Service
Service Summary
What will we do for you?
Upon instruction we will assist you in identifying all motor finance agreements which may have been mis-sold to you by obtaining information from credit reference agencies and submitting formal information requests to your lender(s). Where we identify potential claims, we will submit a claim for each identified motor finance agreement where there is merit to do so. This may be through the forthcoming FCA Consumer Redress Scheme ("Redress Scheme").
If necessary, we will escalate your claim(s) to The Financial Ombudsman Service (FOS) or pursue your claim(s) via litigation if we believe you may achieve a better outcome.
How will we keep you updated?
We will manage the entirety of your claim and keep you updated along the way. We will update you within 5 working days when there are any material developments on your case or when we receive any information which is for your attention. Where there are no material developments, we will update you at least every 3 months in writing.
How much will it cost?
Pre-litigation (e.g. settled through the Redress Scheme)
If your claim is rejected by the lender, there will be no fee. This is a No Win No Fee agreement, known as a "Contingency Fee Agreement". If your claim is successful, our total fee is a percentage of your gross compensation or the maximum amount listed in column (2) below, whichever is the lower amount.
| Compensation amount | Your fee (+VAT) | Example compensation | Example fee (inc VAT) |
|---|---|---|---|
| £1 - £1,499 | 30% up to a max of £420 | £700 | £252 |
| £1,500 - £9,999 | 28% up to a max of £2,500 | £3,000 | £1,008 |
| £10,000 - £24,999 | 25% up to a max of £5,000 | £15,000 | £4,500 |
| £25,000 - £49,999 | 20% up to a max of £7,500 | £30,000 | £7,200 |
| £50,000 + | 15% up to a max of £10,000 | £85,000 | £12,000 |
The examples shown in the table above are for illustration purposes only and are not to be taken as an estimate of the likely amounts to be recovered. The amount you receive may be more or less than these examples (although we anticipate that the majority of mis-sold agreements will be between £500 and £1500). If you have outstanding finance with the lender, the lender may use all, or part of the proceeds of any compensation by way of a set-off from your compensation, meaning that you may not receive the full amount (or any) "cash in hand". In this event, our fee will still be payable. For example, if your lender makes an offer of £1,000 compensation and you have an outstanding balance of £500 with the lender, your lender may use the compensation offered to pay the outstanding balance meaning that they will only pay out £500. We would use this £500 towards our charges, which would be £300+VAT (£360), leaving with you £140.
If your claim is settled via litigation (i.e. court proceedings)
It is possible that pursuing your claim through the courts, rather than via the Redress Scheme, may achieve the most successful outcome for you.
If we determine this, your claim will be pursued under another type of "No Win No Fee" agreement called a "Conditional Fee Agreement" (CFA). Under the terms of the CFA, you will not be required to pay us any fees unless and until your claim succeeds. If your claim succeeds, we will be entitled to recover our basic charges from the lender, and we shall charge you a "Success Fee". Any shortfall in the recovery of our fees you will still be responsible for, however the total amount of the deductions we may make from your compensation, inclusive of the Success Fee, will be capped at 40% (exclusive of VAT) of the amount recovered.
If your claim is not successful, we are not entitled to any fees, however you will be responsible for the other sides costs and disbursements (e.g. court fees, counsel fees etc). However, these can be covered by a specific type of insurance called After the Event Insurance (ATEI), subject to the terms of the policy, which we would likely recommend you take out if your claim proceeds to litigation, and we can arrange this on your behalf. Unfortunately, the cost of the ATEI is not recoverable and therefore will be deducted from your compensation in the event that your claim is successful. However, if it is not successful there will be nothing to pay for the ATEI.
Can I change my mind?
If you cancel the agreement within 14 days
You have a right to cancel the agreement with us within 14 days, this is the "cooling off" period. If you do, then we will not charge you anything and your relationship with us will end.
If you cancel the agreement after 14 days
If you cancel the agreement after 14 days, then you will have to pay our reasonable fees. The fees are set out in Paragraph 5 of the Contingency Fee Agreement (for pre-litigation cases) and Schedule 4 of the Conditional Fee Agreement (for litigated cases). If you are considering cancelling after 14 days, then please contact us before you do so that we can address any concerns that you have.
What other options are available to pursue my claim?
You can pursue the claim yourself without using a law firm or claims management company and without cost. You will first need to complain directly to your motor finance provider and if this is unsuccessful, you can complain through the Financial Ombudsman Service.
You may be entitled to legal advice, assistance and representation through your membership of a trade union or under a contract of insurance (e.g. legal expenses cover), therefore you may wish to investigate whether you are able to pursue your claim(s) through these methods.
As previously referenced, the FCA will be introducing a Redress Scheme for motor finance claims, which you can also access free of charge, which is expected to launch at some point in the first half of 2026. The FCA have estimated that the average compensation, per mis-sold motor finance agreement, will be £700.
How will specific needs and circumstances be treated?
If you have any needs or circumstances that might affect how we should communicate or handle your matter, such as health issues, disabilities, language or communication needs, or other personal circumstances, please let us know at any time. For example, if you would prefer us to communicate with you in a particular way, need additional time to consider information, or feel that a certain approach would make things easier for you, please tell us. Our aim is to make your experience as clear, accessible, and supportive as possible.
You only need to share what you feel comfortable with. Anything you do tell us will be treated confidentially and used only to help us support you better and make any reasonable adjustments you may need.