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Terms & Conditions

TERMS AND CONDITIONS – PPI

1 . Instructions to CLAIMS
a. CLAIMS is a trading name of Claims (London) Limited.
b. I/We request CLAIMS, as sole and exclusive representative, to approach any firm against whom I/we may have a potential claim in order to obtain an appropriate offer of redress. Where appropriate CLAIMS will refer the case to the Financial Ombudsman Service (‘FOS’) or the Financial Services Compensation Scheme (‘FSCS’) on my/our behalf. This request covers bank, credit card, loan and mortgage accounts that may have mis-sold payment protection insurance ‘(PPI’) and/or other complaints.
c. I/we acknowledge that I/we could pursue this claim for no charge against the company either directly or through the Financial Ombudsman Service / FSCS complaint schemes however I/we have chosen not to do so.

2. CLAIMS’ Obligations
a. CLAIMS will formulate and submit a complaint to the relevant party to obtain information on the PPI policy and determine liability.
b. CLAIMS will answer requests for information wherever possible and notify the client if further information or action is required.
c. Where necessary or appropriate, CLAIMS will arrange to submit the case to FOS or to FSCS.

3. Client Obligations
a. I/We agree to help and co-operate with CLAIMS as far as is reasonably possible to provide information relevant to my/our complaint and undertake to respond promptly to requests for information from CLAIMS, FOS, FSCS or any other relevant party. I/We confirm we have supplied CLAIMS with all documents related to the claim that I/We know about.
b. I/We agree promptly to inform and disclose to CLAIMS details of any offer of redress received provided CLAIMS has not already told me/us about it.
c. Upon receipt of an offer of redress I/we agree to notify CLAIMS promptly as to whether I/we wish to accept or reject the offer. In the event that I/we reject an offer of compensation made in accordance with FOS, FSCS or FCA guidelines I/we understand the full fee shall be payable.
d. I/We understand that in the majority of cases regarding complaints about PPI policies, the policy will be cancelled. If I/we still have active PPI policies I/we understand it is my/our responsibility to obtain cover elsewhere if I/we still wish to have this protection.
e. I/We agree not to instruct any other claims management company or other party to process complaints while this contract is in force.
I/We understand that if I/we fail to comply with my/our obligations above CLAIMS will give me/us a reasonable opportunity to remedy the breach where possible. In the event of material breaches or those that cannot be remedied CLAIMS reserves the right to terminate the contract and charge its reasonable costs based on the time spent on the case calculated as detailed at section 6a of this agreement. I/we understand CLAIMS will notify me/us in writing if this occurs.

4. Fees
a. If during the period this contact is in force the firm agrees to pay me/us compensation I/we agree to notify CLAIMS. I/we agree to settle CLAIMS’ bill in full within 14 days of receipt of our invoice.
b. If my/our claim is not successful CLAIMS will not charge any fee unless I/we cancel this agreement after more than 14 days (see Clause 6).
c. CLAIMS shall charge a success fee of 25% plus VAT of the compensation awarded. Examples are shown below:
Example A
All compensation is “cash in hand”
Total Compensation: £3000
Of which cash £3000
Fee charged @ 25% £750
VAT@20% £150
Total Fee £900
amount consumer receives minus our fee £2100
(no reduction in loan as it has already been paid off in full)

Example B
Compensation is used to offset arrears consumer has on credit card.
Total Compensation: £3000
Of which cash is £0
Arrears balance reduced by £3000
Fee charged @ 25% £750
VAT@20% £150
Total Fee £900
Consumer pays £900
(and a reduction of £3000 on their credit card arrears)
Leading to total financial benefit of £2100 to the consumer. Example C
Compensation includes ‘cash in hand’ award with loan and future instalment reduction.
Total Compensation: £3000
Of which cash £1000
Loan reduction £2000
Fee charged @ 25% £750
VAT@20% £150
Total Fee £900
Net cash amount consumer Receives £100
(and a reduction of £2000 in future loan instalments)
Leading to total financial benefit of £2100 to the consumer.

d. No fee is charged on the surrender value of the PPI policy.
e. If your account is in arrears, some or all of the compensation awarded will be used to clear or reduce the debt and you may not receive any payment directly. In this case CLAIMS’ full fee is payable as above.
f. If CLAIMS obtains an offer of compensation in line with FCA, FSCS or FOS guidelines that you wish to reject, the full fee of the claims will be payable as if you had accepted the offer.

5. Late Payment
a. In the event that any invoice remains unpaid after 14 days, CLAIMS shall reserve the right to charge interest on the outstanding balance at the prevailing court rate of 8% per annum.
b. In the event that CLAIMS has to take steps to recover any amount owed to it under this contract it reserves the right to request that all costs related to the recovery, including, administration costs, court fees, and bailiff fees are added to the amount owing.

6. Right to Cancel
a. I/We reserve the right to terminate this agreement at any time. If I/We cancel this agreement within the first 14 days no charge will be payable. If I/we cancel after 14 days a cancellation fee will be payable equal to the reasonable costs incurred by CLAIMS in processing your claim; this will be based upon the time spent on your case at our rate of £50 plus VAT per hour subject to a cap based on the amount that would be due if the case was successful.
b. If I/we wish to terminate the agreement I/we agree to either cancel this verbally, in writing or by using the cancellation form available at claims-uk.co.uk or supplied upon request or by making any other clear statement of the intention to cancel.
c. If this notice to terminate is received after an offer of compensation has been made (whether or not this has been received by CLAIMS or the client at the date of termination) or either party has been notified that the claims will be upheld the full fee is payable regardless of whether or not you chose to accept the offer.

7. Other Details
a. I/We understand that there are strict time limits for cases and that processing a case through the FOS may restrict my/our rights to take legal action. Clients who may wish to take legal action should consult with a solicitor about possible time limits. CLAIMS will not be liable for losses as a result of circumstances beyond its control.
b. CLAIMS will hold personal information in accordance with its privacy policy which will be supplied on request. Data is held in accordance with the Data Protection Act 1998.
c. CLAIMS reserves the right to assign this agreement and all rights under it. If CLAIMS does so it will be on the same terms as this original agreement. If CLAIMS does assign this agreement we will be notified and I/we will be given the option to cancel this agreement.
d. Complaints about CLAIMS will be processed in accordance with its internal complaint procedure which is available at www.claims-uk.co.uk and will be supplied on request.

