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TERMS & CONDITIONS

These Terms and Conditions apply to anyone who uses this website or contacts LEXLITUS LTD (registered in England and Wales under Company Registration Number 10669936) who is referred to in these Terms and Conditions as "we" "us" and/or "our".  Customers, clients, visitors or users of the Website are referred to as "you" or "your". The information contained in this website is general information only, based on the Law of England and Wales. The user should be aware that laws and regulations may be different outside England and Wales.

The content of the website does not constitute legal advice and you should always consult a suitably qualified lawyer on any specific legal problem.

THE PROCEDURE FOR PERSONAL INJURY CLAIMS

If we feel we cannot help you, we will let you know, you are free to seek advice elsewhere. If we feel you would benefit from legal advice we will offer to put you in touch with a specialist solicitor. However please note that we cannot guarantee that the claim will be successful.

LEXLITUS LTD will not charge you anything for doing this. We will not ask you to take out any loan, enter into any contract, or sign anything. We do not give you legal advice because that is the job of a specialist solicitor. LEXLITUS LTD will assist you in making contact with an independent firm of solicitors. You are free to choose another solicitor. Any solicitor we introduce you to is an independent professional from whom you should receive impartial and confidential advice. The solicitors should always act in your best interest.

LEXLITUS LTD is not in any way responsible for the advice given or other work undertaken on your behalf by these solicitor firms. Your solicitor firm will give you their independent advice about the use of legal expenses insurance and any medico-legal reporting agency. Solicitor firms pay LEXLITUS LTD for marketing/introduction and other services. This does not affect the value of your claim in any way.

We ask the solicitors to provide brief details of the progress and outcome of your case. We try our best to track the outcome of the distress calls we receive and request the solicitors to offer information about the status of your claim for our records. We treat this information confidentially, but if you do not want the solicitor to report this information, please instruct them accordingly.

THE PROCEDURE FOR FINANCIAL PRODUCTS SERVICES CLAIMS

This Agreement forms a contract between you the ‘Client(s)’ and Lexlitus Ltd. 55 Kents Road, Stantonbury, Milton Keynes, MK14 6BA. You should not sign this contract until you have read the agreement and services that LEXLITUS LTD provides, including any fees payable to them.

Please note that you have a 14-day cooling off period to withdraw from the contract without any consequences, Clause 8 of this agreement provides guidance for termination after the cooling off period.

1. THE SERVICE PROVIDED

 

1.1 LEXLITUS LTD will pursue a claim for mis-sold Financial Products/ Services against the lender on your behalf for financial products with the particular lender you have authorized us. LEXLITUS LTD will also provide updates on the progress of the claim, which will be undertaken on a No Win No Fee contingency basis. LEXLITUS LTD will only progress claims which appear to have sufficient grounds to justify making a claim from the information provided to LEXLITUS LTD by you.

 

1.2 In signing these terms and conditions you agree to instruct LEXLITUS LTD to attempt to bring a claim for products with the particular lender/service provider as authorized by you. LEXLITUS LTD will be entitled to a contingency fee (as set out below) If, as a result of our claim letter against a lender, a lender finds out that you had additional mis-sold products, lender decides to provide compensation for the additional claims, then we will be entitled to a contingency fee.

 

2. PROCEDURE

 

2.1 Upon receipt of your completed Claim Pack, LEXLITUS LTD will instigate a complaint on behalf of you with the Lender/Broker responsible for the alleged claim. This complaint will be handled by the internal complaint procedures of the Lender/Broker, which are governed by the Dispute Resolution Rules as specified by the Financial Conduct Authority (FCA).

 

2.2 LEXLITUS LTD will pursue a complaint through such procedures until a decision is received from the Lender/Broker. This decision will be assessed in line with our assessment of the value of the claim and, if required, will be referred to the Financial Ombudsman Service (FOS) to act as arbitrator in any dispute arising from the decision, where their jurisdiction applies. Please note that the FOS is a free service available to you.

 

2.3 LEXLITUS LTD will progress the claim until a final conclusion is reached. Where that conclusion is successful, LEXLITUS LTD will be entitled to charge a fee in line with that agreed under clause 3 entitled ‘LEXLITUS LTD Fees’ below.

 

2.4 LEXLITUS LTD may be unable to progress your claim under certain circumstances: non-cooperation, required documents cannot be provided, misleading information provided by you. Where this is the case we will notify you in writing of our decision not to proceed, and, upon request, will provide you with a concise explanation as to why we are unable to proceed further with your claim.

