CHARTERHOUSE CLAIMS LIMITED PRE-CONTRACT INFORMATION AND TERMS AND CONDITIONS OF CONTRACT
THIS DOCUMENT CONTAINS IMPORTANT INFORMATION.
YOU SHOULD READ IT THOROUGHLY BEFORE SIGNING AND YOU SHOULD ONLY SIGN IT IF YOU HAVE READ AND AGREE TO ITS CONTENTS.
1.1. We are Charterhouse Claims Limited registered in England and Wales under number 07300271. Registered Office Address: Charterhouse Claims Ltd, Stafford Court, 145 Washway Road, Sale, Manchester, M33 7PE. Charterhouse Claims Ltd is authorised and regulated by the Financial Conduct Authority (FCA) for regulated claims management services. Our firm reference number is: 832999. You can check this on Financial Services Register at https://register.fca.org.uk.
Charterhouse Claims Ltd trade under multiple names, and you may have started the claims process via one of the trading names listed below:
| Name | Type of name |
| Charterhouse Claims Limited | Registered |
| My PCP Refunds | Trading |
| PCP Refunded | Trading |
| My PCP Refund | Trading |
| My Rightful Claim | Trading |
| PCP Reclaimer | Trading |
| Your PCP Search | Trading |
| Car Finance Reclaims | Trading |
| Check My Car Claim | Trading |
| Charterhouse | Trading |
| Your Car Finance Refund | Trading |
| Your PCP Reclaim | Trading |
| www.yourcarfinancerefund.com | Trading |
| www.yourpcpreclaim.com | Trading |
| myrightfulclaim.com | Trading |
| ilclaims.com | Trading |
| Charterhouse Claims | Trading |
| Payday Loan Claims | Trading |
1.2. Charterhouse Claims Limited is permitted to seek out, refer and identify claims or potential claims in addition to advising, investigating and representing clients in relation to a financial service or financial product claim. Claims include:
1.2.1. When you sign up with Charterhouse Claims and sign the Letter of Authority, we will perform a soft credit check using credit-reference agencies (“CRAs”) such as TransUnion, Equifax or Experian. We will use third-party companies such as Valid 8 Ltd, Checkboard Ltd, Valifi Ltd or any other such providers to do this. Both the CRAs and third-party companies will give us credit information about you including information from the electoral register. This credit search is used fulfil our regulatory anti money laundering requirements, identify the existence of car finance agreements and ensure your claim can be substantiated. This will not affect your credit score, and we do not use this information to credit score you. The CRAs will add details of our searches and your application to the record which they hold about you.
The identities of the CRAs, their role also as fraud prevention agencies, the data they hold, the ways in which they use and share personal information, data retention periods and your data protection rights with the CRAs are explained in more detail below. This information is also accessible from each of the three main CRAs – clicking on any of these three links will also take you to the same document:
You can find more information on the third-party companies used to obtain credit reports here:
1.2.2. Where we are investigating your claim(s) and we identify any other Lenders in relation to your mis-sold car finance claim, we will initiate a claim with the relevant lender(s) by applying your signature to a new Letter of Authority, a copy of which will be sent to you via email. Your right to cancel highlighted in point 4 remains unaffected, and you have a 14-day cooling-off period from the date of issue to inform us if you do not wish to proceed.
1.2.3. Once we have received your completed paperwork, we will assess your eligibility to make a claim. We may perform a Data Subject Access Request with your lender on your behalf in order help substantiate your claim.
1.2.4. If we think your Finance was mis-sold, we will submit a claim to the Lender. They have 8 weeks in which to respond to this. (In exceptional circumstances it may take longer than this.)
1.2.5. If your claim is rejected by your Lender, we may submit it to the Financial Ombudsman Service (“FOS”) for consideration. We will ask you before we do this.
1.2.6. If your claim is successful and you receive a reasonable offer of compensation, we will charge you our Success Fee as shown in clause 3.1 of this agreement.
1.2.7. If you decline a reasonable offer of compensation which we advise you to accept and which is consistent with the Financial Conduct Authority (“FCA”), and FOS guidelines, our service under this agreement will be complete and we will charge you our Success Fee as shown in clause 3.1 of this agreement.
2.1. You appoint Us as your agent so that we can liaise with your Creditors and Lenders.
2.2. You must ensure that you always supply truthful and accurate information.
2.3. You must forward promptly any correspondence which you receive regarding your claim to Us.
2.4. You must promptly reply to any request for further information and documents we make.
2.5. You must provide all documents, including in electronic form, in your possession that are relevant to the claim and which give evidence of a fact in the claim.
2.6. You must pay our fees within 10 working days of receipt of redress. You should consider how you will pay our fee if compensation is awarded to you in the form of a reduction in an outstanding balance or arrears, or if you decide to decline a reasonable offer of compensation which we recommend that you accept.
Typical Payment Collections Process
In the event of an unpaid invoice, the following collection procedure will be initiated:
Initial Contact: You will receive a text message, phone call, and email reminder 7 days after the invoice is sent if payment has not been received.
Day 0: Invoice
Follow-Up Contact: If the invoice remains unpaid, additional reminders will be sent. This process begins anywhere between 1 and 14 days, based on when the client receives their money. If a balance reduction has already taken place, the collections process starts immediately.
Day 1: Calls* commence
Day 6: SMS & Email
Day 11: SMS & Email
Day 16: SMS & Email
Day 21: SMS & Email
Day 26: SMS & Email
Day 32: Letter & Email
Day 38: Letter & Email
Day 44: Letter & Email
Final Contact Attempts
Day 50-56: Client loaded to PaymentPlan.co.uk and sent further texts and/or emails approximately every 3 days up to day 90-day
Escalation: If all contact attempts are ignored and the invoice remains unpaid, the matter will be referred to a third-party debt recovery company, such as Lawton Hathaway. Please note that additional fees and costs may be incurred at this stage, for which you will be liable. Find out more here: https://www.lawtonhathaway.com/
*Calls are made regularly throughout the process. Automated SMS/emails are sent following unsuccessful call attempts.
In the event you have received a balance reduction, we may offer a repayment plan to assist with the outstanding amount. Repayment plans can be extended over a maximum period of 12 months, subject to agreement
2.7. You ask us to commence work in providing our service to you during the cancellation period set out in clause 4.
2.8. All answers or statements given by you are your responsibility.
3.1. Our Fee is inclusive of VAT and a percentage of the total monetary redress offered in a Settlement Proposal; this can be a Cash Award, Balance Reduction, Combination Award or any form of compensation offered by the lender in respect of your claim(s). Any compensation which you receive or if you decline a reasonable offer of compensation which we recommend that you accept and which is consistent with the FCA and FOS guidelines, we will charge you.
In the event compensation is paid to us directly You agree that We shall deduct the Success Fee before paying the balance of the Compensation to You. Before deducting Our Success Fee from any Compensation received, We will send an invoice to You which details the amount(s) due to Us and the balance of Compensation due to You. All funds will be held in Our Client Account in accordance with the FCA Account Rules. A copy of Our policy on Monies held in Our Client Account, is available on request.
For the avoidance of doubt where You have more than one successful Claim(s) against one or more Lender, We may deduct from any Compensation paid the Success Fee in respect of each of the Claims from the Compensation received for any one of those Claims.
