First Credit Advice Limited First Aid to Your Debts

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1 PRE-CONTRACT INFORMATION TO THE CUSTOMERS ABOUT US First Credit Advice Limited helps customers who are under huge debt problem and/or unfairly over charged by their creditors. We offer innovative advice and solutions which will bring relief from your debt. First Credit advice Limited offers number of tailored debt solutions to our clients according to their needs, circumstances and priorities. We promise to all our clients the fast track process where we will deal with your matter with full loyalty and dedication. We always provide the best and honest advice to our clients and endeavor our best to achieve the best results possible in accordance with the law guidelines on behalf of our client. We are obsessive about helping individuals back on their smooth financial track because our belief is helping people in money matters. WHAT WE DO We offer the following services to our customers; A. DEBT SOLUTIONS 1. Debt Management Plan 2. Negotiating Agreements 3. Individual Voluntary Arrangement 4. Bankruptcy 5. Mortgage Arrears B. FINANCIAL PRODUCTS CLAIMS 1. Payment Protection Insurance 2. Packaged Bank Account 3. Unfair Charges Claims C. ENFORCEBILITY CHECK OF LOANS AND CREDIT CARDS 1. Unsecured Loans 2. Credit Cards / Store Card D. PERSONAL INJURY CLAIMS 1. Road Traffic Accident 2. Accident At Work 3. Medical Negligence 4. Criminal Injury Compensation E. MIS-SOLD INVESTMENT 1. Investment Bonds 2. With Profit Bonds 3. Individual Savings Accounts (ISAs) F. MIS-SOLD MORTGAGES 1 1. Interest Only / Repayment 2. Buy to Let / Residential

2 A. DEBT SOLUTIONS 1. DEBT MANAGEMENT PLAN A Debt Management Plan (DMP) is a plan that helps individuals or households manage their debts when they are unable to maintain their contractual payments to their creditors due to financial difficulties. If you are suffering from financial difficulty and struggling to keep up with your payments, First Credit Advice Limited can assist you by arranging a debt management plan. This will be very beneficial to you as it will enable you to regain control over your finances without borrowing any further money. We shall calculate a realistic budget plan according to your income and expenditure, and liaise with your creditors on an agreed affordable repayment plan. This means that you will be paying your creditors monthly affordable payment through First Credit Advice Limited. Please note the following types of Debts which are covered by this Debt Management Plan: a. Credit Cards b. Unsecured Loans c. Store Cards d. Overdrafts Charges: Our Debt Management plan fees are subjected into two categories:- i. Initial fee: Entire first and second monthly payment. (Initial fee covers all work that is necessary in order to set up a debt management plan) ii. Ongoing monthly fee: 15% of each monthly payment will be deducted as our management fee, subject to a minimum of 25 towards the repayments. Limitations: Creditors could still take enforcement action against you, for example by getting a county court judgment and then an order, which creates a charge on your home, even if you are keeping up with your payments under the plan, unless they agree not to do so and the customer s Credit Rating will be affected. The debt management company cannot force creditors to accept your proposal or freeze interest. A plan is not binding on creditors who refuse to take part in it, but they cannot refuse to accept any payments made to them. 2. NEGOTIATING AGREEMENTS We renegotiate the loan agreements with your lenders on your favorable terms according to your affordability as per the income and expenditure statement you provide. It consists of; a. Reduced Monthly Payments from your income b. Payments from lump sums you receive, for example from an inheritance or from relatives Salient features of negotiating agreements with your lenders to provide you with financial relief include; a. Rationalisation of rate of Interest for short period b. Freezing down the interest on the outstanding balance c. Fixed monthly installment as per the disposable amount d. Reduced settlement in case of lump sums payment Charges: Our charges for negotiating agreements with your lenders are subjected into three categories:- i. For the out standing balance between : plus VAT per case. ii. For the out standing balance between ,999: plus VAT per case. iii. For the out standing balance 10,000 and more: plus VAT per case. 2

