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Frequently Asked Questions

What Does Your Company Do?

Our goal is to help you reduce the debts you have to pay and seek to claim you compensation for any money owed to you by your lenders.

We achieve this by:

1. For the debts you are struggling to repay, we can find you one of our Debt Solutions that reduce your monthly payments.

2. Reclaiming any compensation you may be owed as a result of being mis-sold a Payment Protection Insurance (PPI) Policy when you took out your credit card, loan or mortgage.

3. Reclaiming any compensation you may be owed as a result of being mis-sold mortgage that was not right for you.

4. Challenging any COURT SUMMONS you may have received from your lender for failing to maintain your repayments. Our Solicitors will DEFEND YOU IN COURT, and in some cases on a NO WIN NO FEE basis.

5. Examining any current County Court Judgments (CCJ) you may have against you to see if there is a valid case of appeal to get it removed.


What Documents Do I Need To Submit?

As soon as you contact us, we will forward you our Pack, once you have spoken directly with one of our Specialists who can quickly ascertain what you may be entitled to.

There is also an opportunity to submit some basic information online so that we can get a clear picture of what we can do to help you, and speed up the process of relieving some of this financial pressure for you.

Once we have assessed your information to check it meets with the necessary minimum criteria, you will then be guided by your Specialist through the process.


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Can You Still Help Me If I'm Already In A Debt Management Plan or an IVA?

Yes, we can still assess your situation to identify if there is anything we can to help reduce your monthly payments, or identify if you are owed money by your lender.by submitting a claim for any mis-sold Payment Protection Insurance (PPI).


How Long Will My Claims Process Take?

This depends on the type of claim. A typical Mis-sold Payment Protection Insurance (PPI) claim, where the total amount of compensation due is less than 5,000 will take approximately 3-4 months; however, if the value of the claim is higher than 5,000, it will take longer as this will be put into the hands of our Solicitor. This is to ensure you receive the maximum compensation due, rather than the lender making a reduced offer which is very common.

Should your lender have already issued legal proceedings against you, and the court date has been set, our Solicitors will step in immediately to defend you which in some cases can be on a NO WIN NO FEE basis.


Will My Case Go To Court?

Many of our cases settle prior to court, so court action is unnecessary. However, if your lender chooses to initiate court proceedings, our Solicitor will defend you and where possible on a NO WIN NO FEE basis.


Can You Help Me If I Have Already Received A Court Summons?

Absolutely! If you have already received notification from the court that your lender has instigated legal proceedings against you, it is VERY IMPORTANT YOU CONTACT US IMMEDIATELY, so we can inform our Solicitors who will DEFEND YOU and in some cases on a NO WIN NO FEE basis.


How Much Does It Cost?

We do not charge an upfront fee for processing a potentially Mis-sold Payment Protection Insurance (PPI). Our fee of 25% is deducted from the compensation we reclaim for you.

Where you are seeking compensation for a mis-sold payment protection insurance policy on a mortgage, We also require you to forward us a cheque or postal order for 10.00, made payable to the lender, to cover their administration fee for releasing a complete copy of your file.

Even if the original loan has been paid back, we can still lodge a claim for compensation for Mis-sold PPI, providing the loan was redeemed in the last 6 years. In the case of a mortgage, or re-mortgage, it has to have been redeemed within the last 12 years.


What If The Solicitor decides That I Do Not Have A Valid Defence Claim?

If this is the case, our Solicotr will seek to obtain a Tomlin Order whereby all interest on your debts will be frozen and you will be permitted to enter into an alternative solution to reduce your outgoings to a realistic and affordable level.


What If The Solicitor decides That I Do Not Have A Valid Claim?

If this is the case, and you are legally required to repay your current debts, we will endeavour to help you find an appropriate alternative solution to reduce your outgoings to a realistic and affordable level.


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