Below is an illustration of our fees. This illustration should not be taken as an estimate of the amount likely to be recovered as redress if you have a successful claim. The figures below are for illustration purposes only and the amount you pay may be more or less than the amount shown:
| Band | Redress Awarded (£) | What we will charge you (including VAT) (%) | Max Total Fee Payable |
| 1 | 1-1,499 | 36.0 % | £504 |
| 2 | 1,500-9,999 | 33.6 % | £3,000 |
| 3 | 10,000-24,999 | 30.0 % | £6,000 |
| 4 | 25,000-49,999 | 24.0 % | £9,000 |
| 5 | 50,000+ | 18 % | £12,000 |
The table above includes VAT the current rate of 20%.
As an outcome of their review of the motor finance industry, the Financial Conduct Authority may impose an industry wide or specific consumer redress scheme. If such a scheme is put in place, our success fee will remain payable on consideration of the work we completed on your behalf.
Where the client initiates a chargeback or dispute for a valid invoice or agreed payment plan, the business reserves the right to pass on any third-party fees incurred as a result of such action.
3.1.1. Closed Accounts – with no outstanding balance
This means the account you are complaining about is now closed or it is a loan account where you have repaid the balance in full.
If your claim is successful, you will receive a Cash Award.
Example:
Mr A received an offer of £2,000
Our Fee is £672 inclusive of VAT leaving Mr A with £1,328 after he paid our fee.
Fee Band 2 Calculation:
£2,000 X 33.6% = £672
3.1.2. Where your balance is reduced to £0, and you receive a cash award which is more than the invoice payable.
A combination refund is where an offer is received when you have an outstanding balance, and the Total Offer is more than your Balance.
In this scenario, the Total Offer received would first be used to reduce your balance to £0 and the remaining amount paid to you as a Cash Award.
Where the Cash Award received is more than the invoice you will receive from us.
Example:
Mrs C Received a Total Offer of £1,000 As Mrs C had an outstanding balance of £500 an amount of £500 was used to reduce her balance to £0
The remaining £500 was provided as a Cash Award.
Our Fee charged is £360 inclusive of VAT leaving Mrs C with £140 after she paid our fee.
Fee Band 1 Calculation:
£1,000 X 36% = £360
3.1.3. Where your balance is reduced to £0 and receive a cash award which is less than the invoice payable.
A combination refund is where an offer is received when you have an outstanding balance, and the Total Offer is more than your Balance.
In this scenario, the Total Offer received would first be used to reduce your balance to £0 and the remaining amount paid to you as a Cash Award.
Where the Cash Award received is less than the invoice you will receive from us, you may need to find an alternative source to pay our fee.
We can provide a payment plan on the difference between the Cash Award and the Invoice Payable.
Example:
Mr D Received a Total Offer of £10,000 As Mr D had an outstanding balance, £7,500 was used to reduce her balance to £0 The remaining £2,500 was provided as a Cash Award
Our Fee charged is £3,000 inclusive of VAT Mr D would need to use the £2,500 Cash Award towards his invoice.
Mr D may need to find an alternative source to pay the remaining fee payable of £500 or arrange a payment plan within 7 days.
Fee Band 3 Calculation:
£10,000 X 30% = £3,000
3.1.4 Where you receive a balance reduction which is less than the balance outstanding:
If the Total Offer is less than your Outstanding Balance, the refund offered would be used to reduce your outstanding balance.
Where this happens, you may need to find an alternative method to pay our invoice.
Example:
Mrs B Received a Total Offer of £4,000 As Mrs B had an outstanding balance, £4,000 the refund was used to reduce her balance to £0
This means she receives no cash award to pay our fee.
Our Fee is £1,344 inclusive of VAT Mrs B may need to find an alternative source to pay our fee or arrange a payment plan within 7 days.
Fee Band 2 Calculation:
£4,000 X 33.6% = £1,344
3.1.5 Accounts in IVAs, DRO or Bankruptcies:
If your account is included in an IVA, DRO or Bankruptcy, any refund received may be provided to your insolvency practitioner.
No longer in the IVA, DRO or Bankruptcy?
Your insolvency practitioner may still have an interest in the account. This means that any compensation received from this claim may be passed to them.
We recommend to first check whether or not they have an interest in the claim.
3.2. You should be aware that compensation means benefit which you receive as a result of our service, there may be situations where the compensation is credited to your loan balance, and you will still have to pay our fee.
3.3. Where redress is paid either to yourself or to your Guarantor you will be liable for our fees.
3.4. If you wish to request a copy of the information, we hold pertaining to you, you may do so by phone, in writing or by email. This information will normally be provided to you in a timely fashion and at no cost, however we may charge a reasonable fee where a request is manifestly unfounded or excessive, particularly if a request is repetitive.
3.5. You may be responsible (subject to a courts discretion) for all costs and expenses incurred by the Company as a result of non-payment of fees, including but not limited to, Court fees, Late Payment Charges and Interest.
3.6. All sums due from the Client which are not paid on the due date (without prejudice to the rights of the Company under the Contract) shall bear interest from day to day at the rate of 8% per annum above the Bank of England base rate.
4.Cancellation
Right to Cancel
Cancellation Notice
To: Charterhouse Claims Limited, 145 Washway Road, Manchester, M33 7PE, info@charterhouseclaims.com, 0161 711 1966
I/We [*] hereby give notice that I/We [*] cancel my/our [*] contract for the supply of the following service [*]
Ordered on [*]/ received on [*]
Name of consumers:
Address of consumers:
Signature of consumers (only if this form is notified on paper):
Date:
[*]Delete as appropriate
5.1. At Charterhouse Claims Ltd we take customer relations very seriously and we always strive to improve our service. Any complaints we do receive will be dealt with quickly and professionally following the guidelines outlined below:
5.1.1. Complaints may be made by any of the following
1) in writing, to the Complaints Officer at Charterhouse Claims Ltd, 145 Washway Road, Manchester, M33 7PE.
2) by e-mail to Complaints@Charterhouseclaims.com
3) by telephone on 0161 711 1966
4) or in any other form in respect of a claims management service that we have provided and that is regulated under the Financial Services and Markets Act 2000.
5.1.2. We will send you a written or electronic acknowledgment of a complaint within five business days of receipt, identifying the person who will be handling the complaint for the business. Wherever possible, that person will not have been directly involved in the matter which is the subject of the complaint and will have the authority to settle the complaint.
5.1.3. Within eight weeks of receiving a complaint we will send you either:
5.1.3.1. a final response which adequately addresses the complaint: or
5.1.3.2. response which:
5.1.3.2.1. Explains why we are still not in apposition to make a final response, giving reasons for the further delay and indicating when we expect to be able to provide a final response; and
5.1.3.2.2. Informs you that you may refer the handling of the complaint to the Claims Management Ombudsman Service if you’re dissatisfied with the delay.
5.2. Where we decide that the redress is appropriate, we will provide you with fair compensation for any acts or omissions for which we are responsible and will comply with any offer of redress which you accept. Appropriate redress will not always involve financial redress.
5.3. If we are unable to resolve your complaint, or if a complaint is not resolved after eight weeks then you can have the complaint independently looked at by the Claims Management Ombudsman Service. The Claims Management Ombudsman Service investigates complaints about poor service from claims management companies. The Claims Management Ombudsman Service can investigate complaints up to six years from the date of the problem happening or within three years of when you found out about the problem. Should you wish to refer your complaint to the Claims Management Ombudsman Service this must be done within six months of our final response to your complaint. If you are not satisfied with our response, or if a complaint is not resolved after eight weeks, you may refer the complaint to –
Writing: Claims Management Ombudsman , Exchange Tower, London E14 9SR
Email: https://cmc.financial-ombudsman.org.uk/
Telephone: 0800 023 4567 (Opening times: Monday to Friday – 8am to 8pm and Saturday – 9am to 1pm)
6.1. You are not required to use a claims management company to make your complaint direct to your product provider (lender/bank etc.) and if unsuccessful to the Claims Management Ombudsman Service for free.
