Compensation Opportunities

Pension Claims

Plevin PPI Claims

Car Finance Claims

Data Breach Claims

Mis sold pension claimsPlevin Compensation ClaimsMis sold car finance claimsData Breach GDPR Claims

Essentially, a mis-sold pension is any kind of pension scheme in which you were persuaded to invest, which involved taking your money out of safe investments to put into a risky or unregulated alternative. These ‘transfers’ are typically sold with the promise of incredible returns and a comfortable retirement. But, in truth.....

Plevin refers to a Supreme Court case from 2014. Mrs Plevin was sold a PPI policy to cover her secured Loan from Paragon Personal Finance Ltd. Mrs Plevin became aware that 71.8% of the premiums she had paid under her PPI policy were actually a commission payment to her Lender and she alleged that this was unfair....

Did you receive poor/little advice on finance options? Were you made aware that you were paying for the commissions paid to the Dealership by the Finance Provider? If you were not provided different finance options to find the right or fit for you then you could be able to make a claim for compensation....

When personal data is provided to a business or organisation, they have a responsibility to ensure that it is securely held, remains private, is accurate, and is not leaked either intentionally or unintentionally to unauthorised persons. When sensitive or confidential data is copied, stolen, viewed, transmitted or used without permission, this amounts to a data breach for which you could potentially make a claim.....

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Mis sold pension claims

Essentially, a mis-sold pension is any kind of pension scheme in which you were persuaded to invest, which involved taking your money out of safe investments to put into a risky or unregulated alternative. These ‘transfers’ are typically sold with the promise of incredible returns and a comfortable retirement. But, in truth, they can lead to devastating financial consequences for an individual. There are various types of potential pension claims:

1. Self-invested personal pensions (SIPP). Many SIPP providers invested in high-risk and under-performing investments which have higher annual charges and can be impossible to sell on. SIPP operators have been heavily criticised for their lack of due diligence and failing to conduct sufficient background checks on product providers. This has led to many complaints, against both the financial advisors and the SIPP operators – and if you’ve been misled in this way, you could be eligible to make a mis-sold pension claim.

2. Final salary transfers. By transferring a final salary pension, you lose any guaranteed benefits as well as risk losing the money in your pension pot. If you’ve been wrongly advised to do this, you may be entitled to mis-sold pension compensation.

3. Small self-administered scheme (SSAS). This type of pension scheme is usually set up by non-regulated entities (e.g. sales agents, alternative product providers) to hold high-risk and illiquid investments. Transfers to a SSAS are often made with the intention to avoid stringent safeguarding regulations. However, if you can provide proof that a regulated financial advisor incorrectly advised you to move to an SSAS, you may be eligible to make a mis-sold pension claim.

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Plevin Compensation Claims

Plevin refers to a Supreme Court case from 2014. Mrs Plevin was sold a PPI policy to cover her secured Loan from Paragon Personal Finance Ltd. Mrs Plevin became aware that 71.8% of the premiums she had paid under her PPI policy were actually a commission payment to her Lender and she alleged that this was unfair. The Supreme Court agreed with Mrs Plevin, and stated that the relationship was unfair due to: Non-disclosure of the commission payment; and The percentage of the PPI premium that was paid as commission. Whilst a Plevin PPI Claim is made in respect of the sale of a PPI policy, the basis of the Claim is different to a Mis-sold PPI Claim. A Plevin PPI Claim does not consider whether the PPI policy was suitable, but whether your Lender failed to disclose high-level commission payments they earned from your PPI premiums, making the relationship unfair. Although the PPI deadline has passed, Plevin PPI Claims are not subject to a deadline. This is because the Claim is based on a different area of law, namely the Consumer Credit Act 1974.You could be eligible to make a Plevin PPI Claim if: Your PPI policy was sold before 6 April 2007 and open after 6 April 2008, or sold after 6 April 2007 (whether or not it was still open after 6 April 2008); You have not previously complained about Mis-sold PPI; You have had a PPI Claim rejected; or You had a refund for the ‘Plevin only’ part of your PPI (a ‘tipping point offer’).

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Mis sold car finance claims

Did you receive poor/little advice on finance options? Were you made aware that you were paying for the commissions paid to the Dealership by the Finance Provider? If you were not provided different finance options to find the right fit for you – often resulting in you paying more than you should have or if you encountered unexpected charges at the end of the finance, or if you fell in payment difficulties as the finance was unaffordable, you might be able to claim compensation. If the car dealership did not disclose that they were receiving a commission for arranging your finance agreement with the finance provider you could be entitled to compensation. This is known as a 'Section 140' claim. Both the Dealership and Finance Provider were obligated to be transparent and inform you of the commissions being paid – and it was actually you who was paying this by the way they applied the interest rate.

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Data Breach GDPR Claims

When personal data is provided to a business or organisation, they have a responsibility to ensure that it is securely held, remains private, is accurate, and is not leaked either intentionally or unintentionally to unauthorised persons. When sensitive or confidential data is copied, stolen, viewed, transmitted or used without permission, this amounts to a data breach for which you could potentially make a claim. Credit cards, bank account details, personally identifiable information (such as mailing or email addresses, phone numbers, national insurance numbers), personal health information, intellectual property, are just some examples of information that could amount to a data breach if leaked. Where a data breach occurs this can have an impact financially and also on a person’s reputation, as well as causing unnecessary stress, meaning it is likely that a claim for damages can be made. In a data protection breach compensation case, the claim for monetary damages is split into two parts: General Damages and Special Damages.

GENERAL DAMAGES: this is for any distress, suffering and loss of amenity caused by the data breach. This is to compensate you for how the data breach has affected you personally. Generally speaking, the more private and sensitive the data is, the more the claim could be worth. Different victims can be affected in different ways. How badly the breach has affected you can also make a difference as to how much the claim is worth.

SPECIAL DAMAGES: this covers any losses and expenses caused by the breach. This could be compensation for any financial losses suffered from fraud. This is particularly important for anyone who falls victim to fraud. Special Damages can also cover any expenses for extra protection you may need as a result of a breach. This could include the costs of credit-monitoring services. If the data breach has affected your ability to work then you could claim for lost earnings. In short, any loss that's directly associated with the breach can be something that you may be able to recover damages for. Combined, the General Damages and the Special Damages make up the final data protection breach compensation amount you will be awarded.

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