Do you actually need a claims company? Usually not.

This is an odd thing for a claims management company to publish, so let us be clear about the incentive: we are better off if you read this, conclude you do not need us, and remember who told you.

Every route we use. chargeback, Section 75, APP reimbursement, the Financial Ombudsman. is free and open to you directly. None of it requires a professional.

When you should do it yourself

The claim is straightforward and the evidence is clean

One transaction, one clear problem, documentation already in your inbox. A duplicate charge, an order that never arrived, a subscription taken after you cancelled. Use our letter template and send it.

You have not tried yet

Always ask your bank first. It is free, it often works within days, and you lose nothing. Anyone who takes you on without asking whether you have tried is not acting in your interest.

The amount is modest

If a fee would take a meaningful bite out of a small recovery, it is not worth it for you. We tell people this and decline the work.

You find the process manageable

If writing a clear letter and diarising an eight-week deadline is something you can comfortably do, you already have the whole skill set. This is admin, not law.

When paying someone might make sense

You have already been refused

A final response is not the end, but overturning one means identifying precisely where the firm's reasoning fails and putting that to the Ombudsman. That is a different skill from making the initial claim, and it is most of what we do.

Several routes overlap

A travel claim can involve flight compensation rules, package travel regulations, a protection scheme, chargeback and Section 75 at once, each with its own deadline. Running them in the right order matters, and getting it wrong wastes months.

The sum is large

On a five-figure claim, a capped percentage for someone who does this daily is a reasonable trade. On a $60 claim it is not.

You cannot face it

A legitimate reason, and we would rather people said it. After a scam, after a bereavement, during illness. being able to hand it over has real value, and wanting that is not a failure.

The honest test

1. Have I asked my bank directly yet? If not, do that first, always.
2. Is this one clear problem, or several tangled ones? One clear problem is usually a do-it-yourself job.
3. Would the fee leave me meaningfully better off than doing nothing? If the honest answer is no, do not instruct anyone.

What to check before instructing anyone

• They are on the Financial Services Register. check the number yourself, on a page you navigated to
• The fee is a percentage of what you actually recover, with a worked example in pounds
• There is no upfront fee, no admin fee and no exit fee
• They told you that you could do it yourself for free
• They did not contact you first
• They gave you a realistic worst case, not only a best case

If a firm fails any of these, that is your answer.

Our free material

Letter templates for chargeback and Section 75, an evidence checklist, a deadline guide and a guide to referring a complaint. No sign-up, no email address required.

If they are enough, they are enough. That is what they are for.