VERSION PPI25/09.2016

SIGNED
DATE

TERMS AND CONDITIONS – INVESTMENT CASES

** THE PERCENTAGE CHARGED WILL DEPEND UPON THE DETAILS OF YOUR CASE - DIFFERENT TERMS AND CONDITONS ARE BELOW** 

PLEASE ALSO MAKE SURE YOU READ AND AGREE THE SPECIFIC TERMS AND CONDITIONS THAT WILL BE SUPPLIED TO YOU BEFORE WE TAKE ON YOUR CASE

40% CLIENT AGREEMENT

1. Instructions to CLAIMS
a. CLAIMS is a trading name of CLAIMS (London) Ltd. of Barry House, 20-22 Worple Road, London, SW19 4DH
b. I/We request CLAIMS, as sole and exclusive agent, to approach any firm against whom I/we may have a potential claim in order to obtain an appropriate offer of redress. Where appropriate CLAIMS will refer the case to the Financial Ombudsman Service or FSCS on my/our behalf. This request covers requests and complaints regarding investment or insurance advice or other complaints that CLAIMS may be able to help me/us with.
c. I/we acknowledge that I/we could pursue this claim for no charge against the company either directly or through the Financial Ombudsman Service / FSCS complaint schemes however I/we have chosen not to do so.

2. CLAIMS’ Obligations
a. CLAIMS will request information regarding the products and related documents and where appropriate formulate and submit a complaint to the company that sold the product. CLAIMS may also need to contact other parties to obtain information and determine details of the policy and liability.
b. CLAIMS will answer requests for information wherever possible and notify me/us if further information or action is required.
c. CLAIMS will also arrange to submit the case to the Financial Ombudsman Service (FOS) or the Financial Services Compensation Scheme (FSCS) as appropriate.

3. Client Obligations
a. I/We agree to help CLAIMS as far as possible by providing information relevant to my/our complaint and undertake to respond promptly to requests for information from CLAIMS. I/We confirm I/we have supplied CLAIMS with all documents related to the claim that I/We know about. 
b. I/We agree to inform CLAIMS promptly of any offer of redress received if CLAIMS has not already told me/us about it.
c. On receipt of an offer of redress I/we agree to notify CLAIMS promptly whether I/we wish to accept or reject the offer. In the event that I/we reject an offer made in accordance with FOS, FSCS or FCA guidelines I/we understand the full fee is payable.
d. I/we have not instructed any other party to process complaints about the matters raised with CLAIMS and agree not to do so while this contract is in force.
e. I/We understand that when I/we fail to comply with my/our obligations above CLAIMS will give me/us a reasonable opportunity to remedy the breach where possible. In the event of material breaches or those that cannot be remedied CLAIMS reserves the right to terminate the contract and charge its reasonable costs based on the time spent on the case calculated as detailed at section 6a of this agreement. I/we understand CLAIMS will notify me/us in writing if this occurs.

4. Fees
a. If after CLAIMS has lodged a complaint for me/us the firm against whom the complaint was lodged agrees to pay me/us compensation whatever the circumstances may be I/we agree to settle CLAIMS’ bill within 14 days of receipt of the invoice.
b. CLAIMS’ fee will amount to 40% of the compensation received plus VAT. This fee is not charged on the surrender value (if any) of the investment.
For example

 Active Investment  Closed Investment 
Value of investment at time of complaint£0 £10,000
Compensation amount including interest
£2,000 £2,000
Fee @ 40% £800£800 
VAT @ 20%£160£160
Total to pay CLAIMS£960£960
Client Receives£1,040£1,040 
Plus the value of the investment
if they surrender it.



c. IF MY/OUR CLAIM IS NOT SUCCESSFUL CLAIMS WILL CHARGE ME/US NOTHING AT ALL FOR THE WORK IT HAS DONE UNLESS I/WE CANCEL THIS AGREEMENT AFTER MORE THAN 14 DAYS – SEE CLAUSE 6 BELOW.
d. If CLAIMS obtains an offer of compensation in line with FCA, FOS or FSCS guidance that I/we decide to reject, the full fee of the claim will be payable as if I/we had accepted the offer.

5. Late Payment
a. In the event that any invoice remains unpaid after 14 days, CLAIMS shall reserve the right to charge interest on the outstanding balance at the prevailing court rate (currently 8% per annum).
b. In the event that CLAIMS has to take steps to recover any amount owed to it under this contract it reserves the right to request that all costs related to the recovery, including, administration costs, court fees, and bailiff fees are added to the amount owing.

6. Right to cancel
a. I/We reserve the right to terminate this agreement at any time. If I/We cancel this agreement within the first 14 days no charge will be payable (except under clause 6c). If I/we cancel after 14 days a cancellation fee will be payable equal to the reasonable costs incurred by CLAIMS in processing my/our claim. This will be based upon the time spent on the case charged at the following rates: £100 plus VAT per hour for junior staff; £180 plus VAT for senior staff and £250 plus VAT for work by the director of CLAIMS. This will be capped to what is reasonable in the circumstances of the case and will be no more than the amount that would be charged if the case was successful.
b. If I/we wish to terminate the agreement I/we agree to either cancel this verbally, in writing or by using the cancellation form available at claims-uk.co.uk or supplied upon request or making any other clear statement of the intention to cancel.
c. If this notice to terminate is received after 14 days and after an offer of compensation in line with FCA, FOS or FSCS guidance has been made (whether or not this has been received by CLAIMS or myself/ourselves at the date of termination) or either party has been notified that the claim will be upheld the full fee is payable regardless of whether I/we choose to accept the offer or not.

