Terms & Conditions

(1) What will Premium Claims Limited do for you

Assess your claim and if appropriate, pursue a claim for the recovery of your losses.

Deal with all areas of your claim, including all correspondence and negotiations where required with relevant companies and/or institutions. It may be necessary for us to obtain further signed documentation to make this possible.

If needed, we will pursue your claim with the Financial Ombudsman Service / Financial Services Compensation Scheme (or any other regulatory body) at no additional cost to you.

Inform you of any/all offers of settlement we receive, evaluate them and inform you in writing and will advise you accordingly to accept or reject the offer however it is your ultimate decision to accept or reject an offer.

Always act in your best interests when pursuing your claim and aim to achieve the best results realistically obtainable for you.

We must inform you that if your claim is successful, any current Payment Protection Insurance policy will be cancelled.

(2) What Premium Claims Limited will not do for you

Guarantee to win a claim we accept and pursue.

Give/offer you financial advice.

Pursue a claim that in our opinion has no realistic chance of success. We reserve the right to cancel our agreement if we form this opinion.

(3) What do we require from you

Provide all relevant information we may request without delay, to enable us to pursue your claim efficiently.

Provide us with clear instructions.

Fully co-operate with us.

Not to mislead us or ask us to act in an improper or unreasonable way.

To provide us with the exclusive authority to make your claim for the duration of the contract, you still retain the right to cancel as detailed in Clause 5.

If a compensation payment is made directly to you, you must pay our invoice within 28 days from receipt of the funds.

In the event that your compensation redress reduces an existing debt or is off-set in full against an existing debt your fee's will still remain payable to us. You should contact us immediately to notify us of any payment issues in relation to section 3.7.

(4) Our Fees

If we do not succeed in obtaining compensation, you pay us nothing.

Our charges are 25% plus VAT. VAT will be charged at the rate applicable when your case is settled.

Case settlement examples:

Example A: Example B: Example C:
All compensation is "cash in hand" Compensation includes "cash in hand" award with loan and future installment reduction Compensation is used to offset arrears consumer has on credit card or loan
Total compensation: £3000
Of which cash is: £3000
   
Fee charged @ 25% £750
VAT@ 20%: £150
Total Fee: £900
 
Consumer Receives £2100
(And no reduction in loan as it is already paid off in full)
Total compensation: £3000
Of which cash is: £1000
Loan reduction: £2000
Fee charged @ 25% £750
VAT@ 20%: £150
Total Fee: £900
 
Consumer Receives £100
(And a reduction of £2000 in future loan Installments)
Total compensation: £3000
Of which cash is: £0
Loan reduction: £3000
Fee charged @ 25% £750
VAT@ 20%: £150
Total Fee: £900
 
Consumer Pays £900
(And a reduction of £3000 in outstanding loan)

In the event that payment is made directly to you, should you fail to pay our invoice, we will take the necessary steps to recover all fees due to us under the terms of this agreement. In addition Premium Claims Limited will seek to recover all costs and expenses including but not limited to court fees, interest and administration fees that it incurs from you.

Non payment of invoice
Without exception, all invoices must be paid in full within 28 days of issue irrespective if your account is in arrears. The costs of any telephone calls and invoice reminders may be added to the outstanding debt. The costs below are indicative values only:
£10.00 + VAT second and subsequent written reminders
£3.50 + VAT second and subsequent telephone reminder
£50.00 + VAT Solicitors Letter Before Action (LBA)

Debt Recovery
The costs of any County Court action (£25 - £100) will be added to the outstanding debt together with statutory interest, pursuant to Section 69 of County Court Act 1984 until the debt is paid in full.

(5) Cancelling this agreement

We can cancel this agreement at any time. There will be no fee payable if we tell you your claim is unlikely to succeed and you have fulfilled your obligation (as laid out in section 3 of this agreement).

There will be no fee payable if you cancel within 14 days of this agreement being signed.

If this agreement is cancelled (by either party) when an offer of compensation has been made, we will enforce our charges of 25% + VAT of the sum offered.

If you cancel this Agreement prior to any offer or settlement being made, we reserve the right to charge you reasonable costs for the administration of your claim, up to the point at which you informed us you would like to cancel.