 

2.5 If you do not receive a suitable or reasonable offer of compensation from the lender you have right to refer your complaint to the Financial Ombudsman this service is free of charge.

 

 3. LEXLITUS LTD FEES

 

3.1 No fees will be charged to you in respect of an unsuccessful claim. Where a claim is successful, LEXLITUS LTD will charge a contingency fee representing no more than 20% in respect of any redress/compensation/goodwill payment recovered on your behalf. The contingency fee of 20% is calculated before any applicable tax payment/deduction for which you are liable. Under no circumstances will you be required to pay more than this amount.

 

3.2 Should you receive and accept an offer for the balance of a credit agreement to be written off, or for redress/compensation to be offset against arrears, the fees will be calculated at 20% of the write-off or amount offset, plus VAT at the prevailing rate.

Examples of the fee structure are set out below and can be explained further by contacting our office directly:

 

Example A: Compensation is paid in full

  • Total compensation:    £3000

  • Of which award is         £3000

  • Fee charged @ 20%      £600

  • Total Fee                         £600

  • Consumer receives       £2400
    (and no reduction in loan as it is already paid off in full)

 

Example B: Compensation includes redress amount awarded to claimant with loan and future instalment deduction (tax chargeable on 8% interest)

  • Total compensation:   £3000

  • Of which award is        £1500

  • Loan reduction             £1500

  • Fee charged @ 20%      £600

  • Total Fee                         £600

  • Consumer receives       £900
    (and a reduction of £1500 in future loan instalments)

 

Example C: Compensation is used to offset arrears consumer has on credit card or loan

  • Total compensation:   £3000

  • Of which award is         £0

  • Set off arrears               £3000

  • Fee charged @ 20%     £600

  • Total Fee                        £600

  • Consumer pays            £600
    (and a reduction of £3000 in their outstanding loan)

 

3.3 You must notify LEXLITUS LTD if the account and/or credit card is in arrears. IF example C above occurs, in which the full award is applied against any arrears, then LEXLITUS LTD will only be entitled to recover fees once the account/credit card has been paid off in full, unless otherwise agreed between LEXLITUS LTD and yourself. The amount you are required to pay LEXLITUS LTD will not exceed the monthly amount you were required to pay to the original lender and/or credit card provider. beware if this occurs you will have to find other sources from which to pay our fees.

 

3.4 Where fees remain unpaid and LEXLITUS LTD are forced to either take court action or appoint a debt collection agency to recover outstanding monies, LEXLITUS LTD reserve the right to increase the amount owed by an amount equivalent to the cost of that recovery. A court may also award additional cost and/or statutory interest at the rate of 8% above Bank of England base rate.

 

4. DOCUMENTATION AND DISCLOSURE

 

You must provide all documents which you may have in your possession from the Lender, Broker or Insurer which may assist in the preparation of the claim. You may also be required to provide proof of your identity and/or proof of address as required. You must complete all documentation and disclose all relevant information which is pertinent to your claim in a truthful manner, which is accurate to the best of your knowledge. You may be required to complete additional forms and information for the purpose of proceeding with a FOS claim.

 

5. THE RISKS OF MAKING A CLAIM

 

The procedure outlined in this document is intended to minimize the risk of making a claim against a third party. In the normal course of events, if the claim is not pursued, there is nothing for you to pay as any liability for fees only arises upon a successful outcome; however, there are circumstances where risks may exist. You, therefore, acknowledge that the following risks are involved in making a claim:

 

(i) That you may lose your case or your case may be closed due to lack of evidence.

(i) In most successful cases where a claim relates to the alleged mis-sale of a PPI Policy and the PPI, Policy is current, you will be required by the firm to cancel their PPI. This will leave you without insurance cover on your credit agreement. Should you consider that having insurance coverage on your credit agreement is of importance, then LEXLITUS LTD strongly encourages you to seek independent financial advice as to the availability of alternative cover. LEXLITUS LTD also urges you to put such cover in place before the cancellation of your policy.

LEXLITUS LTD cannot accept any responsibility for the loss of benefits under a payment protection insurance policy which is cancelled as part of a successful compensation claim.

