What is a Plevin Claim?

A Plevin claim is named after a landmark case involving Susan Plevin and Paragon Personal Finance Ltd. This case led to a ruling that undisclosed high levels of commission on Payment Protection Insurance (PPI) made the sale of the policy unfair. Essentially, a Plevin claim arises when you've paid for PPI and more than 50% of the cost was used as commission, and this was not clearly disclosed to you.

PPI was often sold alongside loans, mortgages, and credit cards to cover repayments in case you were unable to due to sickness, accident, or unemployment. However, many customers were not made aware of the significant commission fees involved, leading to potentially unfair and inflated costs.

Do You Qualify for a Plevin Claim?

You may qualify for a Plevin claim if:

• You've taken out a loan, mortgage, or credit card with PPI attached.
• More than 50% of the PPI cost was paid as commission to the lender, and you were not informed about this commission.
• You have not previously made a successful PPI claim.

Please note, even if you were previously rejected for a PPI claim, you might still be eligible for a Plevin claim if the high level of commission was not disclosed to you.

Mis-Sold Pensions - Secure Your Financial Future

Pension mis-selling happens when a pension, annuity, or investment product is sold without providing accurate, clear, or complete information. This could include not fully explaining the potential risks or costs, pushing you towards unsuitable investments, or advising you to switch pensions without justification.

These financial decisions can have a significant impact on your retirement, and if they were made based on poor or misleading advice, you have a right to claim compensation.

Do You Qualify for a Mis-Sold Pension Claim?

You may qualify for a mis-sold pension claim if:

• You were not provided with complete or accurate information about your pension scheme.
• You were not clearly informed about the potential risks.
• You were advised to transfer your pension without a comprehensive understanding of the implications.
• The pension plan you were sold was unsuitable for your circumstances and needs.

Please note, these situations can apply to personal pensions, self-invested personal pensions (SIPPs), and small self-administered schemes (SSAS).

Personal UK Tax Refunds - Recover Your Overpaid Taxes

If you have paid more tax than you owe, you could be eligible for a tax refund. The UK tax system can be complex, and it's not uncommon for individuals to overpay on their taxes due to changes in personal circumstances, incorrect tax codes, or other errors.

Whether you're an employee, a self-employed worker, a student or even a foreign national working in the UK, there are various circumstances under which you could claim a tax refund.

Do You Qualify for a Personal UK Tax Refund?

You may qualify for a Personal UK Tax Refund if:

• You were on an emergency tax code or your tax code was incorrect.
• You had multiple jobs and overpaid on tax.
• You stopped working partway through the tax year.
• You were made redundant and overpaid on tax.
• You were charged the Scottish rate of income tax when you live in the rest of the UK, or vice versa.
• You are a non-resident and overpaid on tax.
• You've overpaid on tax on pension payments.

Please note, these are just a few examples of when you might be owed a tax refund. Each individual case can vary, and it's always best to seek expert advice.