November 2014, the highest court in the UK, the Supreme Court, provided judgment on a case; Plevin-v-Paragon Personal Finance Ltd  UKSC 61. Mrs Plevin who opened the case, was sold PPI for a loan that she had taken out with Paragon. However, Mrs Plevin was not told that Paragon would be receiving 71.8% of the premium as commission. The Supreme Court questioned whether a relationship could be deemed unfair where the Insurance conduct of business sourcebook (ICOB) rules had not been breached. They decided that while the rules gave some evidence of what the standard was, they do not determine the relationship as unfair. However, failure to disclose a commission as high as 71.8% was sufficient to make the relationship unfair. If Mrs Plevin had known the size of the commission she may have questioned whether the PPI represented value for money. You can find a copy of the Judgement here, and a video is also available here.