Have You Suffered Financially Because of Your Mortgage, Secured Loan or Car Finance?

Cartel Client Review Limited helps you receive financial compensation as a result of invalid, unenforceable or fundamentally flawed consumer credit agreements. These include mortgage, secured loan and motor finance contracts. Working closely with solicitors, auditors and other professionals, Cartel Client Review provides a service designed to assist our Clients claiming a settlement within 6 to 12 months of their claim being accepted by our panel.

 

Cartel Client Review Ltd is regulated by the Ministry of Justice in respect of regulated claims management activities.
Our authorisation number is CRM8663 and our registration is recorded on the Ministry of Justice website


      


      
        
     	

       	
Our service is simple, easy and fuss free. Click a step to see:

        

         	
Review - Tell us about your secured loans, motor finance history and mortgage

        	
Underwrite - We assess the chances of success for each claim

        	
Instruct - Tell us which claims to proceed with
 
        

        


        

        	
Investigate - We contact eh lenders you wish to persue and obtain the relevant paperwork

        	
Solicitor - We arrange for a solicitor and auditor to arrange your case
  
         	
Payment - On conclusion of your successful claim you recieve payment
  
        
        

			

      
      

        
What the press are saying:


        
"More than a million homeowners are expected to lodge compensation claims with their mortgage lenders after the Financial Ombudsman's ruling on two-tier home loan rates. — Manchester Evening News


        
"Proposed changes to the Consumer Credit Act could see more borrowers challenging credit agreements with lenders due to their relationship being deemed to be unfair. — Mortgage Finance Gazette


        
"In the latest twist to the mis-selling scandal, 12 firms have been named and shamed following a freedom of information request to the Financial Services Authority (FSA) by Money Management magazine. — The Sunday Times


        
"Britain's subprime mortgage industry - which lends to borrowers with patchy credit histories - could become a battleground for legal claims worth billions of pounds after the City watchdog uncovered reckless lending to vulnerable borrowers. — Evening Standard

      

      
    




    
    
    
  
  









  
 
      
    

      
      

            
Review

            
Tell us about your mortgage, secured loan and motor finance history

        		
 

            
Complete a Client Review Form with our representative.

            
 

      

    

	
    

		
		

			
Underwriting

            
We assess each products chance of success

		    
 

            
Each product you have submitted for review will be summarised by one of the following three underwriting outcomes:-

            
    
				
  • Yes - The review has identified a good chance of success for this particular product, on the basis that it would potentially result in a claim of £5000 or more (based on the information given).
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  • No - No - We do not believe that making a claim would result in a claim of £5000 or more.
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  • Possible - Documents are required from the lender before the case can be reasonably assessed. The chances of success cannot be reasonably assessed without the client documents.
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Instruction

            
You tell us how many claims to pursue

    	    
 

			
There is no limit to the number of potential claims you can instruct us to proceed with. For each claim to be pursued you will be required to:

            
    
            	
  • Read - Read and understand our terms and conditions
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  • Sign - Sign our Client Agreement
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  • Cheque - A £10 cheque payable to each lender for the release of documents will be required
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  • Cost -	At this stage Cartel Client Review charges £495 for each product you wish to pursue
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  • Our Promise -	Subject to Terms and Conditions, in the event of a claim being unsuccessful we will refund the £495 fee in full, regardless of the work we have completed (*There is no refund following a successful claim)
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Investigation

			
We request the relevant documents and paperwork from the lenders

         	
 

            
Our in-house team will contact the lender requesting release of all the relevant documentation under the terms of the Data Protection Act. Once released and in our possession, a full and comprehensive assessment of the Client documentation can be made. 

      At this point the Client documentation will either pass to the nominated panel solicitor and auditors or you will receive a refund of the £495 (please see 'Refund?' in FAQs).

			
 

		

    

  
    

		
		

            
Panel

            
We arrange for a panel auditor and solicitor to act on your behalf

            
 

            
We will arrange for a panel solicitor and auditor to prepare your case. You will not pay any fees to either solicitors or auditors as the costs incurred by the panel solicitors and auditors are claimed back from the lender on successful conclusion of the claim.
 In the event of an unsuccessful claim you will have no costs to pay and you will receive a full refund of the £495 fee, subject to our Terms and Conditions.

        
 

 
		

	

	
    

		
		

            
Payment

            
On conclusion of your successful claim you receive payment

            
 

            
Under normal circumstances you can expect your payment to be made up of both your actual financial losses, plus compensation for these losses. In most cases we would expect a payment to be made within 6 to 9 months of the claim being accepted by the solicitor.
There is no further fee for our most popular mortgage and secured loan claims. Please see our Customer Information sheet for full details of our fees.

			
 
 
		

    

    
    
   
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Review

            
Tell us about the credit cards you currently have

        	
 

            
Complete a Client Review Form with our representative.

            
 

      

    

	
    

		
		

			
Underwriting

            
We assess each credit card’s chance of a successful claim

            
		    
 

            
Each product submitted will be assessed as a ‘yes’ or ‘no’.

            
    
				
  • Yes - we believe there is a good chance of a claim. There is no minimum level of claim.
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  • No - Cartel Client Review will not progress with any case assessed as a ‘no’.
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Instruction

            
You tell us how many claims to pursue

    	    
 

			
For each claim to be pursued you will be required to:

            
    
            	
  • Read - Read and understand our terms and conditions
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  • Sign - Sign our Client Agreement
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  • Cheque - A £10 cheque payable to each credit card company for the release of documents will be required
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  • Existing clients  - Progressing with a mortgage, secured loan, motor finance or credit card review are entitled to the discounted rate of £175 (per credit card product review).
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  • New clients - Who are not progressing with a mortgage, secured loan or motor finance review will be charged a review fee of £495 for the first credit card review. Review fees for credit card product reviews are non refundable outside of the cooling off period. Read full T&Cs
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Investigation

			
We request the relevant documents and paperwork from the lender

         	
 

            
Our in-house team will contact the lender requesting release of all the relevant documentation under the terms of the Data Protection Act.

            Once released and in our possession, your case will be passed to a legal firm who will pursue the claim on your behalf.

            
Please note, as with all claims, there are no guarantees of success.

			
 

		

    

  
    

		
		

            
Legal Representation

            
We arrange for legal representation to pursue your claim

            
 

            
We arrange for legal representation to prepare and pursue your case. You will not pay any fees or costs to either solicitors or auditors to progress your claim. 
  
            
We will attempt, where possible, to:

            
    
                
  • Claim back interest charges
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  • Claim back repayments made
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  • Cancel the card and clear any outstanding balance on the card
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There are no further charges if your case is unsuccessful.

        
 

 
		

	

	
    

		
		

            
Repayment

            

                
                    
    
                        
  • Interest?
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  • Payments?
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  • Outstanding Balance?
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Payment is made to you, less successful claims fees.

            
Successful claim fees of 30% of the total of the above (see T&Cs) will be payable.

			
 
 
		

    

    
    
   
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