2023-03-31-accounts

About Us/ What We Do

Consumer Claims is a trading style of Harrington Jones Ltd who are a Claims Management Company (CMC) with a focus on financial mis-selling and financial irregularities.

What Happens Next

To keep the process as simple as possible we have used the information you provided to pre-populate your claim pack. However, please be aware that you may need to complete certain information regarding your financial agreements and sign all the relevant sections. Please check all documents & amend where necessary, in the event that you need to make any changes Please Sign & Date next to your amendment, including previous addresses and account numbers as this information is all part of your Lender’s verification criteria.

If you have a copy of your credit agreement/s to hand then please enclose them, as doing so can speed up the claim process considerably. Return the documents in the Free Post Envelope provided.

How We Keep You Updated

The Legal Partners running your Claim will keep you updated throughout the entire claim process, by email, text and letter. However if you would like to check the progress of your claim, you can contact our dedicated Customer Service Team by any of the following methods: Email [e-mail], Phone [phone] (MondayFriday 9:00-17:00), Post Consumer Claims, 7 Harbour View, The Albany, South Esplanade, St Peter Port, Guernsey, GY1 1AQ. *Calls made to the 0333 number are free of charge, other lines are charged at the standard rate, although calls from mobiles may cost considerably more.

Our Fee

We are introducing your Claims to our Legal Partners and will not be charging directly you when running these Claims. Harrington Jones Limited will receive a fee for successful Claims from our Legal Partners.

Right to Cancel

You have the right to cancel this Contract at any time. You have the right to cancel this Contract within 14 days without giving any reason and without any charge. To exercise the right to cancel you must inform us of your decision to cancel this Contract either by a clear written statement sent by post to Consumer Claims, 7 Harbour View, The Albany, South Esplanade, St Peter Port, Guernsey, GY1 1AQ or e-mail [e-mail]. Alternatively, if your claim is within the first 14 days, we will accept a verbal confirmation by phone on 0333 123 1112 (Monday-Friday 9:00-17:00). Calls made to the 0333 number are free of charge, other lines are charged at the standard rate, although calls from mobiles may cost considerably more.

Complaints Handling Procedure

Should you have a Complaint you can contact us by post, email or phone. You can write to us at Consumer Claims, 7 Harbour View, The Albany, South Esplanade, St Peter Port, Guernsey, GY1 1AQ. Email us at [e-mail] or alternatively you can call us on 0333 123 1112 Option 4 (Monday-Friday 9:00-17:00). Calls made to the 0333 number are free of charge, other lines are charged at the standard rate, although calls from mobiles may cost considerably more.

We will acknowledge your Complaint within five business days, and we will try to resolve your Complaint within 4 weeks. If we cannot resolve the issue within 4 weeks, we will give

you a satisfactory explanation regarding the extra time required. Within 8 weeks of receiving a Complaint we will send you a final response which will adequately address the Complaint. If you are not satisfied with our final response, then please refer to our full Complaints Handling Procedure which can be found on www.consumer-claims.com or can be supplied upon request. If you are not satisfied with our response, or if a Complaint is not resolved after eight weeks, you may refer the Complaint to the Financial Ombudsman Service (FOS) you can contact them by Post: Financial Ombudsman, Exchange Tower, Harbour Exchange, London , E14 9SR Phone: [phone] or Online: www.financial-ombudsman.org.uk. Please note any Complaint must be referred to the Financial Ombudsman service within 6 months of the date of our written final response.

Need to Know

You have the right to shop around and consider using the Financial Ombudsman Scheme independently or Citizen Advice Bureau or directly claim yourself to the Third Party for free. You should also consider, and tell us, if you have any other means of pursuing the Claim including using any legal expenses insurance.

CONSUMER CLAIMS ‘TERMS OF ENGAGEMENT’

Definitions:

“Agreement” means the Letter of Authority signed by the Customer, together with these Terms of Engagement and supported by forms and documents issued by Consumer Claims.

