Is the service really ‘No Win No Fee’?

Yes! We only charge our fee when we secure refunds for customers, this offers a no risk route to investigating the potential of a tax refund. If we fail to put you in a better financial position we will not charge you a fee.

What is the average Refund?

About £800 for tax refunds, potentially much more for loan refunds.

What are your fees?

Our fees are ‘no win no fee’, charged at a percentage of the financial benefit you receive as a result of our work. In some cases there are other charges (see below). We will try to provide you with an estimate of the refund you will receive in your pocket, net of any fees.

The fee differs depending on the type of refund:

TAX REFUNDS

Standard tax refund 18%+vat

Mileage & Expenses tax refund 20%+vat

CIS tax refund 25%+vat

Loss claim tax refund 25%+vat

Mechanics tool tax refund 30%+vat

LOAN REFUNDS 25%+vat

In some other instances there may be additional charges (all of which will simply be deducted from your refund):

Small claim supplement £20-£40

(applied if the gross refund is less than £650:under £200=£40, £201-£400=£30, £401-£649=£20)

UK or overseas bank transfer £15

Sourcing missing information £15 (per successful item)

Setting up a UK tax record £30 (only for a small overseas claimants)

What refunds do you offer?

We offer two categories of refund: loan refunds and tax refunds.

For tax refunds we represent your interest in a claim for overpaid tax against HM Revenue & Customs.

For loan refunds we represent your interest in a claim against an unenforceable or voidable loan, or against mis-selling for other finance or insurance products.

How long will it take to get my money?

Finance refunds take from 3-6 months depending on the case. Tax refunds typically take between 4-8 weeks. Claims can take longer if we have to rely on third parties, such as to source missing information or if your claim is vary complicated. We ensure that you are kept fully up to date however long your claim takes.

The ‘Get Paid Now’ option offers £300 immediately - please explain

It is a frustrating fact that the tax refund process is not instant, due to various delays in dealing with HM Revenue & Customs. In order to help our customers we often offer to pay some of the refund upfront, in practice within a few days of receiving your claim pack. We review every claim to see if we can pay upfront, either £100, £200 or £300 depending on the size of the refund. If your claim qualifies for ‘Get Paid Now’ you will receive an offer with the figures detailed. Should you wish to take us up on the offer just complete the form and return it. You will receive the money within a few days.

What are your opening hours and how can I contact you?

We offer our refund services remotely from our offices in Brighton, UK and Mosta, Malta. Our Local Call number of 0844 804 0240 operates between 9am and 5pm Monday to Friday. You can also enter your number on this website by clicking the call free button on every page of this website and you’ll be speaking to a live agent who is familiar with your case in less than a minute.

What licences and qualifications do your claims handlers have?

They hold a Claims Management Regulation licence issued by the Ministry Of Justice. They are a registered agent with HM Revenue & Customs and hold a data protection licence. They are bound by the data protection act and their tax refund staff are affiliated to the Association of Taxation Technicians where relevant.

When you enquire

What we do depends on how you made your enquiry. If you make your enquiry through the ‘60 Second Survey’ we will call you back within a few days where we believe you have a potential refund and to find out if we can help. If you call in on our Local Number we will be able to deal with you straight away. In either case if we can help we will send out the claim pack you’ll need to start the process. You then need to complete and return it. If you have any questions, simply call us on 0844 804 0240 and we will talk you through the forms.

When we receive your claim pack back

The day we receive your completed claim pack we send you a text to say we’ve got it. We will also call you, or you can call in so that we can run through the details to advise you of how much money we believe we can secure for you. For loan refunds we have a partnership with a legal specialist who may also contact you.

If there are any gaps in the information we need

Should we need more information before we submit the claim we will let you know and start the process of getting it. Your claim will be submitted as soon as we have all the necessary information. For certain loan refunds we may refer you to a panel solicitor, where litigation is necessary to pursue the refund. We will write to you on this day advising that the claim has been submitted and provide you with an estimate of the refund you should receive, where this is possible. Where an estimate is included this figure is stated net of all fees, i.e. it is the money we estimate you will get in your pocket.

