As long as the amount is less than £25,000 and above £2000 (Claim4Refunds only deal with claims over £2000) then we can pursue a claim against any Credit Agreement governed by the Consumer Credit Act.

Claim4Refunds can audit the following types of credit agreement to see if you have a claim: (providing that the claim is over £2000) Personal Loans, Credit Cards, Hire Purchase Agreements, Car Finance, Mortgage Loans, Secured Loans and Payment Protection Insurance.Time limits apply on each type of agreement so if you think you may have a claim, please call us and we will be glad to discuss this with you.

Yes, we are. ClaimForRefunds Ltd, trading as Claim4Refunds is regulated by the Ministry of Justice. Our authorisation number is CRM18156.

Yes we can. Claim4Refunds can obtain all of the paperwork required to make a claim on your behalf. All you need to do is give us as much information as possible to enable our experienced claims handlers to assess your claim. If you do have any of the original paperwork please include this when you return your claim pack. Time limits apply though - so don't delay!

It is impossible to give you an exact time period as the length of time before a settlement can be reached can vary widely. Also, lenders will try and take the maximum time possible before offering any settlement. However, what you can be assured of is that we and your appointed solicitor, will work tirelessly on your behalf to achieve settlement in the shortest time possible.

NO! We strongly advise you do not pay an upfront review fee to any company. We have seen competitors trying to charge between £200 and £600 to review each loan agreement. We are a financially solvent company that does not need to and does not see why a client should pay a large upfront review fee. We are on your side at all times during the process. Please see our Terms and Conditions for full details of fees payable for a claim.

Claim4Refunds have much experience with claims management activities and take our duties to our clients very seriously. You will benefit from a combination of specialist legal knowledge and the use of solicitors and barristers that are experts in their field.

Yes you can try to do so. Advice is available from the Financial Ombudsman or you could seek assistance from organisations such as the Citizens Advice Bureau. However, it can be a drawn out process and you may not wish to bear the burden of court fees. Claim4Refunds feel access to expert legal advice is important in these matters.

No. We can still assist you in making a claim.

No. Once you have authorised us to deal with your complaint you do not need to inform your creditors. They are also not allowed to pressurise or hassle you in relation to your complaint.

This depends on your specific case. Our solicitors will advise you on this.

Yes. The process will not affect your ability to apply for another credit card or loan with a different lender although we cannot guarantee how a particular lender / creditor may react. We believe that it would not be in the lenders commercial interests to decline an application with merit.

No, if unsuccessful you will not have to pay any costs incurred. Arrangements are in place to ensure the costs are covered. If successful the nominated solicitor will seek the costs from the other side.

Yes. Apart from being able to challenge potentially unenforceable credit agreements we also offer the following services for our clients:

- Tax Refunds
Are you entitled to a tax refund? 1 in 3 people are!
- Bank Charge Refunds
We can help you to reclaim all charges incurred in the last 6 years!
- Payment Protection Insurance Review service
We will review your PPI and if mis-sold make a claim on your behalf - FREE!

If you win, our fee is payable of 29% (+VAT) on the total amount of money written off or recovered on a credit agreement. Should we recover PPI premiums you have paid then our fee will be 29% (+VAT) of the total recovered. This will be subtracted from the total amount you receive from the creditor.This includes all legal advice and representation. Please see terms and conditions for full information.

If you lose a case the maximum amount of money you would pay is our minimum fee of £99 per claim. We do not charge this fee for any claim where a Payment Protection Insurance policy is evident on an agreement. Please see terms conditions for full details (8.4.1 and 8.4.2). You will not pay for legal advice if you lose as this is offered on a 'no win no fee basis'. We believe our offering is both ethical and reasonable. Many of our competitiors charge between £200 and £600 per audit upfront with no guarantees of success - We strongly advise you not to do business with companies who operate in this manner. We are always happy to discuss our fees with our clients - please call us or email This e-mail address is being protected from spambots. You need JavaScript enabled to view it

Yes, this is explained in our terms and conditions (8.4.1 and 8.4.2). The fee would be £99 and charged after a case is closed after a full review by our solicitors. We are always happy to discuss the likelihood of you having a worthy claim by telephone 0800 822 3455 or email – This e-mail address is being protected from spambots. You need JavaScript enabled to view it . Claim4Refunds will review any agreement where a Payment Protection Insurance (PPI) policy is evident on a 'no win no fee' basis. The majority of agreements taken out in the past 12 years do have PPI on them. If we win, we charge a fee of 29% (+VAT) on any monies recovered or written off by the lender. This fee can be paid at once or, as we appreciate many of our clients may like to do, in affordable monthly installments. We are trying to be ethical in all stages of our business and keep costs to a minimum for our valued clients.

*Please remember that no minimum fees are charged for any agreements on which you have insurance* (PPI)

- Client support (Email/Post/Telephone)
- An independent assessment of your consumer credit agreement (if applicable)
- Expert legal advice and vetting procedures
- Staff and specialist consultants
- IT systems
- Depreciation of assets related to claims management
- Postage and packaging
- Directors/SMT cancellation meetings and decision processes
- Preparation of claims
- Creation of physical file, filing costs
- Creation and updating of online accounts
- Advertising costs