"Claim/s" means the Customer’s claim or claims against the Company relating to the application of unlawful charges to the account/s of the Customer and/or to mis-sold financial products.

"Customer" means the policyholder/account holder/s whose details are set out in the "Letter of Authority" and who have appointed Consumer Claims to provide their Services.

"Company” or “Lender” means the Financial Institution and/or persons to whom the "Letter of Authority" is addressed.

"Letter of Authority" means the document included in the claim pack to be sent to the Company from the Customer authorising Consumer Claims to pursue the Claim on behalf of the Customer.

"Compensation" means any sums paid or awarded as calculated at the time of the award that would not have been paid if the Claim had not been made.

"Fees" or “Service Charge” means the fee payable for Services carried out by Consumer Claims. Please refer to our Keyfacts Document.

"Services" means the services provided by Consumer Claims including assessing the viability of, preparing, submitting and negotiating the Claim.

Conduct of Engagement: By signing and returning the Letter of Authority, the Customer agrees to the continuation of their existing contract laid out in this Letter of Engagement and continues to appoint Consumer Claims to provide Services for such a period as to allow Consumer Claims to assess and, if reasonably possible, complete the claim.

The Customer:

1. Gives Consumer Claims full Authority to deal with the Company on their behalf and to obtain relevant information from whatever source needed for the duration of the contract.

2. Will inform Consumer Claims of any relevant matters affecting the Claim within 30 days, including any direct communications received from the Company.

3. Give Consumer Claims the right to deal exclusively with the Claim/s, unless otherwise agreed in writing by Consumer Claims.

4. Will deal promptly with every reasonable request by Consumer Claims and or the Company for authority, information, documents and further instructions that Consumer Claims and or the Company may, from time to time, require. Failure to do so within 30 days of a request will give Consumer Claims the right to terminate this Agreement.

5. Provide Consumer Claims with information that is true, comprehensive and accurate to the best of your knowledge.

6. Will provide all documents, including electronic form, in your possession that are relevant to the claim and which give evidence of a fact in the claim. 7. Agrees for Consumer Claims to identify potential claims through a soft Credit Report (and that a record of the request will be retained on your credit file) and pursue these claims against the Company under the provision of this agreement unless the client specifically states otherwise. Before Consumer Claims act on these other potential Claims they will contact the Client to obtain consent to process these other potential Claims under the terms of this Agreement.

7. Is responsible for paying any income tax owed on their settlement.

8. Confirms that they are not currently in arrears or using a Debt Management Company to pay off debts or have been previously made Bankrupt or in an Individual Voluntary Arrangement (IVA).

Consumer Claims will:

1. Where appropriate complete an audit using a Data Subject Access Request (DSAR) for all the Customer's accounts and pursue a settlement against the Company, where Consumer Claims’ considers there to be a claim. The Customer will not be charged for the cost of the audit.

2. Where Consumer Claims' deems a claim has no realistic chance of success, we reserve the right not to proceed with the Claim. However, Consumer Claims will act objectively based on the evidence received when taking any such decision.

3. Carry out necessary checks on the information and documents provided by the Customer pertinent to a claim.

4. Preserve confidentiality, including the Customer's personal information (even when this Agreement has been terminated and the Customer is nondisclosure is made at the Customer's request or with the Customer's consent in relation to pursuing the Claim, or where otherwise required by law.

5. Cover costs relating to obtaining information from the Company.

Disclaimer:

1. This Agreement will endure until cancelled by way of a cancellation notice or by a clear statement (by either party) or the claim/s reach a conclusion.

2. The Customer must note that they have 14 days (which starts from the date they signed the "Letter of Authority") to cancel the Authority instructing Consumer Claims to act on their behalf at no cost to the Customer. The cancellation date is the date on which we first receive notice of the cancellation. After 14 days the Customer can cancel the contract, at which point the Company will charge the Customer reasonable fees to reflect the work undertaken on the Claim/s. Refer to our Keyfacts for details on these charges.

