Firstly, don’t believe all the hype – you do not need a solicitor to make a claim, unless you are forced to 
go to court (which is rare). However, you must ensure the claims management company you use is 
regulated by the Ministry of Justice, as it is illegal to help you if they are not. 

Why use LCC, I hear you ask? 

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
6.  Free Financial Advice from a trustworthy associate

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.

6. Free Financial Advice
This is an optional additional service. It is available in case you would like an impartial assessment 
of any aspect of your finances by a professional Independent Financial Advisor with the highest level 
of integrity. We know he has ethics and integrity because he is one of our consultants. In addition to 
providing us with his claims expertise, he is also authorised by the Financial Services Authority to 
give financial advice. He does this through a separate company, NOT LCC Ltd, as we only 
authorised by the Ministry of Justice to undertake claims management services.
 
So, if you would like us to look after you and your claim, please submit an online application now by 
clicking here (LINK TO TAB). Also, check out the many testimonials we have received over the years 
reflecting the high regard our clients have for us.