No Win, No Fee
You pay nothing upfront. Our success fee is 28–30% + VAT of the compensation recovered — deducted only if we win.
Upfront Cost
You pay absolutely nothing to start your claim. Zero risk to begin.
Success Fee
Our fee is only deducted from your compensation if we successfully win your claim.
If Unsuccessful
If we don't recover compensation for you, you owe us nothing at all.
Our Fee Schedule
As per Terms of Engagement| Band | Redress Awarded | Fee % (excl. VAT) | Max Fee (excl. VAT) | Example (incl. VAT) |
|---|---|---|---|---|
| 1 | £1 – £1,499 | 30% + VAT | £420 | £1,000 → £360 |
| 2 | £1,500 – £9,999 | 28% + VAT | £2,500 | £5,000 → £1,680 |
| 3 | £10,000 – £24,999 | 25% + VAT | £5,000 | £15,000 → £4,500 |
| 4 | £25,000 – £49,999 | 20% + VAT | £7,500 | £35,000 → £8,400 |
| 5 | £50,000+ | 15% + VAT | £10,000 | £60,000 → £10,800 |
N.B. Fee percentages are exclusive of VAT. VAT is charged at the prevailing rate (currently 20%). The examples above are for illustration only and should not be regarded as estimates of the redress you are likely to recover. For motor finance (PCP/HP) claims, the nature of the agreements means it is highly unlikely that any individual redress will exceed Band 2 (£9,999). In the event that redress falls into a higher band, the percentage fee will be reduced in accordance with the FCA fee cap rules under CMCOB 5.2. The maximum fee payable in any band is capped as shown above.
What You Could Receive
Examples below are illustrative. Actual compensation and fees will vary.
FCA average estimate (per agreement)
£829
Compensation awarded
Upper Band 1
£1,200
Compensation awarded
Band 2 claim
£3,500
Compensation awarded
The £829 per agreement average is based on the FCA's published estimate for the motor finance redress scheme; an indicative average total of around £1,658 applies where a consumer has two agreements. Individual outcomes vary significantly. These examples are for illustration only and do not constitute a guarantee of any outcome.
Important Information
You Can Claim for Free
You are not required to use a claims management company. You can pursue your PCP or HP claim for free, either by contacting your lender directly or through the Financial Ombudsman Service (FOS) once the FCA redress scheme opens. Using a CMC will reduce the net amount you receive.
The Debt Offset Scenario
In some cases, compensation may be offset against an outstanding balance you owe to the lender rather than paid to you as cash. Our success fee may still apply in this scenario even if you receive no cash payout directly. This is set out in your Terms of Engagement.
Right to Cancel
You have a 14-day cooling-off period after signing your Terms of Engagement, during which you can cancel without charge. If you cancel after the 14-day period but before a settlement is reached, you may be liable for reasonable costs incurred. Full details are in your Terms of Engagement.
Fee Confirmation Before You Sign
The exact success fee rate applicable to your claim is stated clearly in your personalised Terms of Engagement. You will not be committed to any fees until you have read, understood, and signed that document.
Full fee terms are set out in our Terms of Engagement. Questions? Contact us.
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No payment of any kind until we successfully recover your compensation.
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