Mortgage Claims & Secured Loan Claims. Claim Compensation
Financial Compensation: You could be entitled to redress if you have had, or still have, a Mortgage or Secured Loan.
PPI (Payment Protection Insurance)? Our service is not just about claiming PPI. This is not Endowment Mis-selling!
Whenever you take out a mortgage or secured loan the contract, agreement and/or terms and
conditions must comply with all relevant laws, rules and regulations.
Compensation, But Not For Mis-selling
Our ‘claims model’ centres around contract irregularities not mis-selling. We work with specialist solicitors to help
our clients make a claim. If a financial contract has been produced by a lender/product provider that is flawed, invalid or unenforceable
then this is the responsibility of the lender.
But I agreed to and signed the contract?
While this is correct, the lender still has to maintain a fair relationship with you when producing the contract.
If a lender has produced a contract that is flawed, or an agreement where you are subjected to an unfair relationship with that lender, then you may
be entitled to claim for financial redress. In most situations you did not have a choice of agreements from the lender, you only had the choice of one
contract, a contract that was the responsibility of the lender.
A local representative of Cartel Client Review is waiting to help guide you through the process. Enter your details on the enquiry form to your right and we
will arrange for a local representative to contact you at completely no obligation. To find out more about the process click on the icon below.
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Review
A Cartel Client Review representative in your local area will introduce you to the claim service and explain how Cartel Client Review may be
able to help you claim compensation due to potential contract irregularities within your mortgage and secured loan contracts. The representative
will ask you for basic details of your loans, past and present, and introduce you to other Cartel services that may be relevant to you. Each potential
claim will be entered onto our bespoke IT system by your representative. No payment is required at this stage and you are under no obligation.
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Underwriting (Vetting)
Our internal underwriting (vetting) department will assess each of the submitted applications. Where underwriting (vetting) believe there is
a reasonable chance of success a ‘yes’ decision will be made. Where underwriting (vetting) believe that a successful claim is unlikely
a ‘no’ decision will be made. On occasion a ‘possible‘ decision may be returned. This often means that there is not enough
information about the contract to be able to make a firm assessment at this stage and sight of the information held by the lender is required before
a final assessment can be made.
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Instruction
Our representative will meet with you at a time and place of your convenience. It is the representative's job to ensure that you understand
exactly how we work and take you step by step through the paperwork. You decide which ‘yes’ or ‘possible’ products you
wish to proceed with.
The cost of a mortgage or secured loan Client Review is £495, which is refundable should your case be unsuccessful (subject to Terms and
Conditions).
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Investigation
In accordance with the provisions of the Data Protection Act, our solicitors will now contact the lender to obtain your ‘client file’,
including the contract / agreement relating to the loan. Where the lender does not comply, an offence is committed and our solicitors will use the
full power of the law to obtain this file.
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Solicitor
With the ‘client file’ in, a further assessment of your case will be made and a specialist solicitor will be assigned where we believe
you may still have a successful claim. Your solicitor will build a case, based around contract irregularities looking to obtain the maximum level of
compensation for you. While many cases are expected to be settled ‘outside of court’, should the need arise to take the lender to court,
your solicitors will purchase, at their cost, a legal expenses insurance policy and obtain expert barrister's opinion where required.
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Payment
Where a mortgage or secured loan is successful, a successful claim fee of 30% of any amount recovered and/or written off by the provider will be
payable. You will receive (where applicable) a cheque for the remaining amount.
If you would like to find out more about the process, what claims you may be able to make and whether those claims have a reasonable chance of success then
please complete the enquiry form on this page. All enquiries are at completely no obligation and will not mean that your information is shared,
either with the lenders or any other company.
Carl Wright on Radio 5 Live
Listen to Carl Wright's interview on the 5 Live Drive show.
What our clients have to say
We caught up with a few of our Cartel success stories to find out what they thought of the service.
Watch the videos now.
Where are our representatives located?
Our representatives are located throughout the UK (England, Scotland, Wales and Northern Ireland). Wherever you are located, a local representative
will be allocated to you for the duration of your time as a client.
Global Claims
Wherever you are within the world Cartel Client Review can help you run a financial claim where the product to be claimed against is UK based.