VALUE FOR MONEY 

If you want help from a professional firm with comprehensive knowledge of the claims process and a proven track record of successfully claiming millions in compensation then you have come to the right website.

We offer a NO-WIN-NO-FEE service, so you have nothing to lose by using our service and no fees to pay unless we win your claim.

We are low cost compared to the vast majority of claims management companies, and you get a high level of personal service with an outstanding chance of success (assuming you have a valid claim).

We use our insight and knowledge to put together a claim that we feel gives you the best chance to get compensation, where a financial product or service has been mis-sold. This can be a product that was poorly advised because it was not the best solution for you, or it may be a product that was sold to you in the wrong way (such as, you were not given all options, you were given misleading impressions, the costs and benefits were not properly explained and so on…)

We have been winning compensation for people since 2004, and broke through the million pound mark soon after starting to advise our clients.

Currently, we are seeing a high volume of successful mis-sold PPI (Payment Protection Insurance) claims, where expensive (and poor value) insurance contracts were added to credit agreements, seemingly without little choice.

The sales practices of retailers, brokers and credit companies were shoddy to say the least and often resulted in a mis-sale taking place, without the customer realising it.

We also help with claiming back unfair bank and credit card charges, mis-sold endowments, poor investment advice, wrong advice to transfer pension plans, or to contract out of SERPS, amongst other things. We have some useful links on our site to help demonstrate what we offer. Our experience means we can help with almost any financial claim.

All you need to do to get the ball rolling is to complete and submit our CLAIM FORM (click on the tab above) and we’ll email you with an acknowledgement within 24 hours and issue our full paper claims pack for you to consider further.

There has been some scaremongering online about low cost firms such as ours, saying that we keep ALL of the interest paid on any claims, but this is NONSENSE. Our fees are low and simple (see OUR FEEs tab for some examples and more information). We believe in transparency and clarity, unlike many firms who hide their fees away.

STRONG ETHICS & DESIRE TO WIN YOU COMPENSATION

We feel strongly that customers should be protected and treated fairly and the Financial Services Authority (FSA) agrees, which means there could be millions of people waiting to be paid compensation.

However, to get compensation, you need to claim it and it is not always straightforward because the firms that mis-sold PPI and other financial products (such as investments, endowments, pensions etc) are reluctant to pay compensation and often put up a fight and many obstacles.

We use our proven expertise and inside knowledge to give you the greatest chance of success (though obviously not guaranteed). We also put in all of our effort and determination, no matter how hard the resistance is, to win your claim where we believe you are in the right. We also undertake all of the administration even in the knowledge that we are not guaranteed a fee unless we win your claim.

We believe in fairness, so we have created a tiered charging structure, which covers our costs and ensures we do not profiteer from your compensation, as so many firms do with high flat fees.

STARTING A COMPENSATION CLAIM

Before making a claim, you must decide whether to go it alone or to employ an agent, such as oursleves.

Nowadays, it is necessary for all claims management companies to be regulated by the Ministry of Justice, as it is illegal to help you if they are not. We are regulated by the MoJ and registered with the Information Commissioners Office, so you know you are dealing with a reputable company (also see our Testimonials tab for further proof from genuine client comments).

WHY USE LCC?

There are a number of reasons why you should use us rather than going it alone, or using a different regulated claims management company:

1. Knowledge and expertise giving you the edge in your claim
2. No-Win-No-Fee
3. Low and fair fees – average 15%, but lowest is 9%
4. Efficient and personal service
5. Honesty and integrity

More detail below:

1. Knowledge and expertise giving you the edge in your claim
We have access to a consultant who has worked spent many years working within the complaints handling departments at several banks, life insurance companies, investment companies and friendly societies, so has a highly valued insight into how these firms treat their customers and the processes they adopt in trying to avoid paying claims, or paying lower amounts than potentially available.

By using our services instead of other claims management companies, or indeed by tackling the claim on your own, you get access to this rare insight, which would otherwise not be available to you. Remember that knowledge is king when doing battle with these large institutions!

We know that some banks in particular will try to avoid paying any compensation and, even once they agree to compensate, they then try to pay reduced offers, which many unsuspecting people do not realise is way below what they are due.

Although each case is different, we confidently believe that our expertise and knowledge will give many people a greater chance of not only winning compensation but also ensuring that you get the maximum amount due. Indeed, our experience over the years of helping people with their claims has shown that many offers can be increased once challenged in the right way. Any increased offer can often more than cover our fees, so in some cases going it alone, although a free option for you may end up being a false economy.

In a nutshell, our knowledge enables us to:

a. identify all the failings in the advice/service you received
b. construct a strong case for you
c. strongly challenge these institutions with confidence
d. avoid the pitfalls and to recognise when these companies are simply playing hardball
e. use various avenues to get the compensation
f. check any offer, including any calculations, to ensure the offer is reasonable

2. Low and fair fees
Although we offer valuable expertise, our fees not only fairly structured but also lower than the vast majority of other claims management companies. You can therefore rest in the knowledge that you are not overpaying and are getting a rarity these days: value for money. See our FEES tab for more detail on our tiered fee levels.

3. Efficient and personal service
We are not a large company, so we will treat you as an individual rather than a number and will be able to give you a personal service. You can email us at any time and we aim to respond within 24 hours, though no later than 48 hours (even most weekends). In urgent cases you can call a consultant on a mobile number at any time of day (if for some reason the phone is off, leave a message and they will call back at the earliest opportunity).

4. Honesty and integrity
We are on your side and have the highest degree of professionalism.

5. No-Win-No-Fee
Ultimately, we take on the financial risk of the claim because if we are unsuccessful in the claim, you owe us nothing. We do not undertake legal action through the courts, as this is outside our remit, but we pursue all other regulated claims processes including liaising with the Financial Ombudsman Service and the Financial Services Compensation Scheme.

So, if you would like us to look after you and your claim, please submit an online application now by Clicking on our “CLAIM FORM” and submitting your details.

GOING TO COURT

In most cases, it will not be necessary to go to court, as our expertise in putting claims together usually avoids this. Therefore, do not feel you need to appoint a firm of expensive solicitors rather than a claims company such as ourselves.

If we are not successful, then we do not make a charge and you still have the option to go to court (our actions do not prejudice legal action).

We will also be available to help you with the legal process, though we do not represent our clients in court. If it does become necessary to appoint a solicitor at a later date, we will continue to provide what assistance we can (we don’t just give up).