Mis-Sold Payment Protection Insurance (PPI) Claims Pack

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1 Mis-Sold Payment Protection Insurance (PPI) Claims Pack Debt Clear Solutions is delighted to enclose an information and application pack that will enable us to reclaim any mis-sold Payment Protection Insurance (PPI) on your behalf. Do You Have A Valid Claim? Have you had a Loan, Credit Card or Car Finance with PPI in the last 6 years? Have you had a Mortgage or Re-Mortgage with PPI in the last 12 years? If the answer is YES, you may have been mis-sold the insurance policy, and could be eligible for compensation. Even if you have paid back the Loan or Mortgage, or cancelled the payment protection insurance during this time, you may still be entitled to compensation Debt Clear Solutions will manage all aspects of the claim on your behalf using our knowledge and experience to achieve the best result for you. All you need to do is complete and sign the forms enclosed, and then sit back and let us do all the work. What You Need To Do Next: 1. Read all the documentation you have been sent. 2. Fill out a Form of Authority for each Loan/Credit Card/Mortgage you have PPI with. 3. Fill out a Form of Authority for each potentially mis-sold PPI policy you wish to claim for. 4. Fill out your Contact Details. 5. Fill out a Questionnaire and sign the Statement of Truth for each potentially mis-sold PPI policy you wish to claim for. 6. Sign the Terms and Conditions. You need only sign one copy regardless of how many claims you are making. Please retain the client copy for your records. 7. Post your completed forms to Debt Clear Solutions Ltd, 501 International House, 223 Regent Street London W1B 2QD Who is Debt Clear Solutions? Debt Clear Solutions Ltd is claims management company regulated by the Ministry of Justice in respect of regulated claims management activities. Debt Clear Solutions is also registered for Data Protection to ensure all of your information is safe and secure and will not be passed on to any third party without your permission. Regulated by the Ministry of Justice in respect of regulated claims management activities. Auth. : CRM15623

2 Form of Authority Account Holder Name (1) Address: Post Code: Telephone Number: Account Holder Name (2) Address: Post Code: Telephone Number: Agreement Type (tick box) Loan Credit Card Mortgage Name of Lender (Credit Card/Loan/Mortgage): Lender s address (if known): Loan / Credit Card / Mortgage Account : Loan / Credit Card / Mortgage: Start End I/we further authorise and insist that you the firm and/or licensee(s) release to Debt Clear Solutions Ltd, (the company), any information that may be requested including, but not exclusively, information under Section 77/78 of the Consumer Credit Act 1974, and all data requested via a Subject Access Request. These requests may be in writing, by telephone, , fax or as directed, in accordance with the Rights of Data Subjects and Others under the Data Protection Act Please be advised that any wilful failure to comply with this or any other subsequent instruction made by the company acting on my behalf, whom I/we have legally contracted, within the legal requirements as set out by the Compensation Act 1998, the Enterprise Act 2002 and Articles 81 & 82 of the EC Treaty may leave you, the firm or licensee(s), open to legal recourse. Signed (1) Date of birth Signed (2) Date of birth Print: Print: Regulated by the Ministry of Justice in respect of regulated claims management activities. Auth. : CRM15623

3 Letter of Authority Loan/Credit Card/Mortgage Lender:. Loan/Credit Card/Mortgage Account :.. Insurance Policy Provider (if different from lender):.. Insurance Policy : Authorisation to Debt Clear Solutions: - I / We authorise Debt Clear Solutions to act on my / our behalf in pursuing my / our Claim in respect of advice received from and / or sales made by the Company relating to the above policy / policies. I / We give Debt Clear Solutions full authority to pursue the Claim to the Financial Ombudsman Service if this is believed to be in my / our interest. Instructions to the Company: Please take this letter as my / our instruction to you, the Company, to deal directly with Debt Clear Solutions in respect of the Claim and to provide them with any information they request and require to pursue my / our Claim. I / We acknowledge that I / we could pursue this Claim against the Company myself / ourselves without the involvement of Debt Clear Solutions, however, I / we have instead opted to engage Debt Clear Solutions whose fees will be recoverable from any compensation paid to me / us from the Company. Redress / Compensation - This letter constitutes a full assignment by me / us to Debt Clear Solutions of my / our entitlement to any compensation or other monies agreed or awarded to me / us. Such monies will be paid to me by Debt Clear Solutions less their fees for the service carried out by them on my / our behalf. I / We hereby instruct you to pay any award of compensation to Debt Clear Solutions who will hold the money on my / our behalf. The award is to be paid to: Debt Clear Solutions Ltd. Instructions to 3rd Party - In the event that you may need to contact a 3rd party to progress my / our claim for any reason, I / we give our full authority and consent for the 3rd party to provide the Company and Debt Clear Solutions with any and full information they request to pursue the Claim. Declaration of Truth - I / We have read and accept Debt Clear Solutions Terms and Conditions and give them full authority to make a Claim on my / our behalf. I / We confirm that the information in this letter and any additional forms is correct and accurate to the best of my / our knowledge, and is also a true account of my / our memories of events at the point of sale by the Company. Full Name(s) (no initials please) Policy Holder 1 Policy Holder 2 Correspondence Address (including post code) Date(s) of Birth Signature Date Regulated by the Ministry of Justice in respect of regulated claims management activities. Auth. : CRM15623

