Mis-sold Packaged Bank Accounts

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1 D N MANLEY CLAIMS MANAGEMENT & FINANCIAL SOLUTIONS Mis-sold Packaged Bank Accounts Let's start getting your money back Thank you for requesting your Packaged Bank Account (PBA) claim pack. A PBA is a Bank account that costs up to 40 per month for extras, such as mobile phone and travel insurance. The Financial Conduct Authority (FCA) has identified major problems with these accounts and the way they were sold. There have been over 10 million PBAs sold in the UK, many of which have been identified as being mis-sold. These are some of the reasons for a mis-sold PBA O You have been sold the account without your full knowledge and understanding of all the features and costs; O You have pressured to 'upgrade' from a standard free Bank account or switch to a more expensive PBA; or O You have been sold an account with extras that are not suitable for your circumstances. For example, breakdown cover when you don't drive or travel insurance you could never claim on due to age restrictions. A VERY simple claim process All you have to do to make a claim through DN Manley Ltd is to follow the 3 simple steps below, relax and let us do all the work. Read and accept the Terms and Conditions on the reverse of this letter and 1 retain them for your records. 2 Complete the 4 forms: 2 Letters of Authority, 1 Questionnaire and sign/date the forms where required. 3 Post these forms back to us at the address below, and leave the rest to us. Send to: D N MANLEY Ltd Trafford House Manchester, M32 ORS No Win, No Fee There is no up-front fee for our service. You only pay our fee of 25% of the total compensation offered if we successfully recover your money. If we fail to gain any compensation, you pay nothing at all.* Fee payable if case is not pursued at client's request. DN MANLEY Ltd Registered address Trafford House Manchester, M32 ORS Company registration No: Tel: ICO registration No: Z D N Manley Ltd is regulated by the Claims Management Regulator in respect of claims management activities Authorisation No. CRM21957 VAT No:

2 Claims Management PBA Terms and Conditions Please read carefully Introduction We want your decision to use D N MANLEY Ltd to be the right decision for you. We are committed to providing a professional, simple and easy to use service. We aim to be completely transparent in all our dealings with you and these Terms and Conditions explain our obligations to you and yours to us. They are at the heart of our relationship, and our contract with you. Please read them carefully and retain for future reference. 1. By signing and returning the Letter of Authority and the claim application pack, you: 1 1 Accept these Terms and Conditions and enter into a binding contract with D N MANLEY Ltd; 1.2 Confirm that all the information and documents you provide to us are true, accurate and complete to the best of your knowledge and belief, We hope you are happy with our service, but if you have reason to canplain. please write to: DN MANLEY, Trafford House, Manchester, M320RS. A copy of our canplaints handling procedure is available both on our website or by request. Definitions D N MANLEY. is a limrted liability company and a third party claims handler, regulated by The Claims Management Regulator in respect of regulated daims management activities, 1.3 Agree to pay our Fee for any additional claims identified with your Bank as part of our investigation which have been identified and for which you have gained Compensation; 1.4 Agree that we will invoice you direct for the Fee which will be payable to us within 30 days. If this Fee is not paid by the deadline on the invoice, you agree we may commence debt collection proceedings without further notice to you to recover our Fee and associated recovery costs. The Fee and recovery costs are a debt jointly and severally owed by you to us; Authorisation No. CRM21957, and registered in England and Wales with number Agree to pay back to us any monies property incurred by us in seeking legal having its registered office attrafford House, Manchester, M32 ORS. enforcement of theseterms and Conditions; "Services" means the work carried out by us including assessing the viabilrty of, preparing, submrtting and negotiating your daim(s) and negotiating payment of compensation or any other remedy or relief to your claim(s). "Compensation" means (but is not limited to) any one or a combination of the follc:n,,jng: a cash refund paid directly to you; a reduction of your credit balance (the Bank may offset the compensation against an existing debt you have wrth them); a reduction in your arrears, Debt Management Plan (DMP) or Individual Voluntary kjreement (rv A) you have with the Bank. "Fee" means the fee payable to D N MANLEY Ltd for Services being 25% of any offer of Compensation offered to you or to us on your behalf. For example, if we obtain an offer of 1,000 Compensation, our fee would be 250. Example A: Example B: Example C: All compensation is Compensation includes Compensation is used "cash in hand" "cash in hand" award to off set arrears with a reduction of any consumer has on existing debt with the credit card or loan with Bank the Bank Total Compensation: Total Compensation: Total Compensation: 3,000 3,000 3,000 Of which cash is: Of which cash is: Of which cash is: 3,000 1,000 0 Debt reduction is: 2,000 3,000 Set off arrears: Fee Charged at 25%: Fee Charged at 25%: Fee Charged at 25%: VAT 20% VAT 20% VAT 20% Total fee: Total fee: Total fee: Consumer Receives: Consumer Receives: Consumer Pays: Will still be liable for our Fee if any reasonable offer of Compensation is rejected by you; 2. DN Manley Ltd will: 2.1 Rely on the information and documents provided by you to us as being true, accurate and complete. 2.2 Use our reasonable endeavours to obtain Compensation for the claims which are pursued. 2.3 Promptly notify you if any daim is not to be pursued, acting reasonably in taking any such decision. 2.4 Promptly notify you of the outcome of the claim(s). 3. Cancellation terms 3.1 You have 14 days (starting from the date you sign the Letter of Authority) to cancel. Cancellations are to be submitted in writing to: Cancellations,Trafford House, Manchester. M32 ORS. 3.2 If you cancel the contract after these 14 days we reserve the right to make a reasonable charge for the won< undertaken in pursurt of your daim. 3.3 If we start your daim but you do not supply all the information requested this will be deemed as a contract cancellation outside the first 14 days and we reserve the right to make a reasonable and proportionate charge for the won< undertaken in pursuit of your claim. The charge is based on a rate of thirty pounds per hour. 3.4 If you withdraw a claim prior to Compensation being paid, but after the claim has been lodged by us and upheld by the company, you will remain liable for the Fee, irrespective of whether you choose to use another claims management company. 3.5 If you independenuy acoept Compensation based on a daim lodged by us and upheld by the company you will remain liable for the Fee as long as you are under contract wrth D N MANLEY. 3.6 If you have made a previous application for a claim submitted by us and you do not supply information or all correspondence in relation to this claim, you will remain liable for the administration Fee irrespective of the outcome. 4. Governing Law 4.1 This contract is subject to the laws of England and Wales. Declaration INve confirm that VWe have read and accept the Terms and Condrtions and by signing the Letter of Authority confirm acceptance of them and wish to enter into a binding contract with D N MANLEY Ltd to act on my/our behalf. (and no reduction) (and a reduction of (and a reduction of 2,000 on debt with the 3,000 on debt with the Bank) Bank) "us" and ''we" means D N MANLEY Ltd or anyone to whom we transfer our obligations and rights under this agreement. ''you" means you, the person(s) entering into this agreement. "Bank" means Bank or building society

