TELEPHONE: 0207 046 63 00
9.00am to 5.00pm from Monday to Friday

TERMS OF BUSINESS

1. The following words shall have the following meanings:
"PPC" - Professional Personal Claims Ltd of 4 Old Park Lane, London.
"Client" - The individual or individuals who sign this agreement.
"Responsible Party" - A Firm, Company, Institution, Bank, Trust, Society, Union, Insurer, Arranger, Ombudsman Scheme or Compensation Scheme.
"Product" - All Policies, Products and Services provided to and arranged for the Client by the Responsible Party or their successors.  
"Compensation" - The total monetary value of: compensation, refund, payment, reduction in debt, early receipt of funds and other financial benefit awarded to the Client.
“Reasonable Compensation Award” - an award of Compensation to the Client which is calculated in accordance with the Financial Conduct Authority, the Financial Ombudsman Service or the Financial Services Compensation Scheme guidelines, which ever is the lower amount.
“Service” - Professional Personal Claims Ltd’s investigation into the circumstances surrounding the Clients acquisition of the Product and PPC’s submission of a Compensation Claim or Complaint to the Responsible Party on behalf of the Client.
“Fee” - A Payment by the Client to PPC for providing the Service.
2. The Client confirms they believe the Product was likely to have been mis-sold to them, which has lead to a financial loss, requests PPC provides the Service and that PPC will be the sole provider of the Service to the Client.
3. PPC confirms it cannot warrant the Service it offers to provide will result in Compensation being awarded to the Client, the amount of any Compensation or the time required to provide the Service.
4. The Client will provide PPC with all relevant information known to them and all relevant documentation held by them to assist PPC provide the Service.
5. If the Client is not awarded Compensation, the Client will not pay PPC a Fee.
6. If PPC provides the Service and the Client is awarded Compensation, for Payment Protection Insurance Products the Client will pay PPC a Fee calculated at twenty four per cent (inclusive of twenty percent VAT) of the Net total value of Compensation awarded to the client.
7. Examples of PPC’s Fees for Payment Protection Insurance Products: The Client is awarded compensation of one thousand pounds, PPC’s Fee will be two hundred and forty pounds inclusive of VAT. The Client is awarded compensation of three thousand pounds, PPC’s Fee will be seven hundred and twenty pounds inclusive of VAT. The Client is awarded compensation of ten thousand pounds, PPC’s Fee will be two thousand four hundred pounds inclusive of VAT. These examples do not indicate the actual amount compensation that may be awarded to the Client.
8. The Client will pay PPC its Fee within seven days of receiving payment of Compensation or within thirty days of receiving written notification they have been awarded a Reasonable Compensation Award. Each Client signing this Agreement will be jointly and severally liable to pay PPC’s Fee.
9. If the Client is or has been in an IVA, Trust Deed, Bankruptcy, Sequestration, Debt Relief Order or is in arrears with the Responsible Party, they may not receive the Compensation awarded to them. If the Client has disclosed this status to PPC, PPC’s Fee will not exceed the Compensation payment the Client actually receives.
10. The Client and PPC may interpret the others failure to fulfil their obligations under this Agreement as that parties’ cancellation of this Agreement.
11. The Client does not have to use a claims management Company to claim compensation. The Client can make their own claim directly to the Responsible Party, use the Financial Ombudsman Service or Financial Services Compensation Scheme free of charge. The Client can also pursue their own claim through Court and may be eligible for assistance from any legal expense Insurance they possess.
12. This Agreement may be cancelled at any time by the Client clearly notifying the Company. If the Client cancels this Agreement before the Company has completed providing the Service, no fee will be payable. If the Client cancels this Agreement after fourteen days and the Company has completed providing the Service, if the Client is not awarded Compensation, the Client will not pay the Company a Success Fee. If the Client cancels this Agreement after fourteen days and the Company has completed providing the Service, if the Client is awarded Compensation, the Client will pay the Company a Success Fee.
13. This Agreement may be cancelled at any time by PPC clearly notifying the Client that it does not believe it can arrange a Reasonable Compensation Award.
14. PPC will communicate with the Client to inform them receipt of their claim, information required from the Client, significant changes to the claims status, the progress of the claim and the outcome of any Compensation claim.
15. If the Client fails to pay PPC’s Fee when due, they will also become liable to pay PPC’s reasonable administration fees of up to five hundred pounds, interest calculated at twelve per cent per annum and all recovery expenses incurred.
16. The Client and PPC will not be liable for damages or delays caused by events beyond their control. If the Product is cancelled as a result of the Service, the Client will consider replacing the Product at their expense.
17. PPC are authorised and regulated by the Financial Conduct Authority, FCA FRN Number: 835856 and licenced by the Information Commissioners Office for compliance with the Data Protection Act and the General Data Protection Regulation registration number Z2191194.
18. The Client can complain to PPC at: 34 Clarence Street, SS1 1BD, 0207 046 6300, complaints@ppclaims.com. If PPC does not resolve a complaint within 8 weeks the Client can refer it to the Financial Ombudsman Service, 0800 023 4567, www.financial-ombudsman.org.uk, free of charge within 6 months.
19. The Client and PPC may assign the benefits arising from this agreement if such assignment does not prejudice the other parties’ rights.
20. The Client and PPC agree each party may process data, share data and retain records as they are required: to complete their obligations within this agreement, by regulators and the Law. The Client agrees PPC may share their information with the Responsible Party, all parties relevant to providing the Service.
21. The Client is advised to seek independent legal advice before entering into this Agreement. If one or more of the conditions of this Agreement become unenforceable, this shall not effect the enforceability of any other conditions. This Agreement shall be governed by the jurisdiction of English Law. By sending an Agreement containing these terms PPC agrees to be bound by its terms. By signing and returning an Agreement containing these terms the Client agrees to be bound by its terms.