No Win No Fee Legal Services

What is no win, no fee?

There is no financial risk to you.

We are specialists in our selected fields and will take on your case with no financial risk to you getting you the compensation you deserve. Even if your claim is unsuccessful, you will not have to pay a fee and with no upfront costs, it’s a great way to access our legal services.

It is important to seek professional advice before starting a pension claim to ensure that your case is handled effectively and ensure you have the best chance of success.

What types of claims do we offer on a no win, no fee basis?

Pension Compensation Claims – Average Claim Value – £62,378

If you were advised to move a pension or to consolidate all your pensions into one place, then you may be due financial redress or compensation either because of fees you have paid, investments you have made or poor service you have received.

Investment Claims – Average Claim Value – £31,679

If you were advised to make an investment which lost money then it is possible that the investment was not suitable for you and should not have been recommended to you in the first place. If it is the case that you were advised into an unsuitable investment, then our team will help you get the cash compensation you deserve.

Financial Adviser Claims – Average Claim Value – £4,278

Financial advisers charge fees for the services they provide and have a duty of care to their clients.
Some financial advisers however have received complaints for negligence whether this is making unnecessary changes in order to justify charging more fees, not providing services that they have been charging for such as ongoing advice fees, investing into high-risk investments that were not suitable for their clients and even creating tax liabilities for their customers.

Business Energy Claims – Average Claim Value – £12,342

If businesses have used a broker in the last 10 years when sourcing their business energy contracts then it is likely the price they paid for the gas and electric had a built in commission which was not disclosed in the energy providers contracts.
These charges often inflated the price by 25% or more and can equate to millions of pounds for overcharging, dependent on the size of the energy bills.
We manage claims directly against the energy provider (not the broker) in order to get cash compensation for the business.

Tax Compensation Claims – Average Claim Value – £17,369

If one of our clients has a tax liability as a result of entering into a tax wrapper such as a bond, trust or any other schemes and they were advised by a regulated individual like a financial adviser or accountant then we will make a complaint against the regulated party and fight for financial redress for our client.

Car Finance Claims (Personal Contract Purchase) – £6,238

The majority of vehicles in the UK are purchased using Personal Contract Purchase otherwise known as Hire Purchase Finance.
These secured finance agreements are sold by the showrooms and garages and are often not fully explained.
Most people buying a car are not experts in finance and are focused on buying the car they want and therefore would not be aware that often the cost of finance (the interest rate) was increased in order to increase the commission for the person selling the vehicle. These commissions were also not disclosed.

As the regulated credit provider this responsibly falls on the finance company whether it is VW Finance, Mercedes Finance, BMW Finance or even small finance companies who specialise in sub-prime loans.

If you have purchased a car using finance before 2021 then all we need is a copy of your credit agreement to calculate what money could be due back to you.

NB: All average claim valuations are accurate as of the 1st February 2024.

How does a no win, no fee claim work?

We understand that claims can be quite complex and a little daunting to undertake so we aim to make this as straightforward as possible.

If you think you may have a case, then just give our claims experts a call on 0161 808 0142 or email and we can help establish if you have grounds for a claim.

Our straightforward claims process means we deal with all the paperwork and pursue all the relevant parties on your behalf.

We will work to ensure you receive the maximum compensation possible in the shortest possible time.

If the case is successful, we will receive a percentage of the final settlement amount as a fee. This is known as a “success fee” or a “contingent fee agreement”. If the case is not successful, then you will not be required to pay any fees.

We may incur direct costs on your behalf for disbursements such as court fees, expert witness reports and after the event insurance. These costs are covered by HT Legal Ltd and are all included as part of our contingent fee agreement.

Our contingent fees are a percentage of the total claim awarded. The total fees you pay will never exceed the percentage that we have agreed with you.

Should I make a claim?

If you believe you are entitled to a claim, it may be worth exploring the process. It is important to gather any relevant documentation or evidence you may have to support this. Ultimately, the decision to make a claim is up to you and will depend on your individual or company circumstances.

If you have been advised to transfer any pension scheme in the last 10 years then it costs you nothing to establish whether you may be entitled to Pension Compensation or Financial Redress as a result of poor financial advice, investment advice or negligence.

