Definition of Terms

"The Company" means Bias Claims Management Limited trading as Bias Claims. "You", "I", "We" means the person or persons entering into a "Contract" for the provision of the "Services" of the Company. "Contract" means the signed authority & agreement between "You" and the Company relating to the supply of the services incorporating these terms of business. "Services" means all or any of the services as specified in the Contract.

1. What Bias Claims will do for you:

• The Company will assess your case and, if appropriate, pursue a claim for redress on your behalf in respect of financial services mis-selling and/or unfair penalty charges.
• The Company offers this service on a no win no fee basis.
• The Company will as your agent with general authority to process and administer your claim to seek redress.
• The Company will evaluate the redress offered to you and let you know if the Company consider the sum put forward is fair.
• The Company will, at its discretion, pursue your claim through the Financial Ombudsman Service, the FSCS or the law courts.

2. What Bias Claims will not do:

• The payment of redress will go direct to you (the client) and not to the company.
• The Company will not accept an offer of redress on your behalf without your agreement.
• The Company will not give you financial advice.

3. What the Bias Claims expect from you:

• To provide all relevant information so that the Company can pursue your claim.
• To provide the Company with authority to receive all information and enter into all negotiations on your behalf.
• Banks and Credit Card companies often try to avoid paying out the full claim by offering a reduced settlement. We require you to not accept any settlement that is offered directly to you by the Bank, Credit or Store Card Company without the consent of Bias Claims Management Ltd. If you accept a reduced settlement without the approval of Bias Claims Management then you will be liable to pay a fee to Bias Claims equivalent to that which would be payable on settlement of the FULL claim but in any event, a minimum of £250 + VAT.

4. Our fees:

• Our fee is 20% + VAT (before any online only offers) of the total redress amount received. The Company does not charge a fee if the claim is unsuccessful. There is no fee payable in advance.
• The credit card companies & banks may request a £10 (ten Pounds) fee before they release historic statements of account. The Client agrees to pay this fee if required.
• A minimum charge of £50 + VAT is applied to all successful claims.

5. Cancelling this agreement:

• The Company can cancel this agreement at any time. In such an event there will be no fee payable by you.
• You have the right to terminate the contract by giving written notice to the Company within 14 days of signing this Contract. Notice should be made in writing to the Company and sent by recorded delivery. In the event that the Client terminates the Contract after 14 days, the Company reserves the right to make a cancellation charge reflective of the work carried out up to the point of cancellation of our Service. If notice of termination is received after the complaint has been upheld then the Company reserves the right to charge the full fee of 20% + VAT of the forthcoming redress.

6. Data Protection:

• Bias Claims will process information in accordance with the Data Protection Act 1988. The Company may disclose your information to other companies as the need may arise during your claim. Bias Claims will not sell or disclose your personal details for marketing purposes.

7. Complaints Procedure:

• Full details of Bias Claims internal complaints handling procedures are available upon request.

8. Governing Law

• This Agreement shall be subject to the laws of England and Wales.