(i). ''Agreement" means the Engagement Letter and these Terms.
(ii). "Claim" means your Claim(s) against the Creditor(s) relating to the mis-selling of a PPI policy or policies or a Packaged Bank Account (PBA) on any account with that Creditor, including unfair commission charges.
(iii). "Claim Service" means preparing, submitting and negotiating your Claim(s) to the Creditors once we have found PPI or identified a PBA.
(iv). "Cooling Off Period" means 14 days from the date the Claim(s) are submitted to the Creditor(s) during which time you may cancel the Claim(s) free of charge
(v). "Compensation" means any and every financial benefit that is awarded to you (in each and all cases before the deduction of any applicable tax) directly or indirectly arising from or in connection with, and at anytime following, a claim for redress instigated or dealt with by us for you, in relation to any PPI policy, PBA or any other financial or insurance product. Compensation includes, for example, all: (i) refunds (ii) repayments (iii) interest (iv) compensation for interest, charges and other sums paid or lost (v) sums paid following actual or purported reconsideration of previously rejected claims for redress and (vi) ex gratia payments and "distress and inconvenience" payments. Compensation includes any cash payment, any credit to a loan, bank, credit card or other account (including any accounts you did not identify or specify to us) and any off-set of any arrears or reduction of overdraft on any such accounts.
(vi). "Creditor" means the financial institution to whom the Letter of Authority is addressed being the bank, lender, credit card, store card, loan, insurer, underwriter or other organisation that provided / sold the PPI policy or PBA and/or applied unfair or unlawful charges:
(vii). "Free PPI Check" means WFAC will endeavour to identify for free whether PPI exists or existed on products or accounts provided by a Creditor.
(viii). "Instruction" means your Instruction to WFAC to commence the Claim Service contained in these Terms. Your Instruction can be given once PPI or a PBA has been located. You can provide your Instruction by completing the PPI or PBA Questionnaire over the telephone with WFAC. The same Instruction will apply to refer your Claim(s) to the Financial Ombudsman Service (FOS).
(ix). "Letter of Authority" means the document to be sent to the Creditor containing your authority for WFAC to act on your behalf.
(x). "PBA'' means Packaged Bank Account.
(xi). "PPI" means Payment Protection Insurance.
(xii). "PPI Questionnaire" means the PPI/FOS/Lender questionnaire form(s) that have been filled out by WFAC using information you have given during the Free PPI Check and/or Claim Service process which may be used by WFAC to refer your Claim(s) to the Creditor and/or the FOS.
(xiii). "Terms" means these terms and conditions.
(xiv). "WFAC" means We Fight Any Claim Ltd (company registration number 06649961) (and references to 'we' and 'us' are references to WFAC).
(xv). "you" and "your" means the account/policy holder(s) whose details are set out in the Letter of Authority and who have appointed WFAC to act on their behalf.
A. We will carry out a Free PPI Check for You.
B. By completing, signing and returning the Letter(s) of Authority and Engagement Letter you agree to be bound by this Agreement and appoint WFAC to provide the Free PPI Check.
C. You give WFAC your consent and full authority to deal with creditors on your behalf and obtain relevant information.
D. WFAC will ask for your PPI information from Creditors by making statutory requests (or similar) to each of your Creditors to obtain information about all of your credit agreements and your associated payment history and review them, together with any documentation you may have provided to us, to determine whether a PPI policy was sold alongside them.
E. You can cancel the Free PPI Check at anytime at no cost to you by either phone, email or in writing.
F. WFAC agrees never to charge you anything for the Free PPI Check.
G. WFAC will endeavour to inform you, free of charge, whether any of the policies or accounts that you have had with your Creditors included PPI and/or whether you have paid for a PBA.
H. If PPI is not identified on any policy or product then WFAC will endeavour to inform You.
I. If PPI is identified then you may choose to use WFAC's Claim Service.
J. We do not guarantee to find all PPI you may have been sold but we will make reasonable enquiries based on the information you provide to us.
K. You acknowledge that you could undertake the Free PPI Check yourself but have chosen to use WFAC.
A. These are the terms on which WFAC agrees to provide the Claim Service(s) and you agree both to be bound by them and to acknowledge them once we have received your Instruction to proceed with your Claim(s).
B. You acknowledge that you are aware that You could complain directly to Your Creditor(s) at no cost and, if necessary, pursue your complaint with the FOS or via a County Court.