Cancellation of this Agreement must be in writing by either party. You will be advised of this when you contact us by any other means.

(6) Data Protection

We will hold, control and process your personal information in accordance with the Data Protection Act 1998. By providing your personal information to us, you explicitly authorise us to process the information for the purposes set out in this paragraph. You can, at any time, request a copy of all information we hold relating to you by writing to us (a written Data Subject Access Request in accordance with the Data Protection Act). You will be charged an administration charge of £10.00 for this. We will use the personal information you provide to assess your claim and carry out our duties in accordance with this Agreement. We may share your personal information with other companies if necessary during the process of your claim for compensation, or any financial matters we believe may be of assistance to you. If you provide information to us about another party, you confirm that such party authorised you to do so and consents to our processing that personal information. Premium Claims Limited ICO number is Z1963438.

(7) Complaints Procedure

Complaints may be made in writing, via e mail or by telephone in respect of any claims management service that we have provided and that is regulated under The Compensation Act 2006.

  • We reserve the right to decline a complaint that is made more than six months after you became aware of the cause for complaint. There may be instances where we will waive this requirement at our discretion. We will confirm to you in writing if a complaint has been made outside the time that we are prepared to consider.
  • We will send you a written or electronic acknowledgement of a complaint within 5 working days of receipt, identifying the person who will be handling the complaint for Premium Claims Limited. 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. Within 4 Weeks of receiving a complaint, we will send you either:
  • a final response which adequately addresses the complaint; or
  • a holding response, which explains why we are not yet in a position to resolve the complaint and indicates when we will make further contact with you.
  • Within 8 Weeks of receiving a complaint we will send you either:
  • a final response which adequately addresses the complaint; or
  • a response which;
  • explains why we are still not in a position to make a final response, giving reasons for the further delay and indicating how we expect to be able to provide a final response; and
  • Informs you that you may refer the handling of the complaint to the Claims Management Regulator if you are dissatisfied with the delay.
  • Where we decide that 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.

If you are not satisfied with our response, or if a complaint is not resolved after eight weeks, you may refer the complaint to:

Claims Management Regulator
57-60 High St
Burton on Trent
Staffordshire
D14 1JS

E-mail: consumer@claimsregulation.gov.uk
Tel: 0845 4506858

The regulator can review the handling of the complaint and can give a direction on further handling of the complaint. However, they cannot determine a complaint or award compensation.


Terms for website use

(1) Introduction

These terms of use govern your use of our website; by using our website, you accept these terms of use in full. If you disagree with these terms of use or any part of these terms of use, you must not use our website.

(2) Licence to use website

Unless otherwise stated, we or our licensors own the intellectual property rights in the website and material on the website. Subject to the licence below, all these intellectual property rights are reserved.

You may view, download for caching purposes only, and print pages from the website for your own personal use or for form completion when responding to us in writing. This is subject to the restrictions set out below and elsewhere in these terms of use.

You must not:

(a) republish material from this website (including republication on another website);

(b) sell, rent or sub-license material from the website;

(c) show any material from the website in public;

(d) reproduce, duplicate, copy, or otherwise exploit material on our website for a commercial purpose;

(e) edit or otherwise modify any material on the website; or

(f) redistribute material from this website, except for content specifically and expressly made available for redistribution (such as a newsletter).

(3) Acceptable use

You must not use our website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.

You must not use our website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software.

You must not conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to our website without our express written consent.

You must not use our website to transmit or send unsolicited commercial communications.

You must not use our website for any purposes related to marketing without our express written consent.

(4) Restricted access

Access to certain areas of our website is restricted. We reserve the right to restrict access to other areas of our website, or indeed our whole website, at our discretion.

If we provide you with a user ID and password to enable you to access restricted areas of our website or other content or services, you must ensure that that user ID and password is kept confidential.

We may disable your user ID and password in our sole discretion without notice or explanation.

(5) User generated content

In these terms of use, "your user content" means material (including without limitation text, images, audio material, video material and audio-visual material) that you submit to our website, for whatever purpose.

You grant to us a worldwide, irrevocable, non-exclusive, royalty-free licence to use, reproduce, adapt, publish, translate and distribute your user content in any existing or future media. You also grant to us the right to sub-license these rights, and the right to bring an action for infringement of these rights.