3 Limitations: Creditors could still take enforcement action against you, for example by getting a county court judgment and then an order, which creates a charge on your home, even if you are keeping up with your payments under the plan, unless they agree not to do so and the customer s Credit Rating will be affected. Creditors may refuse to freeze interest and charges (but it is always worth asking them to reconsider) 3. INDIVIDUAL VOLUNTARY ARRANGEMENT (IVA) We can refer your case to licensed and regulated under insolvency law as an insolvency practitioner to prepare, negotiate and administer an arrangement for you to voluntarily repay your creditors. This may be done by using your surplus income, a lump sum or other assets that you own. If you have surplus income after meeting your essential household and personal expenses or have assets that can be used to pay your creditors or have access to a lump sum, for example from a relative, you may then consider entering into an Individual Voluntary Arrangement (IVA). By doing this you will protect yourself from recovery action that your unsecured creditors may take, and will usually involve your creditors writing off part of what you owe them. Charges: We will not charge you any fee as your case will be referred to one of our affiliated firms. Limitations: If there is some equity (value) in your home after taking account of the mortgage(s) on it, you will probably have to pay for your share, usually in the fifth year of your IVA, by remortgaging the property. If you cannot get remortgage, you may have to continue making monthly or quarterly payments from your income for up to another year. If your IVA fails you may be made bankrupt 4. BANKRUPTCY If bankruptcy is considered best option for you, we can refer your case to an approved insolvency practitioner. Bankruptcy is a formal court procedure which you can start or which one or more of your creditors owed 750 or more can start. Your assets (with certain exceptions) are sold to help pay your creditors. However, you can usually keep your personal belongings, the contents of your home and your tools of trade (which may include your car) unless they have a high value. If you have surplus income after meeting your essential household and personal expenses, you will have to make payments out of your income for up to 3 years. Your assets and income are dealt with by a licensed and regulated insolvency practitioner or by a government official called the official receiver. Bankruptcy usually lasts for 1 year, and once you have been freed (discharged) from your bankruptcy, you are released from your debts (with certain exceptions). Charges: We will not charge you any fee as your case will be referred to one of our affiliated firms. Limitations: You will remain liable to pay certain debts- in particular student loans, fines and some debts arising from family proceedings. Certain professionals are barred from practising if they are made bankrupt You may have a bankruptcy restrictions order made against you for 2 to 15 years if you acted irresponsibly, recklessly or dishonestly. 3

4 5. MORTGAGE ARREARS First Credit Advice Limited will assist you with your mortgage arrears by making reduced and affordable repayments towards your outstanding balance of arrears. The repayments will be calculated after generating your realistic budget and disposable income thereafter. The main features of repayment arrangement with your lender consist of; a. Freezing down interest on the out standing balance b. Reversal of the arrear charges and late payment charges c. Lender not pursuing you for the payment of outstanding debt unless you make a payment break Charges: Our charges for negotiating mortgage arrears with your lenders are subjected into three categories:- i. For the arrear balance between 500-1,500: plus VAT per case. ii. For the arrear balance between 1,501-9,999: plus VAT per case. iii. For the arrear balance 10,000 and more: plus VAT per case. Limitations: Creditors could still take enforcement action against you, for example by getting a county court judgment and then an order, which creates a charge on your home, even if you are keeping up with your payments under the plan, unless they agree not to do so and the customer s Credit Rating will be affected. Creditors may refuse to freeze interest and charges (but it is always worth asking them to reconsider) OUR DEBT SOLUTION METHODOLOGY We plan to help customers in financial matters through a highly skilled legal panel with a specialist debt management administration, to provide all our clients with a results driven service. We intend to provide optimum customer satisfaction by providing them with peace of mind. 1. Eligibility: As per the client s inquiry about their outstanding debt problems First Credit Advice Limited will then review the client s information and assess if the client is eligible for our services. We shall use the in-house Questionnaire for accessing the eligibility of the customer to obtain our services against his creditors. 2. Information Pack: We shall follow the practice to send the information pack to all the inquiring clients. It will be sent to the client prior to signing up with us. The information pack will contain all the relevant information about us and our services. 3. Signing Up: If the client qualifies for IVA or Bankruptcy then he will be referred to our affiliated firm The Debt Advisor ltd. For all rest products, if the client qualifies the eligibility test and like to take on our services after going through information pack we will then send the client a letter of authority, client s contract and our terms and conditions. After receiving the signed Contract and Letter of Authority we shall send invoice to the customer. 4. In-House Process: On receipt of payment we shall start the case officially. We shall make client s income and expenditure statement by carefully considering 5. Updates: Updates will be taken on day to day basis from the lender and will be provided to the client either in written format or over the phone. 4