C. If our Free PPI Check, or any other check, indicates that any PPI or PBA products were sold to you, we will contact you to discuss the circumstances surrounding the sale of them.
D. We will not process your Claim(s) until we receive Your Instruction. You can provide your Instruction by completing the PPI or PBA Questionnaire over the telephone with WFAC. Upon doing so you will be bound by this Agreement.
E. Where we believe that a PPI policy or PBA may have been mis-sold to you, we will prepare a detailed claim and present it to your Creditor(s). Thereafter, we will correspond and negotiate with your Creditor(s) to endeavour to obtain Compensation for you, consisting of a reimbursement of any PPI premiums or PBA charges paid on those agreements plus statutory interest. However, in establishing the existence of a PPI policy or PBA, we do not warrant that your Creditor(s) have necessarily mis-sold any PPI or PBA to you.
F. Where we believe it would be in your best interests to do so we reserve the right to refer you to a nominated third party to pursue any or all of your Claims on your behalf. If you accept such a referral and enter into a contract with that third party these terms and conditions will cease to apply (but only in relation to the Claim(s) which are the subject of the referral) and the third party's terms and conditions of business will instead apply from that time.
G. We will inform you of any offers received from your Creditor(s) and tell you whether we consider them to be acceptable.
H. If your Creditor pays Compensation direct to WFAC, we will arrange to forward the balance of your Compensation as soon as possible after deduction of any fee due for our Claim Service. You agree to the deduction of any fees by us in these circumstances.
I. We do not guarantee to return all original documents (such as statements, policy or credit agreements) to you. However, we will return any documents you provide to us for identification purposes, such as a passport, a driving licence or birth / marriage certificate.
J. We reserve the right to assign this agreement and all rights under it and to subcontract to others all or any of our obligations under it. This agreement is personal to you and is not assignable by you except to your personal representatives.
A. We will NOT advise you to accept an offer that we consider inadequate or advise you to reject an offer that we consider to be reasonable.
B. We will NOT accept an offer without your agreement.
C. We will NOT give or offer you financial advice.
D. We will NOT offer legal advice in the event of it becoming apparent that your claim should go to court. Nor will we commence legal proceedings on your behalf as this is outside the scope of our services. However, if your case meets certain criteria, we may offer you a referral to a firm of solicitors so that your Claim can be pursued in court.
A. To provide us with all relevant information and items we request to enable us to pursue your Claim(s) including all documents in your possession relevant to your Claim(s) or which evidence any aspect of your Claim(s).
B. To send us any correspondence you receive directly from your Creditors in relation to a credit agreement or PPI policy or PBA that is the subject of a Claim.
C. Not to ask us to work in an improper or unreasonable way or to mislead us.
D. Not to contact the Creditor against whom your Claim is being made regarding the claim, unless we agree that it is necessary.
E. You agree that we may enter into correspondence and negotiations on your behalf with your Creditor(s) about your Claim(s) and you authorise the release to us of any such information we deem appropriate.
F. You agree that we may receive, bank and give valid receipt for your Compensation payment (where a Compensation payment is made directly to us by any of your Creditors).
G. You agree that any Compensation payment may be made direct to us and that we may deduct our fees and forward the balance to you. If your Creditor refuses to send the Compensation payment to us, you agree to notify us of you receiving your Compensation or any offset against arrears on your account within 3 days of receipt. You also agree to account to us for our fees once you have received payment of your Compensation. You keep the rest. If you fail to make payment of any outstanding fees, we reserve the right to take legal action to recover our fees from you and in these circumstances you may be charged a fee for any legal action, additional work carried out or any costs we incur in pursuing you for payment including any legal costs. We may also cease acting for you in connection with any other Claim(s).
H. To provide us with truthful, full and accurate information (including all documents that may be relevant to your Claim(s)) and not to attempt to or actually mislead us in any way or provide us with information you believe to be untrue or to conceal from us any information you believe to be true. Not to provide us with inaccurate documents or fail to provide us with documents you believe to be relevant.