If your case is not completed within 4 weeks

How long it takes to secure your refund depends on: the lenders or Revenues post backlogs, how complicated the claim is and if there is further information that is needed. Straight forward cases can be completed 4 weeks after submission, and in most cases we will have some feedback for you within a month. We will chase your claim every three weeks and update you either by phone or email until it completes, and provide updates whenever we have new information. Please remember that we do not get paid until you do so it is in our interest to get the money as quickly as possible!

When we know your refund is agreed

As soon as we know that your claim has been agreed (we may not know the amounts at this point) we will let you know.

When you are sent ‘Tax Calculations’ directly from the tax office

Once we have completed the technical work with the Revenue they will send you and us a copy of a very confusing document - ‘tax calculations’. This details the refund amount, how it was worked out and states an issue date. Please note that the issue date relates to the date the tax calculations were issued not the date the money is issued. Typically the money follows 10-14 days later. If the refund covers more than one tax year you will receive a tax calculation for each. The refund amounts are rolled forward from the earliest year and current total stated.

When our claims handlers receive your money

As soon they receive your money we will review your file, prepare completion paperwork summarising the work and of course send you your money. In most cases we can send out money the day we receive it. We will send a cheque as a matter of course or a bank transfer if you have requested one.

After all the work is complete

We will send you a customer satisfaction survey (online) so you can tell us how we have done. If you originally enquired online you will have opted in or out of our information service which alerts you (by email) to other refunds and money saving opportunities. If you enquired by any other route you will automatically be opted in. If you wish to opt out please let us know.

What is a mis-sold loan?

If a loan was brokered, that is sold by a party that is not the actual finance company that sold the loan, or there was a product such as Payment Protection Insurance (PPI) that was sold with the loan, then a commission will have been paid to the company that sold the loan. The law has now been clarified by case precedent, that if a commission has changed hands then it has to be fully declared by the Loan Company to the Borrower. The law states that these secret or undisclosed commissions are an act of fraud by the Lender, and renders those loans unenforceable or voidable. This enables the Borrower to make a claims for having been miss sold a loan, and compensation is payable by the Lender. If for example a bank has compelled you to take out PPI with a personal loan, the bank needs to declare the commission it received from the Insurer to you as the Borrower. If the Bank did not disclose, you have a claim.

What types of mis-sold loans are claimable?

Secured and unsecured loans, Car Loans, Home Improvement Loans, Glazing, Kitchens, Conservatories, Credit Card loans, and Buy to Let Mortgages.

What about buy to let mortgages?

Buy to Let mortgages taken out by individuals where the brokers commissions have not been fully disclosed are in breach of the law. Nearly all Buy to Lets were sold by Brokers. We pursue the Lenders and not the Brokers, as the Brokers are not usually in a position to make compensation to Borrowers.

What is PPI?

If you have a mortgage, car finance, a bank or building society loan or a credit card then you may also have a Payment Protection Insurance policy. This insurance is known as PPI, loan insurance or unemployment/ redundancy cover and protects people if they are unable to make payments because of factors such as ill-health or unemployment. These policies are intended to pay the customer’s credit-card or loan should the customer become unemployed or ill and become unable to pay the monthly amounts themselves. Many companies sold these PPI policies without informing their clients they were optional, also these companies did not assess the client’s employment status or medical history. In many cases these polices have been “mis-sold” as the client could never claim on the PPI policy.

Have I been mis-sold PPI?

Providers sometimes used aggressive sales tactics and failed to provide full information to customers about policy exclusions. If you answer NO to any of the following questions, you have been mis-sold PPI and can seek compensation.

• At the time of the sale, did the advisor make you aware they were selling PPI?
• Were the PPI Terms & Conditions fully explained to you?
• Were you told you could get the loan without PPI?
• Were you told that Payment Protection Insurance was not compulsory?
• Were you told your existing insurance would cover the loan?
• Were you told you could buy a PPI policy elsewhere?
• Were you employed at the time of the sale?
• Were you told if you were self employed or a director of your own company at the time of the sale you could not claim PPI?
• Were you asked about any pre-existing medical conditions?