7. Other details
a. I/we understand that there are strict time limits for cases and that processing a case through the Financial Ombudsman Service may restrict my/our rights to take legal action. If I/we may wish to take legal action I understand I/we should consult with a solicitor about possible time-limits. CLAIMS will not be liable for losses as a result of circumstances beyond its control.
b. CLAIMS will hold personal information in accordance with its privacy policy which will be supplied on request. Data is held in accordance with the Data Protection Act 1998.
c. CLAIMS reserves the right to assign this agreement and all rights under it. If CLAIMS does so it will be on the same terms as this original agreement. If CLAIMS does assign this agreement we will be notified and I/we will be given the option to cancel this agreement.
d. Complaints about CLAIMS will be processed in accordance with its internal complaints procedure which is available at www.claims-uk.co.uk and will be supplied upon request.


Version 40/09.2016
SIGNED
DATE

35% CLIENT AGREEMENT

1. Instructions to CLAIMS
a. CLAIMS is a trading name of CLAIMS (London) Ltd. of Barry House, 20-22 Worple Road, London, SW19 4DH
b. I/We request CLAIMS, as sole and exclusive agent, to approach any firm against whom I/we may have a potential claim in order to obtain an appropriate offer of redress. Where appropriate CLAIMS will refer the case to the Financial Ombudsman Service or FSCS on my/our behalf. This request covers requests and complaints regarding investment or insurance advice or other complaints that CLAIMS may be able to help me/us with.
c. I/we acknowledge that I/we could pursue this claim for no charge against the company either directly or through the Financial Ombudsman Service / FSCS complaint schemes however I/we have chosen not to do so. 

2. CLAIMS’ Obligations
a. CLAIMS will request information regarding the products and related documents and where appropriate formulate and submit a complaint to the company that sold the product. CLAIMS may also need to contact other parties to obtain information and determine details of the policy and liability.
b. CLAIMS will answer requests for information wherever possible and notify me/us if further information or action is required.
c. CLAIMS will also arrange to submit the case to the Financial Ombudsman Service (FOS) or the Financial Services Compensation Scheme (FSCS) as appropriate.

3. Client Obligations
a. I/We agree to help CLAIMS as far as possible by providing information relevant to my/our complaint and undertake to respond promptly to requests for information from CLAIMS. I/We confirm I/we have supplied CLAIMS with all documents related to the claim that I/We know about. 
b. I/We agree to inform CLAIMS promptly of any offer of redress received if CLAIMS has not already told me/us about it.
c. On receipt of an offer of redress I/we agree to notify CLAIMS promptly whether I/we wish to accept or reject the offer. In the event that I/we reject an offer made in accordance with FOS, FSCS or FCA guidelines I/we understand the full fee is payable.
d. I/we have not instructed any other party to process complaints about the matters raised with CLAIMS and agree not to do so while this contract is in force.
e. I/We understand that when I/we fail to comply with my/our obligations above CLAIMS will give me/us a reasonable opportunity to remedy the breach where possible. In the event of material breaches or those that cannot be remedied CLAIMS reserves the right to terminate the contract and charge its reasonable costs based on the time spent on the case calculated as detailed at section 6a of this agreement. I/we understand CLAIMS will notify me/us in writing if this occurs.

4. Fees
a. If after CLAIMS has lodged a complaint for me/us the firm against whom the complaint was lodged agrees to pay me/us compensation whatever the circumstances may be I/we agree to settle CLAIMS’ bill within 14 days of receipt of the invoice.
b. CLAIMS’ fee will amount to 35% of the compensation received plus VAT. This fee is not charged on the surrender value (if any) of the investment. 
For example

 Active Investment  Closed Investment 
Value of investment at time of complaint£0 £10,000
Compensation amount including interest
£2,000 £2,000
Fee @ 35% £700£700 
VAT @ 20%£140£140
Total to pay CLAIMS£840£840
Client Receives£1,160£1,160 
Plus the value of the investment 
if they surrender it.



c. IF MY/OUR CLAIM IS NOT SUCCESSFUL CLAIMS WILL CHARGE ME/US NOTHING AT ALL FOR THE WORK IT HAS DONE UNLESS I/WE CANCEL THIS AGREEMENT AFTER MORE THAN 14 DAYS – SEE CLAUSE 6 BELOW.
d. If CLAIMS obtains an offer of compensation in line with FCA, FOS or FSCS guidance that I/we decide to reject, the full fee of the claim will be payable as if I/we had accepted the offer.

5. Late Payment
a. In the event that any invoice remains unpaid after 14 days, CLAIMS shall reserve the right to charge interest on the outstanding balance at the prevailing court rate (currently 8% per annum).
b. In the event that CLAIMS has to take steps to recover any amount owed to it under this contract it reserves the right to request that all costs related to the recovery, including, administration costs, court fees, and bailiff fees are added to the amount owing.

6. Right to cancel
a. I/We reserve the right to terminate this agreement at any time. If I/We cancel this agreement within the first 14 days no charge will be payable (except under clause 6c). If I/we cancel after 14 days a cancellation fee will be payable equal to the reasonable costs incurred by CLAIMS in processing my/our claim. This will be based upon the time spent on the case charged at the following rates: £100 plus VAT per hour for junior staff; £180 plus VAT for senior staff and £250 plus VAT for work by the director of CLAIMS. This will be capped to what is reasonable in the circumstances of the case and will be no more than the amount that would be charged if the case was successful.
b. If I/we wish to terminate the agreement I/we agree to either cancel this verbally, in writing or by using the cancellation form available at claims-uk.co.uk or supplied upon request or making any other clear statement of the intention to cancel.
c. If this notice to terminate is received after 14 days and after an offer of compensation in line with FCA, FOS or FSCS guidance has been made (whether or not this has been received by CLAIMS or myself/ourselves at the date of termination) or either party has been notified that the claim will be upheld the full fee is payable regardless of whether I/we choose to accept the offer or not.