I. Not to appoint (or continue to appoint) any other claims handling business or any other person, firm or company to provide the services we provide under our agreement with you during the term of our Agreement with you. You agree that where - prior to appointing us as your representative - you have appointed another claims handling business or person(s) to provide the services we provide under our Agreement with you, our appointment shall supersede and revoke any previous appointment(s) you have made. You also agree that if you were to appoint any other person, firm or company to provide the services we provide under our Agreement with you, and you fail to notify us that you have appointed the other person, firm or company, then you will be liable to pay our fee of 24% (including VAT) of any offer of Compensation from your Creditor(s) resulting from work you had already instructed us to commence for you.
J. You agree that if you accept an offer of Compensation in respect of a mis-sold PPI policy or PBA, your PPI policy or PBA is likely to be cancelled. In these circumstances you agree that it is your responsibility to check whether any alternative insurance cover or banking facilities may be necessary or appropriate for you and, if so, to arrange suitable alternative insurance cover and/or banking facilities.
A. We charge a total fee of 24% (including VAT) of any Compensation awarded to you by Your Creditor(s) ("the Success Fee"). The total you will therefore be charged, including VAT at the current rate, is 24% of any Compensation which is awarded to you. This is equivalent to £240.00 for every £1,000.00 of Compensation. For example, if Compensation of £3,000.00 is awarded to you, you would pay £720.00 including VAT.
B. Each claim for Compensation in relation to each PPI policy, PBA or other financial product will be defined as a "Relevant Claim". Once you have received Compensation in relation to a Relevant Claim you will immediately be liable to pay the Success Fee in relation to that Relevant Claim.
C. This is a 'no win no fee' agreement. In relation to each Relevant Claim, provided you do not cancel or terminate this Agreement, the only fee you will be charged in relation to that Relevant Claim is the Success Fee. However, if you cancel or otherwise terminate this Agreement, more than 14 days after instructing us to provide our Claim Service but before either: (i) a Success Fee becomes payable in relation to a Relevant Claim or (ii) we have notified you that we do not intend to pursue that Relevant Claim any further, we may charge you a fee (the "Cancellation Fee") in relation to that Relevant Claim. The Cancellation Fee will be calculated and charged in accordance with 6 below.
D. Where Compensation is paid to you (or at your request or direction, or to anyone else acting on your behalf) you will immediately pay us the relevant Success Fee. If Compensation is paid to us, you authorise us to deduct the Success Fee before passing on the balance of the Compensation to you (which we will do as soon as reasonably practicable).
E. If you are in arrears with your loan, hire purchase, mortgage or credit card repayments or if your PBA is overdrawn, a creditor may use some or all of any Compensation to offset your arrears or reduce your overdraft. In these circumstances you will remain liable immediately to pay the Relevant Success Fee.
F. If you are more than one person, "you" means both of you jointly and each of you severally; and each of you is and are jointly and severally liable for any and all amounts you owe us. This means, for example, that we can collect all our Success Fee in relation to any Relevant Claim from either of you, and this will be the case even if some or all of the Compensation in relation to any Relevant Claim is paid to the other joint account holder.
G. If you fail to notify Us that you are bankrupt, or in an IVA, or in a Scottish Trust Deed or in a Debt Management plan, you will still be liable to pay our Success Fee in the event that you are awarded Compensation even though you may not receive any of the Compensation yourself. For example, if Compensation worth £1,000.00 is awarded to you whilst you are in an IVA, a Scottish Trust Deed or Debt Management Plan under which you owe £3,000.00 to your Creditor(s), your Creditor(s) may choose to offset your Compensation against your arrears. If so, this would reduce your arrears to £2,000.00. In those circumstances, you would not receive any cash payment "in hand" but you would still be liable to pay £240.00 (24% including VAT at current rates).
H. We can deduct and retain any amounts you owe to us from any Compensation (or any other amounts) we may receive on your behalf.
I. If any form of tax is payable by you or on your behalf in relation to any Compensation (such as income tax which is payable by you in respect of the interest included in your Compensation) you will be fully responsible for such payment and we shall have no responsibility to make such deduction or payment on your behalf. If such tax is deducted or withheld from your Compensation before it is paid to you, this will not affect the Success Fee (so that for example, if Compensation of £1,000.00 is awarded to you, but tax of £50 is withheld, so you actually receive £950, our Success Fee, including VAT at current rates, will be £240.00 (being 24% of £1,000.00).
J. If, after termination of this Agreement for any reason, except for breach by us, but including cancellation by you, you receive an offer or award of Compensation in relation to any Relevant Claim the Success Fee will be payable, but any Cancellation Fee you have already paid will be credited against it.
