At Courmacs Legal, we believe in complete transparency about how our fees work. We know legal costs can beAt Courmacs Legal, we believe in being upfront and clear about how our fees work. This page explains how we charge for the services we provide, how our no win, no fee agreement protects you, and what you can expect when you bring a claim with us.
How Our Fees Work
All of our consumer claims, including car finance and housing disrepair cases, are handled on a no win, no fee basis, formally known as a Conditional Fee Agreement (CFA).
This means:
- No upfront fees – you don’t pay anything when you start your claim.
- No success, no fee – if your claim is unsuccessful, you won’t owe us anything for our time.
- If you win, our fee is taken as a percentage of your compensation.
- Capped deductions – our fees are limited by the Solicitors Regulation Authority’s (SRA) Claims Management Fee Rules.
- Full transparency – you’ll receive and sign a written agreement (your CFA) that clearly sets out all charges and rights before your claim starts.
All fees are subject to VAT at the current rate (20%).
Important Information:
You do not need to use a solicitor or claims management company to submit a complaint or claim through the Financial Conduct Authority’s redress scheme. You can make a claim directly to the relevant organisation at no cost.
Before you decide whether to use our services, we will explain your options, including how to make a claim yourself, so that you can make an informed choice.
What’s Included in Our Fee
Our fee covers all work needed to progress your claim, including:
- Assessing your eligibility and building your case
- Gathering evidence and correspondence from the finance provider or landlord
- Drafting and submitting your claim
- Managing communication with the opponent and any third parties
- Instructing experts or counsel if required
- Negotiating settlement and handling payment
- Keeping you informed at every stage
If any external costs (known as disbursements) are required – for example, expert reports or court fees – we’ll always tell you about these in advance and get your consent before proceeding. Where possible, these costs are covered by third-party funding and insurance so you don’t have to pay out of pocket.
Our No Win, No Fee Agreement (CFA)
Your CFA is a legally binding agreement between you and Courmacs Legal Ltd. It sets out how we’ll act for you, what you’ll pay if your claim succeeds, and your rights to cancel.
Key points:
- You only pay if your claim succeeds.
- Our Success Fee (the percentage we charge from your compensation) reflects the risk we take in funding your case at no cost to you.
- The Success Fee is not recoverable from your opponent and is deducted from your compensation if your claim is successful.
- Our Success Fee is capped according to the SRA’s limits.
- You have a 14-day cancellation period after signing to change your mind at no cost.
If your claim does not succeed, you don’t pay us anything for our time. Any expenses or disbursements are covered by insurance and third-party funding arrangements we have in place.
PCP Car Finance Claim Fees
For PCP (Personal Contract Purchase) claims, our Success Fee is capped in line with the SRA Claims Management Fee Rules. The following table sets out our maximum possible deductions:
| Band | Compensation Amount (£) | Maximum Fee (%) | Maximum Fee (£) |
|---|---|---|---|
| 1 | 1 – 1,499 | 30% | 420 |
| 2 | 1,500 – 9,999 | 28% | 2,500 |
| 3 | 10,000 – 24,999 | 25% | 5,000 |
| 4 | 25,000 – 49,999 | 20% | 7,500 |
| 5 | 50,000 or above | 15% | 10,000 |
Example calculations (including VAT at 20%):
- £1,000 compensation → 30% fee = £300 + VAT (£60) = £360 total
- £5,000 compensation → 28% fee = £1,400 + VAT (£280) = £1,680 total
- £50,000 compensation → 15% fee = £7,500 + VAT (£1,500) = £9,000 total
Housing Disrepair and Other Claims
We’ll soon be publishing our full fee structure for housing disrepair and other claim types. In the meantime, our no win, no fee model still applies — you won’t pay anything unless your claim succeeds.
If you’d like written details for a specific claim type, please get in touch and we’ll provide the information promptly.
Funding, Insurance and Expenses
We have third-party funding and After-the-Event (ATE) insurance in place to cover expenses on your behalf. This ensures you don’t face financial risk if your claim is unsuccessful.
All monies recovered in your case, including your compensation, are paid into a secure Third-Party Managed Account (TPMA) operated by Shieldpay Ltd, which is regulated by the Financial Conduct Authority (FCA). From there, we deduct our agreed fee and transfer the remaining balance directly to you.
Cancelling Your Agreement
You have the right to cancel your Conditional Fee Agreement within 14 days of signing, without giving any reason and without any charge.
If you cancel after that period, you may be required to cover certain costs depending on the stage of your case – these are clearly set out in your CFA. You can read more about cancelling your agreement in our Cancellation Policy.
To cancel, you can email cancellations@courmacslegal.co.uk or write to:
Courmacs Legal Ltd
Alexander House
Haslingden Road
Blackburn
BB1 2EE
Marked for the attention of Darren Smith.
Transparency and Regulation
Courmacs Legal Ltd is authorised and regulated by the Solicitors Regulation Authority (SRA number 819044).
We’re required under the SRA Transparency Rules to publish clear and accurate information about our fees, funding arrangements, and client rights.
You can also read our Terms of Business and Funding, Fees & Expenses Policy at:
www.courmacslegal.co.uk/policies/business-terms
Questions About Fees?
If you have any questions about how our fees work, please get in touch. We’ll explain everything clearly before you sign any agreement.
Email: info@courmacslegal.co.uk
Phone: 0330 341 0481
