 FAQ - Payment Protection Insurance
Q: Are you a regulated Claims Management Company?
A: Yes we are, Unfair Contract is regulated by the Ministry Of Justice.
Q: I don't think I have the paperwork anymore, does that mean you can't help me?
A: Not in the slightest, our Claims Handlers have the ability and experience to deal with your insurance provider and obtain everything we need to assess your claim.
Q: How long will it all take?
A: We always look to recover the maximum settlement amount for you so you should allow at least 3-6 months but we have settled cases in weeks..
Q: What do Unfair Contract charge?
A: We charge NO UPFRONT FEES or COSTS. Our charge is 25% of the total amount recovered because we don't believe in being paid unless we get your money back for you.
 FAQ - Mis-sold Life or Investment Policy
Q. How are you able to claim compensation?
A. All our cases are different and they are assessed individually. Sometimes we can claim because investments were simply unsuitable and they were mis-sold. In other cases, it may be because of technical shortcomings in contracts, regulatory issues or a combination of these factors.
Q. How much could I win?
A. This depends on many factors including how much you have paid in, how long ago you made payments and what kind of settlement is reached. Typically, however, payments amount to thousands of pounds – often many thousands.
Q. Is your service really risk-free?
A. Absolutely. We charge no up-front fees and we take nothing from the existing value of your plans. All we charge is a share of the compensation we win for you above the plan value. The compensation is paid to you in full and you settle our invoice at the end of the process. There is no catch. If we win nothing, we charge you nothing.
The only condition we make to protect our own position is that if you cancel our agreement with you before we finish, we reserve the right to charge a fee immediately.
Q. Can I make a claim on my own?
A. Most definitely, and if it is clear that you know the problem and we do not feel we can add value, we will suggest that you do.
However, there are a few things you will need to bear in mind. You will need to know what the problems are (because they are not always what they seem) and you will need to be comfortable to argue your case with a big company or maybe with an Ombudsman.
You will also need to make sure your case succeeds first time, because you will probably not be able to raise the matter again. And you will have to be prepared to spend time, maybe quite a lot of time, obtaining and reviewing information, writing letters or making telephone calls to get the matter resolved.
Q. If I get compensation, will my policy or investment be cancelled?
A. This will vary from case to case, according to the kind of plan you have, the reason for claiming compensation and the settlement agreed. However, if you need to keep life cover in force, for example because of health complications, this can often be arranged.
Q. If I signed something saying my plan was my choice, will this matter?
A. Such statements very rarely alter the requirement to advise you properly and will usually make no difference to our ability to claim.
Q. What if the plan has already paid out when it matured or when I surrendered it?
A. There is probably still compensation to be claimed, even if you have already received more than you paid in. Sometimes, if you have made a large gain, we cannot claim more, but every case is different, so ask us and we can tell you
Q. Will you share any of my personal information with anyone else?
A. Only with your agreement. You complete an authority so that we can obtain information from the product company and/or adviser and we may need to discuss aspects with them in order to make your claim. Other than that, if we want to refer your case to, for example, an Ombudsman, we will seek your permission first.
Q. What if I am unhappy about something?
A. We offer a first-class service and we keep you informed of what is happening so problems very rarely arise. We also seek your written agreement before settling your claim or escalating it beyond the responsible party. If you are unhappy about anything, talk to us and we will resolve it with you as soon as possible. We will always be pleased to hear from you. However, if you feel the need to make a complaint, we have a formal procedure.
 FAQ - Mis-sold Mortgages:
Q: What if I do not have my original mortgage offer?
A: Unfair Contract? will request a copy of your original mortgage offer from your Lender on your behalf. The cost of this will be included in your initial payment.
Q: Will I have to discuss this with the Lender?
A: No once you have authorised ourselves to deal with the Lender on your behalf, the Lender cannot hassle you in relation to this, simply remind them that Unfair Contract? are dealing with this issue.
Q: Can I request a mortgage audit if my mortgage has already been redeemed?
A: Yes as long as it was redeemed in the last 12 years.
Q: What it is included in the Audit Fee?
A: Our Solicitor will manually audit your mortgage offer and redemption figures and will then produce a detailed report covering any areas of concern.
Q: Do you have a panel of experienced Solicitors if required?
A: Yes Unfair Contract? have an experienced panel of Solicitors throughout the UK who are specialist consumer litigators
Q: How long will the process take?
A: Once we have received your mortgage paperwork an audit will be requested and received within one week to ten days
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£1,431.76 from Citi Financial