6.2. You acknowledge and agree that the Company may perform an address and finance check on you for the purposes of providing complete information to the third party the claim is being made against.
6.3. The provisions of the Contracts (Rights of Third Parties) Act 1999 are excluded from this agreement which means that only you and we have any rights under this contract. However if you ask us to liaise with anybody else on your behalf in relation to this contract we will do so provided that you give us your written permission.
6.4. Our service is personal to you and for this reason, you are not able to assign this contract to any other person.
6.5. If your account is still active, please be aware that the lender may freeze the facility whilst your complaint is ongoing.
6.6. By making a claim, your account may be closed, and your credit limit may be decreased by the lender.
6.7. We can assign our rights and responsibilities in this contract provided that the person we assign it to agrees to provide the same services to you in accordance with this contract. We will write to you before any assignment is made to ensure that you are aware that it is happening. You have the option to cancel your contract without charge in these circumstances.
6.8. Introducer Fees. If your details have been referred by a third party Charterhouse Claims Ltd may pay them an introducer’s fee.
6.9. You should consider whether you have alternative mechanisms for pursuing a claim i.e. legal expenses insurance.
6.10 After providing the Claims Services We will be entitled to continue to hold Your personal information until the Claim(s) is concluded and We receive full payment of money owed to Us for Fees plus VAT. We will then keep Your personal information for up to seven years in electronic form after which time We will destroy it unless we are required to keep it by law.
CHARTERHOUSE CLAIMS LIMITED PRE-CONTRACT INFORMATION AND TERMS AND CONDITIONS OF CONTRACT
THIS DOCUMENT CONTAINS IMPORTANT INFORMATION.
YOU SHOULD READ IT THOROUGHLY BEFORE SIGNING AND YOU SHOULD ONLY SIGN IT IF YOU HAVE READ AND AGREE TO ITS CONTENTS.
1.1. We are Charterhouse Claims Limited (trading as Charterhouse Claims) registered in England and Wales with registered number 07300271, Registered Office Address: Charterhouse Claims LTD, Stafford Court, 145 Washway Road, Sale, Manchester, M33 7PE. Charterhouse Claims Limited is authorised and regulated by the Financial Conduct Authority (FCA) for regulated claims management services. Our firm reference number is: 832999. You can check this on Financial Services Register at https://register.fca.org.uk.
1.2. Charterhouse Claims Limited provide a Mis-sold high cost financial products claims such as (a) payday loan claims (b) doorstep loan claims (c) short term high cost credit claims (d) guarantor loan claims (e) high cost (bad credit) loans (f) Catalogue clams (g) Car finance Claims (h) Unaffordable Lending Claims
1.2.1. Once we have received your completed paperwork we will investigate your claim by obtaining copies of all relevant documentation from your Loan Provider.
1.2.2. When you sign up with Charterhouse Claims and sign the Letter Of Authority, we will look at your credit file at credit-reference agencies (“CRAs”) such as TransUnion, Equifax or Experian. The CRAs will give us credit information about you including information from the electoral register. This credit search is used to check your identity and ensure your claim can be substantiated. We do not use this information to credit score you. The CRAs will add details of our searches and your application to the record which they hold about you.
1.2.3. Where we are investigating your claim(s) and we identify any other Lenders in relation to product types highlighted in point 1.2, we will submit a claim for these to the additional identified lenders. Before we submit the claim(s) we will always contact you to gain your consent and for you to sign a new letter of authority. The T&Cs will always remain the same from the date you have signed with the firm, your statutory rights are not affected in anyway.
The identities of the CRAs, their role also as fraud prevention agencies, the data they hold, the ways in which they use and share personal information, data retention periods and your data protection rights with the CRAs are explained in more detail below. This information is also accessible from each of the three main CRAs – clicking on any of these three links will also take you to the same document:
1.2.3. By signing the letter of authority and agreement you provide your consent for your signature to be applied to all documentation necessary to investigate your claims based on the information given. This included any other lenders you have informed us about when submitting your claim.
1.2.4. Once we receive the paperwork from your Loan Provider this will be reviewed to see whether the loan provided was suitable given your needs and circumstances at the point of sale.
1.2.5. If we think your Loan was mis-sold we will submit a claim to the Loan Provider who provided this. They have 8 weeks in which to respond to this. (In exceptional circumstances it may take longer than this.)
1.2.6. If your claim is rejected by your Loan Provider we may submit it to the Financial Ombudsman Service (“FOS”) for consideration. We will ask you before we do this.
1.2.7. If your claim is successful and you receive a reasonable offer of compensation we will charge you our Success Fee as shown in clause 3.1 of this agreement.
1.2.8. If you decline a reasonable offer of compensation which we advise you to accept and which is consistent with the Financial Conduct Authority (“FCA”), and FOS guidelines, our service under this agreement will be complete and we will charge you our Success Fee as shown in clause 3.1 of this agreement.
2.1. You appoint Us as your agent so that we can liaise with your Creditors.
2.2. You must ensure that you always supply truthful and accurate information.
2.3. You must forward promptly any correspondence which you receive regarding your claim to Us.
2.4. You must promptly reply to any request for further information and documents we make.
2.5. You must provide all documents, including in electronic form, in your possession that are relevant to the claim and which give evidence of a fact in the claim.
2.6. You must pay our fees within 10 working days of receipt of redress. You should consider how you will pay our fee if compensation is awarded to you in the form of a reduction in an outstanding balance or arrears, or if you decide to decline a reasonable offer of compensation which we recommend that you accept.
Typical Payment Collections Process
In the event of an unpaid invoice, the following collection procedure will be initiated:
Initial Contact: You will receive a text message, phone call, and email reminder 7 days after the invoice is sent if payment has not been received.
Day 0: Invoice
Follow-Up Contact: If the invoice remains unpaid, additional reminders will be sent. This process begins anywhere between 1 and 14 days, based on when the client receives their money. If a balance reduction has already taken place, the collections process starts immediately.
Day 1: Calls* commence
Day 6: SMS & Email
Day 11: SMS & Email
Day 16: SMS & Email
Day 21: SMS & Email
Day 26: SMS & Email
Day 32: Letter & Email
Day 38: Letter & Email
Day 44: Letter & Email
Final Contact Attempts
Day 50-56: Client loaded to PaymentPlan.co.uk and sent further texts and/or emails approximately every 3 days up to day 90-day
Escalation: If all contact attempts are ignored and the invoice remains unpaid, the matter will be referred to a third-party debt recovery company. Please note that additional fees and costs may be incurred at this stage, for which you will be liable.
*Calls are made regularly throughout the process. Automated SMS/emails are sent following unsuccessful call attempts.
In the event you have received a balance reduction, we may offer a repayment plan to assist with the outstanding amount. Repayment plans can be extended over a maximum period of 12 months, subject to agreement
2.7. You ask us to commence work in providing our service to you during the cancellation period set out in clause 4.
2.8. All answers or statements given by you are your responsibility.
3.1. Our Fee is inclusive of VAT and a percentage of the total monetary redress offered in a Settlement Proposal; this can be a Cash Award, Balance Reduction, Combination Award or any form of compensation offered by the lender in respect of your claim(s). Any compensation which you receive or if you decline a reasonable offer of compensation which we recommend that you accept and which is consistent with the FCA and FOS guidelines, we will charge you.