3. Consumer Claims may transfer their rights and obligations under this Agreement to another organisation. The Customer will always be notified in writing if this occurs and it will not affect their rights or our obligations under this Agreement.

4. The Customer may request Consumer Claims to begin work within the 14day cancellation period.

5. Consumer Claims makes no representation or warranty to the Customer that compensation will be obtained or is in any way guaranteed.

6. Consumer Claims can cancel this Agreement at any time and no fee will be payable by the Customer if Consumer Claims considers there are no grounds for a complaint or that the Customer’s Claim is unlikely to succeed. 24. Consumer Claims have the right to terminate this Agreement by giving written notice to the Customer and, at any time, to immediately terminate this Agreement if there occurs any material breach by the Customer of any term of this Agreement which is irremediable, or if remediable, is not remedied to Consumer Claims' satisfaction within 30 days of a written notice by Consumer Claims specifying the breach and requiring it to be remedied, or the Customer is adjudicated bankrupt, or the Customer does not follow any recommendations of Consumer Claims.

7. If you were introduced to us by one of our Partners, we will have paid a third-party fee for providing services to you. This is not payable by you. Further details of any fees paid by Consumer Claims in respect of your Claim is available upon request.

8. Full details of Consumer Claims' internal complaints handling procedures are available on our website and can be sent to you upon request.

9. Consumer Claims will not use the Letter of Authority post cancellation or on conclusion of the contract.

10. The Customer is aware that they could complain directly to the Company and the Financial Ombudsman Service at no cost, yet still wishes to pursue their complaint via Consumer Claims.

Law & Jurisdiction: This Agreement will be subject to the laws of England and Wales.

Consumer Claims is a trading style of Harrington Jones Ltd

Harrington Jones (Guernsey) Limited is Authorised and regulated by the Financial Conduct Authority in respect of regulated Claims Management Activity FRN: 834856 Registered with the Information

Commissioners Office, registration number: 012369 Registration Address: Suite 7 Harbour View, The Albany, South Esplanade, St Peter Port, GUERNSEY, GY1 1AQ.

Terms of Engagement (“Agreement”)

Benson Goldstein Limited (“BGL”) is a Private Limited Company (Company No 14417365) and is authorised and regulated by the Solicitors Regulation Authority (SRA number: 8003245). This document sets out the Terms of Engagement for the appointment of BGL to act for You.

1.Definitions and interpretation

a. “Agreement” means the contractual relationship between You and Us which You enter into by providing Your signature or verbal agreement. This includes where You provide Your signature electronically.

b. “BGL” means Benson Goldstein Limited. Any reference to ‘We’, ‘Us’ or ‘Our’ in this Agreement shall be taken to be a reference to BGL.

c. “Claim(s)”’means any Claim(s) or potential Claim(s) against the Lender relating to (i) the failure to disclose commission charges, or other sums paid in connection with your Credit Product and/or ii) the failure to undertake sufficient affordability and/ or creditworthiness checks when arranging Your Credit Product and/or iii) any other unfair lending practices identified during the provision of the Claims Services.

d. “Claims Services” means the work We undertake to prepare, submit and negotiate the Claim(s) to/with the Lender, as broadly outlined in Clause 2 of these Terms of Engagement.

e. “Cooling-Off Period” means 14 days after the date that You provide Your signature to Us during which You can cancel this Agreement free of charge.

f. “Compensation” means any sums offered, paid or given in respect of a settlement, goodwill gesture, policy refund, balance reduction, rebate or any other payment associated with the Claim(s) including any interest payments and associated charges. For the avoidance of doubt Compensation also includes any sums used to reduce any outstanding balances/ debt. g. “Credit Product” means a financial product allowing You to borrow money from a Lender. This includes, but is not limited to Credit Cards, Store Cards, Loans and Car Finance.

h. “Data Subject Access Request” (DSAR) means any information request that We may send to Your Lender or broker on Your behalf to request information to substantiate Your Claim(s), where required.

i.“FSCS” means Financial Services Compensation Scheme.

j. “FOS” means the Financial Ombudsman Service, who can review the Lender’s decision about Your Claim(s).

