TERMS & CONDITIONS

1. Credit Claim Helpline Ltd are instructed to act as my/our representative in the refund of my PPI (which within this context includes any generic provider of financial services).

2. I/We agree that no agency other than Credit Claim Helpline Ltd is currently acting for me/us in the refund of my PPI and that Credit Claim Helpline Ltd is appointed as my sole representative in relation to this/these matter(s)

3. Information relating to my/our claim will be provided to Credit Claim Helpline Ltd upon commencement of this instruction. Credit Claim Helpline Ltd will advise me/us of any further information required to pursue my/our refund and I/we will provide this information as soon as possible.

4. I/We understand that Credit Claim Helpline Ltd by virtue of the Statute of Limitation can only recover those charges and / or PPI premiums that have arisen during the past 6 years. (Five years if resident in Scotland).

5. Upon receipt of the information from me/us and (Where relevant), any additional information requested from the Bank, Credit Claim Helpline Ltd may calculate the amount owed to me/us by the Bank in respect of settlement of my loan and or PPI (Plus interest where due). However Credit Claim Helpline Ltd accepts no liability for any errors or omissions, should the amount of refund be miscalculated or disputed.

6. Should any direct communication regarding this matter (including letters, telephone calls, or in personal conversations with the Bank's staff members) be entered into with the Bank, I/we will report this to Credit Claim Helpline Ltd, within 3 days from receipt and forward all relevant documentation to Credit Claim Helpline Ltd.

7. Credit Claim Helpline Ltd will submit all necessary correspondence to the Bank and negotiate with it for the recovery of my/our money. I/We shall abstain from any pre-court negotiations with the Bank unless agreed in advance with Credit Claim Helpline Ltd.

8. Where requested, I/we will pay the £ 10.00 fee necessary to access my data request file and £ 1.00 fee for the section 77 request.

9. I/We understand that I/we should provide any information to Credit Claim Helpline Ltd which is untrue or misleading resulting in an unsuccessful claim that I/we will be liable for all fees and disbursements (including court and solicitors costs) which will be payable within 7 days of receipt of an invoice submitted by Credit Claim Helpline Ltd. Any work already completed maybe become chargeable at the rate £ 85 + VAT per hour, or part thereof.

10. When Credit Claim Helpline have represented me in the refund of my PPI claim there will be a charge of 25%+VAT ON ALL AMOUNTS RECOVERED.

11. The standard 25% + VAT is payable on all sums recovered. Any court fees and/or solicitors costs, will be payable in addition to this fee should they be recovered from the bank (whether they are included within the refund or are paid in addition to the refund)

12. 1/We agree that all monies recovered from the bank shall be paid directly to Credit Claim Helpline, should the bank so allow. Credit Claim Helpline are authorised by me/us to deduct from the amount recovered from the bank their fees plus any other fee that they have paid on my/our behalf before they forward the balance to me/us. Credit Claim Helpline will provide a receipted invoice with the refunds to demonstrate the amount(s) paid to them.

13. In the event that the bank pays the refund direct to me/us or if they reduce any of our debit balances by the refund amount, then I/we will liable to pay the fee(and any additional costs paid on my/our behalf) directly to Credit Claim Helpline. (a) I/we agree to notify Credit Claim Helpline of any refund received from the bank within 3 days of receipt. (b) Credit Claim Helpline will issue an invoice for their service which will be payable with 7 days issue

14. I/we agree that Credit Claim Helpline can deduct the fees for my claim form my credit/debit card upon completion of my case

15. Credit Claim Helpline will charge interest on any unpaid invoice at the rate of 10% in respect to up paid invoice

16. I/we agree not to accept any refund that is communicated directly to us by the bank without the consent of Credit Claim Helpline

17. Termination: (a) Credit Claim Helpline may terminate this agreement should the amount recovered be deemed to be insufficient to progress. (b) I/we may terminate our instruction by providing written notice to Credit Claim Helpline within 14 days of the date of this document. (it is recommended that you send any notice of cancellation by recorded delivery post). Termination after this period will be at the discretion of Credit Claim Helpline and only then in exceptional circumstances; I/we will be liable for those costs which equal to the sum payable in my/our case should my/our claim have been settle in full. Should the value of my/our claim be unknown then I/we may be liable for the reasonable costs incurred by Credit Claim Helpline at the rate of £ 85 + VAT per hour, or part thereafter.

18. 1/we understand that Credit Claim Helpline will not disclose my/our personal details to anyone else

19. In the event that you have any arrears on your credit card/loan the refund will automatically go towards clearing these arrears. I/We will be liable to pay the 25%+VAT fee directly to Credit Claim Helpline Ltd with 7 days of the date of the invoice.

20. Non-payment of invoice without exception, all invoices must be paid in full within 7 days of issue. The cost of any telephone call and invoice reminders may be added to the outstanding debt - . £ 10.00 + VAT Second and subsequent written reminder . £ 10.00 + VAT Second and subsequent telephone reminder . £ 50.00 + VAT Solicitor Letter before Action (LBA).

21. The costs of any county court action (£ 25 - £ 100) will be added to the outstanding debt together with statutory interest, pursuant to section 69 of county court Act 984 until the debt is paid in full I/We have read the Terms and Conditions, specifically those relating to my/our payment obligations.