In the event compensation is paid to us directly You agree that We shall deduct the Success Fee before paying the balance of the Compensation to You. Before deducting Our Success Fee from any Compensation received, We will send an invoice to You which details the amount(s) due to Us and the balance of Compensation due to You. All funds will be held in Our Client Account in accordance with the FCA Account Rules. A copy of Our policy on Monies held in Our Client Account, is available on request.
For the avoidance of doubt where You have more than one successful Claim(s) against one or more Lender, We may deduct from any Compensation paid the Success Fee in respect of each of the Claims from the Compensation received for any one of those Claims.
Below is an illustration of our fees. This illustration should not be taken as an estimate of the amount likely to be recovered as redress if you have a successful claim. The figures below are for illustration purposes only and the amount you pay may be more or less than the amount shown:
| Band | Redress Awarded (£) | What we will charge you (including VAT) (%) | Max Total Fee Payable |
| 1 | 1-1,499 | 36.0 % | £504 |
| 2 | 1,500-9,999 | 33.6 % | £3,000 |
| 3 | 10,000-24,999 | 30.0 % | £6,000 |
| 4 | 25,000-49,999 | 24.0 % | £9,000 |
| 5 | 50,000+ | 18 % | £12,000 |
The table above includes VAT the current rate of 20%.
3.1.1. Closed Accounts – with no outstanding balance
This means the account you are complaining about is now closed or it is a loan account where you have repaid the balance in full.
If your claim is successful, you will receive a Cash Award.
Example:
Mr A received an offer of £2,000
Our Fee is £672 inclusive of VAT leaving Mr A with £1,328 after he paid our fee.
Fee Band 2 Calculation:
£2,000 X 33.6% = £672
3.1.2. Where your balance is reduced to £0, and you receive a cash award which is more than the invoice payable.
A combination refund is where an offer is received when you have an outstanding balance, and the Total Offer is more than your Balance.
In this scenario, the Total Offer received would first be used to reduce your balance to £0 and the remaining amount paid to you as a Cash Award.
Where the Cash Award received is more than the invoice you will receive from us.
Example:
Mrs C Received a Total Offer of £1,000 As Mrs C had an outstanding balance of £500 an amount of £500 was used to reduce her balance to £0
The remaining £500 was provided as a Cash Award.
Our Fee charged is £360 inclusive of VAT leaving Mrs C with £140 after she paid our fee.
Fee Band 1 Calculation:
£1,000 X 36% = £360
3.1.3. Where your balance is reduced to £0 and receive a cash award which is less than the invoice payable.
A combination refund is where an offer is received when you have an outstanding balance, and the Total Offer is more than your Balance.
In this scenario, the Total Offer received would first be used to reduce your balance to £0 and the remaining amount paid to you as a Cash Award.
Where the Cash Award received is less than the invoice you will receive from us, you may need to find an alternative source to pay our fee.
We can provide a payment plan on the difference between the Cash Award and the Invoice Payable.
Example:
Mr D Received a Total Offer of £10,000 As Mr D had an outstanding balance, £7,500 was used to reduce her balance to £0 The remaining £2,500 was provided as a Cash Award
Our Fee charged is £3,000 inclusive of VAT Mr D would need to use the £2,500 Cash Award towards his invoice.
Mr D may need to find an alternative source to pay the remaining fee payable of £500 or arrange a payment plan within 7 days.
Fee Band 3 Calculation:
£10,000 X 30% = £3,000
3.1.4 Where you receive a balance reduction which is less than the balance outstanding:
If the Total Offer is less than your Outstanding Balance, the refund offered would be used to reduce your outstanding balance.
Where this happens, you may need to find an alternative method to pay our invoice.
Example:
Mrs B Received a Total Offer of £4,000 As Mrs B had an outstanding balance, £4,000 the refund was used to reduce her balance to £0
This means she receives no cash award to pay our fee.
Our Fee is £1,344 inclusive of VAT Mrs B may need to find an alternative source to pay our fee or arrange a payment plan within 7 days.
Fee Band 2 Calculation:
£4,000 X 33.6% = £1,344
3.1.5 Accounts in IVAs, DRO or Bankruptcies:
If your account is included in an IVA, DRO or Bankruptcy, any refund received may be provided to your insolvency practitioner.
No longer in the IVA, DRO or Bankruptcy?
Your insolvency practitioner may still have an interest in the account. This means that any compensation received from this claim may be passed to them.
We recommend to first check whether or not they have an interest in the claim.
3.2. You should be aware that compensation means benefit which you receive as a result of our service, there may be situations where the compensation is credited to your loan balance, and you will still have to pay our fee.
3.3. Where redress is paid either to yourself or to your Guarantor you will be liable for our fees.
3.4. If you wish to request a copy of the information, we hold pertaining to you, you may do so by phone, in writing or by email. This information will normally be provided to you in a timely fashion and at no cost, however we may charge a reasonable fee where a request is manifestly unfounded or excessive, particularly if a request is repetitive.
3.5. You may be responsible (subject to a courts discretion) for all costs and expenses incurred by the Company as a result of non-payment of fees, including but not limited to, Court fees, Late Payment Charges and Interest.
3.6. All sums due from the Client which are not paid on the due date (without prejudice to the rights of the Company under the Contract) shall bear interest from day to day at the rate of 8% per annum above the Bank of England base rate.
4.Cancellation
Right to Cancel
Cancellation Notice
To: Charterhouse Claims Limited, 145 Washway Road, Manchester, M33 7PE, info@charterhouseclaims.com, 0161 711
I/We [*] hereby give notice that I/We [*] cancel my/our [*] contract for the supply of the following service [*]
Ordered on [*]/ received o1966 [*]
Name of consumers:
Address of consumers:
Signature of consumers (only if this form is notified on paper):
Date:
[*]Delete as appropriate
5.1. At Charterhouse Claims Ltd we take customer relations very seriously and we always strive to improve our service. Any complaints we do receive will be dealt with quickly and professionally following the guidelines outlined below:
5.1.1. Complaints may be made by any of the following
1) in writing, to the Complaints Officer at Charterhouse Claims Ltd, 145 Washway Road, Manchester, M33 7PE.
2) by e-mail to Complaints@Charterhouseclaims.com
3) by telephone on 0161 711 1966
4) or in any other form in respect of a claims management service that we have provided and that is regulated under the Financial Services and Markets Act 2000.
5.1.2. We will send you a written or electronic acknowledgment of a complaint within five business days of receipt, identifying the person who will be handling the complaint for the business. Wherever possible, that person will not have been directly involved in the matter which is the subject of the complaint and will have the authority to settle the complaint.
5.1.3. Within eight weeks of receiving a complaint we will send you either:
5.1.3.1. a final response which adequately addresses the complaint: or
5.1.3.2. response which:
5.1.3.2.1. Explains why we are still not in apposition to make a final response, giving reasons for the further delay and indicating when we expect to be able to provide a final response; and
5.1.3.2.2. Informs you that you may refer the handling of the complaint to the Claims Management Ombudsman Service if you’re dissatisfied with the delay.
5.2. Where we decide that the redress is appropriate, we will provide you with fair compensation for any acts or omissions for which we are responsible and will comply with any offer of redress which you accept. Appropriate redress will not always involve financial redress.