5 B. FINANCIAL PRODUCTS CLAIMS 1. PAYMENT PROTECTION INSURANCE What is PPI? Originally, Payment Protection Insurance (PPI) was designed to help people with credit cards, store cards, loans and finance agreements if they ever found themselves in a tricky position, such as unemployment, resulting in them being unable to keep up with their payments. What can go wrong? You agree to pay a little extra money each month, then if the worst happens, (you have an accident or lose your job), and you will not have to worry about your loan, credit card or mortgage payments. Well, unfortunately. PPI insurance policies have been mis-sold to millions of people in Britain alone. If you ve been paying for PPI and you believe that the following grounds apply to you then you may be entitled to claim back PPI: a. You were pressured into taking out PPI; b. It was not made clear that PPI was optional; c. You were advised to take out PPI but it was not suitable for you; d. You thought buying PPI was a condition, or would increase your chances, of obtaining a loan or other type of credit; e. Any significant exclusions were not explained, such as being self-employed or pre-existing medical conditions; f. The policy was added to your loan without your knowledge; g. It was not made clear that you would pay interest on the cost of PPI if it was added to the loan; and h. It was not made clear that the PPI cover would end before the loan or credit was repaid. i. You were not allowed to shop around and find the best features you need. And it doesn t stop there. In some cases, lenders can use the very thing that entitled you to your loan, store card etc to mis-sell the PPI policy. If you were in any of the following situations when you bought your PPI, you may be able to claim back a substantial amount of money: a. Retired b. Unemployed c. Self employed d. Employed part time e. Receiving full sick pay f. Employed as a Civil Servant g. Student (excluding student loans) If you work as a Civil Servant, for the NHS or the armed forces, you are entitled to full sick pay, which can be an exclusion clause in many PPI policies. That means it s unlikely that you would even have been given the opportunity to claim on your insurance. How We Can Help First Credit Advice Limited will help people to claim back their money they have paid in PPI premiums against; Unsecured Personal Loans Credit cards Store cards Mortgages Consolidation Loans Car Loans We've all experienced it, pushy sales people trying to sell payment protection insurance (PPI) when some one takes out a loan or applies for a credit card. The idea is that PPI covers his debt repayments if he can't work. It pays off the debt if he is ill, has an accident, or made redundant. But PPI is often mis-sold, which means that many people are left paying for expensive insurance policies that they'll never be able to claim on. And it's a huge problem. According to which, over two million PPI policies have been mis-sold. But if one thinks one may have been mis-sold PPI, we can help. Our PPI team will help people check if they were misled when buying PPI - and helped them to reclaim every penny they have paid in premiums plus Interest. According to the Citizens Advice Bureau, the average claim for PPI is 2,500, but the premium paid on a secured loan could be in excess of 10,000 - and we could help them claim this back. 5

