Pre-Sales Information

OUR PROCESS

 

We Fight Any Claim (‘WFAC’ or ‘we’) will carry out a Free PPI Check for you.

 

We will make a request, pursuant to the Data Protection Act 2018, for information about loan, mortgage, credit card, store card, and hire purchase agreement(s) that you currently have or have had in the recent past. We may also make such enquiries about Packaged Bank Accounts (PBAs).

 

If our review indicates that any PPI or PBA was sold to you, we will contact you to tell you this, and confirm whether or not you want to use WFAC’s Claim Service. If so, we will then discuss the circumstances surrounding the sale of your PPI and/or PBA. If it appears PPI or PBA was mis-sold, we will prepare a detailed Claim to present to your Creditor(s).

 

We will then pursue a claim on your behalf for reimbursement of all PPI premiums and/or PBA charges, and associated interest incurred as a result, plus statutory interest where applicable.

 

Please note:

 

We do not guarantee to find all PPI (or PBA) you may have been sold.  But when looking for PPI or PBA we will make reasonable enquiries based on the information you provide to us.

The Financial Ombudsman Service (FOS) also offers a free adjudication service.  You can use this whether or not we represent you.

 

NO WIN, NO FEE*

 

If we do not achieve an offer of Compensation for you from your creditor(s) then you will not have to pay us anything*.

 

OUR FEES

 

For our PPI Claim Service, we charge a Success Fee of 20% plus VAT (24% including VAT at current rates) of any Compensation we recover for you.  This means that, including VAT at current rates, you will us £240.00 for every £1,000.00 of Compensation.

For our PBA Claim Service, we charge a Success Fee of 32.5% plus VAT (39% including VAT at current rates) of any Compensation we recover for you.  This means that, including VAT at current rates, you will us £390.00 for every £1,000.00 of Compensation.

In relation to VAT, references to “current rates” mean the applicable rate of VAT as at the date the attached Engagement Letter was sent to you.  If this changes the amount payable will change accordingly.

Compensation may be awarded to you either as a lump sum payment, a credit to an account, or a combination of both. Which method is adopted will depend upon the circumstances and the relevant Creditor.

“Compensation” means any and every sum or financial benefit that is awarded or accrues to you, arising directly or indirectly from any Claim in relation to any PPI and/or PBA in connection with which We Fight Any Claim has provided the Claim Service, whether by way of cash payment, credit to a loan, bank account, credit card or other account, off-set of any arrears or reduction of overdraft, or in any other way.

Where We Fight Any Claim provides the Claim Service in relation to any PPI and/or PBA (an “Initial Claim”) and as a direct or indirect consequence any sum or financial benefit is awarded or accrues to you in relation to any other PPI and/or PBA, even if such PPI and/or PBA was not identified when making the Initial Claim, this sum or financial benefit will constitute Compensation and the Success Fee will be payable in relation to it. 

Similarly, if We Fight Any Claim, any Creditor, or any other third party, identifies any other potential Claim, We Fight Any Claim may without further reference to you make such Claim, and any sum or financial benefit arising to you as a direct or indirect result will likewise constitute Compensation and the Success Fee will be payable in relation to it.

Compensation includes, for example, all refunds, repayments, interest, compensation for lost interest, sums paid following actual or purported reconsideration of previously rejected claims for redress, and all ex gratia payments and “distress and inconvenience” payments.  In determining the amount of Compensation, all sums and benefits (and in particular all the aforesaid) will be included without deduction of any applicable tax. 

Example 1

 

You took out a loan and at the same time you paid £750.00 for a PPI. You have since paid the loan off.

 

We recover Compensation of £1,000.00 for you (including interest). This may be in the form of a payment made directly to you, or (where you have a current loan or credit card), it may be applied as a credit to your account.

 

In either case, the Success Fee payable to us will be £240 (24% including VAT at current rates).

 

Example 2

 

You took out a loan and at the same time you paid £750.00 for a PPI. Your loan is still running and you are currently £1,200.00 in arrears with your loan repayments.

 

We recover Compensation of £1,000.00 for you (including interest). Your creditor may apply the Compensation to your loan account to reduce your arrears to £200.00.

 

The Success Fee payable to us will still be £240 (24% including VAT at current rates).

 

Example 3

You were sold a PBA some years ago. You were charged a monthly fee for this. We recover £1,000.00 Compensation (a refund of PBA charges plus interest).

 

This may be in the form of a payment made directly to you, or it may be applied as a credit to your account.

 

In either case, the Success Fee payable to us will be £390 (39% including VAT at current rates).