5.3. If we are unable to resolve your complaint, or if a complaint is not resolved after eight weeks then you can have the complaint independently looked at by the Claims Management Ombudsman Service. The Claims Management Ombudsman Service investigates complaints about poor service from claims management companies. The Claims Management Ombudsman Service can investigate complaints up to six years from the date of the problem happening or within three years of when you found out about the problem. Should you wish to refer your complaint to the Claims Management Ombudsman Service this must be done within six months of our final response to your complaint. If you are not satisfied with our response, or if a complaint is not resolved after eight weeks, you may refer the complaint to –
Writing: Claims Management Ombudsman , Exchange Tower, London E14 9SR
Email: https://cmc.financial-ombudsman.org.uk/
Telephone: 0800 023 4567 (Opening times: Monday to Friday – 8am to 8pm and Saturday – 9am to 1pm)
6.1. You are not required to use a claims management company to make your complaint direct to your product provider (lender/bank etc.) and if unsuccessful to the Claims Management Ombudsman Service for free.
6.2. You acknowledge and agree that the Company may perform an address and finance check on you for the purposes of providing complete information to the third party the claim is being made against.
6.3. The provisions of the Contracts (Rights of Third Parties) Act 1999 are excluded from this agreement which means that only you and we have any rights under this contract. However if you ask us to liaise with anybody else on your behalf in relation to this contract we will do so provided that you give us your written permission.
6.4. Our service is personal to you and for this reason, you are not able to assign this contract to any other person.
6.5. If your account is still active, please be aware that the lender may freeze the facility whilst your complaint is ongoing.
6.6. By making a claim, your account may be closed, and your credit limit may be decreased by the lender.
6.7. We can assign our rights and responsibilities in this contract provided that the person we assign it to agrees to provide the same services to you in accordance with this contract. We will write to you before any assignment is made to ensure that you are aware that it is happening. You have the option to cancel your contract without charge in these circumstances.
6.8. Introducer Fees. If your details have been referred by a third party Charterhouse Claims Ltd may pay them an introducer’s fee.
6.9. You should consider whether you have alternative mechanisms for pursuing a claim i.e. legal expenses insurance.
6.10 After providing the Claims Services We will be entitled to continue to hold Your personal information until the Claim(s) is concluded and We receive full payment of money owed to Us for Fees plus VAT. We will then keep Your personal information for up to seven years in electronic form after which time We will destroy it unless we are required to keep it by law.
CHARTERHOUSE CLAIMS LIMITED PRE-CONTRACT INFORMATION AND TERMS AND CONDITIONS OF CONTRACT
THIS DOCUMENT CONTAINS IMPORTANT INFORMATION.
YOU SHOULD READ IT THOROUGHLY BEFORE SIGNING AND YOU SHOULD ONLY SIGN IT IF YOU HAVE READ AND AGREE TO ITS CONTENTS.
1.1. We are Charterhouse Claims Limited (trading as Charterhouse Claims) registered in England and Wales with registered number 07300271, Registered Office Address: Charterhouse Claims LTD, Stafford Court, 145 Washway Road, Sale, Manchester, M33 7PE. Charterhouse Claims Limited is authorised and regulated by the Financial Conduct Authority (FCA) for regulated claims management services. Our firm reference number is: 832999. You can check this on Financial Services Register at https://register.fca.org.uk.
1.2. Charterhouse Claims Limited provide a Mis-sold high cost financial products claims such as (a) payday loan claims (b) doorstep loan claims (c) short term high cost credit claims (d) guarantor loan claims (e) high cost (bad credit) loans (f) Catalogue clams (g) Car finance Claims (h) Unaffordable Lending Claims
1.2.1. Once we have received your completed paperwork we will investigate your claim by obtaining copies of all relevant documentation from your Loan Provider.
1.2.2. When you sign up with Charterhouse Claims and sign the Letter Of Authority, we will look at your credit file at credit-reference agencies (“CRAs”) such as TransUnion, Equifax or Experian. The CRAs will give us credit information about you including information from the electoral register. This credit search is used to check your identity and ensure your claim can be substantiated. We do not use this information to credit score you. The CRAs will add details of our searches and your application to the record which they hold about you.
1.2.3. Where we are investigating your claim(s) and we identify any other Lenders in relation to product types highlighted in point 1.2, we will submit a claim for these to the additional identified lenders unless we are instructed by you differently. Before we submit the claim(s) we will always inform you via e-mail, the T&Cs will always remain the same from the date you have signed with the firm, your statutory rights are not effected in anyway
The identities of the CRAs, their role also as fraud prevention agencies, the data they hold, the ways in which they use and share personal information, data retention periods and your data protection rights with the CRAs are explained in more detail below. This information is also accessible from each of the three main CRAs – clicking on any of these three links will also take you to the same document:
1.2.3. By signing the letter of authority and agreement you provide your consent for your signature to be applied to all documentation necessary to investigate your claims based on the information given. This included any other lenders you have informed us about when submitting your claim.
1.2.4. Once we receive the paperwork from your Loan Provider this will be reviewed to see whether the loan provided was suitable given your needs and circumstances at the point of sale.
1.2.5. If we think your Loan was mis-sold we will submit a claim to the Loan Provider who provided this. They have 8 weeks in which to respond to this. (In exceptional circumstances it may take longer than this.)
1.2.6. If your claim is rejected by your Loan Provider we may submit it to the Financial Ombudsman Service (“FOS”) for consideration. We will ask you before we do this.
1.2.7. If your claim is successful and you receive a reasonable offer of compensation we will charge you our Success Fee as shown in clause 3.1 of this agreement.
1.2.8. If you decline a reasonable offer of compensation which we advise you to accept and which is consistent with the Financial Conduct Authority (“FCA”), and FOS guidelines, our service under this agreement will be complete and we will charge you our Success Fee as shown in clause 3.1 of this agreement.
2.1. You appoint Us as your agent so that we can liaise with your Creditors.
2.2. You must ensure that you always supply truthful and accurate information.
2.3. You must forward promptly any correspondence which you receive regarding your claim to Us.
2.4. You must promptly reply to any request for further information and documents we make.
2.5. You must provide all documents, including in electronic form, in your possession that are relevant to the claim and which give evidence of a fact in the claim.
2.6. You must pay our fees within 10 working days of receipt of redress. You should consider how you will pay our fee if compensation is awarded to you in the form of a reduction in an outstanding balance or arrears, or if you decide to decline a reasonable offer of compensation which we recommend that you accept.
2.7. You ask us to commence work in providing our service to you during the cancellation period set out in clause 4.
2.8. All answers or statements given by you are your responsibility.
3.1. Our Fee is inclusive of VAT and percentage of the total monetary redress offered in a Settlement Proposal; this can be a Cash Award, Balance Reduction, or Combination Award. any compensation which you receive or if you decline a reasonable offer of compensation which we recommend that you accept and which is consistent with the FCA and FOS guidelines, we will charge you.
In the event compensation is paid to us directly You agree that We shall deduct the Success Fee before paying the balance of the Compensation to You. Before deducting Our Success Fee from any Compensation received, We will send an invoice to You which details the amount(s) due to Us and the balance of Compensation due to You. All funds will be held in Our Client Account in accordance with the FCA Account Rules. A copy of Our policy on Monies held in Our Client Account, is available on request.
For the avoidance of doubt where You have more than one successful Claim(s) against one or more Lender, We may deduct from any Compensation paid the Success Fee in respect of each of the Claims from the Compensation received for any one of those Claims.
Below is an illustration of our fees. This illustration should not be taken as an estimate of the amount likely to be recovered as redress if you have a successful claim. The figures below are for illustration purposes only and the amount you pay may be more or less than the amount shown:
| Band | Redress Awarded (£) | What we will charge you (including VAT) (%) | Max Total Fee Payable |
| 1 | 1-1,499 | 36.0 % | £504 |
| 2 | 1,500-9,999 | 33.6 % | £3,000 |
| 3 | 10,000-24,999 | 30.0 % | £6,000 |
| 4 | 25,000-49,999 | 24.0 % | £9,000 |
| 5 | 50,000+ | 18 % | £12,000 |
The table above includes VAT the current rate of 20%.