4 Full Name(s) (no initials please) Policy Holder Contact Details Policy Holder 1 Policy Holder 2 Correspondence Address (including post code) Home Tel : Mobile Tel : Address: Payment Protection Insurance Questionnaire Loan or Policy Provider: Start Date.. Expiry Date Still Active: / Account /Policy :. PPI Premiums: Monthly / Annually / Single Check List (Please Circle your answer. Y / N) 1. Were you told the terms and conditions and did you understand them? 2. Were you told you had to have PPI cover to get your loan/credit card/mortgage? 2. Did they say that the PPI was optional? 4. Was the PPI cover added to your loan/credit card/ mortgage without your prior knowledge? 3. Was the full cost of the PPI policy explained to you? 4. Were you told that there are other policies available elsewhere on the open market for less than the price you were going to pay? 5. Were you asked if you had any other arrangements to cover any redundancy, accident or illness? 6. When you took out your loan/credit card/mortgage, were you told that the payment protection insurance was included? 7. Were you asked whether you had existing protection to cover redundancy, accident or illness? 8. Were you advised that PPI would not cover you if you were self-employed or had a pre-existing medical condition or if you were over a certain age? 9. At the time of taking out the policy were you asked any questions about your medical history? Regulated by the Ministry of Justice in respect of regulated claims management activities. Auth. : CRM15623

5 Questionnaire continued: 10. At the time of taking out the policy did you have any existing medical conditions? (such as a bad back or mental illness) that had previously stopped you from working? If YES, then please provide details in additional information box over the page. 11. If so, were you informed by the advisor that if you suffered with the same condition again it would probably not be covered by the insurance? 12. Are you currently making a claim for benefits on the policy? 13. If you ever claimed against the policy in the past, was it successful? 14. Have you previously complained to the policy provider? If, please provide copies of your complaint and the firm's response. 15. When you took out the loan/credit card/mortgage, what was your employment status? 16. Were you advised by the broker or your lender that a commission might be paid to or by them for arranging the policy? Statement Of Truth I / We believe all information given is true and accurate to the best of my / our knowledge. Policy Holder 1 Policy Holder 2 Employed (Full Time) Employed (Part Time) Unemployed Self Employed Fixed Term Contract Retired Additional Information: Please provide any comments that may be relevant to your claim. Regulated by the Ministry of Justice in respect of regulated claims management activities. Auth. : CRM15623

6 Terms & Conditions (Sign & Return to Debt Clear Solutions Ltd) This sets out the terms and conditions of our agreement. There are two identical copies of this agreement, one for you to keep and one to sign and return to us. 1. For the purposes of these Terms and Conditions: References to we, us and our are Debt Clear Solutions ( the Company ). References to you and your refer to the person or persons having used the services of the Provider ( the Client ); Compensation Payment means the amount of compensation / refund of premiums, or redress payment agreed to be paid by the Provider and includes any refund of interest. Letter of Authority means the letter to be signed and returned by yourself to the Company in order to authorise the Company to act as your representative in all dealings in respect of your claim against the Provider and confirming acceptance of these Terms and Conditions Provider means any bank, building society, credit card, mortgage company or any other company offering financial services for whom we will act on your behalf. Fee means the percentage amount due to the Company from any and all successful claims for, or refunds of, charges made against the Provider on the accounts on or after the date of the engagement of the Company. Additionally, the fee will include an appropriate proportion of any and all interest elements negotiated between any party and the Provider. 2. What Debt Clear Solutions will do for you: We will use all reasonable endeavours to pursue an application for compensation from the Provider on behalf of the Client where the Company believes that the claim has merits. We offer our service on a no win no fee basis. We will correspond with your Bank, Credit Card Company, Endowment Policy issuer, Store Card or other financial services provider, although occasionally we may need you to sign/complete certain documentation. We will evaluate the compensation offered to you and let you know if we think the sum put forward is fair. We will handle complaints made about our own service fairly and promptly, in line with appropriate industry regulations and guidelines. At our discretion, we will pursue your claim through the Financial Ombudsman Services, the Financial Services Compensation Scheme or the law courts. 3. What Debt Clear Solutions will not do: We will not advise you to pursue a claim, which in our opinion has no chance of success. We will not give you financial advice. We make no representation or warranty to the Client that compensation will be obtained or is in any way guaranteed. 