k. “Instruction” means You authorising Us to undertake the Claims Services by providing Your signature. This includes where You provide Your signature electronically or provide your verbal agreement. l. “Lender” means the business for example the Lender, Credit Provider or Broker, who was responsible for the arrangement of the Credit Product. This includes any representative or affiliate of the Lender.

m. “Letter of Authority” means the document that may be sent to the Lender that evidences Our authority to act on Your behalf.

n. “Soft Credit Check” means Us reviewing Your credit file to identify information about Your Lenders and Your Credit Products. This check will appear on Your credit file but will only be visible to You and will not adversely affect Your credit rating.

o. “Success Fee” means the amount You will have to pay to Us for the Claims Services, as detailed in Clause 5 of this Agreement.

p. “You/Your” means the Account/Policy Holder whose details are set out in the Letter of Authority and who has Instructed Us to act on their behalf.

q. Unless the context otherwise requires, words in the singular include the plural and in the plural include the singular.

2. Claims Services

a. We will not process the Claim(s) until We receive Your Instruction.

b. You understand that by providing Your Instructions to Us You are providing authority for Us to identify all Credit Products You have held with Lenders since 2008 and make a Claim(s) against the relevant Lenders on your behalf, including submitting Your Claim(s) to FOS, where We identify that such Claim(s) has a reasonable prospect of success.

c. Upon receiving Your Instruction We may undertake the Soft Credit Check to identify which Lenders you held Credit Products with and information about the Credit Products, including account numbers.

d. Once we identify Your Lenders and Credit Products, we will: (i) submit a Claim(s) to the Lenders, or the FSCS, where We have all relevant information to do so and believe the Claim(s) has a reasonable prospect of success; and/or (ii) where required, request additional information from You to substantiate Your Claim(s) against Your Lenders; and/or (iii) where required, request information from the Lenders or other relevant third parties about the Credit Products You held. You consent for your signature, where applicable, to be used to submit Your complaint to a Lender or to the FOS.

e. We will use reasonable endeavours to obtain Compensation for each Claim pursued and will liaise and negotiate with the Lender on Your behalf, as necessary to progress the Claim(s). f. Where Your Lender does not provide a satisfactory outcome to Your Claim(s), We will assess Your Claim(s) and submit the Claim(s) to FOS where there is merit to do so.

g. We will keep You updated throughout the Claim(s) and promptly notify You of the outcome of the Claim(s).

h. We may outsource some elements of the Claims Services such as the administration of the Claim(s), taking and making of telephone calls and/or chasing documents from You to a specialist supervised Company(ies). You agree for Us to outsource elements of the Claim(s) and pay a fee for doing so. For the avoidance of doubt any fees will be paid directly by Us and are not charged to you.

i. Where interest is included by the Lender as part of the Compensation, they may deduct tax from this and pay it directly to HMRC. Depending on Your personal tax status this tax may be refundable. Where You have a successful Claim(s) We may contact You at the conclusion of the Claim(s) to assist You in claiming a tax refund, where this is due to You.

j. Harrington Jones Ltd have referred your claim to us and we will pay them a fee for doing so.

k. By signing the Agreement You provide Your consent for Your signature to be applied to all documentation necessary to investigate and submit Your claims based on the information given. This includes any other Lenders You have informed us about when submitting Your claim.

3. Our Responsibilities and Liabilities

a. We will:

(i) always act in Your best interests subject to Our legal and regulatory obligations; and

(ii) provide You with a reasonable standard of service, in line with Your Agreement with Us.

b. We will use reasonable endeavours to keep safe any information or documents that You, the Lender or any third party send to Us. We will not be responsible for any loss to You or any third party arising out of the loss of documents or information including in transit either to or from Us. Any additional protection that You require for lost documentation or information (for example photocopies and/or a Recorded Delivery service by Royal Mail) will be at Your discretion and Your expense.

