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The Road To Your Refund

Terms of Service

Terms of Service

The Central Claims Group LTD [CCG] are instructed to act as my/our sole representative in the settlement of my/our PPI claim(s), also CCG are instructed to act as my/our sole representative in settlement of any other accounts that are found to have PPI attached under my/our name.

I/we will provide CCG with any information requested to pursue the claim, I/we will read, sign & return any paperwork sent to us from CCG within 5 days of it being received, on the condition that we understand it and are happy with its contents.

I/We understand that the lender may contact me/us throughout this claim which will assist them in making a decision about this complaint and I/We will inform CCG about any attempt by the lender to contact me/us within 5 days of contact being made.

If the financial provider sends correspondence direct to myself, I/we will forward this to CCG within 5 working days from receipt.

The claim handling will be carried out by CCG, who have absolutely no affiliation with your financial provider. 

There is no requirement to use CCG to handle your claim. You have the right to shop around or claim directly yourself through the Financial Ombudsman Service. 

On success of your claim, CCG will charge 20% + VAT = 24% fee on all amounts received. Our charges apply to the total value of benefits,  monetary or otherwise. For example, if you receive a settlement figure of £1000, you would be required to pay us £240. This would mean a  total Payment to CCG of £240 leaving you with £760 We will not charge you a fee if you do not receive any redress from the lender. Example: Your redress repays a debt off taken by the lender. 

 If your claim is unsuccessful there will be no fee.

On receipt of settlement by the financial provider, I/we agree that we will notify CCG within 3 working days, and understand CCG will then issue an invoice for their services, which must be paid within 14 days on receipt of any compensation from the financial provider.

I/we understand if no payment has been made to CCG within 14 days of receiving a settlement from the financial provider, CCG have the right  to charge a £50 + VAT = £60 late payment charge, per outstanding invoice. CCG also have the right to seek alternative ways to recover any outstanding balance owed, which may include: debt recovery, county court judgement (CCJ), attachment of earnings, etc.. 

I/we understand that in the event that I/we fail to notify CCG of any payment or offer made in accordance with Financial Conduct Authority and Financial Ombudsman Service guidelines before I/we have withdrawn, CCG’s fee of 20% + VAT = 24% will still apply.

I/we understand that when a lenders decision is overturned through an appeal to the Financial Ombudsman Service and the customer receives a full refund, CCG's fee of 20% + VAT = 24% will still apply. If the appeal is unsuccessful there will be no Charge.

I/we agree that CCG can deduct any fees for my claim from any redress that is paid directly to CCG.

CCG may terminate this agreement should the amount recoverable be deemed to be commercially insufficient to progress. 

I/we may terminate this agreement within the 14 days cooling off period from the date of this agreement without any charge. If you cancel after the 14 day cooling off period and a  reasonable offer has been made after the 14 day cooling off period and cancellation is attempted CCG will be entitled to charge their full fee. You can cancel at any time via Phone, Email or in writing. The cancellation date will be from when you first notified us that you wish to withdraw from this agreement.
 
I/we agree and understand that failure to communicate with CCG throughout my/our claim for more than 40 consecutive days without a valid reason or prior notice, will result in my/our claim being withdrew without further notice. 

This agreement shall be governed by the laws of England and Wales and you agree to submit to the exclusive jurisdiction of the Courts.

CCG is regulated by the Claims Management Regulator in respect of regulated claims management activities, authorisation number CRM41302. 
 Registered with the Information Commissioners (Data Protection) Registration No.ZA114132, VAT Reg: 227469681

The Central Claims Group Limited, Lloyds House, 18-22 LLoyds Street, Manchester, M2 5WA. Registered in England and Wales Company Number 09541777. Tel: 0161 814 8633. Email: cs@thecentralclaimsgroup.com. Web: www.thecentralclaimsgroup.com

We have created a table for you below to show you how we will charge you. 

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Example A

All Compensation is “CASH in Hand”


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Example B:
Compensation includes “CASH in Hand” award with loan and future installment reduction
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Example C:

Compensation is used to offset arrears consumer has on the account

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Total Compensation
  £3000
  Total Compensation
    £3000
  Total Compensation
    £3000
Of which is cash:
£3000
  Of which is cash:
  £1000
  Of which is cash:
  £0
 
  Loan Reduction:
  £2000
  Set off Arrears
 £3000
  Fee Charged @ 20%
£600
  Fee Charged @ 20%
  £200
  Fee Charged @ 20%
  £0
  VAT @ 20%:
  £120
  VAT @ 20%:
  £40
  VAT @ 20%:
  £0
  Total Fee:
  £1720
  Total Fee:
  £240
  Total Fee:
  £0
  You Receive:
  £2280
   You Receive:
  £760
  You Receive:
  £0