6 Charges: For the PPI Claim we shall charge an upfront fee of 100 (including VAT) per customer which will cover our admin cost. We shall charge 25% plus VAT at the back end if the claim remains successful. 2. MIS-SOLD PACKAGED BANK ACCOUNT What Is Packaged Bank Account? Packaged bank accounts also known as Paid for accounts, usually charge a consumer with a monthly or annual fee. These accounts can be called a lot of different names such as Gold Account, Premium Account or Reward Account etc but the thing they have in common is that they usually include a range of insurance and non insurance benefits. A typical account might include travel insurance and mobile phone insurance as well as car breakdown cover, preferential rates on overdrafts or loans, use of airport lounges, and discounts on various products and services. Consumers usually pay between 5 and 25 each month for an account. Packaged accounts can be a good option for many people saving them time and money. They can work well as long as people know what the benefits are, whether they can use them and what they have to pay for them. But if; a. You were sold an account with bundled products you would never need b. The sales advisor pressured you into it, making you feel like you had no choice c. You weren't told about any other available products d. You wanted a loan or mortgage and were told you had to have a Packaged Bank Account to get one If any of the statements above ring a bell, there's a very good chance that you were mis-sold a Packaged Bank Account. This means you were mis-advised into buying a product that, at best, cost you unnecessarily; at worst, left you high and dry when you needed cover. That's wrong - and we're here to help you fight back. How We Can Help We offer an honest, expert, hassle-free service with no upfront costs. We regulated by the Claims Management Regulator in respect of regulated claims management activities and we have our own stringent Code of Conduct. First Credit Advice Limited will be doing everything in our power to secure you the financial justice you deserve. Charges: For the Packaged Bank Account claim we shall charge 25% plus VAT at the back end if the claim remains successful. 3. UNFAIR CHARGES What Are Unfair Charges? The Office of Fair Trading actually estimates more that 300 million in unlawful penalty charges are charged each year across the industry. Under the Unfair Terms in Consumer Contracts Regulations 1999, charges must reflect administration costs and cannot be punitive. If you ve got a credit card, loan or over draft facility and, like many people, occasionally go overdrawn or miss a payment, there s a good chance you ve been unfairly penalised for your oversights. But the good news is that you may be able to claim back all the unfair penalties payments you ve made plus interest. Like banks, credit card companies have been adding unfair charges to people s accounts for years, but many people aren t aware that these unfair charges can be claimed back too. The OFT, for the avoidance of doubt, set a threshold of 12. This is an absolute maximum and there is no justification for a charge amounting to more than one (1) pence more than this limit. 6

7 How Can We Help You? You may have been charged by credit card or store card companies for things like: Late payments Returned payments Exceeding your credit limit According to the law, the charges you pay must be fair and reflect the cost to the bank for your error. But many credit card companies don t stick to these rules and charge you more than they should meaning they could be unfairly penalizing you. First Credit Advice can help you to reclaim the penalty costs along with 8% interest on top of refund as statutory compensation where you have been unfairly charged on your credit cards, store cards, loans and overdrafts. Our Charges: For the unfair charges we shall charge an upfront fee of 100 per customer which will cover our admin cost. We shall charge 25% plus VAT at the back end if the claim remains successful. OUR CLAIM MANAGEMENT METHODOLOGY We plan to help customers in financial matters through a highly skilled legal panel with a specialist claims management administration, to provide all our clients with a results driven service. We intend to provide optimum customer satisfaction by providing them with peace of mind. 1. Eligibility: As per the client s inquiry about their intention to claim mis-sold Payment Protection Insurance / Identity Theft Insurance or Unfair Charges, First Credit Advice Limited will then review the client s information and assess if the client is eligible for our services. We shall use the FOS Questionnaire for accessing the eligibility of the customer to claim against his/her credit. 2. Information Pack: We shall follow the practice to send the information pack to all the inquiring clients. It will be sent to the client prior to signing up with us. The information pack will contain all the relevant information about us and our services. 3. Signing Up: If the client qualifies the eligibility test and like to take on our services after going through information pack we will then send the client a letter of authority, client s contract and our terms and conditions. After receiving the Contract and Letter of Authority we shall send invoice to the customer. 4. In-House Process: On receipt of payment we shall request the lender to send us the SAR (Subject Access Report). After getting the SAR report we shall calculate the PPI/ITI and unfair charges and will send a letter to the lender for claiming those back. On successful claim, we shall send invoice to the customer to pay our reclaim fee. 5. Updates: Updates will be taken on day to day basis from the lender and will be provided to the client either in written format or over the phone. 7

