Terms & Conditions

In these Terms and Conditions:

• “Claims Engine”, “we”, “us” means Claims Engine Ltd, a company registered in England and Wales.
• “You”, “Client” means any person who engages our services.
• “Claim” means the complaint and/or claim we pursue on your behalf regarding a mis-sold PCP or HP finance agreement.
• “Lender” means the finance company that provided your PCP or HP agreement.
• “Compensation” means any amount of money, redress, or benefit awarded or agreed in settlement of your Claim.
• “Success Fee” means our fee, payable only upon successful recovery of Compensation.
• “Cooling Off Period” means the 14-day period following your acceptance of these Terms.

Claims Engine is a claims management company authorised and regulated by the Financial Conduct Authority (FCA). We provide the following services:

• Assessment of your potential claim for compensation in relation to a mis-sold PCP or HP car finance agreement.
• Preparation and submission of a formal complaint to your Lender on your behalf.
• Management of the complaints process, including correspondence with the Lender.
• If necessary, referral of your complaint to the Financial Ombudsman Service (FOS) or other appropriate body.
• Negotiation and settlement of your Claim where applicable.

We do not provide legal advice. Where a case requires legal proceedings, we may refer you to a regulated solicitor. Any referral will be disclosed to you in advance.

Our services are available to individuals who:

• Are UK residents aged 18 or over;
• Held a PCP or HP car finance agreement, typically between 6 April 2007 and 28 January 2021;
• Were not informed by their dealer or lender that the dealer received commission from the lender in connection with the finance agreement; and
• Have not previously made or settled a claim in relation to the same finance agreement on the same grounds.

By engaging our services, you agree to:

• Provide accurate, complete, and up-to-date information relating to your claim;
• Notify us promptly of any changes to your circumstances or contact details;
• Co-operate with us and respond promptly to reasonable requests for information or documentation;
• Notify us if you receive any communication from your Lender or the Financial Ombudsman Service directly;
• Not engage any other party to pursue the same claim without first notifying us in writing;
• Not accept any offer of settlement without prior written consent from us; and
• Pay our Success Fee upon successful resolution of your Claim.

Claims Engine operates on a No Win, No Fee basis. This means:

• You pay nothing upfront.
• You pay nothing if your Claim is unsuccessful.
• If your Claim is successful, you agree to pay our Success Fee as set out below.

Success Fee Schedule (exclusive of VAT):

All fees are exclusive of VAT at the prevailing rate (currently 20%). VAT will be added to the Success Fee at the point of invoice.

The Success Fee is calculated as a percentage of the total Compensation recovered (excluding any statutory interest or redress unrelated to the main claim).

Our fee is payable within 14 days of Compensation being received by you or applied to your account. We will send you an invoice confirming the amount due.

You have the right to cancel this agreement within 14 days of signing our Letter of Authority, without giving any reason and without charge.

To exercise your right to cancel, you must notify us in writing by:

• Email: cancel@claimsengine.co.uk
• Post: Claims Engine Ltd, 1 Example Street, London, EC1A 1AA

If you cancel after the Cooling Off Period but before your Claim is resolved, you may be charged for work reasonably carried out on your behalf. We will notify you of any such charges before proceeding.

After the 14-day Cooling Off Period, you may cancel your agreement with us at any time by written notice. However:

• If your Claim has already been submitted to the Lender or FOS, we reserve the right to charge for reasonable costs incurred up to the point of cancellation.
• If you cancel after an offer of settlement has been made but before acceptance, our full Success Fee may be payable if you subsequently accept the offer independently.
• Any charge will not exceed what would have been payable as a Success Fee on the amount offered at the time of cancellation.

If you are unhappy with our service, please contact us at:

• Email: complaints@claimsengine.co.uk
• Post: Complaints Department, Claims Engine Ltd, 1 Example Street, London, EC1A 1AA

We will acknowledge your complaint within 5 business days and aim to resolve it within 8 weeks. If we cannot resolve your complaint, you may refer it to the Legal Ombudsman or the Financial Conduct Authority.

Claims Engine does not guarantee any particular outcome or level of Compensation. We will act in your best interests and apply reasonable skill and care in pursuing your Claim.

Our total liability to you under these Terms shall not exceed the total amount of fees paid by you to us in the preceding 12 months, except where liability cannot be limited by law (e.g. personal injury caused by our negligence).

These Terms and Conditions are governed by and construed in accordance with the laws of England and Wales. Any dispute arising from these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

These Terms do not affect your statutory rights as a consumer.