3 D N MANLEY CLAIMS MANAGEMENT & FINANCIAL SOLUTIONS For office use only [ Letter of Authority This document will be sent to your provider to inform them that you give D N MANLEY Limited authority to act on your behalf. It needs to be completed and signed by you and any additional account holder where applicable. Customer Information Your full name (including title) Your date of birth Joint account holders full name (including title) Joint account holders date of birth Your current address r Your address at time of opening the account (if different) r Postcode Bank (Lloyds, NatWest, Barclays etc) Postcode [ Account number Sort code [.._J To whom it may concern 1. I/We authorise D N MANLEY Ltd to act on my/our behalf in pursuing my/our complaint(s) in relation to the above bank account. 2. I/We authorise D N MANLEY Ltd to make a Data Subject Access Request on my/our behalf, in respect of any accounts I/we have or have had with the above bank. 3. I/We confirm that I/we have read and accept the D N MANLEY Ltd Terms and Conditions and have a contract with D N MANLEY Ltd. 4. I/We give D N MANLEY Ltd full authority to make a complaint/ claim on my/our behalf and have expressly instructed that all communications and correspondence must be direct with D N MANLEY Ltd. Please sign and date in the boxes below Account holder's signature ] Date [ I/We acknowledge that I/we could pursue this complaint/claim against the company myself/ourselves without the involvement of D N MANLEY Ltd but that I/we have instead opted to engage D N MANLEY Ltd whose fees will be recoverable from me/us. 6. I/We authorise D N MANLEY Ltd to refer the complaint/claim to the Financial Ombudsman Service if it is believed to be in my/our best interest. This authority will endure until further notice and a copy of it will have the same validity as the original. Joint account holder's signature J Date [ DN MANLEY Ltd Registered address Trafford House Manchester. M32 ORS Company registration No: Tel: registration No: Z O N Manley Ltd is regulated by the Claims Management Regulator in respect of claims management activities Authoflsation No CRM21957 VAT No

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