4. What we expect from you: To be open and honest in response to our queries. To provide us with all relevant information we request so that we can pursue your claim. To ensure that all information sent to the Company is accurate, not misleading and shall not contain any relevant omissions. To provide us with authority to request all information and enter into all negotiations on your behalf on an exclusive basis. To authorise the Company to act on your 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. When an offer for compensation is obtained from a Provider on behalf of the Client, which in the opinion of the Company is both fair and reasonable, but is rejected by the Client then the Company reserves the right to charge a fee not exceeding the amount of the fee which would have been payable in the event the Client accepted the offer in line with the Company s advice. To authorise the Company to negotiate on the merits of the Client s claim. To authorise the Company to accept the claim for compensation on behalf of the Client. To accept these terms and conditions as binding on the Client and to be responsible to the Company for any breach. t to appoint any other person, firm or Company to provide the services for which we have been engaged. t to carry out the services personally including for this purpose having contact with the Financial Ombudsman Service. To immediately copy to the Company any correspondence s/he receives from any appropriate third party involved in any claim being handled by the Company. t to accept any offer of compensation, either verbally or in writing, made directly by any third party without the Company s knowledge. To promptly notify the Company of the full names of all joint policy holders. To promptly pay any fee upon request and no later than 10 days after you receive your compensation or if you have no intention of accepting the offer after we have recommended that you do so, 10 days after our recommendation. 5. Our Fees: You will pay any balance of fees in connection with any claims within 10 days of receipt of your compensation. All sums due from the Client which are not paid on the due date (without prejudice to the rights of the Company under this contract) shall bear interest from day to day at the annual rate of 2% over the prevailing base lending rate of Lloyds TSB Bank. The liability for the Client to pay the fee and any other charges that may be payable by the Client under these terms and conditions is joint and several. Our fee is 30% of the total compensation payment claimed. Where the claim for compensation payment exceeds One Thousand Pounds, the Fee will also include 30% of any interest claimed. Where the compensation payment claimed does not exceed One Thousand Pounds the Fee will include any and all interest claimed on behalf of the Client. I/We authorise Debt Clear Solutions to take payment from my active card in respect of all fees due. I/We understand that payment will be taken out 10 days after the issue of our invoice. 6. Debt Recovery: In the event the Company takes steps to recovery any service charges due and unpaid by the Client to the Company, the Client shall pay to the Company a recovery fee of 100 plus VAT in addition to any other amounts due. Failure on the part of the Client to make punctual payments of all sums due to the Company under the terms of this contract will result in interest being added. The Client undertakes that it will at all times keep the Company indemnified against all costs and expenses incurred by the Company, including but not limited to, Court fees, interest and administrative fees in recovering from the Client any fees due and unpaid from the Client to the Company. 7. Duration The contract shall commence on the date on which the Client s signed copy of these Terms and Conditions has been received by the Company and unless earlier terminated as provided below shall continue until compensation is recovered for the Client by the Company; or the Company advises the Client that it is unable to recover compensation, or the Company exercises its right not to pursue a claim for compensation, but this is without prejudice to any rights the Client may have to make a claim. Regulated by the Ministry of Justice in respect of regulated claims management activities. Auth. : CRM15623

7 8. Canceling this agreement We can cancel this agreement at any time and no fee will be payable by you if: a) We think there are no grounds for a complaint; or b) We think your claim is unlikely to succeed. The Company shall additionally have the right to terminate the contract by giving written notice to the Client and at any time to immediately terminate the contract if: a) There occurs any material breach by the Client of any term of the contract which is irremediable or if remediable, is not remedied to the Company s satisfaction within 15 days of a written notice by the Company specifying the breach and requiring it to be remedied; b) The Client is adjudicated bankrupt or enters into any Voluntary Arrangement with creditors which may or may not include the Provider; or c) The Client does not follow any recommendations of the Company. The Client shall have the right to terminate the contract by giving written notice to the Company within 14 days of signing the contract. Where cancellation occurs after 14 days from commencement of the contract, The Company reserves the right to make a cancellation charge which will reflect the work undertaken by it in pursuit of your claim. This could be anything up to our full fee plus VAT at the time. If we have received an acceptance of liability or an offer of compensation, the charge will be the equivalent to 25% plus VAT of the acceptance or offer amount. The Client will be liable to the company to reimburse any and all court or solicitors fees incurred prior to cancellation. Cancellation of the agreement must be done in writing. 9. Performance The Company shall not be liable for any loss, damage or expense arising from any delay in the performance of any services from whatever cause nor shall any such delay entitle the Client to repudiate the contract. 