c. We may be required to verify Your identity(ies) and address(es). By giving Your Instruction You acknowledge that You are giving consent to Us to undertake an electronic check to verify Your identity(ies) and address(es) where necessary. This process involves searches with credit reference, fraud prevention agencies and the electoral register. The agencies will record the details of the search but the electronic check will have no adverse effect on Your credit rating. Subject to these checks, We may require You to supply certain documents and/or We may refuse, at Our discretion, to act for You without giving reason.

d. We will not be liable to You whether in contract or tort for indirect losses which happen as a side effect of the main loss or damage and which are not foreseeable by You and by Us, such as (but not limited to) loss of profits, loss of opportunity, loss of benefits or tax demands. e. Our total liability to You in respect of all other losses arising under or in connection with Your Agreement with Us, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, shall in no circumstances exceed the amount of any Compensation to which You are entitled for the Claim(s) in connection to which We are liable unless those losses were foreseeable by both parties when Your Instruction was provided. We consider that this limit is reasonable and fair in view of the type of work that We are undertaking. If the limit does cause You any concern, please contact Us so that We can discuss Your concerns.

4. Your Responsibilities

a. You acknowledge that You could pursue the Claim(s) Yourself free of charge, for instance through the Financial Ombudsman Service. b. By entering into this Agreement, You agree to:-

(i) give us instructions that allow us to do our work properly, including providing Us with all information and documents which are relevant to the Claim(s), including but not limited to Credit Agreements, letters, documents and e-mails. You agree to provide Instruction for Us to request any information required to substantiate the Claim(s) from the Lender, by way of a DSAR or by any other method;

(ii) co-operate generally with Us in the conduct of the Claim(s), including by dealing promptly with requests We make for authority, information, documents, Instruction or further requests; (iii) tell Us promptly if any information that You have previously given to Us is no longer true or accurate. Including Your contact information, which You agree to ensure is up to date at all times;

(iv) inform Us promptly of any relevant matters affecting the Claim(s), such as direct contact or payment from the Lender, and consult with Us before making any contact with or having any discussion or correspondence with the Lender concerning any aspect of the Claim(s);

(v) not abandon or discontinue the Claim(s) or any part of the Claim(s) against Our advice;

(vi) not settle the Claim(s) directly or indirectly without Our consent and ensure that any Compensation is paid directly to Us;

(vii) give Us the exclusive right to deal with the Claim(s) and to not enter into any new agreement, orally or in writing, with any other person(s) in respect of the Claim(s) unless We otherwise agree to this in writing; and (viii) not ask Us to work in any way that is improper or unreasonable or cause or contribute to a conflict of interest arising that would prevent Us from continuing to act in the Claim(s).

5. Compensation & Our Fees

a. You acknowledge that any approximate value of Compensation given to You is an estimate only. The success of any Claim(s) depends on Your individual circumstances. b. If We undertake the Claims Services and are not successful in obtaining Compensation then You owe Us nothing.

c. If We are successful in obtaining a reasonable offer or payment of Compensation then Our Success Fee is 48% (inclusive of any applicable VAT) of any Compensation We obtain for You. VAT is charged at the prevailing statutory rate. You must pay Our fees within 10 working days of receipt of any Compensation. Overdue sums will incur interest from day to day at the rate of 8% per annum.

d. For the avoidance of doubt, if You receive a reasonable offer of Compensation from the Lender or by way of a FOS decision (at either Adjudicator or Ombudsman level), You give us authority to accept such an offer. If You reject that reasonable offer, or refuse to sign any Acceptance Form from the Lender, the Success Fee would still be payable by You to Us even though You would not receive any Compensation Yourself as You have rejected that reasonable offer.

e. In entering into this Agreement with Us, You have agreed for all Compensation to be paid directly to Us and agree that We shall deduct the Success Fee before paying the balance of the Compensation to You. Before deducting Our Success Fee from any Compensation received, We will send an invoice to You which details the amount(s) due to Us and the balance of Compensation due to You. All funds will be held in Our Client Account in accordance with the SRA Account Rules. A copy of Our policy on Monies held in Our Client Account, is available on request.

