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).
• No - No - We do not believe that making a claim would result in a claim of £5000 or more.
• 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.

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
• Sign - Sign our Client Agreement
• Cheque - A £10 cheque payable to each lender for the release of documents will be required
• Cost - At this stage Cartel Client Review charges £495 for each product you wish to pursue
• 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)

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.