Pre contractual Advice

• We will assess your Payment Protection Policy and, if appropriate, pursue on your behalf, a claim for reimbursement of premiums paid plus statutory interest.
• We will provide this service on a "Contingency Fee" basis (except in certain circumstances see Section 5 below on "Cancelling this Agreement"). A "Contingency Fee" is a fee that is only charged if compensation is recovered and is assessed on an agreed percentage of the amount recovered. However, if you do not have your policy document we will require a cheque made payable to your Bank or Insurance provider for the amount of £10 (this consists of a £10 fee that the Bank and/or Insurer will charge us to make a Data Protection Act 1998 subject access request on your behalf for your policy or credit agreement details).
• We will correspond and negotiate with the defendant on your behalf in this action.
• We will inform you of all offers that we receive from the defendant; evaluate them and advise you in writing whether we consider it to be in your interests to accept or to reject.
• We will forward to you the monies agreed in settlement of your claim with the defendant, as soon as possible after the deduction of our Fee as described in 3 (e) (iii) (iv) (v) and 3 (f).
• We will endeavour at all times to provide you with the professional and dedicated service that you deserve. We will use all reasonable skill and care in the processing of your claim for reimbursement. To include all premiums plus statutory interest for all Payment Protection Policies agreed or judged to have been mis-sold.
• We will always act in your best interests in pursuing your claim and obtaining for you the best results.
• We will return all your documents (including bank statements, policy or credit agreements) upon receipt of all monies owed in accordance with this agreement.

• We will NOT advise you to pursue a claim that in our opinion has no realistic chance of success, or where the amount in issue does not in our opinion justify the likely work involved, and we reserve the right to cancel this Agreement if we form this opinion.
• We will NOT advise you to accept an offer that we consider inadequate or to reject an offer that we consider to be reasonable, and we reserve the right to cancel this Agreement if you wish to accept an offer that we consider inadequate or to reject an offer that we consider to be reasonable.
• We will NOT accept an offer without your agreement.
• We will NOT give or offer you financial advice.
• We will NOT advise you whether there is a risk that your Insurer may cancel your Payment Protection Policy after reimbursing Payment Protection Insurance from any provider other than those approved by Tucan Claims.
  • Nor will we advise you to seek alternative advice with regards to this.
• We will NOT take steps to remove any negative credit entry that your Insurer may have registered against your name.
• We will NOT offer Legal Advice directly in the event of your claim going to the court stage we will guide and assist you as far as we can.
• We Will NOT pay a referral fee or enter into any other financial arrangements in respect of introducing the claim.
• We Will NOT introduce you to a particular Solicitor OR a panel of Solicitors.

• To provide us promptly with all relevant information and items we request to enable us to pursue your claim, including if necessary a cheque made payable to the defendant for the amount of £10 (which consists of the £10 fee that the defendant will charge us to make a Data Protection Act 1988 subject access request on your behalf for a copy of your policy or credit agreement).
• To provide us with clear instructions.
• To cooperate with us (including sending to us any correspondence you receive directly from the bank).
• Not to ask us to work in an improper or unreasonable way or to mislead us.
• To provide us with the exclusive authority for the duration of the contract (to the exclusion even of you)
• to pursue your claim;
• to enter on your behalf into correspondence and negotiations;
• to receive, bank and give valid receipt for your compensation payment;
• to ask the defendant to make the cheque payable to 'Tucan' so we can bank it, or (if the cheque is instead made payable to you but received by us) to pay it into a treasury account or to retain it pending receipt from you, payment in cleared funds of our fee agreed pursuant to this Agreement and;
• (if the cheque is made payable to us or is paid by us into a treasury account) to deduct our fee agreed pursuant to this Agreement before sending you a Tucan cheque for the balance.
• (if the cheque is instead sent by the defendant to you rather than to us) to pay within 7 days our fee agreed pursuant to this Agreement.
• To read all of our terms and conditions for your own reference.
• To retain a copy of our terms and conditions for your own reference.
• Pay any associated court costs (which is usually refundable at the point of settlement) which may become due should you decide to take your claim through the small claims court, Tucan Claims will not offer any Legal Advice, however we will offer you support throughout the process and our panel of Solicitors will of course represent you if needed.
• Provide us with your authority to correspond and negotiate with your bank by signing the letter of authority.

• We will charge you a refundable review fee of £249.99. This payment covers any administration and processing costs. After you pay your review fee you have a 14 day 'cooling off' period. Inside this period you are entitled to cancel your review and receive a refund in full.
• We will charge you 10% of the total amount paid to you in full and final settlement of the claim made against the defendant. For example, for a payout of £1000.00, we would charge a fee of £100.00 to you.
• At the outset of your claim, we may require from you cheques for £10.00 to be made payable to (each of) your Insurer(s) (which consists of administration charges that the defendant will charge us to make a Data Protection Act 1998 subject access request on your behalf for your Insurance Policy/Policies).
• If no payment is received, you pay us nothing except in certain circumstances (see section 6 below on "Cancelling this Agreement").

• If, in the unlikely event, you are not completely satisfied with the outcome and you feel you have cause to complain, you agree to follow guidelines set out in our "Complaints Procedure".