 

6. REGULATORY BODIES

 

LEXLITUS LTD is regulated by the Claims Management Regulator in respect of regulated claims management activities; its registration CRM43308 is recorded on the website www.gov.uk/moj/cmr

 

7. CONCERNS ABOUT OUR SERVICE

 

LEXLITUS LTD operates an internal complaints procedure for the resolution of complaints regarding services provided by our claims management department. In the event that you have a complaint about the service which we provide, please write to Complaints Department: Lexlitus Ltd. 55 Kents Road, Stantonbury, Milton Keynes, MK14 6BA. Alternatively, you may register your dissatisfaction via email to complaints@lexlitus.co.uk, or via the telephone on 07391 170999. We will acknowledge your complaint in writing or electronically within 5 working days and advise you on how we plan to resolve your concerns at the earliest opportunity. A copy of our Internal Complaints Procedure can be found in our Customer Information and is also available upon request.

If you remain dissatisfied, you may refer your complaint to the

Legal Ombudsman, PO Box 6806,

Wolverhampton, WV1 9WJ.

Email: enquiries@legalombudsman.org.uk

Telephone: 0300 555 0333

 

8. TERMINATION

 

8.1 You may terminate this agreement with LEXLITUS LTD, in writing at any time. Upon signing this agreement, you will have 14 days to cancel the agreement without any consequence or charge, this process is known as ‘cooling off’, and where LEXLITUS LTD are instructed to do so, we will acknowledge that the agreement has been terminated in writing.

If terminated after cooling off period our rate is £50 per hour, our letters and telephone calls are charged at £10 per letter or call whether outgoing or incoming.

 

8.2 You acknowledge that once a claim has been successful or you receive any benefit from instructing LEXLITUS LTD to bring a claim, you will be liable to pay the contingency fee as set out at clause 3 above. Termination of this agreement following such success will still incur the appropriate fee as outlined in point 3 of this agreement.

 

8.3 In some cases, LEXLITUS LTD may decide that they are unable to continue to act for you. Examples of where this may occur are: if LEXLITUS LTD cannot obtain clear instructions from you; if they believe that they will not be successful in your claim, or; if they have been given misleading instructions or information from you.

 

9. INDEPENDENT ADVICE

 

You have a right, and we encourage you to seek further advice and/ or to shop around, we advise you to obtain independent legal advice before signing this contract as a matter of priority. If you do not understand any part of this letter, please do not hesitate to contact us and we will be happy to go through the agreement with you.

 

10. AGREEMENT

 

This agreement will be effective from the date that you sign it. By signing (below) you agree to be bound by these terms and conditions until such a point that the agreement is terminated or your claim is brought to a final conclusion. If you have any queries relating to these terms and conditions then please contact us on 07391 170999 before signing.

 

11. Change of Terms and Conditions

 

We may change our Terms and Conditions at any time. Changes will be updated on our website, and therefore recommend you check it from time to time to ensure you are referring to the current Terms and Conditions. Existing clients will be notified of the changes via e-mail or if they do not use one – by post. Your continued use of our website, following the posting of any changes, indicates your acceptance of such changes.

 

12. DATA SUBJECT ACCESS REQUEST

 

If you do not have the required paperwork on hand. In such instances it will be reasonable for you to make a data subject access request (DSAR) to your lender, should such situation occurs we will advise you accordingly.

 

 

THE PROCEDURE FOR CRIMINAL INJURY CLAIMS

This Agreement forms a contract between you the ‘Client(s)’ and Lexlitus Ltd. 55 Kents Road, Stantonbury, Milton Keynes, MK14 6BA. You should not sign this contract until you have read the agreement and services that LEXLITUS LTD provides, including any fees payable to them.

Please note that you have a 14-day cooling off period to withdraw from the contract without any consequences, Clause 8 of this agreement provides guidance for termination after the cooling off period.

 

1. THE SERVICE PROVIDED

 

1.1 LEXLITUS LTD will pursue a claim for Criminal Injuries Compensation on your behalf. We will also provide updates on the progress of the claim, which will be undertaken on a No Win No Fee contingency basis. LEXLITUS LTD will only progress claims which appear to have sufficient grounds to justify making a claim from the information you provide to LEXLITUS LTD

 

1.2 In signing these terms and conditions you agree to instruct LEXLITUS LTD to attempt to bring a claim for Criminal Injuries Compensation. LEXLITUS LTD will be entitled to a contingency fee (as set out below in Clause 3)

 

2. PROCEDURE

 

2.1 Upon receipt of your completed Claim Pack, LEXLITUS LTD will make an application on your behalf to the Criminal Injuries Compensation Authority by submitting an online application form. This application will be handled within the internal procedures of the Criminal Injuries Compensation Authority, which is governed by the Ministry of Justice. Full step by step, free of charge, guide available at https://www.gov.uk/guidance/criminal-injuries-compensation-a-guide

 

2.2 Reviewing a decision

 

When CICA has made their decision and communicated it to us, we will write to you to tell you what decision has been made.

