General Questions
We’ve answered the most frequently asked questions below to help you understand how our process works and what you can expect from us.
No. You are not required to use a law firm or claims company to make a complaint or claim for compensation.
You can raise a complaint directly with your lender yourself, and if you are unhappy with their response, you can escalate the matter for free to the Financial Ombudsman Service (FOS).
We are here to provide expert support, handle the process on your behalf, and improve your chances of navigating complex issues successfully, but the choice is entirely yours.
We understand that you want to stay informed. Our team will provide regular updates via your preferred communication method, whether that’s phone calls, emails, or text messages. You can also reach out to us anytime for updates on your claim.
While we cannot guarantee success, our experienced team will assess the details of your case to provide you with a realistic view of your chances. Factors such as the evidence you provide and the specifics of your situation will influence the outcome.
Yes, you can still make a claim with Courmacs Legal even if another company has rejected your claim. Each case is unique, and we will review your circumstances to determine the best approach for pursuing your compensation.
To help us process your claim quickly, please gather relevant documents, such as your original car finance agreement, any correspondence with your finance provider, proof of payments made, and any documentation related to your complaint. The more information you can provide, the easier it will be for us to assess your case.
We will also require a form of identification, not only to comply with Anti-Money Laundering (AML) regulations but also to verify your identity with the lender if you’re making a PCP claim. Identification ensures that your claim can be processed smoothly and prevents any delays. Acceptable forms of ID include a valid passport, driving licence, or other government-issued identification.
If you have any concerns about providing documentation or identification, our team is here to assist you every step of the way.
- If your claim is settled and your damages or compensation is accepted, the defendant will pay the total sum into our ‘client account’.
- When we receive the money from the defendant, our fees will be deducted. Our fees depend on each claim and will be detailed in the agreement document you signed at the beginning of the process.
- Once the fees have been deducted, we will promptly send the final amount to your bank account.
- We then kindly ask you to leave us an honest Trustpilot or Google review of the work we did on your claim and your experience throughout! This helps show that we are a reliable and trusted service.
Each claim is different and depends on how much information we have, or how responsive the defendant is. We’ll always keep you updated at key stages.
In order to speed up the claims process, please provide as much information as you can about your financial agreement. It’s always a good idea to save policy documents; by providing these, we can locate your policy using your credit history.
This will also help avoid requests for further information later on in the process.
Once you’ve signed up, we’ll confirm your details and begin preparing your claim. You’ll receive a confirmation email and regular updates as we progress.
Cancellation Questions
Yes, you can cancel your claim at any time. If you cancel within the 14-day cooling-off period, no fees will be charged. However, fees may apply if you cancel after this period. Please email cancellations@courmacslegal.co.uk, call 0330 341 0481 or visit our cancellations page. Rest assured, your request will be handled promptly and professionally. Please note that if you do choose to cancel outside of your 14-day cooling-off period, you may be liable for any fees we have incurred while processing your claim.
When you sign up, you have a 14-day cooling-off period to decide whether you’d like to continue with your claim or cancel. This gives you time to consider your options before proceeding.
If you choose to cancel after the 14-day period, you may be liable to fees as our insurance does not cover cancellations made part-way through the process.
Your cooling-off period starts from the date you signed up, which is shown on the agreement we sent you.
Fees & Costs Questions
If your claim is successful, a success fee or other costs will be deducted from your compensation award. This will be fully explained before you agree to proceed with your claim so there are no surprises.
If your claim doesn’t win, our fees will be covered by insurance, and your case will be closed with no hidden costs to you. If your claim is successful, the lender will pay your compensation into our client account, our percentage of fees (plus VAT) will be deducted, and the remaining compensation will be paid promptly to you.
Please note: You have a 14-day cooling-off period during which you may cancel without any charge. If you choose to cancel after this period, you may be required to pay for any work that has already been carried out, as explained in our Terms and Conditions. We will always provide clear information about any costs before they are incurred.
As long as you continue to instruct us, cooperate with us, and allow us to progress your claim, you will not be required to pay our fees yourself. If your claim is unsuccessful, you will not owe us anything.
We are committed to complete transparency and ensuring there are no unexpected costs for our clients. If you have any questions about fees or cancellations, feel free to contact us.
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
To read more about our fess, please visit Our Fees Page.
Mis-Sold Car Finance Questions
No.
The checks carried out to review your claim are classed as soft searches, meaning your credit score is not affected.
The PCP Redress Scheme is a UK-wide compensation scheme designed to compensate consumers who were potentially mis-sold a Personal Contract Purchase (PCP) car finance agreement. The Financial Conduct Authority (FCA) introduced the scheme following concerns that some lenders and dealerships may have used discretionary commission arrangements, which allowed them to increase interest rates for their own financial gain.
The FCA is currently consulting on a redress scheme for customers affected by undisclosed commission arrangements. Until the scheme launches (expected 2026), some complaints may be paused or reviewed later. We’ll keep clients informed of any updates.
You usually have six years from when you took out the finance, or three years from when you first became aware there might be an issue. The FCA’s upcoming redress scheme will introduce its own specific deadlines, and the Financial Ombudsman Service (FOS) has suggested a long-stop date of 29 July 2026 for some motor-finance commission complaints. To keep your case eligible under FCA and FOS timelines, it’s best to act promptly
Housing Disrepair Questions
The length of time a Housing Disrepair claim will take generally depends on the findings of any experts instructed, Landlords response and their willingness to engage with us in a timely manner but there is no fixed time if which a case for housing disrepair will be completed.
Our Housing Disrepair Litigation team will keep you updated at each stage and on each response, providing an explanation and advice along the way. We must look to engage in Alternative Dispute Resolution (ADR) as a way to find agreement with your Landlord.
If we do not feel that the ADR is proving worthwhile, or that your landlord is not engaging appropriately, we will then discuss the option of issuing the claim at Court.
Cases usually take around 6 – 12 months. If the case is issued at Court, however, then the claim potentially could take around 12 months to conclude.
Didn’t find the answer you were looking for?
Our team is happy to help. Get in touch and we’ll make sure you get a clear answer fast.
