Frequently Asked Questions

Will I ever have to pay costs out of my own pocket?

Absolutely not! We work on a no-win, no-fee basis so your claim is entirely backed by insurance. If your claim doesn’t win, our fees will be paid by the insurance company and your case will be closed with no hidden costs to you. If your claim is settled, the lender will pay your compensation into our ‘client account’, our percentage of fees will be deducted, and you will be paid your compensation promptly.

What are Courmacs' Fees?

We do not take any up-front fees! You may have heard of ‘no win, no fee’ – this seems a little daunting, however it just means that we back every compensation claim with insurance to ensure that if your case is lost, you will not have to pay anything. 

If your case does win and you receive compensation, we will take a percentage to cover our solicitors’ time working on the case. 

We guarantee that all our clients will receive at least 51% of the compensation rewarded.

How can I make the claims process as quick as possible?

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 within the lender’s systems. 

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

How long does a PCP claim take?

The length of time a claim will take generally depends on the lender’s response time. As mentioned, there are two routes your claim could take: unaffordabilty or undisclosed commission.

  • Unaffordability PCP claims tend to take around 10 weeks to settle, however, if the lender does not want to settle it can take longer. These claims are fairly straight-forward and tend to be settled quickly.
  • Undisclosed commission claims are more complex and need to be handled a little differently. These claims can take around 12 months to settle, depending on whether they need to go to court and, again, if the lender is willing to settle quickly.
How long does a Housing Disrepair claim take?

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. 

What happens once my claim is settled?
  • 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. 

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