8 EXAMPLES OF THE COMPANY'S FEE STRUCTURE: Compensation is cash award Mr. A is awarded 3,000 compensation. Mr. A will receive 3,000 and pay a fee of 750+VAT. Compensation includes cash award with loan and future installment reduction Mrs. B is awarded 3,000; 2,000 of this award will be deducted from the outstanding balance on her loan. Mrs. B will receive a reduction of 2,000 from her outstanding loan and a reduction on her monthly payments as well as a 1,000 cash award. The Company's fees will be calculated on the total reduction on her loan and her cash payment but not the reduction on her monthly installments. Mrs. B pays a fee of 750+VAT. Compensation is used to offset arrears consumer has on credit card or loan Mr. C are awarded 3,000 in compensation which is applied by their lender to reduce their arrears on their loan. Mr. C will pay a fee of 750+VAT. Risks Involved in making claims: There is a possibility of losing you upfront fee of if your claim gets rejected. For making a claim against the lender where you are not sure about the genuineness of your claim, there is a possibility that the lender might take legal action against you. Alternate Mechanism for Claim: If you wish to pursue your PPI claim by yourself then you can follow the link: Your Right to Shop Around: You have the right to shop around and seek any further advice from other Claims management companies before you sign up with us if you feel there is something out there more suitable for you. 8

9 C. ENFORCEABILITY CHECK OF LOANS AND CREDIT CARDS Enforceability Check of your Consumer Credit Agreement Lenders are keen to lend money when things are going well for people but are very quick to change their attitude when things start to turn bad. We use the legislation of consumer credit act 1974 to protect the borrowers from unfair practices of the lenders. Lenders had almost 40 years to comply with this legislation yet still many credit agreements and other financial products do not comply with the basic law. What is an unenforceable credit agreement and how does it work? Section 77(1) of the Act deals with fixed-sum credit agreements. It provides that the creditor under a regulated agreement for fixed-sum credit 'within the prescribed period after receiving a request in writing to that effect from the debtor and the payment of a fee of 1, shall give the debtor a copy of the executed agreement (if any) and of any other document referred to in it'. Under Section 78(1), an identical duty applies in respect of running-account credit agreements. Borrowers and/or hirers are able to ask creditors to send them information about their credit agreements, if information is not supplied within 12 working days then your debt is called unenforceable until you get the information they asked for. An unenforceable credit agreement is a credit agreement that is not in line with The Office of Fair Trading standards. There are a range of different things that can deem a credit agreement to be unenforceable. Here are some examples: Modified agreement if agreement/ contract is altered in any way without the clients knowledge/knowing signature or agreement this case will be unenforceable Modified agreement relevant dates must be present on contracts Any agreement has to comply with section 22 of the financial services and markets act 2000 If contract/agreement is not drafted in correct way i.e. nature of agreement not being set out clearly / parties to agreement not clearly stated your agreement. Financial and related particulars not being set out clearly in agreement Signature box not provided If APR has changed but was not marked variable on agreement/contract There are also many other factors that can make your debt unenforceable, just ask us about yours and we can investigate and let you know what the next step for you will be. What does unenforceable mean? Unenforceable does not mean your debt is wiped out. You still owe the money, and if you don't pay you can be charged interest on what you owe, be charged for not paying (these are called default charges) and it could affect your credit record. But if you haven't been given the information, they cannot: Make you pay off your debt before you're supposed to Get a court judgment against you Take back anything you've hired or bought on credit, or take anything you used as security (like your house) when you took out the agreement. 9