• In the event that we cancel this agreement because we have advised you that your claim is unlikely to succeed, no fee will be payable by you provided that you have not breached your duties set out at section 3 above.
• We can cancel this agreement at any time if you have breached your duties set out at section 3 above or if you accept an offer that we consider inadequate or reject an offer that we consider to be reasonable. In any circumstances other than those described at 6(a) above we may charge you a nominal fee for the work that we have undertaken for you. In the event that we make such a charge it will be calculated by multiplying the number of hours (or part thereof) spent by us on your claim by the applicable hourly charging rate of £10 per hour, and time spent will be measured in units of six minutes. We will, however, warn you if we intend to charge such fees and how much they are likely to be.
• You can cancel this agreement at any time. If you choose to do so we will make a reasonable charge for the work that we have undertaken. This will not be calculated in accordance with 6(b) above but will be a reasonable charge for the work undertaken.
• Cancellation of this Agreement by either party must be in writing.
• There is a 14 day cooling off period in which you may cancel the agreement without any charge other than the £10 Data Protection Act fee, if the last six years statements have been requested within that time limit; or else without any charge if the statements have not been requested.

Tucan Claims are a claims management business that specialise in a dynamic range of financial claims services such as unfair Bank and Credit Card charges, mis-sold Payment Protection Insurance, Mortgage Arrears Charges and Unenforceable Loans.

Tucan Claims is the trading name of Tucan Claims Limited

We specialise in helping consumers assert their legal rights by challenging mis-sold payment protection insurance polices that they were sold alongside their credit agreements.

Tucan Claims is regulated by the Ministry of Justice in respect of Regulated Claims Management activities (CRM23165)

No, but we have a specialist in-house legal team who are trained in contractual and regulatory law.

We have substantial experience in the Finance Industry and in Claims Management. We also have many success stories specific to re-claiming mis-sold payment protection insurance. Follow this link to read a few


• Payout Letters

We believe that not only are our costs lower than a lot of companies, but we also have a high level of service. We have an excellent success rate, we're honest, reliable and most importantly specialists at what we do!

The simple answer is YES, the law is on your side, the Consumer Credit Act 1974 was established to protect consumers like you and I. In simple terms, if you have been charged for a policy that was mis-sold in any way shape or form we can help to re-claim the money that is rightfully yours.

When you were sold the policy the advisor should have made sure the payment protection insurance was appropriate for your circumstances at the time the advice was given.

Please check below to see if any are applicable to you:

• You were told you had to take out PPI or you would not get the loan
• You were self employed or unemployed at the time of the loan
• You felt pressured into taking the PPI
• You paid off your loan early and never got a PPI refunded
• You were told with PPI you had a better chance of being accepted for the loan
• You were lead to believe that the PPI policy was compulsory
• You increased or topped up your loan and the PPI was added automatically

If you are not sure if you qualify, simply call us on 0844 774 2668 or fill in the quick apply to receive a no-obligation telephone call from one of our expert advisors.

A credit agreement is the contract that you sign after you apply for a card, loan or hire purchase, which forms the basis of your agreement with the Bank or Lender.

The Consumer Credit Act is a piece of regulatory legislation which was designed to help regulate the consumer credit market.

The Consumer Credit Act requires all banks/lenders of any amount usually between £50 and £25,000 to include certain points in their credit agreements. Here are just a few examples of why agreements can be challenged....



• Non provision of prescribed terms - The Lender did not include in the agreement all of the information they were required to provide


• Inappropriate execution of agreement - The Lender did not provide an Agreement in the format allowing correct execution.


• Miscalculation of APR's or the total amount repayable - The Lender did not use the correct method to calculate the Interest rate or the total amount repayable


• Non provision of relevant documentation post agreement - The Lender is unable or unwilling to provide copies of the original signed agreement and supplementary documentation


• Non disclosure of commissions or fees - The Lender did not disclose all of the commissions and fees they paid or received in connection with the agreement


• Mis-selling on ancillary products - The Lender inappropriately included an ancillary product with the Credit Agreement, in breach of The Financial Services and Markets Act 2000.

If any of the above applies to your agreement, then the banks/lenders are misleading you as a consumer, so you can challenge the validity of these agreements.

Credit agreements support financial products including credit cards, store cards, secured loans, unsecured loans, deferred loans, consolidation loans and hire purchase agreements.

We would also encourage you to investigate any agreements where you are paying Payment Protection Insurance (PPI) to cover your repayments. The PPI cover may have been mis-sold to you or applied incorrectly. In that case, you may be able to claim back some or all of the payments that you have made.

We break the claims process down into 2 sections: review and legal auditing.

During the review stage, we will help you understand how we can help you, how much it costs, and answer any questions that you might have.

If you decide to proceed with a claim, then we pass you to our legal team who (with your permission) can access your credit file to find the details of the credit agreements you wish challenge.

The legal team then starts working on your behalf to win your claim.

Our review fee is only £249.99. This payment covers any administration and processing costs for an unlimited amount of claims, but that's not just for you but for every member of your household.

Once we have been successful with your claim, we will charge you 10% of the total amount paid to you in full and final settlement of the claim made against the Bank/Lender.

