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Terms And Conditions

1. Definition

1.1   ‘Claims Management Fees’ means such fees payable by the Client to the Claims Management Company upon conclusion of the claim.
1.2   ‘Claims Management Company’ means any company that conducts claims on behalf of consumers.
1.3   ‘Claim’ means any claim that the client could make against a third party.
1.4   ‘Client’ means the client of the Company.
1.5   ‘Compensation’ means any monies due, savings made or benefits received further to a claim against a third party.
1.6   ‘Company’ means Claiming 4U which is a trading style of Karmen Funding Limited.
1.7   ‘Contract’ means the contract between the Company and the Client for the provision of the Services, comprising the signed Terms and Conditions.
1.8   ‘DPA’ means the Data Protection Act 1998, as amended from time to time, ‘CCA’ means the Consumer Credit Act 1974, as amended from time to time.
1.9   ‘CCA’ means the Consumer Credit Act 1974, as amended from time to time.
1.10   ‘PPI’ means a Payment Protection Insurance policy or similar loan protection scheme including without limitation schemes covering eventualities such as accident, sickness, redundancy and/or unemployment.
1.11   ‘Services’ means all or any of the services as specified in the Contract.
1.12   ‘Third Party’ means any bank, person, firm or company that provided credit facilities to the Client, imposed bank charges on the Client and/or arranged for the Client a PPI or Life Assurance Policy.

2. Duration & Services

The Contract shall commence on the date on which the Client’s signed Terms and Conditions are received by the Company and unless terminated earlier as provided below shall continue until the company has completed the claims process for the client. The Company agrees with the Client; To conduct a full claims management process and settle any claims as expediently as possible, to act in the best interests of the Client at all times.

3. Our Fee

3.1 We will endeavor to recover redress due to you the third party and arising from the mis-selling of PPI, Shares or Pensions, including compensation, interest (interest charges as well as Statutory Interest) and refunds. Our fees for this service is 36%* of the total redress offered in respect of your claim(s), prior top HMRC’s deduction.

* Our fees are subject to regulatory change and will be charged at the prevailing maximum rate; homewer, we will never charge fees in excess of 36%.

For the avoidance of doubt, all fees will be charged based  on the prevailing rate at the date on which you sign our T&C’s.

3.2 Where the client is more than one person the liability for the fee remains joint and several which means that the Company can recover any fees from either or both persons.
3.3 Example 1: The Client paid £1,000 compensation. The Company’s fee would be for £360 (36% of monies received) The Client would receive £640. Example 2: The Clients offer of compensation is £1,000, however the bank deducted £300 owed to them (offset) was £300, leaving £700 in total. The company’s fee would be £252. The Client would receive £448. Example 3: The Client is paid £3,000 compensation. The company’s fee is £1080, the Client would receive £1920.
3.4 Payment of the Company’s fee becomes due and payable within 14 days upon the clients receipt of compensation.
3.5 If the Lender uses their right to offset any of the compensation to any arrears, then our fee will reflect on the amount received in cash to the client and not the full compensation amount.


4. General Obligations of the Client

The Client agrees with the Company:
4.1   To supply all paperwork and or statements related to the Client’s claim and to provide promptly all such information as the Company may from time to time reasonably request and To deal with all correspondence from the Company within 14 days.
4.2   To ensure that all information sent to the Company is true, accurate, not misleading and shall not contain any relevant omissions.
4.3   To authorise the Company to act on its behalf to contact the Third Party or such other persons, firms or companies as the Company considers necessary to perform the Services and to authorise the release of any such information as the Company deems appropriate.
4.4   Not to appoint any other company or other person, firm or company to provide the Services during the term of the Contract without the prior written consent of the Company.

5. Termination/Cancellation of this Agreement

The Company shall have the right by giving written notice to the Client at any time to immediately terminate or cancel the Contract if:
5.1   There occurs any material breach by the Client of any term of Contract (in respect of any one or more claims) which is irremediable or, if remediable, is not remedied to the Companies satisfaction within 15 days of a written notice by the Company specifying the breach and requiring it to be remedied; or
5.2   The Client is adjudicated bankrupt, enters into a voluntary arrangement with its creditors or;
5.3   If the Company advises that the Client’s claim is unlikely to succeed and if the Client has not breached their duties set out at section 4 above.
5.4   If the Client has breached their duties set out at paragraph 4;
5.5   Either party is entitled to cancel this agreement at any time by the following method;

  •  Telephone
  •  Email
  •  Letter

If you cancel within the 14 days of the date of this agreement, you will not be charged anything. If you cancel after 14 days, we reserve the right to make a reasonable charge for the work we have done. Once compensation is offered or paid, our success fee is payable.  The 14 day cancellation period will commence when we receive these terms and conditions back. Any of the above methods for cancellation will be accepted.

Should you wish to cancel this agreement by letter, please send clear instructions in writing to:

Claiming 4U, 40A Bury New Road, Prestwich, Manchester, M25 0LD

Alternatively, you can call us on 0161 798 8586, or email us at


6. Confidentiality

6.1   Both parties agree to keep confidential the subject matter of the Contract any information (whether written or oral) acquired by that party in connection with the Contract and not to use any such information except for the purpose of performing its obligations under the Contract.
6.2   Both parties agree that the provisions of Condition 6.1 shall not apply to information already in the public domain other than as a breach of Condition 6.1.

7. Privacy Policy and Data Protection

The privacy and security of your personal information is very important to us. Any personal information submitted to us will be subject to the provisions of the General Data Protection Regulation 2016/679 (“GDPR”) and any legislation enforced within the UK in order to comply with GDPR, unless required to do so by law or a professional body, we will not disclose any personal data to any other person or organisation without the required consent.

We want to assure you thath the claimant information will be properly managed, protected and respected. You can assured any information you provide us will be used strictly in accordance with the terms laid out in this statement.

This privacy statement explains how we collect and use the claimant personal information, what choices they have and other important information. You can find our full privacy on our Website


8. Notices, Severability, Variations, Complaints, Waiver

The Company operates a complaints mechanism, which can be initiated by any means (letter, telephone, e-mail or in person), by giving full details of any complaint.

9. Law and Jurisdiction

9.1   The law applicable to this Contract shall be English Law and the parties consent to the jurisdiction of the English Courts in all matters affecting the Contract.  Definitions used have the meaning given to them in these Terms and Conditions (the ‘Terms and Conditions’
9.2   The parties agree that in the event of non-payment of fees by the Client resulting in litigation between the parties, legal costs shall be payable in keeping with the appropriate Court Guidelines.