 

IMPORTANT NOTES:

If you are in arrears with your loan or credit card repayments, or if your bank account is overdrawn, your Creditor may use some or all of your Compensation to offset your arrears or reduce your overdraft.

If you are in a Debt Management Plan (“DMP”) any Compensation may be paid directly to your DMP provider. If you receive any offer of Compensation from a Creditor who is part of your DMP you must inform your DMP provider. If you do not, you may prejudice any arrangements with your creditors under that DMP.

If you are currently in an Individual Voluntary Arrangement (“IVA”) any Compensation may be paid directly to your IVA Supervisor. If you receive any offer of Compensation you must inform your IVA Supervisor. If you do not, your IVA may be put at risk.  If you were previously in an IVA, and you receive any offer of Compensation you may (depending upon the terms of your previous IVA) still be obliged to pay some or all of your Compensation to your previous IVA Supervisor.

In all the foregoing cases, you would still be liable to pay our Success Fee in full.

If at any time we believe that the likely amount of any Compensation does not justify the work involved on our part, or that you may be unable to pay our Success Fee, we reserve the right to cease acting for you in relation to the relevant Claim(s).

TAX

It is possible your Creditor may withhold tax on the interest element of any Compensation you receive. In these circumstances, our Success Fee will be payable on the gross sum awarded to you, prior to the deduction of any tax.

CONTRACTS

For us to act on your behalf, we will require that you agree to our Terms of Business by signing our Engagement Letter. A copy of our Terms of Business is attached.  Further copies are available on our website and, if you request them, in hard copy format.

YOUR RIGHT TO CANCEL

You have the right to cancel your agreement with us at any time. You can do this by notifying us by telephone on 01633 705 081 or by writing to us, at We Fight Any Claim, Tintern House, William Brown Close, Llantarnam Park, Cwmbran, NP44 3AB or by email to [email protected].  

Although you are not obliged to use it, you can, if you wish, also cancel by signing and returning the Cancellation Form overleaf.

If you tell us you wish to cancel within 14 days of the date you tell us you want to use our Claim Service, we will cancel your agreement with us and you will owe us nothing (unless you have received an offer of Compensation during this period, in which case our Success Fee will be payable).

If you tell us you wish to cancel after more than 14 days after the date you tell us you want to use our Claim Service, you will be liable for the Success Fee if, by the time you cancel, an offer of Compensation has by then been made to you pursuant to a Claim made by us on your behalf.  Otherwise you will be liable to pay a Cancellation Fee, according to clause 6 of the attached Terms of Business.  (If you pay a Cancellation Fee and an offer of Compensation is subsequently made pursuant to our provision of the Claim Service, you will then be liable to pay the Success Fee, but the Cancellation Fee will be credited against it.)

LEGAL AND REGULATORY INFORMATION

References to “We Fight Any Claim” mean and include, as the case may require, We Fight Any Claim Limited (company number 06649961) and Stephens Wilmot Limited (company number 10411634).

We Fight Any Claim Limited is regulated by the Claims Management Regulator in respect of regulated claims management activities. Its authorisation number is CRM14824 and the registration details can be confirmed on the Regulator’s website: www.gov.uk/moj/cmr

Stephens Wilmot Limited is authorised and regulated by the Solicitors Regulation Authority (SRA number 635237).

OUR COMPLAINTS PROCEDURE

You can make a complaint about We Fight Any Claim’s service by post to: Tintern House, William Brown Close, Llantarnam Park, Cwmbran, NP44 3AB; or by email to [email protected]; or by telephone on 01633 705 081. 

We Fight Any Claim Limited’s complaints procedure can be found at www.wefightanyclaim.com; Stephens Wilmot Limited’s can be found at www.stephenswilmot.co.uk.

If We Fight Any Claim is unable to resolve your complaint you may refer it to the Legal Ombudsman Service. You must do this within 6 months of We Fight Any Claim’s final response. The Legal Ombudsman can be contacted by telephone on 0300 555 0333; or by email at [email protected]; or by post to Legal Ombudsman, PO Box 6804, Wolverhampton, WV1 9WG.

*In accordance with clause 6 of our Terms and Conditions we reserve the right to charge a cancellation fee if you cancel our Claim Service before your claim has concluded.

We Fight Any Claim Ltd is registered in England and Wales under company registration number 06649961. Its registered office address is Cradoc House, Heol y Llyfrau, Aberkenfig, Bridgend. CF32 9PL. Stephens Wilmot Limited is registered in England and Wales under company registration number10411634.  Its registered office is at Ty Glyn, 1 Brecon Court William Brown Close, Llantarnam Park, Cwmbran, Wales, NP44 3AB.