Unlike other companies who will charge you per claim PLUS up to 40% of the compensation, we aim to keep our costs as low as possible.

The initial review stage takes 14 days. The rest depends on the exact nature of your credit agreement with your Lender.

We aim to recover the maximum amount possible for you, so please allow anything from 4 weeks to 6 months.

Yes, this claims process is absolutely 100% legal, and we are extremely careful to abide by all our legal and regulatory requirements.

Yes this is totally ethical. As a consumer, if you make a mistake e.g. miss a payment, then you're Bank or Lender will apply charges to you.

Charges are applied to consumer's accounts every day for simple errors. If your Bank or Lender penalise you when you make a mistake, why shouldn't you penalise them when they make a mistake?

Legally Banks or Lenders are not allowed to apply negative marks to your credit file if you enforce your legal rights and challenge your payment protection insurance policy.

Our review fee is only £249.99. This payment covers any administration and processing costs for an unlimited amount of claims, but that's not just for you but for every member of your household.

Once we have been successful with your claim, we will charge you 10% of the total amount paid to you in full and final settlement of the claim made against the Bank/Lender.

Unlike other companies who will charge you per claim PLUS up to 40% of the compensation, we aim to keep our costs as low as possible.

After you pay your review fee you have a 14 day 'cooling off' period. Inside this period you are entitled to cancel your review and receive a refund in full.

After this time, you can still change your mind, but there may be some fees/costs due for the work carried out on the claim.

The law was changed in 2006 when the government changed the way in which aspects of the 1974 Act worked. This change in the law came into effect in April 2007. However, the change in the law applies to credit agreements after April 2007.

This updated the Act to become the Consumer Credit Act 2006. Lenders and banks will always have to include the same points in their credit agreements, and these will always have to be accurate, to prevent misleading consumers.

Banks and lenders have finally realised their mistake, and are frantically re-writing their credit agreements to make them compliant with the Consumer Credit Act.

Yes, it is possible to do this yourself; you do not need to use a claims management company. However, the process can be quite time consuming and some consumers do not have the time to follow the process up.

We encourage you to explore all of your options before you decide to use a claims management company, but the bottom line is that we are good at what we do, we have the time to assign to you and your claim and we can offer you an amazing service at a realistic price.

All you have to do is make a small payment and sign a form, giving us to access your credit file in order for us to review you credit history, and let us do all the work for you, thus saving you the time.

This is a common misconception, we are not exploiting a loophole in the law, we are here to help consumers re-claim mis-sold policies that they end up paying hundreds sometimes thousands or pounds for.

Banks and lenders have also made serious mistakes with the way that they execute their credit agreements, which in essence have made these agreements legally unenforceable. They have not always followed the regulatory legislation.

We are simply using the correct procedures to legally challenge the Banks and Lenders. Essentially were using the law that is put in place to protect you.

At Tucan Claims we strive to ensure that we put the "customer" first, and to make sure we carry out work on your behalf with the care and attention it deserves. If, in the unlikely event, you are not completely satisfied with the outcome and you feel you have cause to complain, please find below details of our business complaints procedure.

• Complaints may be made in writing, by e-mail, by telephone or in any other form in respect of a claims management service that we have provided and that is regulated under the Compensation Act 2006. Confirmation of complaint details will be requested for clarification in writing and logged by the business. Our address for correspondence can be found on the contact us page
• We reserve the right to decline to consider a complaint that is made more than six months after you became aware of the cause of the complaint. There may be instances where we will waive this requirement at our discretion. We will confirm to you in writing if a complaint has been made outside the time limit that we are prepared to consider.
• We will send you a written or electronic acknowledgement of a complaint within five business days of receipt, identifying the person who will be handling the complaint for the business. Wherever possible, that person will not have been directly involved in the matter which is the subject of the complaint, and will have authority to investigate and bring the complaint to a satisfactory conclusion.
• Within 4 weeks of receiving a complaint, we will send you either:
  a) a final response which adequately addresses the complaint;
  or
  b) a holding response, which explains why we are not yet in a position to resolve the complaint and indicates when we will make further contact with you.
• Within 8 weeks of receiving a complaint we will send you either:
  a) a final response which adequately addresses the complaint;
  or
  b) a response which:
  • explains why we are still not in a position to make a final response, giving reasons for the further delay and indicating when we expect to be able to provide a final response;
  • informs you that you may refer the handling of the complaint to the Claims Management Regulator if you are dissatisfied with the delay.
• Where we decide that redress is appropriate, we will provide you with fair compensation for any acts or omissions for which we are responsible and will comply with any offer of redress which you accept. Appropriate redress will not always involve financial redress.

If you are not satisfied with our response to your complaint, or if the complaint is not resolved after eight weeks, you may refer the complaint to the Claims Management Regulator. Contact details for the Claims Management Regulator are listed below:

Claims Management Regulator
PO Box 7824
Burton on Trent
Staffordshire
DE14 9DP

info@claimsregulation.gov.uk

The Regulator can review the handling of the complaint and can give a direction on further handling of the complaint. However, he cannot determine a complaint or award.