Terms & Conditions

These Terms and Conditions ("Terms") govern the relationship between you ("Client", "you", or "your") and My Claims Centre, a trading style of SOLVO SOLUTIONS LTD (Company No. 14760023) ("we", "us", or "our") regarding the provision of referral services to connect you with specialist solicitors.

By engaging our services, you agree to be bound by these Terms. Please read them carefully before proceeding.

Important: We are not a law firm and do not provide legal services or advice. We are authorised and regulated by the Financial Conduct Authority (FCA) for claims management referrals (FRN: 1013195). Our role is to assess your eligibility and refer you to qualified solicitors who will handle your claim.

What We Do

We provide referral services to connect you with specialist solicitors. Our services include:

• Assessing your eligibility for car finance claims
• Gathering initial information about your case
• Matching you with an appropriate solicitor from our panel
• Referring you to the selected solicitor
• Following up to ensure you receive quality service

What We Don't Do

We are not a law firm and do not provide:

• Legal advice or services
• Claims management or handling
• Direct communication with lenders on your behalf
• Court representation
• Financial advice or recommendations

What Your Solicitor Does

Once referred, your solicitor will:

• Provide all legal advice and services
• Handle all communication with lenders
• Gather and review all necessary documentation
• Pursue your compensation claim
• Represent you in court if necessary
• Manage your claim through to conclusion

Formation of Contract

A contract between you and Claims Centre is formed when:

1. You complete and submit our claim eligibility form
2. We assess your eligibility and accept your case
3. You sign and return our Client Agreement

Cooling-Off Period

You have a 14-day cooling-off period from the date you sign the Client Agreement. During this time, you can cancel without giving any reason and without incurring any charges.

To exercise your right to cancel, contact us in writing at: info@myclaimscentre.co.uk

As our client, you agree to:

• Provide Accurate Information: Supply truthful, complete, and accurate information about your claim
• Timely Responses: Respond promptly to our requests for information or documentation
• Document Provision: Provide all relevant documents relating to your claim
• Keep Us Informed: Notify us immediately of any changes to your contact details or circumstances
• Cooperation: Cooperate with us, instructed solicitors, and any experts we engage
• Exclusive Instruction: Not instruct any other claims management company or pursue the same claim independently while we are acting for you
• Follow Advice: Follow reasonable advice and instructions we or our instructed solicitors provide

Consequences of Non-Compliance

If you fail to meet these obligations, we may be unable to continue with your claim. We reserve the right to terminate our services if you:

• Provide false or misleading information
• Fail to respond to communications for an unreasonable period
• Act in a way that makes it impossible to continue the claim

We will:

• Act in Your Best Interests: Assess your eligibility fairly and refer you to appropriate solicitors
• Quality Panel: Only refer you to qualified, experienced solicitors who specialize in car finance claims
• Maintain Confidentiality: Keep your information confidential in accordance with our Privacy Policy
• Be Transparent: Clearly explain our referral process and the solicitor's role
• Comply with Regulations: Adhere to FCA rules and regulations for referral activities
• Provide Quality Service: Deliver our referral services with reasonable care and skill
• Follow Up: Check that you are satisfied with the service provided by the referred solicitor

Please note: Once referred, your solicitor becomes responsible for handling your claim. We do not control how solicitors conduct cases, but we monitor service quality and can address concerns if they arise.

No Fees to My Claims Centre

You do not pay any fees to My Claims Centre. Our referral service is completely free to you. We receive a referral fee from the solicitor we introduce you to - this does not come from your compensation.

Solicitor Fees

Your solicitor will charge fees for their legal services. Typically, solicitors work on a No Win, No Fee basis:

• You pay nothing upfront to the solicitor
• You only pay the solicitor if your claim is successful
• The success fee is typically up to 30% of compensation awarded plus VAT

Important: The solicitor's fee agreement is between you and the solicitor. Your solicitor will provide you with a detailed Client Care Letter and Fee Agreement explaining their charges before you proceed.

For more information about how No Win No Fee works with solicitors, please see our No Win No Fee Policy and Fee Information.

How Referral Fees Work

When we refer you to a solicitor, we receive a referral fee from that solicitor if you proceed with them. This fee:

• Is paid by the solicitor to us (not by you)
• Does not increase your solicitor's fees
• Does not reduce your compensation
• Is fully disclosed and FCA-compliant

Typical Timeline

Claims timelines vary depending on complexity and the defendant's response. Typical claims may take:

• Simple claims: 3-6 months
• Complex claims: 6-18 months
• Litigated claims: 18 months or longer

These are estimates only. We will keep you informed of progress throughout.

Settlement

We will advise you on any settlement offers received. The decision to accept or reject an offer is ultimately yours. However, we recommend following our professional advice based on our experience.

Important: We cannot guarantee that your claim will be successful or predict the amount of compensation you may receive.

While we will pursue your claim diligently, outcomes depend on various factors including:

• The strength of evidence available
• The defendant's response and defense
• Legal and regulatory developments
• Court decisions (if litigation is required)

We will only take on claims we believe have reasonable prospects of success, but we cannot provide guarantees.

Your Right to Cancel

You may terminate this agreement at any time by giving us written notice. However:

• During the 14-day cooling-off period: No charges apply
• After the cooling-off period: Termination fees may apply as set out in your Client Agreement

Our Right to Terminate

We may terminate this agreement if:

• You breach these Terms
• You fail to cooperate or provide necessary information
• We determine your claim no longer has reasonable prospects of success
• You act in a manner that makes it impossible to continue
• Continuing would breach our regulatory obligations

We will provide written notice of termination and, where possible, give you an opportunity to remedy any breach before terminating.

To the extent permitted by law:

• We are not liable for any delays or failures caused by circumstances beyond our reasonable control
• We are not liable for decisions made by courts, tribunals, or the Financial Ombudsman Service
• We are not liable for the actions or omissions of third parties (including instructed solicitors), except where we have been negligent in their selection
• Our liability for any claim arising from our services is limited to the amount of fees you have paid to us in relation to that claim

Nothing in these Terms excludes or limits our liability for:

• Death or personal injury caused by our negligence
• Fraud or fraudulent misrepresentation
• Any other liability that cannot be excluded by law

We are committed to providing excellent service. If you are unhappy with any aspect of our service, please let us know.

Our full complaints procedure is available on our Complaints page.

If we cannot resolve your complaint, you may refer it to the Financial Ombudsman Service.

We will process your personal data in accordance with UK data protection laws. For full details, please see our Privacy Policy.

These Terms are between you and Claims Centre. No third party has any right to enforce any provision of these Terms.

We may update these Terms from time to time to reflect changes in our practices, services, or legal requirements. We will notify you of any significant changes.

Changes will not affect claims already in progress unless required by law or regulation.

These Terms are governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.