3.1.1. Closed Accounts – with no outstanding balance
This means the account you are complaining about is now closed or it is a loan account where you have repaid the balance in full.
If your claim is successful, you will receive a Cash Award.
Example:
Mr A received an offer of £2,000
Our Fee is £672 inclusive of VAT leaving Mr A with £1,328 after he paid our fee.
Fee Band 2 Calculation:
£2,000 X 33.6% = £672
3.1.2. Where your balance is reduced to £0, and you receive a cash award which is more than the invoice payable.
A combination refund is where an offer is received when you have an outstanding balance, and the Total Offer is more than your Balance.
In this scenario, the Total Offer received would first be used to reduce your balance to £0 and the remaining amount paid to you as a Cash Award.
Where the Cash Award received is more than the invoice you will receive from us.
Example:
Mrs C Received a Total Offer of £1,000 As Mrs C had an outstanding balance of £500 an amount of £500 was used to reduce her balance to £0
The remaining £500 was provided as a Cash Award.
Our Fee charged is £360 inclusive of VAT leaving Mrs C with £140 after she paid our fee.
Fee Band 1 Calculation:
£1,000 X 36% = £360
3.1.3. Where your balance is reduced to £0 and receive a cash award which is less than the invoice payable.
A combination refund is where an offer is received when you have an outstanding balance, and the Total Offer is more than your Balance.
In this scenario, the Total Offer received would first be used to reduce your balance to £0 and the remaining amount paid to you as a Cash Award.
Where the Cash Award received is less than the invoice you will receive from us, you may need to find an alternative source to pay our fee.
We can provide a payment plan on the difference between the Cash Award and the Invoice Payable.
Example:
Mr D Received a Total Offer of £10,000 As Mr D had an outstanding balance, £7,500 was used to reduce her balance to £0 The remaining £2,500 was provided as a Cash Award
Our Fee charged is £3,000 inclusive of VAT Mr D would need to use the £2,500 Cash Award towards his invoice.
Mr D may need to find an alternative source to pay the remaining fee payable of £500 or arrange a payment plan within 7 days.
Fee Band 3 Calculation:
£10,000 X 30% = £3,000
3.1.4 Where you receive a balance reduction which is less than the balance outstanding:
If the Total Offer is less than your Outstanding Balance, the refund offered would be used to reduce your outstanding balance.
Where this happens, you may need to find an alternative method to pay our invoice.
Example:
Mrs B Received a Total Offer of £4,000 As Mrs B had an outstanding balance, £4,000 the refund was used to reduce her balance to £0
This means she receives no cash award to pay our fee.
Our Fee is £1,344 inclusive of VAT Mrs B may need to find an alternative source to pay our fee or arrange a payment plan within 7 days.
Fee Band 2 Calculation:
£4,000 X 33.6% = £1,344
3.1.5 Accounts in IVAs, DRO or Bankruptcies:
If your account is included in an IVA, DRO or Bankruptcy, any refund received may be provided to your insolvency practitioner.
No longer in the IVA, DRO or Bankruptcy?
Your insolvency practitioner may still have an interest in the account. This means that any compensation received from this claim may be passed to them.
We recommend to first check whether or not they have an interest in the claim.
3.2. You should be aware that compensation means benefit which you receive as a result of our service, there may be situations where the compensation is credited to your loan balance, and you will still have to pay our fee.
3.3. Where redress is paid either to yourself or to your Guarantor you will be liable for our fees.
3.4. If you wish to request a copy of the information, we hold pertaining to you, you may do so by phone, in writing or by email. This information will normally be provided to you in a timely fashion and at no cost, however we may charge a reasonable fee where a request is manifestly unfounded or excessive, particularly if a request is repetitive.
3.5. You may be responsible (subject to a courts discretion) for all costs and expenses incurred by the Company as a result of non-payment of fees, including but not limited to, Court fees, Late Payment Charges and Interest.
3.6. All sums due from the Client which are not paid on the due date (without prejudice to the rights of the Company under the Contract) shall bear interest from day to day at the rate of 8% per annum above the Bank of England base rate.
4.Cancellation
Right to Cancel
Cancellation Notice
To: Charterhouse Claims Limited, 145 Washway Road, Manchester, M33 7PE, info@charterhouseclaims.com, 0161 711
I/We [*] hereby give notice that I/We [*] cancel my/our [*] contract for the supply of the following service [*]
Ordered on [*]/ received o1966 [*]
Name of consumers:
Address of consumers:
Signature of consumers (only if this form is notified on paper):
Date:
[*]Delete as appropriate
5.1. At Charterhouse Claims Ltd we take customer relations very seriously and we always strive to improve our service. Any complaints we do receive will be dealt with quickly and professionally following the guidelines outlined below:
5.1.1. Complaints may be made by any of the following
1) in writing, to the Complaints Officer at Charterhouse Claims Ltd, 145 Washway Road, Manchester, M33 7PE.
2) by e-mail to Complaints@Charterhouseclaims.com
3) by telephone on 0161 711 1966
4) or in any other form in respect of a claims management service that we have provided and that is regulated under the Financial Services and Markets Act 2000.
5.1.2. We will send you a written or electronic acknowledgment of a complaint within five business days of receipt, identifying the person who will be handling the complaint for the business. Wherever possible, that person will not have been directly involved in the matter which is the subject of the complaint and will have the authority to settle the complaint.
5.1.3. Within eight weeks of receiving a complaint we will send you either:
5.1.3.1. a final response which adequately addresses the complaint: or
5.1.3.2. response which:
5.1.3.2.1. Explains why we are still not in apposition to make a final response, giving reasons for the further delay and indicating when we expect to be able to provide a final response; and
5.1.3.2.2. Informs you that you may refer the handling of the complaint to the Claims Management Ombudsman Service if you’re dissatisfied with the delay.
5.2. Where we decide that the redress is appropriate, we will provide you with fair compensation for any acts or omissions for which we are responsible and will comply with any offer of redress which you accept. Appropriate redress will not always involve financial redress.
5.3. If we are unable to resolve your complaint, or if a complaint is not resolved after eight weeks then you can have the complaint independently looked at by the Claims Management Ombudsman Service. The Claims Management Ombudsman Service investigates complaints about poor service from claims management companies. The Claims Management Ombudsman Service can investigate complaints up to six years from the date of the problem happening or within three years of when you found out about the problem. Should you wish to refer your complaint to the Claims Management Ombudsman Service this must be done within six months of our final response to your complaint. If you are not satisfied with our response, or if a complaint is not resolved after eight weeks, you may refer the complaint to –
Writing: Claims Management Ombudsman , Exchange Tower, London E14 9SR
Email: https://cmc.financial-ombudsman.org.uk/
Telephone: 0800 023 4567 (Opening times: Monday to Friday – 8am to 8pm and Saturday – 9am to 1pm)
6.1. You are not required to use a claims management company to make your complaint direct to your product provider (lender/bank etc.) and if unsuccessful to the Claims Management Ombudsman Service for free.
6.2. You acknowledge and agree that the Company may perform an address and finance check on you for the purposes of providing complete information to the third party the claim is being made against.
6.3. The provisions of the Contracts (Rights of Third Parties) Act 1999 are excluded from this agreement which means that only you and we have any rights under this contract. However if you ask us to liaise with anybody else on your behalf in relation to this contract we will do so provided that you give us your written permission.
