Terms & Conditions

We offer a No Win, No Fee Service and charge No Upfront Fees. This means that if our client does not benefit from our services we will not charge you for the services you receive from us.

A1)            Financial Product Compensation - Specific Terms

'Benefit' : means all monetary and non-monetary benefits arising from our services.  This will often be a cash refund to you but in some cases may also include debt reduction and/or cancellation.  For example, if you are in arrears on a loan, some or all of your refund may be used to pay off those arrears.  Our overriding objective is to improve your financial situation whether by reclaiming money for you or by reducing your debts.  If we do this you will have benefited from our services and our fees will be payable as set out below.

'Fees' : Where you benefit from our service our fee will be 25% plus VAT of this total benefit in each individual claim. This is subject to minimum fees of £65 plus VAT in each unfair mortgage charge claim, £150 plus VAT in each credit card claim and £450 plus VAT in each mis-sold payment protection insurance claim. Subject to the amount being claimed, where minimum fees apply this could be more than 25% of your total compensation and we make no warrantees as to the amount you are likely to recover, as this will vary from case to case.

Example 1 -  The Company claims back £2000 for you in a claim for mis-sold payment protection insurance. Our fee would be 25% plus VAT.  The total fee charged would be £587.50

Example 2 -  The Company claims a refund of charges on your credit card in the sum of £320.  The minimum fee of £150 plus VAT would apply.  The total fee charged would be £176.25.

A2)            Care Home Fees Recovery - Specific Terms

'Our Client' : Our client will be the person in care, and a claim may be brought by anyone who has legal authority to handle their affairs. Where the person in care is deceased, our client will be their estate, and a claim may be brought by an executor or administrator of that estate.

'Benefit' : means all monetary and non monetary benefits arising from our services. This will normally be a cash refund to our client.

'Fees' : Where the client receives a benefit, our fee will be 20% plus VAT of this total benefit in each individual claim. This is subject to a minimum fee of £2,000 plus VAT. Where the minimum fee applies, this could be more than 20% of your compensation. Most claims are significantly higher and we will carry out assessments on a case by case basis:

Example 1  - The Company claims back compensation of £28,000 for our client. Our fee would be £5,600 plus VAT. The total amount charged would be £6,440

Example 2 - The Company claims back compensation of £7,000 for our client. Our minimum fee of £2,000 plus VAT would apply. The total amount charged would be £2,300.

A3)            General Terms - Payment of Fees, Your Obligations and Ours

When Are Fees Due?

Our fees become due as soon as we receive confirmation from the defendant that you have benefited from our services in accordance with the above. We will then issue you with a receipted VAT invoice for your records within 14 days. Where a benefit is conferred to you including directly to your account and you fail to reject that offer within a period of 28 days by writing to us, you will be deemed to have accepted that offer.

Running Your Claim

It shall be at the company's discretion as to whether the claim should be fought through court proceedings or by some other means. Further, the company has discretion to cease from acting after commencing but this would be at no cost to you. You agree to accept our decisions and recommendations in this regard. If court proceedings are necessary, you agree to us instructing a firm of solicitors on your behalf, and you agree to co-operate fully with any firm which is instructed.

Timescales and Time Limits

When you initially engage our services we will need to conduct a review of your case, to assess whether we can continue to act on your behalf. This may take us up to 60 days, and so we cannot guarantee that we will be able to file your claim within any specific time limits. Engaging our services does not suspend or stop any time limits which are approaching, and we accept no liability or responsibility for cases where clients are barred from bringing their claim due to the expiration of a time limit or limitation period.

Disbursements and Expenses

Whilst your claim is running, the Company will fund court and legal fees, together with any costs arising out of these proceedings.  Such fees are to be deducted from compensation prior to our service charge being applied. In the case of care home fees claims, disbursements for medical and expert's reports will be the responsibility of the client, albeit we will not incur any such expenses without your agreement.

Compensation Payments

You agree to the defendant paying any compensation monies directly to the Company. We will then deduct from this sum our expenses and fees in line with section A of our terms, before paying the remaining portion of the compensation to you. Where the third party pays compensation to you directly, you agree to account to us in respect of our expenses and fees within 28 days.

Rejecting Offers of Settlement

Where an offer of settlement or compensation is made which the Company considers to be fair and reasonable, taking into account costs, timescales and the relative strengths of your case, and you choose to reject that offer or fail to communicate your acceptance of the same, you shall be liable for our fees as if you had accepted the offer.