How does the claim process work?

We work in partnership with a specialist financial claims firm. Together our professional team will manage the entire claim compensation process, including any appeals to the Ombudsman and if required any court proceedings. We will negotiate the highest possible settlement for you. First the Borrower will complete some basic information together with letters of authority to proceed on their behalf. We will then gather any missing information from the Lender and afterwards make an initial assessment of the claim. Next a legal expert will be appointed by us to pursue the claim to a settlement.

How much does it cost?

We charge you 25% plus VAT of the money reclaimed. You do not pay any upfront fees, in the unlikely event you don’t win, we pay all the costs. That is more than 70p in every pound repaid.

How long will it take for a claims settlement to be reached?

A complex case could take up to 12 months BUT typically pure PPI cases take around 6 to 10 weeks, where as secret or undisclosed commissions cases take around 4 to 6 months.

Will I have to go to court?

No, our professional team will manage the entire claim compensation process for you.

Could I reclaim my charges myself?

Yes you can reclaim charges yourself. You will need to manage the Banks and the Court Processes, but like any situation, you can always represent yourself. You will need to be confident that you can manage the bureaucratic and legal processes and have access to the right expertise about the Consumer Credit Act, and the Laws of Agency. You will be up against experts employed by the Lenders. If you have any questions, please call us and we will point you in the right direction.

How much can I claim for a mis-sold loan or PPI?

For mis-sold loans the claim amount depends on the amount of loan, interest charged, the type of Consumer Credit Act breach and the damages caused to the Borrower by the Lender’s action. We will make an initial assessment on the submission of the claim and discuss the claim amount with the Borrower at that point before pursing the claim. You can claim back miss sold PPI costs plus interest for the last six years. We calculate this for you once we have all of your papers and contacted the PPI seller.

What will I have to do?

Please complete a Loan Refund claim pack. You will need to complete a Letter of Authority allowing us access to your Loan details from the Lender. If the Claim is a joint claim, then both parties will need to sign. A separate Third Party Authority letter is required for each claim. The Borrower will have to sign a Letter of Engagement allowing us to work on their behalf. We can appoint an Advisor in your area to help you do this and complete the paperwork if required. Our professional team will then manage the entire claim process, including any appeals to the Ombudsman and if required court proceedings. We will review any offer of compensation and advise you as to whether this should be accepted.

What if I do not have a copy of my loan agreement?

It obviously helps if you do have it as it is the basis on which a claim can be pursued. We ask you to sign a Letter of Authority which we then use to obtain the Agreement and any other missing details from the Lender. We write to your lender and use the law provided by the Data Protection Act to force them to inform us of all the details. Companies are usually pretty slow in responding to these requests however so if you do still have your agreements then send them in as you will get your money back sooner.

How do I start a claim?

You can start your claim by taking our 60 second survey or call us on 0844 804 0240.

Can I claim if the loan or policy has finished?

Yes, providing you still have all the policy or loan details and did not get any payout during the life of the policy.

When will I have to pay your fees?

Our fees are deducted from your claim settlement and so there is no money required from you during the process.

I have started a claim myself, can you help me?

Yes, in most cases we can continue the claim for you.

Do I have to pay anything upfront?

No we make no charge to start the process. We charge you 25% plus VAT of the money reclaimed. You do not pay any upfront fees, in the unlikely event you don’t win, we pay all the costs. There is a £10 charge per claim that is payable to the lender to secure your file from them.

What does no win no fee mean?

You do not pay any up front fees, in the unlikely event you do not win, we pay all the costs. Our professional team will manage the entire claim compensation process, including any appeals to the Ombudsman and if required any court proceedings. We are incented to negotiate the highest possible settlement for you. Our fees are deducted from your claim settlement; please see our Terms & Conditions.