10. Liability The Company s liability in respect of the services is to provide the same with reasonable skill and care. The liability of the Company to the Client in contract, tort (including negligence for breach of statutory duty) or otherwise howsoever under or in connection with the contract shall be limited as follows: For death or personal injury resulting from the Company s negligence, no limit shall apply; The Company shall have no liability for any consequential loss or damage suffered by the Client under or in connection with the contract occasioned by any act or omission on the part of the Company, whether directly or indirectly. 11. Force Majeure The Company shall not be liable for any delay or other failure to perform any services by reason of any cause whatsoever beyond its reasonable control and the time for performance shall be extended by the period of any such delay. 12. Confidentiality The subject matter of the contract and any information acquired by either the Company or the Client pursuant to the contract is confidential and saved in accordance with the Company s privacy policy neither the Company nor the Client Decla ra tion Terms & Conditions Continued Client shall, without prior written consent of the other party make any use or disclosure thereof except for the purposes of the contract save to the extent such information is or becomes publicly available otherwise than in breach of the foregoing obligations. 13. Privacy Policy and Data Protection All personal data will be held in accordance with the terms of the Company s privacy policy. All data is held in accordance with the provisions of the Data Protection Act We may disclose your information to other companies as the needs arise during your claim, or other companies within our organisation or with whom we have business relationships. By providing your personal information you explicitly authorise us to process your information. If you provide information to us about another party you confirm they consent to us processing their personal information and that you collected the information on their behalf. You can request a copy of the information we hold about you at any time. 15. Misleading Information The Company reserves the right to charge the Client an administration fee if any information provided by the Client is misleading or contains material omissions which result in the Company providing the service to the Client, which it would have declined to do, if it had been in possession of the full information. 16. Assignment and Sub-Contracting The Company reserves the right to assign the contract and all rights under it and to sub-contract to others all or any of its obligations. The Client may not assign this contract except to a personal representative of the Client. 17. Rights of Third Parties person other than the Company, any person to whom the Company assigns the contract and the Client shall acquire any enforceable rights under or in connection with the contract. 18. Entire Agreement The contract contains all the terms which the Company and the Client have agreed in relation to its subject matter and supersedes all previous oral or written communications between the Company and the Client and the Company does not authorise the giving of representations on its behalf by any person unless confirmed in writing and signed by a director of the Company. 19. Severability If any provision of this contract is held by any court or other competent authority to be void or unenforceable in whole or part, the other provisions of the contract and the remainder of the affected provisions shall continue to be valid. 20. Variations variation to these conditions shall be binding unless agreed in writing between the Company and the Client. 21. Law & Jurisdiction 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 this contract I/We confirm that I/we have read and understood the above terms and conditions and by signing below confirm acceptance of the terms and conditions of the agreement with Debt Clear Solutions and wish them to act on my/our behalf. I/We authorise Debt Clear Solutions to contact me by SMS, Voice Broadcast, , mail and by telephone to promote other products that they feel may be appropriate to my needs. First Account Holder Second Account Holder Regulated by the Ministry of Justice in respect of regulated claims management activities. Auth. : CRM15623

8 Terms & Conditions (Client Copy) This sets out the terms and conditions of our agreement. There are two identical copies of this agreement, one for you to keep and one to sign and return to us. 1. For the purposes of these Terms and Conditions: References to we, us and our are Debt Clear Solutions ( the Company ). References to you and your refer to the person or persons having used the services of the Provider ( the Client ); Compensation Payment means the amount of compensation / refund of premiums, or redress payment agreed to be paid by the Provider and includes any refund of interest. Letter of Authority means the letter to be signed and returned by yourself to the Company in order to authorise the Company to act as your representative in all dealings in respect of your claim against the Provider and confirming acceptance of these Terms and Conditions Provider means any bank, building society, credit card, mortgage company or any other company offering financial services for whom we will act on your behalf. Fee means the percentage amount due to the Company from any and all successful claims for, or refunds of, charges made against the Provider on the accounts on or after the date of the engagement of the Company. Additionally, the fee will include an appropriate proportion of any and all interest elements negotiated between any party and the Provider. 