B)              Data & Confidentiality

During the term of this agreement we may request personal financial information and confidential medical information about our client from a variety of sources. This may constitute 'personal data' or 'sensitive personal data' under the Data Protection Act 1998. You agree to us obtaining, storing, and using this data. You agree to us submitting this data in evidence or discussing it with the defendant or other third parties if necessary in the course of your claim.

C)              Debt Collection

If payment of our invoice is not made within 28 days the matter will be referred to debt collection as the non-payment of our fees would constitute a breach of your contract with us.  As such you would become liable to pay our reasonable losses and costs arising from your breach of contract, details of which will be provided to you when such costs have been assessed.  You would also become liable to pay such costs and disbursements that the Court would deem to be just.

D)              Dealing Direct and Engaging Other Companies

If you engage another Company or law firm to act on your behalf in this matter, or deal directly with the defendant then you will have breached your contract with us. We reserve the right to charge you our fee based upon any benefit which you have obtained directly from the third party, or through a rival company, as if you had instructed us solely.

E)              Liability

The Company makes no warranty as to the size of any compensation or refund which may be awarded, nor to your prospects of success as all cases are decided on their own merits. The company accepts no liability due to the provision of false, misleading or incomplete information or documentation or due to any acts or omissions of any person other than the company. The Company is not a legal advisor, and as such none of its employees may give clients legal advice at any time, whether verbally or in writing.

F)              Terminating this Agreement

You shall have the right to terminate this contract by giving us written notice within 14 days of signing the contract, (cooling off period). If written notice is received within 14 days any monies paid by you to us will be refunded in full.

If you cancel the Contract after 14 days then we will charge you at the Company's standard legal services charge-out rate of £50 per hour to cover our actual costs for such preparation, processing and administration costs up to the time that you cancelled the contract in writing. If such termination takes place after the defendant has made a reasonable settlement offer we will impose a charge equivalent to our standard fees set out in section A of this agreement as if the settlement had been handled fully for you on the basis that you have received the full benefit of our services.

Any termination by you must be communicated on the telephone to our Customer Services Department and promptly confirmed in writing thereafter. We recommend that written confirmation of termination should be sent by recorded delivery to our registered office.

We may cancel this contract at any stage if it appears to us that with regards to timescales, costs and the prospects of success that we are no longer able to act on your behalf. In these circumstances you will be free to seek alternative representation or to continue the claim yourself.

G)              Complaints Procedure

We aim to provide excellent customer service at all times. However, we recognise that occasionally things go wrong. If you feel you wish to complain about the service you have received, please read our Complaints Handling Scheme below.

Complaints may be made in writing, by e-mail, by telephone or in any other form. In the case of a telephone complaint, we may ask you to put your complaint in writing to clarify the complaint so we can investigate fully.

We reserve the right to decline to consider a complaint that is made more than six months after you became aware of the cause of the complaint. There may be instances where we will waive this requirement at our discretion. We will confirm to you in writing if a complaint has been made outside the time limit that we are prepared to consider.

We will send you a written or electronic acknowledgement of a complaint within five business days of receipt, identifying the person who will be handling the complaint for the business. Wherever possible, that person will not have been directly involved in the matter which is the subject of the complaint, and will have authority to settle the complaint.

Within four weeks of receiving a complaint, we will send you either:

a) a final response which adequately addresses the complaint; or

b) a holding response, which explains why we are not yet in a position to resolve the complaint and indicates when we will make further contact with you.

With eight weeks of receiving a complaint we will send you either:

a) a final response which adequately addresses the complaint; or

b) a response which explains why we are still not in a position to make a final response, giving reasons for the further delay and indicating when we expect to be able to provide a final response; and

Where we decide that redress is appropriate, we will provide you with fair compensation for any acts or omissions for which we are responsible and will comply with any offer of redress which you accept. Appropriate redress will not always involve financial redress.

H)                   Referral fees

We work with a number of partners, introducers and affiliates.  If you were referred to us by one of our agents your contract is with us, not with that individual and a referral fee will be paid to that agent which will be up to 6.25% of the total benefit we recover for you. Example:  If we were to recover a refund of £1000 for you the agent would be paid a sum of up to £62.60 by us.  If you would like further information please address your query to the Compliance Manager at our company address.