| Q: |
I live in Scotland. Can I submit a claim? |
| A: |
No, a Mortgage or secured loan must be secured on houses in England, Wales and Northern Ireland. |
| |
|
| Q: |
Can I claim against any Mortgage Agreement or Secured Loan Agreement? |
| A: |
Yes, both current and previous mortgages and secured loans. The final payment must have been made within the last 6 years for paid off mortgages and secured loans. |
| |
|
| Q: |
Am I protected for legal costs in the event of losing the case in court? |
| A: |
Yes in the unlikely event that you lose your case in court, our Legal Team would have ‘After the Event Insurance’ in place to protect you from any liability. |
| |
|
| Q: |
Does it matter if I am in a Debt Management Plan or an IVA (Individual Voluntary Arrangement)? |
| A: |
If you are in a Debt Management Plan or an IVA we can still help you. |
| |
|
| Q: |
Can I claim on a Loan secured on my car? |
| A: |
No, the loan needs to be secured on land or property. |
| |
|
| Q: |
Is it correct that I do not have to discuss details about the claim with my Lender? |
| A: |
Yes, once you have authorised ourselves to deal with your claim on your behalf, everything will be done for you. |
| |
|
| Q: |
Am I likely to be ‘blacklisted’ by the lender if I make a claim? |
| A: |
No, under the ‘treating customers fairly’ rules, you should not be treated any differently to any other borrower. |
| |
|
| Q: |
Is it correct that the mortgage or secured loan will be first assessed before the claim is accepted? |
| A: |
Yes, your claim will have an initial assessment over the phone before we accept your claim. |