f. For the avoidance of doubt where You have more than one successful Claim(s) against one or more Lender, We may deduct from any Compensation paid the Success Fee in respect of each of the Claims from the Compensation received for any one of those Claims.

g. Payment of the Success Fee falls due at the point that either We or You are informed of an offer of Compensation and payable from the date We or You receive Your Compensation. If the Lender offers or pays Compensation to You directly, You agree to notify Us immediately (and within seven days at the latest) and to provide the details We need to calculate the Success Fee.

h. Compensation may be used by a Lender to reduce any outstanding debt that You owe a Lender and You understand that Our Success Fee will be payable based on the total amount of calculated Compensation even if the Lender does not pay the whole sum of the Compensation to You.

i. Your Compensation may be applied as part of Your bankruptcy estate, insolvency asset, or other debt arrangement and Your Compensation may not be paid directly to You. If Compensation is paid directly by the Lender to an Insolvency Practitioner or the Official Receiver, and You do not receive any Compensation, You will not be liable for Our Success Fee.

j. If You fail to pay the Success Fee due and payable in accordance with the Agreement, We reserve the right to cancel all other active Claims.

k. We reserve the right to charge for costs incurred in recovering unpaid Success Fee(s).

l. You agree to provide Us with Your bank details to enable Us to pay You Your Compensation, less our Success Fee, where We receive this directly.

m. We will take reasonable steps to ensure You receive any money due to You. If You do not provide Your bank details within 12 months of Us receiving Your Compensation, or a cheque we issue to You is not cashed within 12 months of the issue date and We do not receive any contact from You, We will close Your file and You agree for Us to pay the outstanding monies to a charity of Our choice.

n. If You ask Us to re-issue a cheque We have sent to You, there will be a charge of £15.00 (inclusive of any applicable VAT). Where the value of the cheque is under £15.00 You will not be required to pay Us any more than the amount of the cheque. We will not charge You if We have made a mistake that requires Your cheque to be re-issued.

o. Our Agreement shall continue to operate until all Claims where a Success Fee and are payable have been settled.

p. We work with marketing agencies and lead suppliers. We pay these agencies and suppliers for their work. For the avoidance of doubt, these payments are made directly by Us and are not charged to You.

6. Cancellation and Assignment

a. You must notify Us of Your intention to cancel Your Claim, using the methods outlined in Our Cancellation Form

b. You have a Cooling-Off Period of 14-days after the date You provide Your signature to Us, during which You may cancel Your Claim at no charge.

c. By providing Your Instruction to Us You expressly request that We commence the Services immediately and prior to the end of the Cooling-Off Period. In doing so You accept that You cease to have the right to cancel the contract if Our service has been fully performed. d. You acknowledge by providing Your Instruction to Us that Your right to a 14-day Cooling-Off Period is waived if Your Claim has been processed by the Lender and an offer of Compensation has been made within this 14-day period.

e. If You cancel Your Claim outside the Cooling-Off Period, Our Success Fee will remain payable for any offer of Compensation that has been made by Your Lender up to the date of Your cancellation, or that is approved by the Lender after Your cancellation.

f. We may at Our sole discretion cancel this Agreement at any time, but We must act reasonably in taking such a decision. We will promptly notify You if We decide to Cancel this Agreement.

g. We reserve the right to assign this Agreement and all rights under it and to subcontract to others all or any of Our obligations under it. This Agreement is personal to You and is not assignable by You except to Your personal representatives.

7. Your Personal Data

a. We take the privacy of Your personal information seriously. We will only use the personal information You provide to Us as outlined both in this Clause 7 and in Our Privacy Policy which can be viewed at www.bensongoldstein.com. We ask that You read Our Privacy Policy carefully and, if required, a hard copy is available upon request. b. During the Claims Services Your personal information will be used to provide the Claims Services including to third party organisations for the purposes of undertaking the Claims Services. You consent to Your personal data being shared with Harrington Jones Ltd and CMCI Ltd for the purposes of processing of Your claim(s). c. We may also use Your personal data to tell You about similar products or services relating to financial claims, by email, SMS (text message), post and/or telephone, but You can opt out of receiving these, or a specific method of communication, at any time by contacting Us.

d. After providing the Claims Services We will be entitled to continue to hold Your personal information until the Claim(s) is concluded and We receive full payment of money owed to Us for Fees plus VAT, or Expenses incurred.

