FAQs

FAQ - Debt Write Off

Q: Does it matter if I am in an IVA?
A: If you are in an IVA then unfortunately we cannot help you.

Q: Will I have to discuss this with the Creditor?
A: No once you have authorised ourselves to deal with you complaint on your behalf the creditors cannot hassle you in relation to the claim, simply remind them that Unfair Contract are dealing with this issue.

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.

Unfair Contract also have close relationships with "Barrister" chambers who are specialist in Consumer Credit Claims.

Once your "Audit" is concluded and you have a claim , these Solicitors can then act for you and you get to keep 100% of any settlement.

Q: What is included in the Audit Fee?
A: Your fee is £0

Q: Do you offer a refund if I do not have a Claim?
A: Not Applicable as there is no fee!

Q: Does it matter if i am in a Debt Management plan?
A: No, if you are in a Debt Management plan then we can still help you, please call the office for assistance.

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 - Mortgage Review:

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

FAQ - Credit Card Charge Refunds

Q: How do I know how much I have been overcharged?
A: Once you have submitted your application we will complete a free audit of your account to calculate the charges applied to your account and inform you of the next steps that we will be taking.

Q: What does No Win No Fee mean?
A: Unfair Contract? operates on a no win-no fee basis, so unless we recover compensation, you don't pay a penny to us.

Q: How much will my claim cost?
A: Unfair Contract? operates on a no win-no fee basis, so unless we recover compensation, you don't pay a penny to us.