6.4. Our service is personal to you and for this reason, you are not able to assign this contract to any other person.
6.5. If your account is still active, please be aware that the lender may freeze the facility whilst your complaint is ongoing.
6.6. By making a claim, your account may be closed, and your credit limit may be decreased by the lender.
6.7. We can assign our rights and responsibilities in this contract provided that the person we assign it to agrees to provide the same services to you in accordance with this contract. We will write to you before any assignment is made to ensure that you are aware that it is happening. You have the option to cancel your contract without charge in these circumstances.
6.8. Introducer Fees. If your details have been referred by a third party Charterhouse Claims Ltd may pay them an introducer’s fee.
6.9. You should consider whether you have alternative mechanisms for pursuing a claim i.e. legal expenses insurance.
PRE MARCH 2024 TERMS & CONDITIONS
CHARTERHOUSE CLAIMS LIMITED PRE-CONTRACT INFORMATION AND TERMS AND CONDITIONS OF CONTRACT
THIS DOCUMENT CONTAINS IMPORTANT INFORMATION.
YOU SHOULD READ IT THOROUGHLY BEFORE SIGNING AND YOU SHOULD ONLY SIGN IT IF YOU HAVE READ AND AGREE TO ITS CONTENTS.
1.1. We are Charterhouse Claims Limited (trading as Charterhouse Claims) registered in England and Wales with registered number 07300271, Registered Office Address: Charterhouse Claims LTD, Stafford Court, 145 Washway Road, Sale, Manchester, M33 7PE. Charterhouse Claims Limited is authorised and regulated by the Financial Conduct Authority (FCA) for regulated claims management services. Our firm reference number is: 832999. You can check this on Financial Services Register at https://register.fca.org.uk.
1.2. Charterhouse Claims Limited provide a Mis-sold high cost financial products claims such as (a) payday loan claims (b) doorstep loan claims (c) short term high cost credit claims (d) guarantor loan claims (e) high cost (bad credit) loans (f) Catalogue clams (g) Car finance Claims (h) Unaffordable Lending Claims
1.2.1. Once we have received your completed paperwork we will investigate your claim by obtaining copies of all relevant documentation from your Loan Provider.
1.2.2. When you sign up with Charterhouse Claims and sign the Letter Of Authority, we will look at your credit file at credit-reference agencies (“CRAs”) such as TransUnion, Equifax or Experian. The CRAs will give us credit information about you including information from the electoral register. This credit search is used to check your identity and ensure your claim can be substantiated. We do not use this information to credit score you. The CRAs will add details of our searches and your application to the record which they hold about you.
1.2.3. Where we are investigating your claim(s) and we identify any other Lenders in relation to product types highlighted in point 1.2, we will submit a claim for these to the additional identified lenders unless we are instructed by you differently. Before we submit the claim(s) we will always inform you via e-mail, the T&Cs will always remain the same from the date you have signed with the firm, your statutory rights are not effected in anyway
The identities of the CRAs, their role also as fraud prevention agencies, the data they hold, the ways in which they use and share personal information, data retention periods and your data protection rights with the CRAs are explained in more detail below. This information is also accessible from each of the three main CRAs – clicking on any of these three links will also take you to the same document:
1.2.3. By signing the letter of authority and agreement you provide your consent for your signature to be applied to all documentation necessary to investigate your claims based on the information given. This included any other lenders you have informed us about when submitting your claim.
1.2.4. Once we receive the paperwork from your Loan Provider this will be reviewed to see whether the loan provided was suitable given your needs and circumstances at the point of sale.
1.2.5. If we think your Loan was mis-sold we will submit a claim to the Loan Provider who provided this. They have 8 weeks in which to respond to this. (In exceptional circumstances it may take longer than this.)
1.2.6. If your claim is rejected by your Loan Provider we may submit it to the Financial Ombudsman Service (“FOS”) for consideration. We will ask you before we do this.
1.2.7. If your claim is successful and you receive a reasonable offer of compensation we will charge you our Success Fee as shown in clause 3.1 of this agreement.
1.2.8. If you decline a reasonable offer of compensation which we advise you to accept and which is consistent with the Financial Conduct Authority (“FCA”), and FOS guidelines, our service under this agreement will be complete and we will charge you our Success Fee as shown in clause 3.1 of this agreement.
2.1. You appoint Us as your agent so that we can liaise with your Creditors.
2.2. You must ensure that you always supply truthful and accurate information.
2.3. You must forward promptly any correspondence which you receive regarding your claim to Us.
2.4. You must promptly reply to any request for further information and documents we make.
2.5. You must provide all documents, including in electronic form, in your possession that are relevant to the claim and which give evidence of a fact in the claim.
2.6. You must pay our fees within 10 working days of receipt of redress. You should consider how you will pay our fee if compensation is awarded to you in the form of a reduction in an outstanding balance or arrears, or if you decide to decline a reasonable offer of compensation which we recommend that you accept.
2.7. You ask us to commence work in providing our service to you during the cancellation period set out in clause 4.
2.8. All answers or statements given by you are your responsibility.
3.1. Our Fee is inclusive of VAT and percentage of the total monetary redress offered in a Settlement Proposal; this can be a Cash Award, Balance Reduction, or Combination Award. any compensation which you receive or if you decline a reasonable offer of compensation which we recommend that you accept and which is consistent with the FCA and FOS guidelines, we will charge you.
In the event compensation is paid to us directly You agree that We shall deduct the Success Fee before paying the balance of the Compensation to You. Before deducting Our Success Fee from any Compensation received, We will send an invoice to You which details the amount(s) due to Us and the balance of Compensation due to You. All funds will be held in Our Client Account in accordance with the FCA Account Rules. A copy of Our policy on Monies held in Our Client Account, is available on request.
For the avoidance of doubt where You have more than one successful Claim(s) against one or more Lender, We may deduct from any Compensation paid the Success Fee in respect of each of the Claims from the Compensation received for any one of those Claims.
Below is an illustration of our fees. This illustration should not be taken as an estimate of the amount likely to be recovered as redress if you have a successful claim. The figures below are for illustration purposes only and the amount you pay may be more or less than the amount shown:
| Band | Redress Awarded (£) | What we will charge you (including VAT) (%) | Max Total Fee Payable |
| 1 | 1-1,499 | 36.0 % | £504 |
| 2 | 1,500-9,999 | 33.6 % | £3,000 |
| 3 | 10,000-24,999 | 30.0 % | £6,000 |
| 4 | 25,000-49,999 | 24.0 % | £9,000 |
| 5 | 50,000+ | 18 % | £12,000 |
The table above includes VAT the current rate of 20%.
3.1.1. Closed Accounts – with no outstanding balance
This means the account you are complaining about is now closed or it is a loan account where you have repaid the balance in full.
If your claim is successful, you will receive a Cash Award.
Example:
Mr A received an offer of £2,000
Our Fee is £672 inclusive of VAT leaving Mr A with £1,328 after he paid our fee.
Fee Band 2 Calculation:
£2,000 X 33.6% = £672
3.1.2. Where your balance is reduced to £0, and you receive a cash award which is more than the invoice payable.
A combination refund is where an offer is received when you have an outstanding balance, and the Total Offer is more than your Balance.
In this scenario, the Total Offer received would first be used to reduce your balance to £0 and the remaining amount paid to you as a Cash Award.
Where the Cash Award received is more than the invoice you will receive from us.
Example:
Mrs C Received a Total Offer of £1,000 As Mrs C had an outstanding balance of £500 an amount of £500 was used to reduce her balance to £0
The remaining £500 was provided as a Cash Award.