8. Complaints, Governing Law and Professional Indemnity Insurance

a. You can make a complaint about Our service via Our internal complaints procedure by email: [e-mail] or by post to Benson Goldstein Ltd, PO Box 79176, London, NW4 9NH. You can also find a copy of Our complaints procedure at www.bensongoldstein.com.

b. Should You remain unhappy with Our service, You may refer Your complaint, within six months of the date of Our final response, to the Legal Ombudsman Service, by email: [e-mail], by phone on 0300 555 0333 or post to Legal Ombudsman, PO Box 6806, Wolverhampton, WV1 9WJ. The Legal Ombudsman can investigate complaints up to six years from the date of the problem happening or within three years of when You found out about the problem.

c. Each party irrevocably agrees that any proceedings relating to any dispute or Claim(s) (including noncontractual disputes or claims) arising out of or in connection with the Agreement or its subject matter or formation instituted against You by BGL shall be brought in the appropriate Court of Your country of residence, which will either be the Courts of England and Wales, Scotland or Northern Ireland and shall be governed and construed by the applicable law for the appropriate jurisdiction. Any proceedings instituted against BGL by You shall be governed by and construed in accordance with English law and the parties irrevocably submit to the jurisdiction of the Courts of England and Wales.

d. We maintain professional indemnity insurance in accordance with the obligations set by the Solicitors Regulation Authority. Cover is in place with the insurer Travelers Insurance Company Limited. Further details of this insurance is available upon request to Us.

By signing below you confirm to having read and agreed to the Terms of Engagement.

Signature of Claimant: Date:

MODEL CANCELLATION FORM

RIGHT TO CANCEL

Cooling-Off Period: You have the right to cancel your Claim(s) free of charge within the 14 days following the date that you provide your instruction to us without giving any reason.

If you cancel your Claim(s) within the Cooling-Off Period, then you will owe Benson Goldstein Limited(“Benson Goldstein”) nothing, unless your lender has approved a Compensation payment within this period. In this case, Benson Goldstein shall be entitled to charge you the Success Fee as outlined in the Terms of Engagement.

If you cancel your Claim(s) outside the Cooling-Off Period, our Success Fee will remain payable for any Refund that has been approved by your lender up to the date of your cancellation, or that is approved by your lender after your cancellation.

Please refer to our Terms of Engagement for full details of our Success Fee. Copies of the Terms of Engagement can be requested by post or email (contact details are at the bottom of this Form).

Benson Goldstein Ltd, PO Box 79176, London, NW4 9NH.

I hereby give notice of my intention to cancel my contract for the supply of services provided by Benson Goldstein as set out in the Terms of Engagement provided to me.

Name of Claimant:

Benson Goldstein Ltd, PO Box 79176, London, NW4 9NH. I hereby give notice of my intention to cancel my contract for the supply of services provided by Benson Goldstein as set out in the Terms of Engagement provided to me.	Benson Goldstein Ltd, PO Box 79176, London, NW4 9NH. I hereby give notice of my intention to cancel my contract for the supply of services provided by Benson Goldstein as set out in the Terms of Engagement provided to me.
Name of Claimant:
Address of Claimant:
Claim Reference(s): (Please give the Claim Reference(s) of the Claim(s) you wish to cancel/terminate)
Signature of Claimant:	Date:

To exercise the right to cancel, you must inform Benson Goldstein of your decision to cancel your Claim(s) in a clear statement:

• BY LETTER or using this Form and returning either document to: Benson Goldstein Ltd, PO Box 79176, London, NW4 9NH

• BY EMAIL: [e-mail]