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Gilham Capital Ltd, PO Box 362, North Ferriby, HU14 9AL
Client Information and Checklist
*Customer Name(s)
*House Number / Name
*Street Name
Locality
*City
County
*Post Code
*Home Telephone Number
*Mobile Number
Alternative number
Email Address
*Date of Birth
*Loan Provider
Amount of Loan
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Helping you claim your Payment Protection Insurance Refund
Payment Protection Insurance Terms of Instruction
Please Read, Sign and Date below
I/We hereby appoint Key Financial Claims to act on my/our behalf as my/our sole representative and claims intermediary in respect of my/our claim for any mis-sold Payment Protection Insurance. I/We shall provide all information required by Key Financial Claims, as requested, by return. I/We shall not enter into any agreement with the Bank/Lender without first consulting Key Financial Claims.
Cancellation:
Key Financial Claims can cancel this agreement at any time and no fee will be payable by you if we think there are no grounds for a complaint or that your claim is unlikely to succeed. The Company shall have the right to terminate the contract by giving written notice to the client and at any time to immediately terminate the contract if there occurs any material breach by the client of any term of the contract which is irremediable or if remediable is not remedied to the Company’s satisfaction within 15 days of a written notice by the Company specifying the breach and requiring it to be remedied: or the client is adjudicated bankrupt; or the client does not follow any recommendations of the Company. The client shall have the right to terminate the contract by giving written notice to the Company within 14 days of signing the contract. In the event that the client terminates the contract after 14 days the Company reserves the right to make a cancellation charge that will reflect the work undertaken by us in pursuit of your claim. Naturally this could be anything up to our full fee at the time. If we have received an acceptance of liability or an offer of compensation, a charge of the greater of three hundred and fifty pounds plus VAT, or 29.5% (including all taxes applicable from time to time, if any) of the claim. Cancellation of the agreement must be done in writing.
Compensation:
Means the total monies and the full value of benefits offered by the Third Party (i.e. Loan Company, Broker, Lender, IFA or any other company associated with your claim/s) whether as compensation, as a gesture of goodwill, refund, discount or otherwise arising from any claim made by the Company on behalf of the Client for an allegedly mis-sold PPI and/or any reduction in the loan amount outstanding and/or any interest or capital recovered. Where such an offer is revised on appeal, then the higher amount shall be used in order to calculate the amount of the Compensation. I/We understand that if the lender uses my redress monies to reduce arrears on my loan or credit card then the total fee will still be payable to Key Financial Claims.
Responsibilities: Key Financial Claims shall:
a) Act in the best interests of the client in pursuing any potential claim against any financial institution.
b) Provide the client, using the company’s experience of payment protection insurance, with impartial advice on the risks and benefits of pursing a claim against any financial institution.
c) Advise the client on suitability of any offer of settlement on behalf of any financial institution The Client shall:
a) Provide the Key Financial Claims with full and accurate information and not mislead it in any way. b) Respond to any request from Key Financial Claims for instructions or further information without delay. c) Advise Key Financial Claims of any change of address details or contact telephone numbers immediately.
Law & Jurisdiction:
The law applicable to this contract shall be the law of England and Wales and the parties consent to the jurisdiction of the English courts in all matters affecting this contract. Services provided to the Company may include commencement of legal proceedings to recover compensation, but this is not applicable in every case. The Company makes no
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Payment:
Key Financial Claims will endeavour to recover all monies owed and undertake to forward any payment from our bank to the client within 7 days from the date received, subject to the agreed fee of 29.5 %( including all taxes applicable from time to time, if any) . We require that you promptly pay our fee no later than 10 days after you receive your compensation (if you are paid directly) or if you have no intention of accepting the offer and we recommend that you do so, 10 days after our recommendation. In the event Key Financial Claims takes steps to recover any service charges due and unpaid by the Client to Key Financial Claims, the Client shall pay to Key Financial Claims a recovery fee of £100 plus VAT. An example of our fee -
Compensation Awarded is £600, our fee is £177.00. Amount paid to the Client equals £423. You may be paid directly in cash, or a reduction to your balance may be made. A referral fee will be paid to the Introducer equating to 80% of the fee charged by Key Financial Claims, the exact amount will depend on your particular circumstances.
Complaints: Key Financial Claims has an internal complaints procedure, which can be seen below or at www.keyfinancialclaims.co.uk/complaints.htm
Declaration:
I/We confirm that I/we have read and understood the terms and conditions have read all documents and by signing below, confirm acceptance of the terms and conditions of the agreement with Key Financial Claims and wish them to act on my/our behalf. This agreement is a binding contract and by signing it you are accepting its terms.