7. Other details
a. I/we understand that there are strict time limits for cases and that processing a case through the Financial Ombudsman Service may restrict my/our rights to take legal action. If I/we may wish to take legal action I understand I/we should consult with a solicitor about possible time-limits. CLAIMS will not be liable for losses as a result of circumstances beyond its control. 
b. CLAIMS will hold personal information in accordance with its privacy policy which will be supplied on request. Data is held in accordance with the Data Protection Act 1998. 
c. CLAIMS reserves the right to assign this agreement and all rights under it. If CLAIMS does so it will be on the same terms as this original agreement. If CLAIMS does assign this agreement we will be notified and I/we will be given the option to cancel this agreement.
d. Complaints about CLAIMS will be processed in accordance with its internal complaints procedure which is available at www.claims-uk.co.uk and will be supplied upon request. 


Version 35/09.2016
SIGNED
DATE

30% CLIENT AGREEMENT

1. Instructions to CLAIMS
a. CLAIMS is a trading name of CLAIMS (London) Ltd. of Barry House, 20-22 Worple Road, London, SW19 4DH
b. I/We request CLAIMS, as sole and exclusive agent, to approach any firm against whom I/we may have a potential claim in order to obtain an appropriate offer of redress. Where appropriate CLAIMS will refer the case to the Financial Ombudsman Service or FSCS on my/our behalf. This request covers requests and complaints regarding investment or insurance advice or other complaints that CLAIMS may be able to help me/us with.
c. I/we acknowledge that I/we could pursue this claim for no charge against the company either directly or through the Financial Ombudsman Service / FSCS complaint schemes however I/we have chosen not to do so. 

2. CLAIMS’ Obligations
a. CLAIMS will request information regarding the products and related documents and where appropriate formulate and submit a complaint to the company that sold the product. CLAIMS may also need to contact other parties to obtain information and determine details of the policy and liability.
b. CLAIMS will answer requests for information wherever possible and notify me/us if further information or action is required.
c. CLAIMS will also arrange to submit the case to the Financial Ombudsman Service (FOS) or the Financial Services Compensation Scheme (FSCS) as appropriate.

3. Client Obligations
a. I/We agree to help CLAIMS as far as possible by providing information relevant to my/our complaint and undertake to respond promptly to requests for information from CLAIMS. I/We confirm I/we have supplied CLAIMS with all documents related to the claim that I/We know about. 
b. I/We agree to inform CLAIMS promptly of any offer of redress received if CLAIMS has not already told me/us about it.
c. On receipt of an offer of redress I/we agree to notify CLAIMS promptly whether I/we wish to accept or reject the offer. In the event that I/we reject an offer made in accordance with FOS, FSCS or FCA guidelines I/we understand the full fee is payable.
d. I/we have not instructed any other party to process complaints about the matters raised with CLAIMS and agree not to do so while this contract is in force.
e. I/We understand that when I/we fail to comply with my/our obligations above CLAIMS will give me/us a reasonable opportunity to remedy the breach where possible. In the event of material breaches or those that cannot be remedied CLAIMS reserves the right to terminate the contract and charge its reasonable costs based on the time spent on the case calculated as detailed at section 6a of this agreement. I/we understand CLAIMS will notify me/us in writing if this occurs.

4. Fees
a. If after CLAIMS has lodged a complaint for me/us the firm against whom the complaint was lodged agrees to pay me/us compensation whatever the circumstances may be I/we agree to settle CLAIMS’ bill within 14 days of receipt of the invoice.
b. CLAIMS’ fee will amount to 30% of the compensation received plus VAT. This fee is not charged on the surrender value (if any) of the investment. 
For example

 Active Investment  Closed Investment 
Value of investment at time of complaint£0 £10,000
Compensation amount including interest
£2,000 £2,000
Fee @ 30% £600£600 
VAT @ 20%£120£120
Total to pay CLAIMS£720£720
Client Receives£1,280£1,280 
Plus the value of the investment 
if they surrender it.



c. IF MY/OUR CLAIM IS NOT SUCCESSFUL CLAIMS WILL CHARGE ME/US NOTHING AT ALL FOR THE WORK IT HAS DONE UNLESS I/WE CANCEL THIS AGREEMENT AFTER MORE THAN 14 DAYS – SEE CLAUSE 6 BELOW.
d. If CLAIMS obtains an offer of compensation in line with FCA, FOS or FSCS guidance that I/we decide to reject, the full fee of the claim will be payable as if I/we had accepted the offer.

5. Late Payment
a. In the event that any invoice remains unpaid after 14 days, CLAIMS shall reserve the right to charge interest on the outstanding balance at the prevailing court rate (currently 8% per annum).
b. In the event that CLAIMS has to take steps to recover any amount owed to it under this contract it reserves the right to request that all costs related to the recovery, including, administration costs, court fees, and bailiff fees are added to the amount owing.

6. Right to cancel
a. I/We reserve the right to terminate this agreement at any time. If I/We cancel this agreement within the first 14 days no charge will be payable (except under clause 6c). If I/we cancel after 14 days a cancellation fee will be payable equal to the reasonable costs incurred by CLAIMS in processing my/our claim. This will be based upon the time spent on the case charged at the following rates: £100 plus VAT per hour for junior staff; £180 plus VAT for senior staff and £250 plus VAT for work by the director of CLAIMS. This will be capped to what is reasonable in the circumstances of the case and will be no more than the amount that would be charged if the case was successful.
b. If I/we wish to terminate the agreement I/we agree to either cancel this verbally, in writing or by using the cancellation form available at claims-uk.co.uk or supplied upon request or making any other clear statement of the intention to cancel.
c. If this notice to terminate is received after 14 days and after an offer of compensation in line with FCA, FOS or FSCS guidance has been made (whether or not this has been received by CLAIMS or myself/ourselves at the date of termination) or either party has been notified that the claim will be upheld the full fee is payable regardless of whether I/we choose to accept the offer or not.

