Terms and Conditions

Terms and Conditions

AFFILIATED TO HENDERSON LAWYERS LIMITED

Unit 2,
Ashbrook Office Park,
Manchester,
M22 5LB

 These Terms of Business set out the agreement between you and Henderson Lawyers Ltd.

TERMS & CONDITIONS

Please read the terms carefully to ensure that you understand them before signing.

1. Definitions

“Benefit” means all non-monetary benefits in whatever form including, but not limited to, all benefits that will arise from any waiver, cancellation, reduction, saving, deduction, or rescheduling of any outstanding of future loan or interest payments, credit payments, premiums, charges or others interest or administrative payments or any other saving inducement, discount, or rebate offered in relation to any other products or services offered by the financial company or persons connected to the financial company.

“Claim” means the Client’s claim or claims against the company relating to the mis-selling of any financial claim made on behalf of the client or the application of unlawful charges to the account(s) of the client.

“Client” means the account holder(s) whose details are set out in the Letter of Authority and who have appointed Henderson Lawyers Ltd to provide the Services.

“Company” means the financial institution and/or persons to whom the letter of authority is addressed being the Insurance Company, Bank, Building Society, Credit Card Company or Financial Adviser or any other enitity which sold the policy/investment or gave the

advice to the Client, or applied the unlawful charges (including for the avoidence of doubt any employee, director, agents, representatives and associates of those entities or any other entity and/or any of their predecessors).

“Fee” means the fee of 25% + VAT of your total compensation – Which is only payable if we win your claim.

“Letter of Authority” means the letter included in the claim pack to be sent to the Company from the Client.

“Service” means the work which we will undertake on your behalf in respect of your Claim including assessing the viability ofpreparing, submitting and negotiating your Claim and which is set out more specifically in clause 3.

“Terms” means these terms and conditions.

“Us”, “We” and “Our” means Henderson Lawyers Ltd a limited liability company registered in England and wales with number 07646017 having its registered office at Unit 2, Ashbrook Office Park, Longstone Road, Heald Green, Manchester, M22 5LB.

“You” and “Your” means the clients(s).

“Win” means we recover monies on your behalf and/or successfully secure a write off of any of your liabilities and/or we successfully secure reimbursement of any payments made to your credit facility and/or we successfully recover payment of any monies directly to you.

2. Duration

a) The contract shall commence on the date you sign and return these claim terms to us and, unless terminated earlier as per clause 6 below, will continue until the earlier of:

I. Compensation is recovered for you by us and you have paid the Fee.

II. We have advised you in writing that in our opinion your claim is unlikley to succeed and we are declining to act for you.

III. If you terminate our services after the point at which an offer of settlement or cancelation has been notified to you we are entitled to charge the full rate for our services as set out below in 6c.

3. We agree to

a) Review your claim application and assess the likelyhood of your claim being successful.

b) If after we have reviewed your application, it is our opinion that your claim is unlikely to be successful we may decline to act for you. We will notify you of this fact in writing.

c) If we accept your claim application, we will confirm this to you in writing and prepare and submit your claim to the company that sold you the Investment or financial product.

d) We liaise with the company and use resonable endeavours to pursue you claim.

e) We will notify you promptly of any requests for additional information or documentation that the company need to investigate your claim.

f) Notify you in writing of any offers of compensation made by this company.

g) Obtain your agreement before accepting or rejecting any offer or compensation.

h) Notify you of any circumstances beyond our control which prevent us from performing the services under this contract.

4. You agree to

a) Appoint us as your exclusive agent to handle this claim. This means that you cannot appoint another person or firm to act on yourbehalf in respect of this claim, unless you terminate this agreement with us.

b) Provide full authority to us to deal with the company on your behalf.

c) Provide truthful and accurate information regarding your claim.

d) Provide copies of all documentation that are in your possesion and which relate to the claim.

e) Respond promptly to requests by us for further information, or documents that may be needed to progress your claim.

f) Pay our fee due as a result of a successful claim.

g) Upon receipt of an invoice for the fee, you will pay the ful amount due to us within 14 business days of receipt.

5. Fees

a) “Fee” means the fee being 25% plus VAT if we win your claim only.

b) We will not charge you if the claim is unsuccessful.

c) Our fee must be paid within 14 business days of you receiving our Invoice.

d) We reserve the right to charge you interest on all sums which have not been paid by you at the rate of 2% per month over the baselending rate of Barclays Bank.

e) We reserve the right to charge you for any resonable costs incurred in seeking to recover our fee from you.

6. How you can cancel this agreement

a) You have 14 days from the date of signing this agreement to cancel your authority for us to act on your behalf. Cancellation is withoutcharge and you will have nothing to pay under this agreement.

b) The client has the right to exercise their cooling off period within 14 days without financial penalty. The client is also entitled towithdraw from the agreement at any time and without notice.

c) If at the time of cancelation desrcibed in 6b above, we have received an offer of compensation, which has been calculated in accordance with the rules of the Financial Services Authority or the principles used by the Financial Ombudsman Service and which we recommend is accepted by you, we reserve the right to charge the full fee.

7. How we can cancel or change this agreement

a) We can cancel this agreement by giving you 14 days’ notice in writing if any of the following events occur:

I. We become aware that your claim us unlikely to succeed.

II. You are declared bankrupt.

III. You enter into an Individual Voluntary Arrangement with your creditors or have a Bankruptcy petition presented against you.

IV. You do not follow any resonable recommendations made by us.

V. You provide information which you knew to be false or misleading in support of your claim and this information is material to the success of your claim.

VI. You fail to respond to reasonable requests for information in a timely manner and this prevents us from providing the service.

VII. You breach a term of the agreement and you do not correct this breach within 30 days of receiving written notification from us detailing the breach and the action required to resolve the breach.

b) We will always give you at least 30 days’ written notice of any changes before they take place. If you are not willing to accept the proposed change, you will be free to end the agreement and you will have no further amount to pay under the Agreement.

8. General conditions about this agreement

a) This Agreement is governed by English Law.

b) We may transfer with your agreement, our rights and obligations under this agreement by giving you 30 days. Written notice of suchtransfer.

c) You cannot transfer your rights and obligations under this Agreement but you can terminate the Agreement in accordance with clause 6 above.

9. Regulation

Henderson Lawyers Ltd is regulated by the Financial Conduct Authority in respect of regulated claim activities (FRN:836041). Registered with the Information Commissioners Office: registration number: ZA147049. Registered address: Unit 2, Ashbrook Office Park, Longstone Road, Heald Green, Manchester, M22 5LB. Company Number: 7646017.