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Terms of Use

  1. Investor Compensation (Claims) LLP are instructed to act as my/our representative in the settlement of my loan and or PPI (which within this context includes any generic provider of financial services).
  2. I/We agree that no agency other than Investor Compensation (Claims) LLP is currently acting for me/us in the settlement of my loan and or PPI and that Investor Compensation (Claims) LLP is appointed as my/our sole representative in relation to this/these matter(s).
  3. Information relating to my/our claim will be provided to Investor Compensation (Claims) LLP upon commencement of this instruction. Investor Compensation (Claims) LLP will advise me/us of any further information required to pursue my/our claim and I/we will provide this information as soon as possible.
  4. I/We understand that Investor Compensation (Claims) LLP, by virtue of the Statute of Limitation, can only recover those charges and / or PPI premiums that have arisen during the past six years (five years if resident in Scotland).
  5. Upon receipt of the information from me/us and (where relevant), any additional information requested from the Bank, Investor Compensation (Claims) LLP may calculate the amount owed to me/us by the Bank in respect of the settlement of my loan and or PPI (plus interest where due). However, Investor Compensation (Claims) LLP accepts no liability for any errors or omissions, should the amount of the claim be miscalculated or disputed.
  6. Should any direct communication regarding this matter (including letters, telephone calls, or in personal conversations with the Bank’s staff members) be entered into with the Bank, I/we will report this to Investor Compensation (Claims) LLP, within 3 days from receipt and forward all relevant documentation directly to Investor Compensation (Claims) LLP.
  7. Investor Compensation (Claims) LLP will submit all necessary correspondence to the Bank and negotiate with it for the recovery of my/our money. I/We shall abstain from any pre-court negotiations with the Bank unless agreed in advance with Investor Compensation (Claims) LLP.
  8. Where requested, I/we will pay the £10 fee necessary to access my file (Data Subject Access Request) and or the £1.00 fee for the section 77 request.
  9. I/We understand that should I/we provide any information to Investor Compensation (Claims) LLP, which is untrue or misleading resulting in an unsuccessful claim that I/we will be liable for all fees and disbursements (including court and solicitors costs) which will be payable within 14 days of receipt of an invoice submitted by Investor Compensation (Claims) LLP. Any work already completed may become chargeable at the rate of £85 + VAT per hour, or part thereof.
  10. Should legal action become necessary to recover my/our money, Investor Compensation (Claims) LLP will pay the fee payable to provide representation at Court (if applicable). Following successful recovery, I/we will reimburse any such costs directly to Investor Compensation (Claims) LLP, within 14 days of an invoice submitted by Investor Compensation (Claims) LLP.
  11. When Investor Compensation (Claims) LLP have represented me in the settlement of my loan and or PPI, we charge a 25% fee + VAT (capped at £1,000.00) in addition to the £395.00 upfront fee and the £395.00 fee when the claim is completed. (Any subsequent applications will be charged a 25% fee + VAT capped at £1,000.00 with an upfront fee of £295.00 and £295.00 on completion of the claim).
  12. A discounted fee initially fee payable (£50 minimum), is outlined below, subject to the condition that the invoice is paid within 14 days of issue, upon expiry of which, the standard 25% + VAT is payable on all sums recovered. Any court fees and/or solicitors costs, will be payable in addition to this fee should they be recovered from the Bank (whether they are included within the settlement or are in paid by the Bank in addition to the settlement).
  13. I/We agree that all monies recovered from the Bank shall be paid directly to Investor Compensation (Claims) LLP, should the Bank so allow. Investor Compensation (Claims) LLP are authorised by me/us to deduct from the amount recovered from the Bank their fee plus any other fee that they have paid on my/our behalf before they forward the balance to me/us. Investor Compensation (Claims) LLP will provide a receipted invoice with the settlement to demonstrate the amount(s) paid to them.
  14. In the event that the Bank pays the settlement directly to me/us or if they reduce any of our debit balances by the settlement amount, then I/we will be liable to pay the fee (and any additional costs paid on my/our behalf) directly to Investor Compensation (Claims) LLP. (a) I/we agree to notify Investor Compensation (Claims) LLP of any settlement received from the Bank within 3 days of receipt. (b) Investor Compensation (Claims) LLP will issue an invoice for their services which will be payable within 14 days of issue.
  15. I/We agree that Investor Compensation (Claims) LLP can deduct the fees for my claim from my credit/debit card upon completion of my case.
  16. Investor Compensation (Claims) LLP may at their discretion charge interest on any unpaid invoice at the rate of 8% in respect of unpaid invoices. Please indicate any additional information which may be relvant to your claim: Your Loan & Payment Protection Claim Pack 5.
  17. I/We agree not to accept any settlement that is communicated directly to us by the Bank without the consent of Investor Compensation (Claims) LLP
  18. Should Investor Compensation (Claims) LLP be unsuccessful in the settlement of my loan and or PPI. Then the administration fee of £65.00 will be payable; however, if I/we knowingly submit a frivolous or vexatious claim, then an administration fee of £50 may be payable
  19. Termination: (a) Investor Compensation (Claims) LLP may terminate this agreement should the amount recoverable be deemed to be insufficient to progress. (b) I/We may terminate our instructions by providing written notice to Investor Compensation (Claims) LLP within 14 days of the date of this document. (It is recommended that you send any notice of cancellation by recorded delivery post).Termination after this period will be at the discretion of Investor Compensation (Claims) LLP and only then in exceptional circumstances; I/we will be liable for those costs which are equal to the sum payable in my/our case should my/our claim have been settled in full. Should the value of my/our claim be unknown then I/we may be liable for the reasonable costs incurred by Investor Compensation (Claims) LLP at the rate of £85 + VAT per hour, or part thereof
  20. I/We understand that Investor Compensation (Claims) LLP will not disclose my/our personal information to anyone else
  21. This agreement is covered by the Jurisdiction of English law and the Courts of England and Wales
  22. These Terms and Conditions relate to any and all products or claims for which the client has instructed Investor Compensation (Claims) LLP to act on their behalf.
  23. Investor Compensation (Claims) LLP will also offer Debt Advisory Line products at our discretion.
  24. Any monies paid to Investor Compensation (Claims) LLP in advance of a claim will be refunded within 14 days on receipt of request for cancellation.
  25. If you submit a fast track claim your case will be subject to Investor Compensation (Claims) LLP Terms and Conditions.