10 However, they can still: Ask you to pay what you owe Send you a letter called a default notice if you miss any payments Pass your information on to a credit reference agency, which might affect your credit record Pass your information on to a debt collector Sell your debt to someone else Take your case to court, although they won't be able to get a court judgment against you unless they give you the information you're entitled to. How can we help? We shall make a request to your creditor to send us the copies of original credit agreement under section 77/78 of consumer credit act 1974 within the prescribed time limit and after obtaining these we shall audit the agreement to identify any deviation from the consumer credit act 1974 which makes it legally unenforceable and will advise you accordingly. The following are a list of few cases which we take into consideration prior to advising our customers: Tesco Personal Finance v Rankine McGuffick v- The Royal Bank of Scotland plc Rankine v- American Express Services Europe Ltd [2008] Carey v HSBC Bank plc If we determine that you have sufficient grounds for unenforceability we shall advise you accordingly however, please note that we shall not process the claim on your behalf but simply ADVISE you on whether your agreement is enforceable or unenforceable. Charges: We will take an upfront payment of including VAT for auditing an agreement. Note: The Unenforceability aspect of consumer credit act 1974 only applies to credit agreement up to a maximum of 25,

11 D. PERSONAL INJURY CLAIMS Have you ever been involved in a car accident? If you have, then you must be surely aware of how the accident is just a beginning of a long and traumatic process designed to ensure that you simply wish to give up any right of claiming compensation. Car injury claim are probably the most difficult. They involve physical injury, mental injury and damage to the car. You need to be compensated for all of these making the entire process and the legalities involved even more complex. Claim for vehicle repair is quite difficult as well. It involves ascertaining the extent of the damage, deciding whether the vehicle is repairable, needs to be replaced or other legalities. Our experts here at FCAL deal with all these issues. All you have to do is to file a claim and our expert solicitors will take care of the rest getting you the best settlement in the shortest possible time. Personal Injury claim is a legal term and those filing these claims are always looked upon with suspicious eyes. People don t stop to think about the extent of the harm if it is anything beyond physical injuries that are being claimed for. The truth of the matter is that these personal injuries go way beyond just their physical ramifications, affecting people mentally and emotionally. To add to this, the long battle with insurance companies drain you of all you energy. FCAL understands what you are going through when you file that personal injury claim. Let us do all the hard work to make sure that you are fairly compensated for your scars and troubles. The solicitors on our panels are extremely good at what they do and if you have been injured by somebody else s fault, rest assured that we will get you the proper consideration. We have helped thousands of people with personal injury claims caused by accidents of all types. We can assure that you can rely on us for all the services we provide. Get in touch with us today. CONDITIONAL FEE AGREEMENT No win no fee is the term used to describe the Conditional Fee Agreement (CFA) between a law firm and their client. In a Personal Injury claim, this is an agreement between the client and their lawyer, which will enable the lawyer to take on a personal injury case on the understanding that if they lose the case, the client will not have to pay their lawyer s costs. CHARGES: Our no win no fee service and minimum 75% compensation are subject to the solicitor firm agreeing to take your case on as well as other limited exceptions which the solicitor firm will explain in more detail. 11