If you are offered a payment and you accept their decision, you must complete and return the acceptance form (we will assist you) within 56 days of it being sent to the contact address we have on your file.

If you do not send your acceptance back to CICA within 56 days, and you have not asked for a review in writing, CICA will withdraw the determination and no award will be made, in accordance with the terms of the Scheme. You can also write to CICA asking for the time limit to be extended by up to a further 56 days.

If you disagree with the original decision and want CICA to review it, we must send to CICA your written application for a review within 56 days of the date of the original decision. You will need to enclose any additional evidence that you wish CICA to consider in support of your claim.

If it will take you longer than 56 days to collect the evidence you need to support your claim, we should write to CICA on your behalf asking for the time limit to be extended by up to a further 56 days. You can ask for an extension even after the first 56 days have passed, but we will only grant this if there are exceptional circumstances which meant you could not have requested an extension earlier.

When CICA gets your request for a review along with all your supporting information, a claims officer, other than the one who made the original decision, will consider it. The review decision can be more or less favourable than the original decision, or the original decision may be unchanged. It is important that you understand that while a possible outcome of a review is that you might get a bigger payment, it is also possible that you will get a lower payment or no payment at all.

 

 Appealing a decision

If you disagree with a review decision, you can appeal to the First-tier Tribunal (Criminal Injuries Compensation) in accordance with Tribunal Procedure Rules (We will assist you in the process). When CICA sends you their review decision, they will send you the form to use to ask for an appeal. You will need to fill in the form explaining why you think CICA decision was wrong. You should also provide any extra material which supports your reasons for an appeal. You should send the form and the evidence to the First-tier Tribunal (not CICA) so that they get it within 90 days of the date of the review decision. You can ask the First-tier Tribunal to extend this period, but you must do so within the 90 days.

If you are not satisfied with our services please refer to clause 7.

 

2.3 LEXLITUS LTD will progress the claim until a final conclusion is reached. Where that conclusion is successful, LEXLITUS LTD will be entitled to charge a fee in line with that agreed under clause 3 entitled ‘LEXLITUS LTD Fees’ below.

 

2.4 LEXLITUS LTD may be unable to progress your claim under certain circumstances: non-cooperation, required documents cannot be obtained from you, false or misleading information provided to us. Where this is the case we will notify you in writing of our decision not to proceed, and, upon request, will provide you with a concise explanation as to why we are unable to proceed further with your claim.

 

3. LEXLITUS LTD FEES

 

3.1 No fees will be charged to you in respect of an unsuccessful claim. Where a claim is successful, LEXLITUS LTD will charge a contingency fee representing no more than 25% in respect of any compensation payment recovered on your behalf. The contingency fee of 25% is calculated before any applicable tax payment/deduction for which you are liable. Under no circumstances will you be required to pay more than this amount.

 

Example: Compensation

  • Total compensation:   £3000

  • Fee charged @ 25%    £750

  • Client receives            £2250

 

4. DOCUMENTATION AND DISCLOSURE

 

You must provide all documents which you may have and information such as medical evidence, evidence to support a claim for lost earnings or future lost earnings, the Police reference number etc. which may assist in the preparation of the claim. You may also be required to provide proof of your identity and/or proof of address as required. You must complete all documentation and disclose all relevant information which is pertinent to your claim in a truthful manner, which is accurate to the best of your knowledge. You may be required to complete additional forms and information for the purpose of proceeding with the claim.

 

5. THE RISKS OF MAKING A CLAIM

 

The procedure outlined in this document is intended to minimize the risk of making a claim. In the normal course of events, if the claim is not pursued, there is nothing for you to pay as any liability for fees only arises upon a successful outcome; however, there are circumstances where risks may exist. You, therefore, acknowledge that the following risks are involved in making a claim:

 

(i) That you may lose your case or your case may be closed due to lack of evidence.

