Frequently Asked Questions

We work on a no win, no fee basis, meaning your claim is entirely backed by insurance. If your claim doesn’t win, our fees will be covered by insurance, and your case will be closed with no hidden costs to you. If your claim is successful, the lender will pay your compensation into our client account, our percentage of fees (plus VAT) will be deducted, and the remaining compensation will be paid promptly to you.

Please note: If you choose to cancel your claim outside the 14-day cooling-off period, you may be liable to cover the costs of our fees as outlined in our terms and conditions. As long as you allow us to continue working on your case and respond to our communications, you will never have to pay anything out of your own pocket, even if your claim is unsuccessful.

We are committed to complete transparency and ensuring there are no unexpected costs for our clients. If you have any questions about fees or cancellations, feel free to contact us.

At Courmacs Legal, we operate on a no win, no fee basis, meaning you won’t pay anything upfront or if your claim is unsuccessful*. If your claim is successful, our fees are deducted from the compensation awarded, and these are capped to ensure fairness. Below is a breakdown of our fee structure:

Example Calculations:

• If your compensation is £1,000, our maximum fee would be 30% (£300), plus VAT (£60), making the total fee £360.
• If your compensation is £5,000, our maximum fee would be 28% (£1,400), plus VAT (£280), making the total fee £1,680.
• If your compensation is £50,000, our maximum fee would be 15% (£7,500), plus VAT (£1,500), making the total fee £9,000.

We are committed to complete transparency about our fees, ensuring you’re always informed. If you have any questions about how fees are calculated, please don’t hesitate to contact our team.

In order to speed up the claims process, please provide as much information as you can about your financial agreement. It’s always a good idea to save policy documents; by providing these, we can locate your policy using your credit history.

This will also help avoid requests for further information later on in the process.

The time it takes to resolve a PCP claim depends on the type of claim and the lender’s response time. There are two primary routes your claim could take: unaffordability or undisclosed commission.

• Unaffordability Claims: These claims usually take around 10 weeks to settle if the lender is willing to resolve the case quickly. However, if the lender does not agree to settle, the process may take longer. These claims are relatively straightforward and often resolved faster.

• Undisclosed Commission Claims: These claims are more complex and may take 12 months or more to settle. This depends on factors such as whether the claim needs to go to court and how cooperative the lender is during the process.

Additionally, undisclosed commission claims involving Discretionary Commission Arrangements (DCAs) may be subject to the FCA pause, which has delayed final decisions on these claims until 4 December 2025. The FCA has introduced this pause to ensure fair and consistent outcomes for consumers while it reviews the impact of DCAs. If your claim is affected by the pause, we will notify you and keep you updated on any developments as the FCA’s investigation progresses.

We understand the importance of keeping you informed, and we’ll provide regular updates on your case throughout the process.

The length of time a Housing Disrepair claim will take generally depends on the findings of any experts instructed, Landlords response and their willingness to engage with us in a timely manner but there is no fixed time if which a case for housing disrepair will be completed.

Our Housing Disrepair Litigation team will keep you updated at each stage and on each response, providing an explanation and advice along the way. We must look to engage in Alternative Dispute Resolution (ADR) as a way to find agreement with your Landlord.

If we do not feel that the ADR is proving worthwhile, or that your landlord is not engaging appropriately, we will then discuss the option of issuing the claim at Court.

Cases usually take around 6 – 12 months. If the case is issued at Court, however, then the claim potentially could take around 12 months to conclude. 

• If your claim is settled and your damages or compensation is accepted, the defendant will pay the total sum into our ‘client account’.
• When we receive the money from the defendant, our fees will be deducted. Our fees depend on each claim and will be detailed in the agreement document you signed at the beginning of the process.
• Once the fees have been deducted, we will promptly send the final amount to your bank account. 
• We then kindly ask you to leave us an honest Trustpilot or Google review of the work we did on your claim and your experience throughout! This helps show that we are a reliable and trusted service. 

Under our “No Win, No Fee” arrangement, if your claim is unsuccessful, you will not have to pay any legal fees.

If your claim is successful, a success fee or other costs will be deducted from your compensation award. This will be fully explained before you agree to proceed with your claim so there are no surprises.

Yes, you can cancel your claim at any time. If you cancel within the 14-day cooling-off period, no fees will be charged. However, fees may apply if you cancel after this period. Please email cancellations@courmacslegal.co.uk, call 0330 341 0481 or visit our cancellations page. Rest assured, your request will be handled promptly and professionally. Please note that if you do choose to cancel outside of your 14-day cooling-off period, you may be liable for any fees we have incurred while processing your claim. 

Starting a claim with Courmacs Legal is simple. You can either fill out our online enquiry form or give us a call to speak with one of our solicitors. We will provide you with a free consultation to discuss the details of your potential claim.

You can contact us by phone at 0330 341 0481 or by filling out our contact form on the website. We’ll get back to you at your convenience to discuss your claim.

To help us process your claim quickly, please gather relevant documents, such as your original car finance agreement, any correspondence with your finance provider, proof of payments made, and any documentation related to your complaint. The more information you can provide, the easier it will be for us to assess your case.

We will also require a form of identification, not only to comply with Anti-Money Laundering (AML) regulations but also to verify your identity with the lender if you’re making a PCP claim. Identification ensures that your claim can be processed smoothly and prevents any delays. Acceptable forms of ID include a valid passport, driving licence, or other government-issued identification.

If you have any concerns about providing documentation or identification, our team is here to assist you every step of the way.

Yes, you can still make a claim with Courmacs Legal even if another company has rejected your claim. Each case is unique, and we will review your circumstances to determine the best approach for pursuing your compensation.

Our No Win, No Fee agreement means that you won’t have to pay any legal fees unless we successfully secure compensation for you. This arrangement allows you to pursue your claim without the worry of upfront costs or fees if your claim is unsuccessful.

Yes, there are generally time limits for making claims, which can vary depending on the type of claim. For PCP finance claims, you typically have six years from the date of your complaint to make a claim. It’s best to get in touch with us as soon as possible to ensure you don’t miss any deadlines.

While we cannot guarantee success, our experienced team will assess the details of your case to provide you with a realistic view of your chances. Factors such as the evidence you provide and the specifics of your situation will influence the outcome.

We understand that you want to stay informed. Our team will provide regular updates via your preferred communication method, whether that’s phone calls, emails, or text messages. You can also reach out to us anytime for updates on your claim.

Absolutely! Our team is here to support you. You can contact us directly via phone or email to discuss your claim with a member of our dedicated team, who can answer any questions and provide personalised guidance.

If you decide to withdraw your claim, you can do so within the 14-day cooling-off period from the day you signed up without incurring any charges. However, if you choose to withdraw after this period, you may be liable for fees related to the work we have already undertaken on your behalf. Please inform us as soon as possible, and our team will assist you with the cancellation process. We want you to feel comfortable and confident throughout your claims journey.