Introduction
These Terms of Business (“the Agreement”) set out the basis on which First for Justice Ltd T/A PCP Advice Helpline (“the Company”, “we”, “us”, “our”) will provide claims management services to you (“the Client”, “you”, “your”) in relation to your claim(s) for mis-sold motor finance, including Personal Contract Purchase (PCP) and Hire Purchase (HP) agreements.
First for Justice Ltd is authorised and regulated by the Financial Conduct Authority (FCA) in respect of regulated claims management activities. Firm Reference Number: 1013306. You can verify our authorisation on the Financial Services Register at register.fca.org.uk.
By signing our Letter of Authority or otherwise instructing us to act on your behalf, you confirm that you have read, understood, and accepted these Terms of Business.
1. Important — You Do Not Need to Use Our Services
You are not required to use a claims management company to make a claim.
You can present a claim directly to the lender or finance provider yourself, free of charge. If your complaint is rejected or unresolved, you can refer it to the Financial Ombudsman Service (FOS) free of charge. If the firm responsible is no longer trading, you may be able to claim through the Financial Services Compensation Scheme (FSCS), also free of charge.
Using our services means a fee will be payable from any compensation you receive, as set out in Section 5 below.
2. Our Services
In consideration of you agreeing to these terms, we will provide the following claims management services:
- Assess the information you provide to identify whether you may have a valid claim for mis-sold motor finance
- Contact lenders and finance providers on your behalf to identify relevant finance agreements, where required
- Prepare, submit, and pursue your claim(s) with the relevant lender(s)
- Handle all correspondence and negotiations with the lender relating to your claim
- Where appropriate, refer your claim to the Financial Ombudsman Service (FOS) if it is rejected or not resolved satisfactorily
- Keep you informed of the progress of your claim at key stages and respond to your requests for updates
We do not provide legal advice, financial advice, or tax advice. We cannot guarantee that your claim will be successful or that any particular amount of compensation will be recovered.
3. Your Obligations
To enable us to provide our services effectively, you agree to:
- Provide us with truthful, accurate, and complete information at all times
- Sign and return any documents we reasonably require, including the Letter of Authority, promptly
- Notify us promptly of any direct contact, offers, or payments received from the lender in relation to your claim
- Not engage another company or person to act for you on the same claim while this Agreement is in force
- Notify us of any change to your contact details or personal circumstances relevant to the claim
- Inform us if you have previously made a claim or complaint on the same finance agreement
Providing false or misleading information may invalidate your claim and could amount to fraud. We reserve the right to terminate this Agreement immediately where we reasonably believe information provided is untrue or misleading.
4. No Win, No Fee
We operate on a “No Win, No Fee” basis. This means:
- If your claim is unsuccessful, you will not be charged a fee for our services
- A fee is only payable where your claim is successful and compensation (redress) is awarded or offered to you
- “Successful” means an offer of compensation, redress, refund, or other benefit is made by the lender or awarded by the FOS as a result of the claim we have submitted, whether or not you choose to accept it
You may still be liable for our fee if you cancel this Agreement after the cooling-off period and the claim subsequently succeeds based on work we carried out, as set out in Section 6.
5. Our Fees
Where your claim is successful, our fee is calculated as a percentage of the redress recovered for each claim, subject to the maximum fee caps set by the FCA for financial services claims. The fee bands are as follows:
| Redress Recovered | Max % of Redress | Max Total Fee |
|---|---|---|
| £1,499 or less | 30% | £420 |
| £1,500 – £9,999 | 28% | £2,500 |
| £10,000 – £24,999 | 25% | £5,000 |
| £25,000 – £49,999 | 20% | £7,500 |
| £50,000 or more | 15% | £10,000 |
All fees are inclusive of VAT where applicable. The fee is charged per claim, per finance agreement. Where redress is used to reduce an outstanding balance rather than paid to you in cash, our fee remains payable and is calculated on the total value of the redress awarded.
Worked example: if you are awarded £3,000 in redress, our maximum fee would be £840 (28% of £3,000), leaving you with £2,160. Before you sign, we will provide you with an illustration of the fee that may be payable based on your potential claim.
Our fee becomes due when the lender makes payment of the redress or confirms an offer in writing. Payment of our invoice is due within 14 days. We reserve the right to charge interest on overdue amounts in accordance with the Late Payment of Commercial Debts (Interest) Act 1998, where applicable.
6. Cancellation & Cooling-Off
14-Day Cooling-Off Period
You have the right to cancel this Agreement at any time within 14 days of signing, without giving any reason and without charge. You can cancel by phone, email, or post using the contact details at the bottom of this page.
Cancellation After the Cooling-Off Period
You may cancel this Agreement at any time after the cooling-off period. If you cancel before an offer of compensation is made, no fee will be payable for claims that have not yet succeeded.
However, if compensation is subsequently offered or awarded as a result of work we carried out before cancellation, our fee as set out in Section 5 will remain payable.
Cancellation by Us
We may terminate this Agreement by giving you written notice if we consider your claim is unlikely to succeed, if you fail to cooperate with reasonable requests, or if you provide false or misleading information. Where we terminate because the claim is unlikely to succeed, no fee will be payable.
7. Data Protection
We are committed to protecting your personal data and comply with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018. By instructing us, you consent to us:
- Processing your personal data for the purpose of assessing, preparing, and pursuing your claim(s)
- Sharing your personal data with lenders, finance providers, credit reference agencies, the FOS, and other relevant third parties where necessary to progress your claim
- Contacting you by phone, email, SMS, or post in relation to your claim
Full details of how we collect, use, and protect your personal data, and your rights as a data subject, are set out in our Privacy Policy.
8. Complaints
We aim to provide an excellent standard of service at all times. If you are dissatisfied with any aspect of our service, you can raise a complaint with us free of charge. Our full complaint handling procedure is available on our Complaints Policy page and upon request.
If you are not satisfied with our final response, or 8 weeks have passed since you raised your complaint, you may refer your complaint to the Financial Ombudsman Service within 6 months of our final response:
9. Liability
We will perform our services with reasonable care and skill. However:
- We do not guarantee that any claim will be successful or that any particular level of compensation will be achieved
- We are not liable for any loss arising from false, inaccurate, or incomplete information provided by you
- We are not liable for delays or failures caused by lenders, the FOS, or other third parties outside of our control
- Nothing in these terms excludes or limits our liability for death or personal injury caused by negligence, fraud, or any other liability which cannot be excluded by law
10. General
- This Agreement is personal to you and you may not transfer your rights or obligations under it to anyone else
- We may update these Terms of Business from time to time; the version in force at the date you sign will apply to your claim
- If any provision of this Agreement is found to be unenforceable, the remaining provisions will continue in full force and effect
- This Agreement is governed by the laws of England and Wales, and the courts of England and Wales shall have exclusive jurisdiction over any dispute arising from it
Questions about these terms?
First for Justice Ltd T/A PCP Advice Helpline · Clavering House, Clavering Place, Newcastle Upon Tyne, NE1 3NG
info@pcpadvicehelpline.co.uk