7. Other details
a. I/we understand that there are strict time limits for cases and that processing a case through the Financial Ombudsman Service may restrict my/our rights to take legal action. If I/we may wish to take legal action I understand I/we should consult with a solicitor about possible time-limits. CLAIMS will not be liable for losses as a result of circumstances beyond its control. 
b. CLAIMS will hold personal information in accordance with its privacy policy which will be supplied on request. Data is held in accordance with the Data Protection Act 1998. 
c. CLAIMS reserves the right to assign this agreement and all rights under it. If CLAIMS does so it will be on the same terms as this original agreement. If CLAIMS does assign this agreement we will be notified and I/we will be given the option to cancel this agreement.
d. Complaints about CLAIMS will be processed in accordance with its internal complaints procedure which is available at www.claims-uk.co.uk and will be supplied upon request. 


Version 30/09.2016
SIGNED
DATE

25% CLIENT AGREEMENT

1. Instructions to CLAIMS
a. CLAIMS is a trading name of CLAIMS (London) Ltd. of Barry House, 20-22 Worple Road, London, SW19 4DH
b. I/We request CLAIMS, as sole and exclusive agent, to approach any firm against whom I/we may have a potential claim in order to obtain an appropriate offer of redress. Where appropriate CLAIMS will refer the case to the Financial Ombudsman Service or FSCS on my/our behalf. This request covers requests and complaints regarding investment or insurance advice or other complaints that CLAIMS may be able to help me/us with.
c. I/we acknowledge that I/we could pursue this claim for no charge against the company either directly or through the Financial Ombudsman Service / FSCS complaint schemes however I/we have chosen not to do so. 

2. CLAIMS’ Obligations
a. CLAIMS will request information regarding the products and related documents and where appropriate formulate and submit a complaint to the company that sold the product. CLAIMS may also need to contact other parties to obtain information and determine details of the policy and liability.
b. CLAIMS will answer requests for information wherever possible and notify me/us if further information or action is required.
c. CLAIMS will also arrange to submit the case to the Financial Ombudsman Service (FOS) or the Financial Services Compensation Scheme (FSCS) as appropriate.

3. Client Obligations
a. I/We agree to help CLAIMS as far as possible by providing information relevant to my/our complaint and undertake to respond promptly to requests for information from CLAIMS. I/We confirm I/we have supplied CLAIMS with all documents related to the claim that I/We know about. 
b. I/We agree to inform CLAIMS promptly of any offer of redress received if CLAIMS has not already told me/us about it.
c. On receipt of an offer of redress I/we agree to notify CLAIMS promptly whether I/we wish to accept or reject the offer. In the event that I/we reject an offer made in accordance with FOS, FSCS or FCA guidelines I/we understand the full fee is payable.
d. I/we have not instructed any other party to process complaints about the matters raised with CLAIMS and agree not to do so while this contract is in force.
e. I/We understand that when I/we fail to comply with my/our obligations above CLAIMS will give me/us a reasonable opportunity to remedy the breach where possible. In the event of material breaches or those that cannot be remedied CLAIMS reserves the right to terminate the contract and charge its reasonable costs based on the time spent on the case calculated as detailed at section 6a of this agreement. I/we understand CLAIMS will notify me/us in writing if this occurs.

4. Fees
a. If after CLAIMS has lodged a complaint for me/us the firm against whom the complaint was lodged agrees to pay me/us compensation whatever the circumstances may be I/we agree to settle CLAIMS’ bill within 14 days of receipt of the invoice.
b. CLAIMS’ fee will amount to 25% of the compensation received plus VAT. This fee is not charged on the surrender value (if any) of the investment. 
For example

 Active Investment  Closed Investment 
Value of investment at time of complaint£0 £10,000
Compensation amount including interest
£2,000 £2,000
Fee @ 25% £500£500 
VAT @ 20%£100£100
Total to pay CLAIMS£600£600
Client Receives£1,400£1,400 
Plus the value of the investment 
if they surrender it.



c. IF MY/OUR CLAIM IS NOT SUCCESSFUL CLAIMS WILL CHARGE ME/US NOTHING AT ALL FOR THE WORK IT HAS DONE UNLESS I/WE CANCEL THIS AGREEMENT AFTER MORE THAN 14 DAYS – SEE CLAUSE 6 BELOW.
d. If CLAIMS obtains an offer of compensation in line with FCA, FOS or FSCS guidance that I/we decide to reject, the full fee of the claim will be payable as if I/we had accepted the offer.

5. Late Payment
a. In the event that any invoice remains unpaid after 14 days, CLAIMS shall reserve the right to charge interest on the outstanding balance at the prevailing court rate (currently 8% per annum).
b. In the event that CLAIMS has to take steps to recover any amount owed to it under this contract it reserves the right to request that all costs related to the recovery, including, administration costs, court fees, and bailiff fees are added to the amount owing.

6. Right to cancel
a. I/We reserve the right to terminate this agreement at any time. If I/We cancel this agreement within the first 14 days no charge will be payable (except under clause 6c). If I/we cancel after 14 days a cancellation fee will be payable equal to the reasonable costs incurred by CLAIMS in processing my/our claim. This will be based upon the time spent on the case charged at the following rates: £100 plus VAT per hour for junior staff; £180 plus VAT for senior staff and £250 plus VAT for work by the director of CLAIMS. This will be capped to what is reasonable in the circumstances of the case and will be no more than the amount that would be charged if the case was successful.
b. If I/we wish to terminate the agreement I/we agree to either cancel this verbally, in writing or by using the cancellation form available at claims-uk.co.uk or supplied upon request or making any other clear statement of the intention to cancel.
c. If this notice to terminate is received after 14 days and after an offer of compensation in line with FCA, FOS or FSCS guidance has been made (whether or not this has been received by CLAIMS or myself/ourselves at the date of termination) or either party has been notified that the claim will be upheld the full fee is payable regardless of whether I/we choose to accept the offer or not.

7. Other details
a. I/we understand that there are strict time limits for cases and that processing a case through the Financial Ombudsman Service may restrict my/our rights to take legal action. If I/we may wish to take legal action I understand I/we should consult with a solicitor about possible time-limits. CLAIMS will not be liable for losses as a result of circumstances beyond its control. 
b. CLAIMS will hold personal information in accordance with its privacy policy which will be supplied on request. Data is held in accordance with the Data Protection Act 1998. 
c. CLAIMS reserves the right to assign this agreement and all rights under it. If CLAIMS does so it will be on the same terms as this original agreement. If CLAIMS does assign this agreement we will be notified and I/we will be given the option to cancel this agreement.
d. Complaints about CLAIMS will be processed in accordance with its internal complaints procedure which is available at www.claims-uk.co.uk and will be supplied upon request. 