2. What Debt Clear Solutions will do for you: We will use all reasonable endeavours to pursue an application for compensation from the Provider on behalf of the Client where the Company believes that the claim has merits. We offer our service on a no win no fee basis. We will correspond with your Bank, Credit Card Company, Endowment Policy issuer, Store Card or other financial services provider, although occasionally we may need you to sign/complete certain documentation. We will evaluate the compensation offered to you and let you know if we think the sum put forward is fair. We will handle complaints made about our own service fairly and promptly, in line with appropriate industry regulations and guidelines. At our discretion, we will pursue your claim through the Financial Ombudsman Services, the Financial Services Compensation Scheme or the law courts. 3. What Debt Clear Solutions will not do: We will not advise you to pursue a claim, which in our opinion has no chance of success. We will not give you financial advice. We make no representation or warranty to the Client that compensation will be obtained or is in any way guaranteed. 4. What we expect from you: To be open and honest in response to our queries. To provide us with all relevant information we request so that we can pursue your claim. To ensure that all information sent to the Company is accurate, not misleading and shall not contain any relevant omissions. To provide us with authority to request all information and enter into all negotiations on your behalf on an exclusive basis. To authorise the Company to act on your 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. When an offer for compensation is obtained from a Provider on behalf of the Client, which in the opinion of the Company is both fair and reasonable, but is rejected by the Client then the Company reserves the right to charge a fee not exceeding the amount of the fee which would have been payable in the event the Client accepted the offer in line with the Company s advice. To authorise the Company to negotiate on the merits of the Client s claim. To authorise the Company to accept the claim for compensation on behalf of the Client. To accept these terms and conditions as binding on the Client and to be responsible to the Company for any breach. t to appoint any other person, firm or Company to provide the services for which we have been engaged. t to carry out the services personally including for this purpose having contact with the Financial Ombudsman Service. To immediately copy to the Company any correspondence s/he receives from any appropriate third party involved in any claim being handled by the Company. t to accept any offer of compensation, either verbally or in writing, made directly by any third party without the Company s knowledge. To promptly notify the Company of the full names of all joint policy holders. To promptly pay any fee upon request and no later than 10 days after you receive your compensation or if you have no intention of accepting the offer after we have recommended that you do so, 10 days after our recommendation. 5. Our Fees: You will pay any balance of fees in connection with any claims within 10 days of receipt of your compensation. All sums due from the Client which are not paid on the due date (without prejudice to the rights of the Company under this contract) shall bear interest from day to day at the annual rate of 2% over the prevailing base lending rate of Lloyds TSB Bank. The liability for the Client to pay the fee and any other charges that may be payable by the Client under these terms and conditions is joint and several. Our fee is 30% of the total compensation payment claimed. Where the claim for compensation payment exceeds One Thousand Pounds, the Fee will also include 30% of any interest claimed. Where the compensation payment claimed does not exceed One Thousand Pounds the Fee will include any and all interest claimed on behalf of the Client. I/We authorise Debt Clear Solutions to take payment from my active card in respect of all fees due. I/We understand that payment will be taken out 10 days after the issue of our invoice. 6. Debt Recovery: In the event the Company takes steps to recovery any service charges due and unpaid by the Client to the Company, the Client shall pay to the Company a recovery fee of 100 plus VAT in addition to any other amounts due. Failure on the part of the Client to make punctual payments of all sums due to the Company under the terms of this contract will result in interest being added. The Client undertakes that it will at all times keep the Company indemnified against all costs and expenses incurred by the Company, including but not limited to, Court fees, interest and administrative fees in recovering from the Client any fees due and unpaid from the Client to the Company. 7. Duration The contract shall commence on the date on which the Client s signed copy of these Terms and Conditions has been received by the Company and unless earlier terminated as provided below shall continue until compensation is recovered for the Client by the Company; or the Company advises the Client that it is unable to recover compensation, or the Company exercises its right not to pursue a claim for compensation, but this is without prejudice to any rights the Client may have to make a claim. Regulated by the Ministry of Justice in respect of regulated claims management activities. Auth. : CRM15623

