These are our Terms and Conditions in reference to Claims Management, please read through them and keep this copy for your reference.

1. Definitions

In these terms and conditions ("Conditions") the following words and phrases mean:

1.1. Audit Fee: The fees payable by You to Liberty Claims for the Services in relation to Regulated vehicle finance, Regulated loans, Credit card agreements, Mis-sold Payment Protection Insurance (PPI) policy.

1.2. Card: A credit card supplied by the Lender that is the subject of the Agreement and associated services.

1.3. Client Agreement: The Client Agreement form provided by Us to You in accordance with Condition 3.5.

1.4. Contract: Any contract between Liberty Claims and you the client for the provision of the Services, including these Conditions, the Client Review Form and the Client Agreement.

1.5. Document Request Fee: The fee of £10 in the case of the credit card audit, and £1 for a fixed term agreement, payable by You to the product Provider for the charge for requesting documents from the Provider in relation to the Product or Card.

1.6. The Company: Is Liberty Claims of 12 Liberty Way, Liberty Business Park, Attleborough Fields Industrial Estate, Nuneaton, CV11 6RZ.

1.7. Product: The Regulated vehicle finance, Regulated loans, Credit card agreements, Mis-sold Payment Protection Insurance (PPI) policy, supplied by the Provider that is the subject of the Services as set out in the Client Agreement.

1.8. Provider: The company or lender that supplied the Product that is the subject of the Services as set out in the Client Agreement.

1.9. Registration Form: The form completed by Liberty Claims based on information provided by you the client, in relation to the Product or Card.

1.10. Services: The claims management services to be provided by Liberty Claims to You, including but not limited to, the completion and review of the initial Client Review Form, submission to underwriting to evaluate the potential for a claim, the production of the Client Agreement and the request of appropriate documentation.

1.11. Successful Claim: That you receive some form of compensation payment, either by settlement out of court or by an award ordered by the court.

1.12. You/Your: The person(s) who purchases the Services from Liberty Claims.

2. Under the Contract:

2.1. Condition, schedule and paragraph headings shall not affect the interpretation of these Conditions.

2.2. Words in the singular shall include the plural and vice versa.

2.3. A reference to a statute or statutory provision is a reference to it as it is in force for the time being, taking account of any amendment, extension, or re-enactment and includes any subordinate legislation for the time being in force made under it.

2.4. A reference to "writing" or "written" includes faxes, e-mail and letters.

2.5. Where the words "include(s)", "including" or "in particular" are used in these Conditions, they are deemed to have the words without limitation following them and where the context permits, the words other and otherwise are illustrative and shall not limit the sense of the words preceding them.

3. Application of Conditions:

3.1. The Contract shall be on these Conditions to the exclusion of all other terms and conditions.

3.2. No variation to these Conditions shall have effect unless expressly agreed in writing and signed by one of Liberty Claims Directors or designated individual. You acknowledge that you have not relied on any statement, promise or representation made or given by or on Liberty Claims behalf which is not set out in the Contract. The stated terms and conditions shall not exclude or limit Liberty Claims’s liability for fraudulent misrepresentation for any of the services that we offer to you the client.

3.3. We will complete a Client audit registration based on information provided by You to Liberty Claims. We will then carry out audit procedure to assess the chance of a Successful Claim based on the information provided for each respective agreement or product.

3.4. Liberty Claims will inform You of the outcome from the audit process. If Liberty Claims inform You that there is a possible or a good chance of a Successful Claim, You will confirm to Us whether or not You want Us to proceed with your individual claim. This process will be repeated for each claim independently.

3.5. If You do want to proceed, We will provide a Client Agreement to You for signature. You must complete a Client Agreement for each Product or Card in respect of which You wish Liberty Claims to provide the Services.

4. Fees and payment:

4.1. The Audit Fee and the Document Request Fee is to be paid to Liberty Claims by You for each Product or Card in respect of each Service that we are to provide You the client.