(i) A payment will not be made to you if, at the time you apply, you have an unspent conviction for an offence.

(i) If you are on means-tested benefits, the compensation received may have an impact on these benefits.

(i) Criminal Injuries Compensation Authority might reduce your payment if you have unspent convictions unless there are exceptional reasons not to do so.

(i) The review decision can be more or less favourable than the original decision, or the original decision may be unchanged. It is important that you understand that while a possible outcome of a review is that you might get a bigger payment, it is also possible that you will get a lower payment or no payment at all.

 

6. REGULATORY BODIES

 

LEXLITUS LTD is regulated by the Claims Management Regulator in respect of regulated claims management activities; its registration CRM43308 is recorded on the website www.gov.uk/moj/cmr

 

7. CONCERNS ABOUT OUR SERVICE

 

LEXLITUS LTD operates an internal complaints procedure for the resolution of complaints regarding services provided by our claims management department. In the event that you have a complaint about the service which we provide, please write to Complaints Department: Lexlitus Ltd. 55 Kents Road, Stantonbury, Milton Keynes, MK14 6BA.

Alternatively, you may register your dissatisfaction via email to complaints@lexlitus.co.uk, or via the telephone on 07391 170999. We will acknowledge your complaint in writing or electronically within 5 working days and advise you on how we plan to resolve your concerns at the earliest opportunity. A copy of our Internal Complaints Procedure can be found in our Customer Information and is also available upon request.

If you remain dissatisfied, you may refer your complaint to the

Legal Ombudsman, PO Box 6806,

Wolverhampton, WV1 9WJ.

Email: enquiries@legalombudsman.org.uk

Telephone: 0300 555 0333

 

8. TERMINATION

 

8.1 You may terminate this agreement with LEXLITUS LTD. in writing at any time. Upon signing this agreement, you will have 14 days to cancel the agreement without any consequence or charge. This process is known as ‘cooling off’, and where LEXLITUS LTD are instructed to do so, they will acknowledge that the agreement has been terminated in writing. If terminated after the cooling off period our rate is £50 per hour, our letters and telephone calls are charged at £10 per letter or call whether outgoing or incoming.

 

8.2 In some cases, LEXLITUS LTD may decide that they are unable to continue to act for you. Examples of where this may occur are: if LEXLITUS LTD cannot obtain clear instructions from you; if they believe that they will not be successful in your claim, or; if they have been given misleading instructions or information from you.

 

9. AGREEMENT

 

This agreement will be effective from the date that you sign it. By signing (below) you agree to be bound by these terms and conditions until such a point that the agreement is terminated or your claim is brought to a final conclusion. If you have any queries relating to these terms and conditions then please contact us on 07391 170999 before signing.

 

10. CHANGE OF TERMS AND CONDITIONS

 

We may change our Terms and Conditions at any time. Changes will be updated on our website, and therefore recommend you check it from time to time to ensure you are referring to the current Terms and Conditions. Existing clients will be notified of the changes via e-mail or if they do not use one – by post. Your continued use of our website, following the posting of any changes, indicates your acceptance of such changes.

 

11. INDEPENDENT ADVICE

 

You have a right, and we encourage you to seek further advice and/ or to shop around, we advise you to obtain independent legal advice before signing this contract as a matter of priority.

Criminal Injuries Compensation Authority provides free of charge information and guidance

Alexander Bain House
Atlantic Quay
15 York Street
Glasgow
G2 8JQ

Tel. 0300 003 3601

 

RELIANCE ON WEBSITE 

 

We endeavour to only host or publish accurate content on the Website but in some cases, it may be incorrect, incomplete or out of date. If we are notified or made aware of any material errors in any of them in the information on the Website we will make best endeavours to correct or remove the information. If you would like to notify us of any error contained on the Website please email us on info@lexlitus.co.uk

 

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Registered in England No. 10669936 Registered Office Address: Kemp House, 160 City Road, London, United Kingdom, EC1V 2NX

LEXLITUS LTD is regulated by the Claims Management Regulator in respect of regulated claims management activities;

its registration CRM43308 is recorded on the website www.gov.uk/moj/cmr

© 2018 LEXLITUS

Milton Keynes Office Address: Lexlitus Ltd. 55 Kents Road, Stantonbury, Milton Keynes, MK14 6BA