Terms & Conditions

These Terms & Conditions (“Terms”) explain how our services work and set out the agreement between you and Reclaim Experts Ltd (“we”, “us”, or “our”).

By using our website, completing an eligibility check, or instructing us to act on your behalf, you agree to these Terms.

 

1. Who We Are

Reclaim Experts is a trading style of Reclaim Experts Ltd, a Claims Management Company authorised and regulated by the Financial Conduct Authority (FCA).

Company details:
Reclaim Experts Ltd
Company Number: 16058317
FCA Firm Reference Number (FRN): 103070
Registered in England and Wales
ICO Registration Number: ZB869483

 

2. Our Services

We are not lawyers and we do not give legal advice. We operate an introductory service which aims to introduce you to our solicitor panel.

We provide claims management services to help customers pursue potential compensation relating to mis-sold car finance agreements, including Personal Contract Purchase (PCP) and Hire Purchase (HP) agreements.

Our services include:

• Carrying out a free eligibility check

• Explaining your options clearly

• Introduction to Partner Solicitor (with your consent)

• Liaising with solicitors on your behalf

 

3. Free Eligibility Check

Completing an eligibility check is free and does not commit you to making a claim. The eligibility check is an initial assessment only and does not guarantee that compensation will be awarded. You are under no obligation to proceed beyond this stage.

 

4. No Obligation to Use Our Services

You are not required to use Reclaim Experts to pursue a claim.
You may choose to:

• Contact your lender directly

• Complain to the Financial Ombudsman Service

 

We will always aim to be clear and transparent so you can make an informed decision.

 

5. Partner Solicitors

Claims are handled by independent, regulated partner solicitors. We may receive a referral fee for introducing you to a partner solicitor. This referral fee does not affect the amount of compensation you receive. Your claim will be subject to the solicitor’s own terms and conditions.

 

6. Fees and Charges

Reclaim Experts Ltd is a claims management company authorised and regulated by the Financial Conduct Authority. We do not provide legal services ourselves; instead, we work alongside trusted solicitor partners who are authorised and regulated by the Solicitors Regulation Authority.

All legal work is carried out independently by the solicitors under a Conditional Fee Agreement (CFA), commonly referred to as a No Win No Fee arrangement.

If your claim is successful, a success fee of between 18% and 36% (including VAT) will be deducted from your compensation. Full details of these fees will be clearly set out in your solicitor’s agreement before you choose to proceed.

If your claim is unsuccessful, you will not be required to pay anything.

 

Cancellation Fees
You have a 14-day cooling-off period from the date you enter into a formal agreement

If you cancel within this period, no fee will be payable. If you cancel after the cooling-off period, a cancellation fee may apply to reflect work already completed.

 

7. Compensation Outcomes

We cannot guarantee that a claim will be successful. Estimated or average compensation figures are illustrative only and not guaranteed. The final amount (if any) is determined by the lender, solicitor, or relevant redress scheme.

 

8. Your Responsibilities

You agree to:

• Provide accurate and truthful information

• Inform us of any changes that may affect your claim

• Cooperate with reasonable requests for information or documents

 

9. Credit Rating

Making a claim does not affect your credit score.

 

10. Complaints

We are committed to treating customers fairly.

If you are unhappy with our service, you can make a complaint by contacting us directly. Full details are available in our

Complaints Policy.

If we cannot resolve your complaint, you may have the right to refer it to the Financial Ombudsman Service.

 

11. Website Use

When using our website, you agree not to:

• Use it for unlawful purposes

• Attempt to gain unauthorised access

• Provide false or misleading information

 

We may suspend or restrict access if these Terms are breached.

 

12. Intellectual Property

All content on this website (including text, logos, and branding) is owned by or licensed to Reclaim Experts Ltd and must not be used without permission.

 

13. Limitation of Liability

We are not responsible for:

• Decisions made by lenders, solicitors, or regulators

• Losses caused by circumstances outside our control

• Outcomes where compensation is not awarded

 

Nothing in these Terms limits liability where it would be unlawful to do so.

 

14. Data Protection

Your personal data is handled in line with our Privacy Policy and Cookie Policy, which form part of these Terms.

 

15. Changes to These Terms

We may update these Terms from time to time. The latest version will always be available on our website.

 

16. Governing Law

These Terms are governed by the laws of England and Wales, and any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

 

17. Contact Us

If you have any questions about these Terms & Conditions, please contact:

Reclaim Experts Ltd
Email: info@reclaimexperts.co.uk
Address: The Innovation Centre, 49 Oxford Street, LE1 5XY