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PPI T&Cs PBA T&Cs

PPI T&Cs

1. What the Company will do for the Client:

a) The Company will assess the Client’s Payment Protection Policy and, if appropriate, pursue on the Client’s behalf, a claim for reimbursement of premiums paid plus statutory interest.
b) The Company will correspond and negotiate on behalf of the Client in this action.
c) The Company will inform the Client of all offers that the Company receives.
d) The Company will endeavor at all times to provide the Client with the professional and dedicated service that they deserve. The Company will use all reasonable skill and care in processing the claim.
e) The Company will always act in the Client’s best interests in pursuing the claim and obtaining the best results.
f) the Company will try to assess the reasonableness of any offers i.e. whether it is made in accordance with FOS, FSCS and FCA guidelines.

2. What the Company will NOT do for the Client:

a) We are unable to provide advice regarding the potential risk of cancellation of any PPI policy by the lender after any complaint is logged. We do however strongly suggest that you seek alternative protection for any continued credit agreements that you may have where PPI has previously been applied
b) The Company will NOT give or offer the Client financial advice.
c) The Company will NOT arrange alternative insurance or payment cover in any such event that your lender may cancel the insurance once a claim is submitted. We advise that it is highly likely that your lender will cancel your protection once our claim is submitted and request you consider this before submitting any claim.

3. What the Company expect from the Client:

a) To provide the Company promptly with all relevant information and items the Company requests.
b) To cooperate with the Company including sending to the Company any relevant correspondence that the Client receives.
c) Not to provide misleading information to theCompany.
d) To provide the Company with the exclusive authority for the duration of the contract:
i. To pursue the Client’s claim(s);
ii. To receive, bank and give valid receipt for Payment.
e) Once the client has received offer of compensation from the lender, the company will invoice the client for their fee that will become due and payable by the client within 14 days of the settlement being made.
i) The client must inform the company once client has been paid.
ii) The company is entitled to engage in Civil Proceedings in order to recover the fees, as detailed in the Terms and Conditions;
f) To read our Terms and Conditions and to sign our Letter of Engagement to say that the Client has agreed to them.
g) Provide the Company with a signed Letter of Authority.

4. The Company’s Fees:

a) The Company will charge the Client a % + VAT of the total amount awarded to the Client in full and final settlement of the claim. Please see our fees example table on page B of our Terms and Conditions.
b) If no award is made, the Client will not pay the Company anything, except in certain circumstances, see clause 5 below on “Cancelling this Agreement”.
c) VAT will be charged on all of the Company’s fees at the standard current rate.
d) A fee of £10 will be payable by the Client in the event that a Data Subject Access Request is made.
e) If the Client fails to settle their balance within 14 days of receipt of payment, the Company may charge Interest (in line with the Bank of England Statutory current Interest Rate) and Court Fees.

5. Cancelling this Agreement:

a) In the event that the Company cancels this agreement because the Company has advised the Client that the claim is unlikely to succeed, no fee will be payable.
b) There is a 14 day cooling off period in which the client may cancel the agreement without any charge.
c) The Company can cancel this agreement at any time if there has been a material breach of contract by
the Client.
d) In any circumstance other than those described in clause 5a&b the Company may charge the Client a fee for the work that the Company has undertaken.
e) These Terms of Engagement encompass any number of claims and/or work undertaken by the Company for the Client.
f) Cancellation of this Agreement by either party must be in a clear statement such as e-mail, letter, telephone or by completing and returning the cancellation form enclosed in this pack.
g) The Client can cancel this agreement at any time. If the Client does so the Company will charge for the work that the Company has undertaken after the 14 days cancellation period. This will be calculated at £75
per hour for the work undertaken.
h) If you cancel after compensation has been awarded the company reserves the right to charge the full fee.

6. Complaints:

a) Whilst the Company strives to offer the best service possible, if the Client would like to complain
for any reason whatsoever, please find enclosed our Complaints Handling Procedures.

7. Data Protection:

a) We will use the information provided to us by credit reference and fraud prevention agencies to help make decisions about all applicants, to verify their identity, for the prevention and detection of fraud and/or money laundering, and to manage accounts. If you do not make payments that you owe us, we will
trace your whereabouts and recover debts.
b) When credit reference agencies receive a search from us they will place a search “footprint” on your credit file.
c) The information which we and other organisations provide to the credit reference and fraud prevention agencies may be supplied by credit reference agencies to other organisations and used by them to perform similar checks. A condensed guide to the use of your personal information by ourselves and at Credit Reference and Fraud Prevention Agencies. We may use credit reference (CRA) and fraud prevention (FPA) agencies to help us make decisions. A condensed guide to how we, CRAs and FPAs will use your information is detailed above.

8. Other:

a) By confirming your agreement to proceed you are accepting that we may each use your information in
this way.
b) You are entitled to seek further advice in relation to your claim and to consider what services might be most appropriate to your claim for compensation. In particular you have the right to shop around and you should be aware of the services provided by the Financial Ombudsman Services.
c) This is a legally binding contract and in signing the Letter of Engagement the client is accepting the Company’s Terms of Conditions. If the Client is in any doubt concerning the Terms of Conditions, the Client should seek independent legal advice.