Version 25/09.2016
SIGNED
DATE

20% CLIENT AGREEMENT

1. Instructions to CLAIMS
a. CLAIMS is a trading name of CLAIMS (London) Ltd. of Barry House, 20-22 Worple Road, London, SW19 4DH
b. I/We request CLAIMS, as sole and exclusive agent, to approach any firm against whom I/we may have a potential claim in order to obtain an appropriate offer of redress. Where appropriate CLAIMS will refer the case to the Financial Ombudsman Service or FSCS on my/our behalf. This request covers requests and complaints regarding investment or insurance advice or other complaints that CLAIMS may be able to help me/us with.
c. I/we acknowledge that I/we could pursue this claim for no charge against the company either directly or through the Financial Ombudsman Service / FSCS complaint schemes however I/we have chosen not to do so. 

2. CLAIMS’ Obligations
a. CLAIMS will request information regarding the products and related documents and where appropriate formulate and submit a complaint to the company that sold the product. CLAIMS may also need to contact other parties to obtain information and determine details of the policy and liability.
b. CLAIMS will answer requests for information wherever possible and notify me/us if further information or action is required.
c. CLAIMS will also arrange to submit the case to the Financial Ombudsman Service (FOS) or the Financial Services Compensation Scheme (FSCS) as appropriate.

3. Client Obligations
a. I/We agree to help CLAIMS as far as possible by providing information relevant to my/our complaint and undertake to respond promptly to requests for information from CLAIMS. I/We confirm I/we have supplied CLAIMS with all documents related to the claim that I/We know about. 
b. I/We agree to inform CLAIMS promptly of any offer of redress received if CLAIMS has not already told me/us about it.
c. On receipt of an offer of redress I/we agree to notify CLAIMS promptly whether I/we wish to accept or reject the offer. In the event that I/we reject an offer made in accordance with FOS, FSCS or FCA guidelines I/we understand the full fee is payable.
d. I/we have not instructed any other party to process complaints about the matters raised with CLAIMS and agree not to do so while this contract is in force.
e. I/We understand that when I/we fail to comply with my/our obligations above CLAIMS will give me/us a reasonable opportunity to remedy the breach where possible. In the event of material breaches or those that cannot be remedied CLAIMS reserves the right to terminate the contract and charge its reasonable costs based on the time spent on the case calculated as detailed at section 6a of this agreement. I/we understand CLAIMS will notify me/us in writing if this occurs.

4. Fees
a. If after CLAIMS has lodged a complaint for me/us the firm against whom the complaint was lodged agrees to pay me/us compensation whatever the circumstances may be I/we agree to settle CLAIMS’ bill within 14 days of receipt of the invoice.
b. CLAIMS’ fee will amount to 20% of the compensation received plus VAT. This fee is not charged on the surrender value (if any) of the investment. 
For example

 Active Investment  Closed Investment 
Value of investment at time of complaint£0 £10,000
Compensation amount including interest
£2,000 £2,000
Fee @ 40% £400£400 
VAT @ 20%£80£80
Total to pay CLAIMS£480£480
Client Receives£1,520£1,520 
Plus the value of the investment 
if they surrender it.



c. IF MY/OUR CLAIM IS NOT SUCCESSFUL CLAIMS WILL CHARGE ME/US NOTHING AT ALL FOR THE WORK IT HAS DONE UNLESS I/WE CANCEL THIS AGREEMENT AFTER MORE THAN 14 DAYS – SEE CLAUSE 6 BELOW.
d. If CLAIMS obtains an offer of compensation in line with FCA, FOS or FSCS guidance that I/we decide to reject, the full fee of the claim will be payable as if I/we had accepted the offer.

5. Late Payment
a. In the event that any invoice remains unpaid after 14 days, CLAIMS shall reserve the right to charge interest on the outstanding balance at the prevailing court rate (currently 8% per annum).
b. In the event that CLAIMS has to take steps to recover any amount owed to it under this contract it reserves the right to request that all costs related to the recovery, including, administration costs, court fees, and bailiff fees are added to the amount owing.

6. Right to cancel
a. I/We reserve the right to terminate this agreement at any time. If I/We cancel this agreement within the first 14 days no charge will be payable (except under clause 6c). If I/we cancel after 14 days a cancellation fee will be payable equal to the reasonable costs incurred by CLAIMS in processing my/our claim. This will be based upon the time spent on the case charged at the following rates: £100 plus VAT per hour for junior staff; £180 plus VAT for senior staff and £250 plus VAT for work by the director of CLAIMS. This will be capped to what is reasonable in the circumstances of the case and will be no more than the amount that would be charged if the case was successful.
b. If I/we wish to terminate the agreement I/we agree to either cancel this verbally, in writing or by using the cancellation form available at claims-uk.co.uk or supplied upon request or making any other clear statement of the intention to cancel.
c. If this notice to terminate is received after 14 days and after an offer of compensation in line with FCA, FOS or FSCS guidance has been made (whether or not this has been received by CLAIMS or myself/ourselves at the date of termination) or either party has been notified that the claim will be upheld the full fee is payable regardless of whether I/we choose to accept the offer or not.

7. Other details
a. I/we understand that there are strict time limits for cases and that processing a case through the Financial Ombudsman Service may restrict my/our rights to take legal action. If I/we may wish to take legal action I understand I/we should consult with a solicitor about possible time-limits. CLAIMS will not be liable for losses as a result of circumstances beyond its control. 
b. CLAIMS will hold personal information in accordance with its privacy policy which will be supplied on request. Data is held in accordance with the Data Protection Act 1998. 
c. CLAIMS reserves the right to assign this agreement and all rights under it. If CLAIMS does so it will be on the same terms as this original agreement. If CLAIMS does assign this agreement we will be notified and I/we will be given the option to cancel this agreement.
d. Complaints about CLAIMS will be processed in accordance with its internal complaints procedure which is available at www.claims-uk.co.uk and will be supplied upon request. 