The Claims Process

  1. Once we have received your claim pack, we will assess the viability of your claim. Following an assessment of your claim, we will raise a formal complaint against your bank for the settlement on your loan and or PPI. Simultaneously, we will request a full financial breakdown of all account charges and where applicable instruct a solicitor from their panel.
  2. In the event that your bank fails to respond within 8 weeks from our original communication, then we have the option to a) issue a formal complaint to the Financial Ombudsman and/or the Financial Services Authority (FSA), or b) to commence legal proceedings against your bank. Either option is dependant on your claim value and will be confirmed if your bank fails to respond in the allotted time.
  3. Once settlement of your claim has been confirmed, your invoice will be raised – you must settle this within 14 days of issue. Once you have settled your invoice in full our authority will cease and we will be discharged of any further obligations to you. During our claim’s process, we would ask that you limit any telephone contact unless absolutely necessary because any time spent discussing your claim restricts the claim progress and increases the processing time. Throughout our process, you may receive communications directly from your bank regarding the progress of your claim, including statements and gestures of goodwill settlements. You must contact us within 3 days of any offer or any such communication. By doing so, you will assist the progress of your claim. We have discovered a number of major high street banks are using an array of delaying tactics or attempting to offer tiny settlements. We can only advise you of the significance of any such communication if you promptly advise us upon receipt. You are advised that if you fail to advise us of any communication from your bank, you will not only impede the progress of your claim, but may also be liable to repay disbursement costs including but not limited to: legal fees, court fees and our service charge.

Non Payment of Invoice

Without exception, all invoices must be paid in full within 14 days of issue. The costs of any telephone calls and invoice reminders may be added to the outstanding debt –

Debt Recovery

The costs of any County Court action (£25 - £100) will be added to the outstanding debt together with statutory interest, pursuant to Section 69 of County Court Act 984 until the debt is paid in full.