12 E. MIS-SOLD INVESTMENT Key financial claims are a direct result of the individual receiving wrong or bad advice for their circumstances from their Financial Advisor when they were being advised to invest some or all of their savings. Please bear in mind that rules have changed over the years so the financial advice given at the time may have been deemed appropriate at that time but now as a result of changes it is no longer deemed as appropriate for your needs and this does not stop you making investment claims now. Mis sold investment could apply to any of the following products: Investment Bonds With Profit Bonds Individual Savings Accounts (ISAs) Personal Equity Plans (PEPs) Unit Trusts Open ended investment companies (OEICs) Guaranteed Bonds The above mentioned are sample of the types of products in the investment range that may have been mis-sold in the past but it is not an extensive list so if your investment product is not listed and you feel after reading the rest of the information you may be a victim of financial mis selling then please get in touch with us by calling our office number and one of our staff will be happy to assist you further. What should you look for if you think you have been a victim of investment mis selling This is where things become more tricky and where you need to understand a bit more but we will attempt to keep it as simple as possible and if after reading it you are still not sure then please contact us and we will assist you further. At the time of investment did the advisor take into account the following? 12 a) Your personal circumstances when you took the investment out: Your personal circumstances were not properly considered. If you were in retirement then it is worth getting your investment audited although this is no guarantee you have been mis sold. Again this has to be looked at and your age at the time also comes into consideration with this question as the older you were the percentage of investment potentially should have been small compared to the savings you were left with. What liabilities you had at the time of the investment is another critical question that needs to be answered. b) Your level of investment experience: This can say a lot about your attitude to risk, investment objective and target value which may result in the investment product being mis-sold. c) Alternative products: You were advised to invest all or most of your savings into a single product. Also you were not given a comparison of less risk bearing alternate products available to you. Or you were not given an open market option d) Your savings: You were sold an investment product to generate income but did not realise that if the growth is not sufficient your capital would be eroded. Where did you get the money to invest also needs taken into consideration and most importantly does your savings that remain and previous investments match the risk profile that has been recorded at the point you were sold the investment. e) Risk Mitigation: You were sold an investment without having been properly advised on the risks or discuss with you what you would do as an alternative if an investment didn't perform. f) Merits and Demerits: You were not defined the advantages and disadvantages of your product in full or documentation of charges was not given. This is some of the areas that should be looked at to see if you were a victim of mis selling in the past. It is also important to point out at this point that people who have lost their loved ones and discover they had investments which they feel may be inappropriate can ask for them to be reviewed also as long as the executor of the will gives permission for this to take place. If this is the case you will need as much paperwork as possible to help with

13 your case or a sympathetic bank or financial advisor as you cannot apply for a Subject Access Request for a deceased person although in our experience banks have been very accommodating as they realise people are still grieving for their loved ones. How We Can Help We offer an honest, expert and hassle-free service.. We regulated by the Claims Management Regulator in respect of regulated claims management activities and we have our own stringent Code of Conduct. First Credit Advice Limited will be doing everything in our power to secure you the financial justice you deserve. If you would like to talk to one of our specialist claim advisers, please call us on , or info@fcal.co.uk. Charges: For the Mis-Sold Investment we charge an upfront cost of and 20% plus VAT at the back end if the claim remains successful. F. Mis-Sold Mortgages Key financial claims are a direct result of the individual receiving wrong or bad advice for their circumstances from their Financial Advisor when they were being advised to take on a mortgage. Please bear in mind that rules have changed over the years so the financial advice given at the time may have been deemed appropriate at that time but now as a result of changes it is no longer deemed as appropriate for your needs and this does not stop you making mis-sold mortgage claims now. Mis sold mortgages compensation could apply to any of the following products: Interest Only Mortgage Repayment Mortgage Residential Mortgage Buy to Let Mortgage If the answer of any one of the questions below is yes then you can potentially clam against your mortgage lender: a) You were advised to self-certify (borrow money without proving your income) or overstate your income in order to borrow more b) Your mortgage end date is after your retirement date c) You were advised to switch lenders and weren t told about the fees and penalties d) You were given a fixed-rate mortgage and told to remortgage to a better deal later on, then incurred penalties for leaving the fixed rate early e) You weren t told about the commission the adviser would receive from the lender How We Can Help We offer an honest, expert and hassle-free service.. We regulated by the Claims Management Regulator in respect of regulated claims management activities and we have our own stringent Code of Conduct. First Credit Advice Limited will be doing everything in our power to secure you the financial justice you deserve. If you would like to talk to one of our specialist claim advisers, please call us on , or info@fcal.co.uk. Charges: For the Mis-Sold Mortgage we charge an upfront cost of and 20% plus VAT at the back end if the claim remains successful. 13

14 WHY CHOOSE US? Multilingual Advisers Honest and Helpful Advice Fast Track Services Direct Contact with Claim Manager Online Assessment Number of Debt Solutions Available Nominal Admin Cost No Hidden Cost or Grey Areas No Wrong Hopes OR Promises Not sure if you re entitled to a debt solution / compensation claim? First Credit Advice Limited offers free advice and will carry out a free claim assessment under no obligation. Call today on: Lines are open between hrs. Or visit: 14