4.2. The Audit Fee is due upon signature by You of the Client Agreement.

4.2.1. For a audit in relation to the following (detailed below) the corresponding fees will be payable

Regulated vehicle finance	£295 refundable *
Regulated loans	£295 refundable *
Credit card agreements	£295 refundable *
Mis sold Payment Protection Insurance	£0

* We reserve the right to withhold refunds if misleading information is supplied. Please note, once one of our solicitors takes on your claim, the refund is no longer available.

5. What Liberty Claims WILL do for You:

5.1. We will pre-assess your Claims and or Credit Agreement(s) and, if appropriate pass on to our litigation panel to pursue on your behalf a claim for the remaining balance of the credit agreement to be deemed unenforceable; reimbursement of repayments made, plus statutory interest and future repayments discontinued.

5.2. We will provide this service only at your written request via a Client Agreement form.

5.3. Our Legal panel of solicitors will correspond and negotiate with the lender on your behalf in this action. You will be required to sign a Letter of Authority to facilitate this.

5.4. Your legal representative will inform you of all offers/information that we receive from the Lender; evaluate them and advise you in writing whether we consider it to be in your interests to accept or to reject.

5.5. Your legal representative will forward to you any compensation agreed in settlement of your claim with the defendant.

5.6. Liberty Claims will, at all times, endeavour to provide you with a professional and dedicated service. We will use all reasonable skill and care in the processing of your claim. You will be provided with real time web based tracking facility so that you will be able to track the progress of each of your claims that are in our system.

5.7. We will always act in your best interests in pursuing your claim and always seek to obtain the best outcome.

5.8. The legal team will return all your documents (including bank statements, policy or credit agreements) upon completeion of your claim.

5.9. We will help you complete any paperwork that you may be required to fill in during the claim process.

6. What Liberty Claims WILL NOT do for you:

6.1. Advise you to pursue a claim that, in our opinion, does not have reasonable chance of success, or where the amount in question does not justify the work involve. We reserve the right to cancel this Agreement if in our opinion this is the case.

6.2. Advise you to accept or reject any offer that we consider reasonable, and we reserve the right to cancel this Agreement if you wish to accept or reject an offer that we consider to be reasonable.

6.3. Accept or reject any offer without your agreement.

6.4. We do not give or offer you any financial advice as part of any claim.

6.5. We will NOT take steps to remove any negative credit entry that your lender may have registered against your name.

7. What we EXPECT from you:

7.1. To promptly provide us with relevant information we request to enable us or our legal representatives to pursue your claim.

7.2. To provide instructions to us in a clear and concise manner.

7.3. To co-operate with us and our legal representatives.

7.4. Not to ask or expect us to conduct ourselves in an improper or unreasonable way or to mislead us.

7.5. To provide us and our legal representatives with exclusive authority to act on your behalf (even to the exclusion of yourself) to pursue your claim.

7.6. To read and understand all of our terms and conditions and sign the attached disclaimer to say that you have.

7.7. To keep a copy of our terms and conditions for your reference.

8. Cancelling this Agreement:

8.1. If we advise that your claim is unlikely to succeed, and if you have not upheld your duties as set out in section 7 above, we may cancel this arrangement and no fee will be payable by you.

8.2. At any time, we may cancel this arrangement. If the Agreement is cancelled and we are entitled to charge you for any work done, and we elect to do so we will charge you on the following basis. Any charges will be calculated at an hourly rate of £16, and be measured in units of six minutes. We will warn you if we intend to charge such fees and provide an estimate as to how much they are likely to be.

8.3. If you breach your duties as set out at paragraph 7 above we may cancel this agreement.

8.4. If you accept or reject an offer that we consider to be reasonable, we may cancel the agreement.

8.5. Cancellation of this Agreement by either party must be in writing.

8.6. There is a 14 day cooling off period in which you may cancel the agreement without any charge.

8.7. The fee may be paid by any valid method; however, if payment is made by credit card the customer will be liable to interest on that debt at the card holder’s rate.

This agreement is a legally binding contract and in signing the Client Disclaimer and Acceptance of our Terms and Conditions Form, you are accepting the said terms and conditions and confirming your understanding of its contents.