Secret Commission Claims

Understanding Secret Commissions

Secret commissions refer to undisclosed payments made by a lender to a broker or intermediary involved in arranging a financial product, such as a motor finance agreement. These commissions are often hidden from the consumer, creating a lack of transparency in the lending process.

The Plevin Court Case

The Plevin case, named after Susan Plevin, brought attention to the issue of undisclosed commissions in the finance industry. In 2014, the UK Supreme Court ruled in favor of Ms. Plevin, stating that she was entitled to claim back the undisclosed commission paid to her lender. The court held that the non-disclosure of a large commission percentage (71.8%) constituted an unfair relationship under the Consumer Credit Act.

The Smith v RBS [2023] UKSC 34

The Smith v RBS case further clarified the implications of the Plevin ruling. In this case, it was established that if the commission paid to the broker exceeded the amount that the consumer reasonably expected, and this was not disclosed, it could render the relationship between the lender and the borrower unfair. The ruling affirmed the principle that undisclosed commissions can undermine the fairness of consumer credit agreements.

Implications for Motor Finance

Both the Plevin and Smith v RBS cases have significant implications for consumers seeking to challenge the fairness of their credit agreements, including those related to motor finance. If you suspect that you may have been subject to undisclosed commissions in your motor finance agreement, you could be entitled to compensation.

How We Can Help

Our team specializes in assisting individuals who believe they have been affected by secret commissions in their motor finance agreements. We provide expert guidance and support throughout the claims process, helping you understand your rights and navigate the complexities of financial compensation.

Why Choose Us?

  • Expertise: Our team comprises legal professionals with extensive experience in consumer rights and financial claims.
  • Dedication: We are committed to fighting for the rights of consumers and ensuring fair treatment in financial transactions.
  • Transparency: We believe in transparency and will keep you informed at every step of your claim journey.

Take Action Today

Don’t let undisclosed commissions go unchecked. Take action today to assert your rights and potentially reclaim the commissions you may have unknowingly paid. Contact us to schedule a consultation and explore your options for pursuing a secret commissions claim in motor finance.


Please note that the information provided on this webpage is for informational purposes only and should not be construed as legal advice. Each case is unique, and the outcome of your claim may vary depending on various factors. We recommend seeking personalized legal advice to assess your individual circumstances.

Call our team on 0333 777 5001 for free advice and on how to make a claim with us.