9 8. Canceling this agreement We can cancel this agreement at any time and no fee will be payable by you if: a) We think there are no grounds for a complaint; or b) We think your claim is unlikely to succeed. The Company shall additionally have the right to terminate the contract by giving written notice to the Client and at any time to immediately terminate the contract if: a) There occurs any material breach by the Client of any term of the contract which is irremediable or if remediable, is not remedied to the Company s satisfaction within 15 days of a written notice by the Company specifying the breach and requiring it to be remedied; b) The Client is adjudicated bankrupt or enters into any Voluntary Arrangement with creditors which may or may not include the Provider; or c) The Client does not follow any recommendations of the Company. The Client shall have the right to terminate the contract by giving written notice to the Company within 14 days of signing the contract. Where cancellation occurs after 14 days from commencement of the contract, The Company reserves the right to make a cancellation charge which will reflect the work undertaken by it in pursuit of your claim. This could be anything up to our full fee plus VAT at the time. If we have received an acceptance of liability or an offer of compensation, the charge will be the equivalent to 25% plus VAT of the acceptance or offer amount. The Client will be liable to the company to reimburse any and all court or solicitors fees incurred prior to cancellation. Cancellation of the agreement must be done in writing. 9. Performance The Company shall not be liable for any loss, damage or expense arising from any delay in the performance of any services from whatever cause nor shall any such delay entitle the Client to repudiate the contract. 10. Liability The Company s liability in respect of the services is to provide the same with reasonable skill and care. The liability of the Company to the Client in contract, tort (including negligence for breach of statutory duty) or otherwise howsoever under or in connection with the contract shall be limited as follows: For death or personal injury resulting from the Company s negligence, no limit shall apply; The Company shall have no liability for any consequential loss or damage suffered by the Client under or in connection with the contract occasioned by any act or omission on the part of the Company, whether directly or indirectly. 11. Force Majeure The Company shall not be liable for any delay or other failure to perform any services by reason of any cause whatsoever beyond its reasonable control and the time for performance shall be extended by the period of any such delay. 12. Confidentiality The subject matter of the contract and any information acquired by either the Company or the Client pursuant to the contract is confidential and saved in accordance with the Company s privacy policy neither the Company nor the Client Decla ra tion Terms & Conditions Continued Client shall, without prior written consent of the other party make any use or disclosure thereof except for the purposes of the contract save to the extent such information is or becomes publicly available otherwise than in breach of the foregoing obligations. 13. Privacy Policy and Data Protection All personal data will be held in accordance with the terms of the Company s privacy policy. All data is held in accordance with the provisions of the Data Protection Act We may disclose your information to other companies as the needs arise during your claim, or other companies within our organisation or with whom we have business relationships. By providing your personal information you explicitly authorise us to process your information. If you provide information to us about another party you confirm they consent to us processing their personal information and that you collected the information on their behalf. You can request a copy of the information we hold about you at any time. 15. Misleading Information The Company reserves the right to charge the Client an administration fee if any information provided by the Client is misleading or contains material omissions which result in the Company providing the service to the Client, which it would have declined to do, if it had been in possession of the full information. 16. Assignment and Sub-Contracting The Company reserves the right to assign the contract and all rights under it and to sub-contract to others all or any of its obligations. The Client may not assign this contract except to a personal representative of the Client. 17. Rights of Third Parties person other than the Company, any person to whom the Company assigns the contract and the Client shall acquire any enforceable rights under or in connection with the contract. 18. Entire Agreement The contract contains all the terms which the Company and the Client have agreed in relation to its subject matter and supersedes all previous oral or written communications between the Company and the Client and the Company does not authorise the giving of representations on its behalf by any person unless confirmed in writing and signed by a director of the Company. 19. Severability If any provision of this contract is held by any court or other competent authority to be void or unenforceable in whole or part, the other provisions of the contract and the remainder of the affected provisions shall continue to be valid. 20. Variations variation to these conditions shall be binding unless agreed in writing between the Company and the Client. 21. Law & Jurisdiction 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 this contract I/We confirm that I/we have read and understood the above terms and conditions and by signing below confirm acceptance of the terms and conditions of the agreement with Debt Clear Solutions and wish them to act on my/our behalf. I/We authorise Debt Clear Solutions to contact me by SMS, Voice Broadcast, , mail and by telephone to promote other products that they feel may be appropriate to my needs. First Account Holder Second Account Holder Regulated by the Ministry of Justice in respect of regulated claims management activities. Auth. : CRM15623

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