If you have paid an upfront fee to a Claims Management Company (CMC) using a credit card and the company closes or stops responding to you, you may be able to claim back some or all of your money under Section 75 of the Consumer Credit Act. This act gives you protection if things go wrong. It means that the credit card company is equally as responsible as the service provider for any breach of contract or misrepresentation. You can make a Section 75 claim alongside a claim to your CMC (although you will only recover losses via one of these channels). You can also make a complaint to the Legal Ombudsman and we can look at the service provided by your CMC. If you have paid with a debit card, there are still options available through charge-back to claim some or all of your money back.
If you have paid an upfront fee and you have concerns, contact us to see if we can help.
For more information about Section 75, take a look at this guidance or contact your credit card provider.