Is My PPI Claim Time-Barred If the Policy Ended Years Ago?

Thank you for explaining this. It sounds like you believe the bank's failure to disclose a large commission on your PPI policy was unfair, and the key dispute is whether your claim is still within the time limit. Can I check — when exactly did your credit card agreement end? And have you already contacted the bank formally about this?

Here is the legal position: Under Sections 140A–140C of the Consumer Credit Act 1974, a court may make an order if it determines that the relationship between a creditor and debtor is unfair to the debtor. **The commission issue:** - Non-disclosure of a large commission (over 50% of premiums) on a PPI policy can create an "unfair relationship" under the Act - The creditor has a duty to take reasonable steps in the interests of fairness, such as disclosing the commission **The limitation question:** - The bank's argument is that your claim is time-barred because the PPI policy ended more than six years ago - However, the legal position established by the Supreme Court is that time for limitation purposes runs from the date the **credit relationship** ends, not from the date the PPI policy ends - Since your credit card agreement ended about four years ago (less than six years), your claim is **not time-barred** under Section 140A **Your options:** - You may bring a claim under Section 140A arguing the undisclosed commission made the credit relationship unfair - The bank may be required to repay part of the commission - If the bank has rejected your complaint, you may refer it to the Financial Ombudsman Service (FOS) for free For free advice, contact Citizens Advice or the Financial Ombudsman on 0800 023 4567. *This is legal information, not legal advice. For advice specific to your circumstances, consult a qualified solicitor.*