TERMS & CONDITIONS

Claim Hunters Ltd (trading as Claim Hunters, claimhunters and FinancialClaims.com) is a Claims Management Company who specialises in making claims on behalf of clients who have been mis-sold financial services or financial products. We have agreed to make a claim/s, on your behalf, in respect of the potential mis-selling of your financial services or financial products, on the terms of this agreement. We do not give legal advice; our service is limited to the process and administration of claims in relation to the mis-selling of financial services or financial products as set out in this agreement.

You do not need to use a claims management company to make a complaint to your lender. You have the right to use the Financial Ombudsman Service (www.financialombudsman.org.uk) to seek redress independently, and for free in relation to mis-sold products. You may also have the right to claim via the Financial Services Compensation Scheme (FSCS) for free, if you have been mis-advised and the firm (that advised you) has since failed - more information can be found at www.fscs.org.uk.

1. Definition of Terms

We, Us and Our means Claim Hunters Ltd (and all of its trading names), whose registered office is at 30 Clarendon Road, Watford, Hertfordshire, WD17 1JJ; company registration number 07863553.

You and Your means You the person/s entering into this Agreement.

Your Insurance Policy means the financial services or financial products sold or provided to you.

Your Bank - the bank(s) means a financial institution(s) or other provider(s) of generic financial services against which We bring a Claim on your behalf.

Claim – a claim or claims made by Us to the Bank on your behalf relating to one or more of your financial services or financial products.

2. Scope of Work

We will correspond with the organisation or individual that sold your financial services or financial products, including requests for Disclosure of Information in respect of your claim/s if required, with the aim of securing a successful claim/s on your behalf.

Should your claim/s not be accepted we will prepare and present your case to The Financial Ombudsman Service where we consider it is reasonable to do so.

We will keep you informed of the progress of your claim and will advise you on the best course of action at every stage. You can also track the progress of your complaint via our website portal.

Other than the actions referred to above, we will not be obliged to take any action on your behalf, unless we otherwise agree in writing.

3. No Guarantee

We give no guarantee and make no representation that any claim/s that we make on your behalf will be successful, or that we will be able to recover any particular sum of money, or achieve any particular result, for you and you agree not to hold us liable for any amounts we are unable to recover.

4. Fees and Interest

• 4.1. On successful completion of your claim/s, you pay us 24% (inclusive of VAT) at the current rate, Our Fee, of:
  1. The gross amount of any sum recovered, prior to the deduction of any tax, and including any interest that may be awarded; and/or

  2. the amount by which, any loan to you and/or amount or liability owed by you (including interest), is reduced, written off, cancelled or waived, as a result of, or pursuant or in relation to, or following, a claim or demand (whether by you, or by us), in relation to the alleged mis-selling of financial services or financial products (Sum Recovered).

     Fee Examples (illustration only):

     *There may be an additional income tax liability to you, depending on your individual circumstances.

     Example 1: No arrears present

     Sum Recovered*	£1,000	£3,000	£10,000
     Our Fee @ 20%	£200	£600	£2,000
     VAT @ 20%	£40	£120	£400
     Total Fee Payable	£240	£720	£2,400
     Total Money Direct to You	£760	£2,280	£7,600

     Example 2: Arrears present. Potential for offset

     	Fully Offset	Partial Offset	Partial Offset (all funds to arrears and fees)
     Sum Recovered*	£1,000	£3,000	£10,000
     Arrears Present	£1,000+	£1,000+	£9,000+
     Our Fee @ 20%	£200	£600	£2,000
     VAT @ 20%	£40	£120	£400
     Total Fee Payable	£240*	£720	£2,400 (£1,400 payable from your own funds)*
     Total Money Direct to You	£0	£1,280	£1,000
     Total Reduction in Arrears Achieved	£1,000	£1,000	£9,000

     *Please note: If previous liabilities exist, any sum recovered may be offset against these existing liabilities. In the instance that the arrears present exceed the sum recovered - you will, where necessary, be liable to pay Our Fee from your own funds.

• 4.2. If the organisation or individual against whom we are making a claim/s on your behalf, identify and award compensation against any further Insurance Policy/s, then a fee will be payable by You to Us for all such awards of compensation.
• 4.3. We will issue an invoice for Our Fee, when it falls due.
• 4.4. We operate a 'No Win No Fee' policy. No Win No Fee means you do not pay us if your claim is unsuccessful and if successful, you only pay our fee once the lender has made compensation payment to you.
• 4.5. Our invoice will detail the timescales by which we expect you to have made the due payment for our services to us in full. Unless otherwise agreed with you, this will be within 14 days from the date you receive the funds from the financial business who is settling the complaint, or the date that the funds have been offset against existing arrears.
• 4.6. In the event that you do not make full payment within the time period agreed on our invoice, we reserve the right to apply an additional penalty fee of no more than £50 from the date that the payment becomes late. Should we be unable to settle outstanding fees, we also reserve the right to refer the debt to our internal Credit Control department or third-party debt collection agencies, which may impose further penalty fees.