Name:____________ ___________ Joint Name (if applicable):__________ ____
Address:__________________ ______________ ___________________________________
Postcode:____________________
Signed:_______________ _ __________ _ Joint Signature (if applicable)_____ ____
Date:___________ __ _____ ___ ________ Date:______ ____ ____________
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Letter of Authority
To whom it may concern:
1. Company:
Agreement/Account number:______________________
2. Authorisation to Key Financial Claims – I/We authorise Key Financial Claims to act on my/our behalf in
pursuing my/our claim, as my/our claims intermediary, in respect of advice received from and/or sales
made by the company relating to the above and any other account I/we hold or have held with the
company. I/We give Key Financial Claims full authority to refer the complaint to the Financial Ombudsman
Service if this is believed to be in my/our best interest.
3. Instructions to the company- Please take this letter as my/our instructions to you, (the “company”), to
deal directly with Key Financial Claims, as my/our claims intermediary, in respect of the complaint and to
provide them with any information they request either verbally or in any other media format that they
require to pursue my/our complaint. As of the date I/we have signed this letter of authority, we do not
wish to receive any correspondence from the company in relation to our complaint. Any wilful failure by the
company or any relevant party to not follow my/our express instructions with regard to dealing with Key
Financial Claims, whom I/we have contracted with, may render the offending party liable to legal recourse
for inducing/procuring a breach of contract, restraint of trade; and breaches of the Competition Act 1988,
the Enterprise Act 2002 and Articles 81 & 82 of the EC Treaty.
4. I/We acknowledge that I/we could pursue this complaint against the company myself/ourselves without the
involvement of Key Financial Claims, but that I/we have instead opted to engage Key Financial Claims
whose fees will be recoverable from me/us.
5. Redress/Compensation – This letter constitutes a full assignment by me/us to Key Financial Claims of
my/our entitlement to any redress or other monies agreed or awarded to us/me. Such monies will promptly
be paid to me/us by Key Financial Claims less their fee for the services carried out by them. I/We have
received details of any fees payable contained within our signed letter of engagement.
6. I/We understand that in the event of a successful claim my/our payment protection policy will be cancelled
and it is my/our responsibility to arrange replacement cover if required.
7. I/We understand that if the loan or credit card provider uses my redress monies to reduce an outstanding
debt balance on my loan or credit card, the total fee will still be payable to Key Financial Claims.
Instructions to third party – In the event that you need to contact a third party to progress my/our
claim for any reason, I/we hereby give my/ our authority and consent for the third party to provide the
company and Key Financial Claims with any information they request and may require to pursue my/our
claim.
Declaration of Truth – I/We have read and accepted Key Financial Claims Terms of Instruction and give
them full authority to make a claim on my/our behalf. I/We confirm that the information given in this letter is
in the
best of my/our knowledge accurate and a truthful reflection of my/our recollections of events at the point of
sale.
Terms of Engagement – I/We have read and accept Key Financial Claims Terms of Instruction and give
them full authority to make a claim on my/our behalf.
Customer 1 Customer 2 _________________
Title: First Name: Title: __First Name:_____________
Surname: Surname:________________________
Date of Birth: Date of Birth:_____________________
Address: Address:_________________________ _____________________________________ ____________ _________________ Postcode: Postcode:________________________ Signature: Signature:_______________________ Date: Date:___________________________
Key Financial Claims Limited CRM 22105 is regulated by the Ministry of Justice in respect of regulated claims management activities
Key Financial Claims
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payment protection insurance: consumer questionnaire
WHAT IS THIS QUESTIONNAIRE FOR?
This questionnaire is for consumers to register a complaint about the sale of payment protection insurance.
It has been designed by the independent Financial Ombudsman Service.
The questionnaire asks you for your personal and financial details. These will help the financial business you think is responsible for your complaint to assess your case – and decide if it should pay you compensation.
WHAT DO I NEED TO DO?
Please fill in the questionnaire, giving as much information as you can. It may take you some time to go through the form and get all your facts together. But with all the information in one place, it should mean your case can then be assessed more quickly. Once you have completed the questionnaire, please send
it to the financial business that you think is responsible for your complaint. Before you post it, take a photocopy if you can. This will help later on, if you need to refer your complaint to the Financial Ombudsman Service.
