act.

In simple terms, it means banks and lenders took a big cut of your insurance premiums without being upfront about it, and you can now ask for that money back.

Traditional PPI vs. Plevin: What’s the Difference?

Traditional PPI claims (now closed) focused on whether the insurance was mis-sold. For example:

  • You didn’t need or qualify for PPI.

  • You were told it was compulsory.

  • You didn’t even know you had PPI added.

These claims had to be made before the FCA’s August 2019 deadline.

Plevin claims, on the other hand, are different. They’re about fairness and transparency, not mis-selling.
If your lender kept quiet about earning massive commissions from your policy, you can still make a claim, even after 2019.

Can You Still Make a Plevin Claim in 2025?

Yes, you absolutely can.

The Financial Conduct Authority (FCA) and the Financial Ombudsman Service (FOS) both confirmed that Plevin-related compensation remains open beyond the 2019 deadline.

That means if your lender didn’t tell you about a high commission fee on your PPI, you can still pursue a refund, even if your original PPI claim was rejected or partially paid.

In fact, the FOS continues to uphold Plevin cases in 2025, proving that many consumers are still winning compensation today.

Who Can Claim a Plevin Refund?

You might be eligible if:

  • You had PPI attached to a loan, credit card, or finance agreement.

  • Your lender or broker didn’t disclose how much commission they took.

  • The commission was more than 50% of the PPI cost.

  • You haven’t already received compensation for this specific issue.

Even if you don’t have all your old paperwork, Consumer Rights Solicitors (CRS) can help retrieve your information directly from lenders.

To make things easier, you can start with CRS’s free eligibility check, it takes just a few minutes to find out if you qualify.

Why Choose CRS for Your Plevin Claim?

You could try to handle your claim yourself, but many people prefer professional help, especially when it comes to complex financial cases.

Here’s why Consumer Rights Solicitors (CRS) is a trusted choice:

1. Regulated Legal Experts
CRS is fully regulated by the Solicitors Regulation Authority (SRA), meaning your claim is handled by qualified professionals, not generic claims companies.

2. Proven Experience in PPI & Plevin Cases
CRS’s legal team specialises in financial mis-selling and has already helped thousands of clients recover unfairly charged commissions.

3. No Win, No Fee Promise
With CRS, you only pay if your claim is successful.

  • No upfront costs

  • No hidden fees

  • No risk, if you don’t win, you don’t pay.

It’s a completely stress-free way to reclaim what you’re owed.

Time Limits Still Apply : So Don’t Wait

Although Plevin claims remain open in 2025, there are still legal time limits to be aware of.

Generally, claims should be made within:

  • 6 years from when the PPI was sold, or

  • 3 years from when you first became aware of the hidden commission.

However, recent rulings such as Canada Square v Potter (2023) have extended these timelines, especially for consumers who only recently found out about the issue.

So even if your policy dates back many years, you might still have time to claim, but it’s important to act quickly.

Reclaim Hidden PPI Commissions in 2025

The 2019 PPI deadline closed one chapter, but Plevin claims opened another. Many people across the UK are still discovering that their lenders pocketed large, secret commissions on PPI policies sold years ago.

If this happened to you, you could be owed hundreds or even thousands of pounds in refunds.

Take the Next Step with Consumer Rights Solicitors

Don’t assume your chance to claim is gone. If you ever paid for PPI, there’s still time to find out whether a Plevin claim could recover the money you deserve.

Let Consumer Rights Solicitors (CRS) guide you through the process, quickly, clearly, and on a No Win, No Fee basis.

Start your Plevin claim today and see how much you could recover in 2025.

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