A. You have a right to cancel your Agreement with us at any time. You can do this by notifying us via telephone, email or post using the contact details in clause 10. You can also do this by signing and sending us the cancellation form contained in the pack we send You.
B. If you cancel your claim(s) within the 14 day Cooling Off Period you will owe WFAC nothing.
C. If you cancel your Claim(s) at any time after being notified that an offer of reasonable Compensation is due to you, you will be liable to pay WFAC's Success Fee.
D. If you cancel or terminate your Agreement with us after the expiry of the Cooling Off Period, a Cancellation Fee may be charged. The Cancellation Fee in relation to each Relevant Claim will be determined according to E below. If you ask us to provide our Claim Service but later fail, when asked, to provide us with any document or information necessary to enable us to pursue a Relevant Claim, we may assume that you wish to cancel our Claim Service and, in these circumstances, subject to clause 6B, we may charge a Cancellation Fee.
E. (i). Subject to 6B and to (iii) below, if we have obtained relevant information from you and submitted the Relevant Claim to the Creditor whom we believe sold you the relevant product, but less than 8 weeks have elapsed since we did so, the Cancellation Fee will be a sum equal to the reasonable cost of any work we have carried out for you to date (capped at £75) per Relevant Claim (provided that if we have submitted more than one Relevant Claim in relation to the same type of financial product to a particular Creditor, you will be charged only one Cancellation Fee in relation to all such Relevant Claims submitted to that Creditor);
(ii). Subject to (iii) below, if we have obtained relevant information from you and submitted the Relevant Claim to the Creditor whom we believe sold you the relevant product, and 8 weeks or more have elapsed since we did so, the Cancellation Fee will be a sum equal to the reasonable cost of any work we have carried out for you to date (capped at £150) per Relevant Claim (provided that if we have submitted more than one Relevant Claim in relation to the same type of financial product to a particular Creditor, you will be charged only one Cancellation Fee in relation to all such Relevant Claims submitted to that Creditor);
(iii). If you have received an offer or award of Compensation in relation to any Relevant Claim, the Cancellation Fee will be the same as the Success Fee: 24% (including VAT at current rates), of the amount of Compensation offered to you;
F. The provisions in 5D, 5E, 5F, 5G and 5I above will apply, with any necessary modification, to Cancellation Fees as they apply to Success Fees.
G. We can cancel your agreement with us at any time if you have breached your duties set out at paragraph 4 or if you are adjudged bankrupt or you enter a voluntary arrangement with your Creditor(s). In those circumstances we reserve the right to charge our fee of 24% (including VAT) if, by that time, an offer of Compensation has been made to you.
H. If in our opinion any Relevant Claim does not have a reasonable chance of success (better than 50:50) or where the likely amount of Compensation does not justify the work necessary by us to pursue it or is less than any arrears on your account, we reserve the right to advise you accordingly and cease acting for you in relation to such Relevant Claim.
I. 'No Win, No Fee' - in the event that we advise you that we are unable to assist you in pursuing any Claim(s), no fee will be payable by you provided that you have not breached your duties set out at paragraph 4. However, in accordance with this clause 6, our 'No Win, No Fee' policy may not apply if you cancel your Claim(s) after you have been offered or awarded Compensation from your Creditor(s).
If the supply of the Free PPI Check service or the Claim Service is adversely affected by or prevented or delayed by any act or omission of you, your agents, advisers or third parties, we shall not be liable for any costs, charges or other losses sustained or incurred by you or for any failure in negotiating a settlement of your Claim(s) in full or in part arising directly or indirectly from such prevention or delay.
The information that we gather about your personal and financial situation may be classed as "personal data" or "sensitive personal data" under the Data Protection Act 1998. By returning a signed Engagement Letter and/or Letter of Authority to us and entering into this Agreement, you give us permission to:
A. Our agreement with you shall be governed exclusively by the laws of England and Wales.
B. Any dispute between us and you arising under our Agreement with you shall be subject to the exclusive jurisdiction of the courts of England and Wales.
You can at anytime request from us a copy of all information that we have regarding you (for which We may charge a fee of £10.00) and correct any inaccuracies in it. If you provide information to us about another party, you confirm that such party authorised you to do so and consents to our processing that personal information.