If you believe that you have been unfairly denied pension compensation or are owed compensation for a Financial Adviser or Investment Claim, such as mis-selling or mismanagement of funds or if you have purchased a car using finance before 2021 then it is worth considering making a claim.

Likewise, if you are a business who have used an energy broker in the last 10 years then it will cost you nothing to explore whether you are due compensation.

We can help guide you through the process, provide legal representation, and help you understand your rights and options.

Ultimately, the decision to make a pension claim is a personal one that should be based on the specific details of your situation and whether pursuing a claim is likely to result in a positive outcome for you.

Can I make a no win no fee claim?

In some cases, you may be able to make a no win no fee pension claim, car finance claim, financial adviser claim or business energy claim. This type of arrangement means that you will not have to pay any legal fees upfront, and we will only take a fee if your claim is successful.

Claims process

If you believe that your pension, investment, car finance or business energy has been mis-sold to you, you may be able to make a claim for compensation. The process for making a mis-sold pension claim typically involves the following steps:

  1. Initial Consultation
    We offer a free consultation by phone to help establish your grounds for claim.
    We specialise in Financial Adviser Claims, Pension Compensation, Investment Claims, Car Finance Claims and Business Energy Claims and can therefore help you identify the quickest and most effective grounds for you to claim compensation or financial redress.
  2. Gather Evidence
    We will collect any documentation from you such as contracts, statements, and communications.
    If you do not have the information, as regulated solicitors, you can appoint us to collect this information on your behalf.
  3. Submit your complaint
    We will submit a formal complaint to your pension provider, financial adviser, car finance provider or business energy adviser outlining the reasons why we believe you are entitled to compensation or financial redress.
  4. Await response
    We will provide regular updates and chase your claim through to a final response. If we are unhappy with the response, we will pursue a claim with your pension provider and through the Financial Ombudsman Service or the Financial Services Compensation Scheme as appropriate and if required escalate your claim to a formal tribunal which means representing you in court.
  5. Acceptance of Offer
    Once you are satisfied with the level of compensation or financial redress we will claim the reward and distribute the funds to you via our client account.

It is important to note that the process for making any claim, whether it is for a mis-sold pension, mis-sold car finance agreement, mis-sold investment, or mis-sold business energy contract, can be very complex and will take time to reach a conclusion.

We will endeavour to navigate the process effectively to achieve the maximum level of compensation or financial redress as quickly as possible.

Starting a claim

To start a claim, you should follow these steps:

  1. Gather Information
    Collect all relevant documents related to your claim, including statements, contracts, correspondence, and any other relevant information that supports your claim.
  2. Identify the Issue
    Speak to us to determine the specific issue or reason why you believe you have a claim. This could include mis-selling, mismanagement, negligence, or other types of wrongdoing.
  3. Seek Professional Advice
    We assess your case and will help you understand your rights, and advise you on the best course of action.
  4. Lodge a Complaint
    We will formally lodge a complaint outlining the reasons for your claim. Making sure to include all relevant information and documentation to support your case.
  5. Follow the appropriate Complaints Procedure
    There is a complaints procedure in place that we must follow. We will investigate your claim and ensure responses are within the specific timeframe.
  6. Wait for a response
    We will investigate your complaint and provide updates. We will pursue a claim with your provider and through the Financial Ombudsman Service or the Financial Services Compensation Scheme as appropriate.

Free Consultation

Our free consultation is an informal chat where we offer our expertise and advice on your specific situation at no cost to you. During our free consultation, we will listen to your concerns, ask questions to understand your needs, and provide guidance on potential solutions or next steps you can take.

Our free consultation is designed to help potential clients like you understand your options and determine if our services are a good fit for your needs. It also allows you to get a sense of our knowledge, experience, and approach before committing to our services, and it gives us an opportunity to assess your situation and provide an initial assessment.

It’s important to note that a free consultation does not necessarily mean that we will take on your case or provide ongoing services for free. It is typically a brief meeting or discussion to evaluate your needs and determine how we may be able to assist you moving forward.