| Q: |
I live in Scotland. Can I submit a claim? |
| A: |
Mortgage and secured loan agreements must be written under English Law that applies to England and Wales. Although you live in Scotland it may be possible that your agreement was written under English law. Please check with us first. |
| |
|
| Q: |
Can I claim against any Mortgage Agreement or Secured Loan Agreement? |
| A: |
Yes, both current and previous mortgages and current and paid off secured loans. The final payment must have been made within the last 12 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 an IVA (Individual Voluntary Arrangement)? |
| A: |
If you are in an IVA then we can help. |
| |
|
| Q: |
Does it matter if I am in a Debt Management Plan? |
| A: |
If You are in a Debt Management Plan we can help. |
| |
|
| 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, our legal team will do this for you. |
| |
|
| Q: |
Is it correct that I will not be ‘blacklisted’ by the lender if I make a claim? |
| A: |
Yes, 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. |