Your user content must not be illegal or unlawful, must not infringe any third party's legal rights, and must not be capable of giving rise to legal action whether against you or us or a third party (in each case under any applicable law).

You must not submit any user content to the website that is or has ever been the subject of any threatened or actual legal proceedings or other similar complaint.

We reserve the right to edit or remove any material submitted to our website, or stored on our servers, or hosted or published upon our website.

Notwithstanding our rights under these terms of use in relation to user content, we do not undertake to monitor the submission of such content to, or the publication of such content on, our website.

(6) Limited warranties

We do not warrant the completeness or accuracy of the information published on this website; nor do we commit to ensuring that the website remains available or that the material on the website is kept up-to-date.

To the maximum extent permitted by applicable law we exclude all representations, warranties and conditions relating to this website and the use of this website (including, without limitation, any warranties implied by law of satisfactory quality, fitness for purpose and/or the use of reasonable care and skill).

(7) Limitations and exclusions of liability

Nothing in these terms of use will: (a) limit or exclude our or your liability for death or personal injury resulting from negligence; (b) limit or exclude our or your liability for fraud or fraudulent misrepresentation; (c) limit any of our or your liabilities in any way that is not permitted under applicable law; or (d) exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and exclusions of liability set out in this Section and elsewhere in these terms of use: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the terms of use or in relation to the subject matter of the terms of use, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty.

To the extent that the website and the information and services on the website are provided free-of-charge, we will not be liable for any loss or damage of any nature.

We will not be liable to you in respect of any losses arising out of any event or events beyond our reasonable control.

We will not be liable to you in respect of any business losses, including (without limitation) loss of or damage to profits, income, revenue, use, production, anticipated savings, business, contracts, commercial opportunities or goodwill.

We will not be liable to you in respect of any loss or corruption of any data, database or software.

We will not be liable to you in respect of any special, indirect or consequential loss or damage.

(8) Indemnity

You hereby indemnify us and undertake to keep us indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by us to a third party in settlement of a claim or dispute on the advice of our legal advisers) incurred or suffered by us arising out of any breach by you of any provision of these terms of use, or arising out of any claim that you have breached any provision of these terms of use.

(9) Breaches of these terms of use

Without prejudice to our other rights under these terms of use, if you breach these terms of use in any way, we may take such action as we deem appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you.

(10) Variation

We may revise these terms of use from time-to-time. Revised terms of use will apply to the use of our website from the date of the publication of the revised terms of use on our website. Please check this page regularly to ensure you are familiar with the current version.

(11) Assignment

We may transfer, sub-contract or otherwise deal with our rights and/or obligations under these terms of use without notifying you or obtaining your consent.

You may not transfer, sub-contract or otherwise deal with your rights and/or obligations under these terms of use.

(12) Severability

If a provision of these terms of use is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect. If any unlawful and/or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.

(13) Exclusion of third party rights

These terms of use are for the benefit of you and us, and are not intended to benefit any third party or be enforceable by any third party. The exercise of our and your rights in relation to these terms of use is not subject to the consent of any third party.

(14) Entire agreement

These terms of use, together with our privacy policy, constitute the entire agreement between you and us in relation to your use of our website, and supersede all previous agreements in respect of your use of this website.

(15) Law and jurisdiction

These terms of use will be governed by and construed in accordance with English law, and any disputes relating to these terms of use will be subject to the exclusive jurisdiction of the courts of England and Wales.

(16) Registrations and authorisations

We are subject to The Information Commissioner's Office guidelines set up to uphold information rights in the public interest which is supervised by the ICO as a government body, details can be found at http://www.ico.gov.uk/for_the_public.aspx Our ICO Registration number is Z1963438. This can located on the ICO web site.

Premium Claims Ltd is regulated by the Ministry of Justice in respect of regulated claims management activities (Licence Number: CRM21513) Its registration is recorded on the website http://justice.gov.uk/claims-regulation.

(17) Our details

The full name of our company is Premium Claims Limited

We are registered in England & Wales under registration number 06982375

Our registered address is: Premium Claims Limited, Maple House, High Street, Potters Bar, Hertfordshire, EN6 5BS

You can contact us by email to info@premiumclaims.com