Our Fee charged is £360 inclusive of VAT leaving Mrs C with £140 after she paid our fee.
Fee Band 1 Calculation:
£1,000 X 36% = £360
3.1.3. Where your balance is reduced to £0 and receive a cash award which is less than the invoice payable.
A combination refund is where an offer is received when you have an outstanding balance, and the Total Offer is more than your Balance.
In this scenario, the Total Offer received would first be used to reduce your balance to £0 and the remaining amount paid to you as a Cash Award.
Where the Cash Award received is less than the invoice you will receive from us, you may need to find an alternative source to pay our fee.
We can provide a payment plan on the difference between the Cash Award and the Invoice Payable.
Example:
Mr D Received a Total Offer of £10,000 As Mr D had an outstanding balance, £7,500 was used to reduce her balance to £0 The remaining £2,500 was provided as a Cash Award
Our Fee charged is £3,000 inclusive of VAT Mr D would need to use the £2,500 Cash Award towards his invoice.
Mr D may need to find an alternative source to pay the remaining fee payable of £500 or arrange a payment plan within 7 days.
Fee Band 3 Calculation:
£10,000 X 30% = £3,000
3.1.4 Where you receive a balance reduction which is less than the balance outstanding:
If the Total Offer is less than your Outstanding Balance, the refund offered would be used to reduce your outstanding balance.
Where this happens, you may need to find an alternative method to pay our invoice.
Example:
Mrs B Received a Total Offer of £4,000 As Mrs B had an outstanding balance, £4,000 the refund was used to reduce her balance to £0
This means she receives no cash award to pay our fee.
Our Fee is £1,344 inclusive of VAT Mrs B may need to find an alternative source to pay our fee or arrange a payment plan within 7 days.
Fee Band 2 Calculation:
£4,000 X 33.6% = £1,344
3.1.5 Accounts in IVAs, DRO or Bankruptcies:
If your account is included in an IVA, DRO or Bankruptcy, any refund received may be provided to your insolvency practitioner.
No longer in the IVA, DRO or Bankruptcy?
Your insolvency practitioner may still have an interest in the account. This means that any compensation received from this claim may be passed to them.
We recommend to first check whether or not they have an interest in the claim.
3.2. You should be aware that compensation means benefit which you receive as a result of our service, there may be situations where the compensation is credited to your loan balance, and you will still have to pay our fee.
3.3. Where redress is paid either to yourself or to your Guarantor you will be liable for our fees.
3.4. If you wish to request a copy of the information, we hold pertaining to you, you may do so by phone, in writing or by email. This information will normally be provided to you in a timely fashion and at no cost, however we may charge a reasonable fee where a request is manifestly unfounded or excessive, particularly if a request is repetitive.
3.5. You may be responsible (subject to a courts discretion) for all costs and expenses incurred by the Company as a result of non-payment of fees, including but not limited to, Court fees, Late Payment Charges and Interest.
3.6. All sums due from the Client which are not paid on the due date (without prejudice to the rights of the Company under the Contract) shall bear interest from day to day at the rate of 8% per annum above the Bank of England base rate.
4.Cancellation
Right to Cancel
Cancellation Notice
To: Charterhouse Claims Limited, 145 Washway Road, Manchester, M33 7PE, info@charterhouseclaims.com, 0161 711
I/We [*] hereby give notice that I/We [*] cancel my/our [*] contract for the supply of the following service [*]
Ordered on [*]/ received o1966 [*]
Name of consumers:
Address of consumers:
Signature of consumers (only if this form is notified on paper):
Date:
[*]Delete as appropriate
5.1. At Charterhouse Claims Ltd we take customer relations very seriously and we always strive to improve our service. Any complaints we do receive will be dealt with quickly and professionally following the guidelines outlined below:
5.1.1. Complaints may be made by any of the following
1) in writing, to the Complaints Officer at Charterhouse Claims Ltd, 145 Washway Road, Manchester, M33 7PE.
2) by e-mail to Complaints@Charterhouseclaims.com
3) by telephone on 0161 711 1966
4) or in any other form in respect of a claims management service that we have provided and that is regulated under the Financial Services and Markets Act 2000.
5.1.2. We will send you a written or electronic acknowledgment of a complaint within five business days of receipt, identifying the person who will be handling the complaint for the business. Wherever possible, that person will not have been directly involved in the matter which is the subject of the complaint and will have the authority to settle the complaint.
5.1.3. Within eight weeks of receiving a complaint we will send you either:
5.1.3.1. a final response which adequately addresses the complaint: or
5.1.3.2. response which:
5.1.3.2.1. Explains why we are still not in apposition to make a final response, giving reasons for the further delay and indicating when we expect to be able to provide a final response; and
5.1.3.2.2. Informs you that you may refer the handling of the complaint to the Claims Management Ombudsman Service if you’re dissatisfied with the delay.
5.2. Where we decide that the redress is appropriate, we will provide you with fair compensation for any acts or omissions for which we are responsible and will comply with any offer of redress which you accept. Appropriate redress will not always involve financial redress.
5.3. If we are unable to resolve your complaint, or if a complaint is not resolved after eight weeks then you can have the complaint independently looked at by the Claims Management Ombudsman Service. The Claims Management Ombudsman Service investigates complaints about poor service from claims management companies. The Claims Management Ombudsman Service can investigate complaints up to six years from the date of the problem happening or within three years of when you found out about the problem. Should you wish to refer your complaint to the Claims Management Ombudsman Service this must be done within six months of our final response to your complaint. If you are not satisfied with our response, or if a complaint is not resolved after eight weeks, you may refer the complaint to –
Writing: Claims Management Ombudsman , Exchange Tower, London E14 9SR
Email: https://cmc.financial-ombudsman.org.uk/
Telephone: 0800 023 4567 (Opening times: Monday to Friday – 8am to 8pm and Saturday – 9am to 1pm)
6.1. You are not required to use a claims management company to make your complaint direct to your product provider (lender/bank etc.) and if unsuccessful to the Claims Management Ombudsman Service for free.
6.2. You acknowledge and agree that the Company may perform an address and finance check on you for the purposes of providing complete information to the third party the claim is being made against.
6.3. The provisions of the Contracts (Rights of Third Parties) Act 1999 are excluded from this agreement which means that only you and we have any rights under this contract. However if you ask us to liaise with anybody else on your behalf in relation to this contract we will do so provided that you give us your written permission.
6.4. Our service is personal to you and for this reason, you are not able to assign this contract to any other person.
6.5. If your account is still active, please be aware that the lender may freeze the facility whilst your complaint is ongoing.
6.6. By making a claim, your account may be closed, and your credit limit may be decreased by the lender.
6.7. We can assign our rights and responsibilities in this contract provided that the person we assign it to agrees to provide the same services to you in accordance with this contract. We will write to you before any assignment is made to ensure that you are aware that it is happening. You have the option to cancel your contract without charge in these circumstances.
6.8. Introducer Fees. If your details have been referred by a third party Charterhouse Claims Ltd may pay them an introducer’s fee.
6.9. You should consider whether you have alternative mechanisms for pursuing a claim i.e. legal expenses insurance.
Everything we do is guided by a simple set of values that put our customers first and drive us to deliver the right outcomes.
0161 711 1966
Monday to Friday - 9am to 5pm
enquiries@charterhouseclaims.com
We aim to reply as promptly as possible
Charterhouse Claims LTD, Stafford Court, 145 Washway Road, Sale, Manchester, M33 7PE.