5. Your Obligations

• 5.1. You must complete the application form which requires that you sign both the Letter of Authority and these T&C's.
• 5.2. You must promptly provide to us, at no cost to us, copies of any documents in your possession (in relation to the claim), and with any other information, that we ask for at any time.
• 5.3. You must make full, frank and prompt disclosure to us of all facts that you believe are relevant to your claim/s, and not deliberately mislead us at any time.
• 5.4. You must promptly provide to us, at no cost to us, any authority we ask for at any time, authorising us to carry out our obligations under this agreement and to receive direct payment of the Sum Recovered (as referred to in clause 4.3 above).

6. Termination, lien and set off

• 6.1. You may terminate this agreement at any time for free up to the point an offer is made on a successful claim, by returning your signed 'Cancellation Form' (included in your initial pack), or by notifying us in accordance with clause 7.5 below, by post, email (details below), or by telephone, without any obligation to us.
• 6.2. There is no fee for cancellation. However, If you do not perform any of your obligations under this agreement, so that we are unable to perform our own obligations, we may (if we decide to do so) regard you as having terminated this agreement in accordance with the clause above, in which case you will still be liable to pay us Our Fee.

7. General

• 7.1. This agreement may be amended from time to time, without notifying you.
• 7.2. By signing these Terms and Conditions you agree for your electronic signature to be applied on the Letter of Authority to enable us to check if you have a claim.
• 7.3. This agreement and the documents referred to in it make up the whole agreement between you and us. Nothing in this clause limits or restricts your rights or our rights in respect of any fraud or wilful concealment by the other.
• 7.4. If we do not exercise, or we delay in exercising, any of our rights or remedies under this agreement, this does not mean that we have waived that right or remedy, or waived any other right or remedy that we may have, and if we only exercise a right or remedy once, or only exercise part of it, this will not stop us from exercising that right or remedy in the future, or any other right or remedy.
• 7.5. This agreement and the documents referred to in it are only for the benefit of you and us and are not intended to benefit, or be enforceable by, anyone else.
• 7.6. If either of us needs to notify the other of anything under this agreement, the notice will be sent by pre-paid first class recorded delivery post, if it needs to be sent by us to you, addressed to you at the address given at the head of this agreement (or to such other address as you have notified to us in accordance with this clause), and if it needs to be sent by you to us, to us at the address given at the head of this agreement (or to such other address as we have notified you in accordance with this clause), addressed to: 30 Clarendon Road, Watford, Hertfordshire, WD17 1JJ. Any such notice will be regarded as having been served 48 hours after the notice (provided that it has been correctly addressed and prepaid) has been posted. To prove service, it is sufficient to prove that the envelope containing the notice was properly addressed and delivered into the hands of a licensed postal operator for delivery, as referred to above.
• 7.7. Claim Hunters Ltd is an affiliated company of Financial Claims Advisory Service Ltd(FRN 834279), sharing the same ownership, management and resources, including offices, staff and secure IT systems. As such, your Personal Data will be accessible to both companies. However, this will in no way impact the service you receive from Claim Hunters Ltd, and the security of your Personal Data shall not be in any way compromised.
• 7.8. You are not required to use a claims management company to pursue your claim. You have the right to go direct to your lender, or to use the Financial Ombudsman Service (www.financial-ombudsman.org.uk) to seek redress independently and free of charge.You may also have the right to claim via the Financial Services Compensation Scheme (FSCS) for free, if you have been mis-advised and the firm (that advised you) has since failed – more information can be found at www.fscs.org.uk.
• 7.9. For the purpose of any data protection legislation, as amended from time to time, you agree that we, and our associates, may collect, store, process and retain personal and sensitive data relating to you in carrying out our duties under these Terms. For full details please refer to our Privacy Policy which is available online and can be provided upon request.
• 7.10. The construction, validity and performance of this agreement will be governed by and interpreted in accordance with English Law and you and we agree that the English Courts will have exclusive jurisdiction over such matters, however we will have the right to take action against you in relation to this agreement in any Court, in any country, if we feel that it is necessary.

8. Complaints Procedure

We pride ourselves on providing a professional service. If you are not happy with our service in any way, we would like to hear about it. A full copy of our complaints policy and procedure can be provided on request. Please address your complaint in writing to:

Complaints Manager
Claim Hunters Limited
30 Clarendon Road
Watford
Hertfordshire
WD17 1JJ
Email: aftersales@claimhunters.com

Alternatively you may complain by calling our Freephone number 0800 772 3264* or by email to complaints@claimhunters.com

*All calls are recorded for training and monitoring purposes.

If for any reason you are not satisfied that your complaint has been resolved fairly, then provided you are an ‘eligible complainant’ you are entitled to refer the matter to the Financial Ombudsman Service (www.financial-ombudsman.org.uk) at Exchange Tower, Harbour Exchange, London, E14 9SR or telephone 0800 023 4567.