Version 20/09.2016
SIGNED
DATE

15% CLIENT AGREEMENT

1. Instructions to CLAIMS
a. CLAIMS is a trading name of CLAIMS (London) Ltd. of Barry House, 20-22 Worple Road, London, SW19 4DH
b. I/We request CLAIMS, as sole and exclusive agent, to approach any firm against whom I/we may have a potential claim in order to obtain an appropriate offer of redress. Where appropriate CLAIMS will refer the case to the Financial Ombudsman Service or FSCS on my/our behalf. This request covers requests and complaints regarding investment or insurance advice or other complaints that CLAIMS may be able to help me/us with.
c. I/we acknowledge that I/we could pursue this claim for no charge against the company either directly or through the Financial Ombudsman Service / FSCS complaint schemes however I/we have chosen not to do so. 

2. CLAIMS’ Obligations
a. CLAIMS will request information regarding the products and related documents and where appropriate formulate and submit a complaint to the company that sold the product. CLAIMS may also need to contact other parties to obtain information and determine details of the policy and liability.
b. CLAIMS will answer requests for information wherever possible and notify me/us if further information or action is required.
c. CLAIMS will also arrange to submit the case to the Financial Ombudsman Service (FOS) or the Financial Services Compensation Scheme (FSCS) as appropriate.

3. Client Obligations
a. I/We agree to help CLAIMS as far as possible by providing information relevant to my/our complaint and undertake to respond promptly to requests for information from CLAIMS. I/We confirm I/we have supplied CLAIMS with all documents related to the claim that I/We know about. 
b. I/We agree to inform CLAIMS promptly of any offer of redress received if CLAIMS has not already told me/us about it.
c. On receipt of an offer of redress I/we agree to notify CLAIMS promptly whether I/we wish to accept or reject the offer. In the event that I/we reject an offer made in accordance with FOS, FSCS or FCA guidelines I/we understand the full fee is payable.
d. I/we have not instructed any other party to process complaints about the matters raised with CLAIMS and agree not to do so while this contract is in force.
e. I/We understand that when I/we fail to comply with my/our obligations above CLAIMS will give me/us a reasonable opportunity to remedy the breach where possible. In the event of material breaches or those that cannot be remedied CLAIMS reserves the right to terminate the contract and charge its reasonable costs based on the time spent on the case calculated as detailed at section 6a of this agreement. I/we understand CLAIMS will notify me/us in writing if this occurs.

4. Fees
a. If after CLAIMS has lodged a complaint for me/us the firm against whom the complaint was lodged agrees to pay me/us compensation whatever the circumstances may be I/we agree to settle CLAIMS’ bill within 14 days of receipt of the invoice.
b. CLAIMS’ fee will amount to 15% of the compensation received plus VAT. This fee is not charged on the surrender value (if any) of the investment. 
For example

 Active Investment  Closed Investment 
Value of investment at time of complaint£0 £10,000
Compensation amount including interest
£2,000 £2,000
Fee @ 15% £300£300 
VAT @ 20%£60£60
Total to pay CLAIMS£360£360
Client Receives£1,640£1,640 
Plus the value of the investment 
if they surrender it.



c. IF MY/OUR CLAIM IS NOT SUCCESSFUL CLAIMS WILL CHARGE ME/US NOTHING AT ALL FOR THE WORK IT HAS DONE UNLESS I/WE CANCEL THIS AGREEMENT AFTER MORE THAN 14 DAYS – SEE CLAUSE 6 BELOW.
d. If CLAIMS obtains an offer of compensation in line with FCA, FOS or FSCS guidance that I/we decide to reject, the full fee of the claim will be payable as if I/we had accepted the offer.

5. Late Payment
a. In the event that any invoice remains unpaid after 14 days, CLAIMS shall reserve the right to charge interest on the outstanding balance at the prevailing court rate (currently 8% per annum).
b. In the event that CLAIMS has to take steps to recover any amount owed to it under this contract it reserves the right to request that all costs related to the recovery, including, administration costs, court fees, and bailiff fees are added to the amount owing.

6. Right to cancel
a. I/We reserve the right to terminate this agreement at any time. If I/We cancel this agreement within the first 14 days no charge will be payable (except under clause 6c). If I/we cancel after 14 days a cancellation fee will be payable equal to the reasonable costs incurred by CLAIMS in processing my/our claim. This will be based upon the time spent on the case charged at the following rates: £100 plus VAT per hour for junior staff; £180 plus VAT for senior staff and £250 plus VAT for work by the director of CLAIMS. This will be capped to what is reasonable in the circumstances of the case and will be no more than the amount that would be charged if the case was successful.
b. If I/we wish to terminate the agreement I/we agree to either cancel this verbally, in writing or by using the cancellation form available at claims-uk.co.uk or supplied upon request or making any other clear statement of the intention to cancel.
c. If this notice to terminate is received after 14 days and after an offer of compensation in line with FCA, FOS or FSCS guidance has been made (whether or not this has been received by CLAIMS or myself/ourselves at the date of termination) or either party has been notified that the claim will be upheld the full fee is payable regardless of whether I/we choose to accept the offer or not.

7. Other details
a. I/we understand that there are strict time limits for cases and that processing a case through the Financial Ombudsman Service may restrict my/our rights to take legal action. If I/we may wish to take legal action I understand I/we should consult with a solicitor about possible time-limits. CLAIMS will not be liable for losses as a result of circumstances beyond its control. 
b. CLAIMS will hold personal information in accordance with its privacy policy which will be supplied on request. Data is held in accordance with the Data Protection Act 1998. 
c. CLAIMS reserves the right to assign this agreement and all rights under it. If CLAIMS does so it will be on the same terms as this original agreement. If CLAIMS does assign this agreement we will be notified and I/we will be given the option to cancel this agreement.
d. Complaints about CLAIMS will be processed in accordance with its internal complaints procedure which is available at www.claims-uk.co.uk and will be supplied upon request. 


