You do not need to use a Claims Management Company. You can make the claim directly to the lender and if they reject your complaint you can take it to the Financial Ombudsman Service free of charge, but you must do this within 6 months of the lenders Final Decision Letter.
Sadly, sometimes, we find a customer who decides that they are not going to pay us the money we are owed. Obviously, we find this pretty upsetting, after all, we work on a No Win No Fee basis so without honest customers paying what they owe, we would not survive. We are a tiny family-owned and managed company and we do not earn very much money.
We do take non-payment extremely seriously. We are not like lenders who accept bad debt and do not chase it, we just can't afford to let non-payers off the hook. We need every pound to survive and therefore we chase non-payers for our money. We treat customers extremely fairly and are probably the best value Claims Management Company in the UK.
So, what do we do with someone who either ignores us, refuses to send a Final Decision letter or will not pay us? The first step is to try and communicate and find out of the customer is a "Won't Pay" rather than a "Can't Pay". We are fair with every customer and if they can't pay us we sort out a solution.
We make sure that we follow all legal guidelines and rules. We will send out forms and letters following the Pre Court Protocol rules set by the Ministry of Justice. If the customer does not respond and does not tell us what the issue is, after 30 days we will commence legal action in the County Court. Once we have won in the County Court, if we are still not paid, we will seek Judgement from the Court and following the Judgement we appoint High Court Bailiff's to recover the debt for us.
We do not ever want to have to take legal action as it does not help anyone. We only end up with what we were owed and the customer ends up paying a lot more than they needed to.
If you "can't pay us" email us and talk to us.
If you think you will be a "Won't Pay Us" please cancel our services and make the claim directly with the lender.