Question 9 of 12 about PPI complaints information

What is PPI commission?

A percentage of what you paid for your PPI premium may have been commission. This would’ve been payable to the bank or broker, rather than the whole amount going towards paying for your insurance.

The Supreme Court made a ruling in 2014 in the case of ‘Plevin’ (Plevin vs. Paragon Personal Finance Ltd.). Mrs Plevin had been sold a PPI policy but was not told that a high percentage of the premium was paid in commission. The Court ruled that this made her relationship with her lender unfair under section 140A of the Consumer Credit Act 1974.

Following the ruling, the FCA set out guidelines on how banks should investigate and correct PPI commission and has defined high commission as being more than 50% of the cost of the PPI premium.

You may be affected by PPI commission if

  • You weren’t told about commission
  • The commission paid was more than 50% of your premium
  • Your credit agreement was covered by section 140A of the Consumer Credit Act 1974

Making a complaint about PPI commission

We've set up a simple and easy way to complain about commission on your PPI policy. Just register your complaint online and we'll investigate whether you were charged a high level of commission.

If you’ve never made a complaint to us about PPI, you should do that first using the PPI complaint form, so we can investigate your complaint fully. If you have previously made a complaint to us about PPI on a product you had with us, you should use the PPI commission form.

  • Online

    The easiest way to make your complaint is to use the PPI commission form. You can’t save your progress, so you’ll need to complete it in one go. It’ll take around 5 minutes.

  • By phone

    Please call us on one of these numbers and select option 1:

    From a UK mobile or landline: 0800 282 3901

    From abroad: +44 20 7116 74881

    Lines are open 24 hours, every day.

  • By post/In branch

    Please download and print our PPI commission complaint form and fill in your details.

    Take your completed form to a branch, or post it to:

    FREEPOST Barclays PPI Complaints