Version 15/09.2016
SIGNED
DATE

10% CLIENT AGREEMENT

1. Instructions to CLAIMS
a. CLAIMS is a trading name of CLAIMS (London) Ltd. of Barry House, 20-22 Worple Road, London, SW19 4DH
b. I/We request CLAIMS, as sole and exclusive agent, to approach any firm against whom I/we may have a potential claim in order to obtain an appropriate offer of redress. Where appropriate CLAIMS will refer the case to the Financial Ombudsman Service or FSCS on my/our behalf. This request covers requests and complaints regarding investment or insurance advice or other complaints that CLAIMS may be able to help me/us with.
c. I/we acknowledge that I/we could pursue this claim for no charge against the company either directly or through the Financial Ombudsman Service / FSCS complaint schemes however I/we have chosen not to do so. 

2. CLAIMS’ Obligations
a. CLAIMS will request information regarding the products and related documents and where appropriate formulate and submit a complaint to the company that sold the product. CLAIMS may also need to contact other parties to obtain information and determine details of the policy and liability.
b. CLAIMS will answer requests for information wherever possible and notify me/us if further information or action is required.
c. CLAIMS will also arrange to submit the case to the Financial Ombudsman Service (FOS) or the Financial Services Compensation Scheme (FSCS) as appropriate.

3. Client Obligations
a. I/We agree to help CLAIMS as far as possible by providing information relevant to my/our complaint and undertake to respond promptly to requests for information from CLAIMS. I/We confirm I/we have supplied CLAIMS with all documents related to the claim that I/We know about. 
b. I/We agree to inform CLAIMS promptly of any offer of redress received if CLAIMS has not already told me/us about it.
c. On receipt of an offer of redress I/we agree to notify CLAIMS promptly whether I/we wish to accept or reject the offer. In the event that I/we reject an offer made in accordance with FOS, FSCS or FCA guidelines I/we understand the full fee is payable.
d. I/we have not instructed any other party to process complaints about the matters raised with CLAIMS and agree not to do so while this contract is in force.
e. I/We understand that when I/we fail to comply with my/our obligations above CLAIMS will give me/us a reasonable opportunity to remedy the breach where possible. In the event of material breaches or those that cannot be remedied CLAIMS reserves the right to terminate the contract and charge its reasonable costs based on the time spent on the case calculated as detailed at section 6a of this agreement. I/we understand CLAIMS will notify me/us in writing if this occurs.

4. Fees
a. If after CLAIMS has lodged a complaint for me/us the firm against whom the complaint was lodged agrees to pay me/us compensation whatever the circumstances may be I/we agree to settle CLAIMS’ bill within 14 days of receipt of the invoice.
b. CLAIMS’ fee will amount to 10% of the compensation received plus VAT. This fee is not charged on the surrender value (if any) of the investment. 
For example

 Active Investment  Closed Investment 
Value of investment at time of complaint£0 £10,000
Compensation amount including interest
£2,000 £2,000
Fee @ 40% £200£200 
VAT @ 20%£40£40
Total to pay CLAIMS£240£240
Client Receives£1,760£1,760 
Plus the value of the investment 
if they surrender it.



c. IF MY/OUR CLAIM IS NOT SUCCESSFUL CLAIMS WILL CHARGE ME/US NOTHING AT ALL FOR THE WORK IT HAS DONE UNLESS I/WE CANCEL THIS AGREEMENT AFTER MORE THAN 14 DAYS – SEE CLAUSE 6 BELOW.
d. If CLAIMS obtains an offer of compensation in line with FCA, FOS or FSCS guidance that I/we decide to reject, the full fee of the claim will be payable as if I/we had accepted the offer.

5. Late Payment
a. In the event that any invoice remains unpaid after 14 days, CLAIMS shall reserve the right to charge interest on the outstanding balance at the prevailing court rate (currently 8% per annum).
b. In the event that CLAIMS has to take steps to recover any amount owed to it under this contract it reserves the right to request that all costs related to the recovery, including, administration costs, court fees, and bailiff fees are added to the amount owing.

6. Right to cancel
a. I/We reserve the right to terminate this agreement at any time. If I/We cancel this agreement within the first 14 days no charge will be payable (except under clause 6c). If I/we cancel after 14 days a cancellation fee will be payable equal to the reasonable costs incurred by CLAIMS in processing my/our claim. This will be based upon the time spent on the case charged at the following rates: £100 plus VAT per hour for junior staff; £180 plus VAT for senior staff and £250 plus VAT for work by the director of CLAIMS. This will be capped to what is reasonable in the circumstances of the case and will be no more than the amount that would be charged if the case was successful.
b. If I/we wish to terminate the agreement I/we agree to either cancel this verbally, in writing or by using the cancellation form available at claims-uk.co.uk or supplied upon request or making any other clear statement of the intention to cancel.
c. If this notice to terminate is received after 14 days and after an offer of compensation in line with FCA, FOS or FSCS guidance has been made (whether or not this has been received by CLAIMS or myself/ourselves at the date of termination) or either party has been notified that the claim will be upheld the full fee is payable regardless of whether I/we choose to accept the offer or not.

7. Other details
a. I/we understand that there are strict time limits for cases and that processing a case through the Financial Ombudsman Service may restrict my/our rights to take legal action. If I/we may wish to take legal action I understand I/we should consult with a solicitor about possible time-limits. CLAIMS will not be liable for losses as a result of circumstances beyond its control. 
b. CLAIMS will hold personal information in accordance with its privacy policy which will be supplied on request. Data is held in accordance with the Data Protection Act 1998. 
c. CLAIMS reserves the right to assign this agreement and all rights under it. If CLAIMS does so it will be on the same terms as this original agreement. If CLAIMS does assign this agreement we will be notified and I/we will be given the option to cancel this agreement.
d. Complaints about CLAIMS will be processed in accordance with its internal complaints procedure which is available at www.claims-uk.co.uk and will be supplied upon request. 


Version 10/09.2016
SIGNED
DATE