You can make a complaint about any part of our service by using our internal complaints procedure. You can do this by post to: We Fight Any Claim Ltd, Tintern House, William Brown Close, Llantarnam Park, Cwmbran, NP44 3AB or by email to firstname.lastname@example.org or by telephone on 01633 705 081. You can also find a copy of our Complaints Procedure at www.wefightanyclaim.com. If we are unable to resolve your complaint you may refer your Complaint to the Legal Ombudsman Service. You must do this within 6 months of our final response to your complaint. The Legal Ombudsman can be contacted by phone on 0300 555 0333 or by email at email@example.com or by post to Legal Ombudsman, PO Box 6804, Wolverhampton, WV1 9WG.
A. The provisions of this Agreement shall subsist after termination to the extent necessary to give fullest effect to its terms and intent. Without prejudice to the generality of the foregoing, but for the avoidance of doubt, clauses 5, 6, 7, 8, 9, 10 and 11 shall do so.
B. lf any part of our Agreement with you or any part of these Terms are held by any court to be wholly or partly void or unenforceable, the other provisions and the rest of the affected provisions shall continue to be valid.
C. Nothing in our Agreement with you excludes or limits any party's liability for fraudulent representation or other frauds.
D. Failure or delay in exercising our rights shall not amount to waiving those or other rights.
E. Persons other than you and us have no rights to enforce our Agreement with you.
F. Our Agreement with you supersedes prior communications between you and us.
G. Subject to any time limits which may apply to your Claim(s) and subject to this Agreement you have the right to seek advice concerning your Claim(s) from third parties and/or to solicit claims handling services elsewhere.
H. You authorise us to provide you with information about products and services from our group or associated companies and our trusted partners.
I. References to "you" in this document includes all persons who have signed a copy of our Engagement Letter and/or Letter of Authority.
We Fight Any Claim Ltd is regulated by the Claims Management Regulator in respect of regulated claims management activities. Our authorisation number is CRM 14824 and our registration details can be confirmed on the Regulator's website: www.gov.uk/moj/cmr
We Fight Any Claim Ltd are committed to protecting and respecting the privacy of anyone using www.wefightanyclaim.com (“our website”).
This policy (and any other documents referred to in it) sets out the basis on which any personally identifiable information (“personal data”) we collect from you, or that you provide to us, will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it.
Whilst every effort has been made to ensure that our online forms and emails are as secure as possible, we are not able to guarantee the security of any information you submit via this website or over the internet. This is because the internet is not a secure medium of communication. Submitting your personal information into our site is done at your own discretion.
For the purpose of the UK data protection legislation, the data controller is We Fight Any Claim Ltd a limited company registered in England and Wales under company number 06649961. Our registered office address is Cradoc House, Heol y Llyfrau, Aberkenfig, Bridgend CF32 9PL. Our Registration number with the Information Commissioner is Z1406608.
Our websites allow you to complete and submit an online form, to express your interest in our services. We request personal data from you such as your name, telephone number and email address in order that we may contact you about our PPI reclaim services. If you submit your data via the online submission form, your data will be stored securely and used by us to make contact with you about our service.
We use personal data held about you in the following ways:
To ensure that content from our websites is presented in the most effective manner for you and for your devices;
To carry out our services and any other obligations arising from any contracts entered into between you and us, such as disclosing your personal data to third parties; for example, financial institutions, the Financial Ombudsman, the Financial Services Compensation Scheme, our Regulators, and third party service providers;
To obtain your interest in products and services that our Group of Companies (The We Plan Group) may be able to offer or arrange. Products include; Claims Management – Mis-sold Payment Protection Insurance, Mis-sold Packaged Bank Accounts; Future Planning – Wills, funeral plans, Non-Underwritten Life Cover; Financial products – Debt help, unsecured lending, re-mortgage, equity release. We will usually ask about your interests in these products in order to gain your consent to future marketing. Where you have an existing relationship with us, we may contact you under our legitimate interests to offer products and services only where we think it reasonable to do so and have carried out an appropriate assessment. You can object at any time from receiving such marketing – see Section 6 below.
To allow you to participate in interactive features of our service, such as our portal, when you choose to do so;
To notify you about changes to our service;
To comply with our legal obligations;
To administer our site and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes;
And as part of our efforts to keep our websites safe and secure.