PBA T&Cs

1. What the Company will do for the Client:

a) The Company will assess the Client’s Packaged Bank Account Policy (PBA) and, if appropriate, pursue on the Client’s behalf, a claim(s) for reimbursement of premiums paid plus statutory interest.
b) The Company will correspond and negotiate on behalf of the Client in this action.
c) The Company will inform the Client of all offers that the Company receives.
d) Where the Company receives settlement we will forward the Client the monies agreed in settlement of the claim(s), after the deduction of the Company’s Fees as described in section 4 of the Terms of
Engagement.
e) The Company will endeavour at all times to provide the Client with the professional and dedicated service that they deserve. The Company will use all reasonable skill and care in processing the claim(s).
f) The Company will always act in the Client’s best interests in pursuing the claim(s) and obtaining the best results.

2. What the Company will NOT do for the Client:

a) We are unable to provide advice regarding the potential risk of cancellation of any PBA policy by the lender after any complaint is logged.
b) The Company will NOT give or offer the Client financial advice.
c) The Company will NOT arrange alternative insurance or payment cover in any such event that your lender may cancel the insurance once a claim is submitted. We advise that it is highly likely that your lender will cancel your protection once our claim is submitted and request you consider this before submitting any claim.

3. What the Company expect from the Client:

a) To provide the Company promptly with all relevant information and items the Company requests.
b) To cooperate with the Company including sending to the Company any relevant correspondence that the Client receives.
c) Not to provide misleading information to the Company.
d) To provide the Company with the exclusive authority for the duration of the contract:
i. To pursue the Client’s claim(s);
ii. To receive, bank and give valid receipt for Payment.
e) Once the client has received offer of compensation from the bank, the company will invoice the client for their fee that will become due and payable by the client within 14 days of the settlement being
made.
i) The client must inform the company once client has been paid.
ii) The company is entitled to engage in Civil Proceedings in order to recover the fees, as detailed in the Terms of Conditions;
f) To read our Terms and Conditions and to sign our Letter of Engagement to say that the Client has agreed to them.
g) Provide the Company with a signed Letter of Authority.

4. The Company’s Fees:

a) The Company will charge the Client a % + VAT of the total amount awarded to the Client in full and final settlement of the claim. Please see our fees example table on page B of our Terms and Conditions.
b) If no award is made, the Client will not pay the Company anything, except in certain circumstances, see clause 5 below on “Cancelling this Agreement”.
c) VAT will be charged on all of the Company’s fees at the standard current rate.
d) A fee of £10 will be payable by the Client in the event that a Data Subject Access Request is made.
e) If the Client fails to settle their balance within 14 days of receipt of payment, the Company may charge Interest (in line with the Bank of England Statutory current Interest Rate) and Court Fees.

5. Cancelling this Agreement:

a) In the event that the Company cancels this agreement because the Company has advised the Client that the claim is unlikely to succeed, no fee will be payable.
b) There is a 14 day cooling off period in which the Client may cancel the agreement without any charge.
c) The Company can cancel this agreement at any time if there has been a material breach of contract by the Client.
d) In any circumstance other than those described in clause 5a&b the Company may charge the Client a fee for the work that the Company has undertaken.
e) These Terms of Engagement encompass any number of claims and/or work undertaken by the Company for the Client.
f) Cancellation of this Agreement by either party must be in a clear statement such as e-mail, letter, telephone or by completing and returning the cancelation form enclosed in this pack.
g) The Client can cancel this agreement at any time. If the Client does so the Company will charge for the work that the Company has undertaken after the 14 days cancellation period. This will be calculated at £75
per hour for the work undertaken.
h) If you cancel after compensation has been awarded the company reserves the right to charge the full fee.

6. Complaints:

a) Whilst the Company strives to offer the best service possible, if the Client would like to complain for any reason whatsoever, please find enclosed our Complaints Handling Procedures.

7. Data Protection:

a) We will use the information provided to us by credit reference and fraud prevention agencies to help make decisions about all applicants, to verify their identity, for the prevention and detection of fraud and/or money laundering, and to manage accounts. If you do not make payments that you owe us, we will trace your whereabouts and recover debts.
b) When credit reference agencies receive a search from us they will place a search “footprint” on your credit file.
c) The information which we and other organisations provide to the credit reference and fraud prevention agencies may be supplied by credit reference agencies to other organisations and used by them to perform similar checks. A condensed guide to the use of your personal information by ourselves and at Credit Reference and Fraud Prevention Agencies. We may use credit reference (CRA) and fraud prevention (FPA) agencies to help us make decisions. A condensed guide to how we, CRAs and FPAs will use your information is detailed above.

8. Other:

a) By confirming your agreement to proceed you are accepting that we may each use your information in this way.
b) You are entitled to seek further advice in relation to your claim and to consider what services might be most appropriate to your claim for compensation. In particular you have the right to shop around and you should be aware of the services provided by the Financial Ombudsman Services.
c) This is a legally binding contract and in signing it the Client is accepting the Company’s Terms of Engagement. If the Client is in any doubt concerning the Terms of Engagement, the Client should seek independent legal advice.