We may employ other companies and individuals to perform functions on our behalf. Examples include analysing data, and providing marketing assistance. Such companies and individuals may have access to personal information needed to perform these functions, but shall not use it for any other purposes and are required to process the data in accordance with the UK Data Protection law.
Cookies are small files saved to your computer’s hard drive that track, save and store information about your interactions and use of the website. This allows the website, through its server, to provide you with a tailored experience within the site. You are advised that if you wish to deny the use and saving of cookies from this website on to your computer’s hard drive you should take necessary steps within your web browsers security settings to block all cookies from our websites and their external serving vendors.
Other cookies may be stored to your computer’s hard drive by external vendors when this website uses referral programs, sponsored links or adverts. Such cookies are used for conversion and referral tracking and typically expire after 30 days, though some may take longer. No personal information is stored, saved or collected.
Communication, engagement and actions taken through external social media platforms that our websites participate on, are custom to the privacy policies held within each social media platform respectively.
Users are advised to use social media platforms wisely and communicate/engage upon them with due care and caution in regard to their own privacy and personal details. Our websites will never ask for personal or sensitive information through social media platforms and encourage users wishing to discuss sensitive details to contact them through primary communication channels such as by telephone or email.
Our websites use social sharing buttons which help share web content directly from web pages to the social media platforms, facebook and twitter. You should be aware that these sites are likely to be collecting information about what you are doing all around the internet, including on our websites. You are advised before using such social sharing buttons that you do so at your own discretion and note that the social media platform may track and save your request to share a web page respectively through your social media platform account. In some cases, these sites will register that you are visiting either of our websites and the specific pages you are on, even if you don’t click on the buttons but are logged into their services, like facebook or google. You should check their respective privacy policies to find out what they do with your information and to find out how to opt out or delete such information.
You have the right to ask us not to process your personal data for marketing purposes. We will usually inform you (before collecting your data) if we intend to use your data for such purposes or if we intend to disclose your information to any third party for such purposes. You can exercise your right to prevent such processing by contacting our Data Protection Officer at: DPO@wefightanyclaim.com or telephone: 01633 705 081
If you request information from us but decide not to use our service, your personal data will be automatically deleted after 12 months. If you do use our PPI/PBA reclaim service, we are required by law to retain your personal data for as long as is reasonably necessary to comply with our statutory and contractual obligations. You have the right to request we delete your data from our records subject to our statutory and contractual obligations. This is known as the right to be forgotten.
You also have the right to access information held about you. Your right of access can be exercised in accordance with current Data Protection legislation. An access request will be provided free of charge. Any further or subsequent copies may be subject to a fee to meet our costs in providing you with details of the information we hold about you.
You have the right to rectification, which means that the personal information we hold about you can be rectified, if any of its detail has been logged or processed incorrectly. If you would like us to make any amendments to the data we hold, please contact us at DPO@wefightanyclaim.com
If you have any concerns about the way we process your data, you can contact us using the above details, or in writing to:
The Data Protection Officer
We Fight Any Claim Ltd
William Brown Close
We Fight Any Claim Limited (‘WFAC’ or ‘we’, ‘us’ and so on) will provide you with the Free PPI Check. If WFAC identifies one or more PPIs or packaged bank accounts (‘PBA’s) and you Instruct WFAC to do so, WFAC will review the relevant circumstances and, if it considers appropriate, make Claims on your behalf. Until you do this, the contract for WFAC to provide the Claim Service will not take effect: you will not have to proceed with WFAC and WFAC will not have to provide the Claim Service for you. If and when you Instruct WFAC to undertake the Claim Service in relation to any PPI and/or PBA, our agreement with you, as set out in the Terms and Conditions document enclosed with this Engagement Letter, will take effect.We will then provide the Claim Service and have the right to charge accordingly. The full terms of our agreement with you are set out in our Terms and Conditions document enclosed with this letter. It is important that you read and understand them before signing this letter. If you are not sure whether to enter into this agreement, you should seek independent legal advice first. We do not charge any fee for our Free PPI Check service.We do charge a fee for our Claim Service equal to 24% (including VAT)of the value of any compensation you are awarded. The remainder of any compensation you are awarded is yours to keep. If we are unable to claim any compensation for you, no fee will be payable provided you have not cancelled our Claim Service. For details please refer to our Terms and Conditions. The enclosed Terms and Conditions will apply to the agreement between you and us. Expressions used above will have the same meanings as in the enclosed Terms and Conditions.