Professional Personal Claims Ltd

Terms of Business & Legal Information

Privacy Policy | Copyright Notice | Terms & Conditions | Cancellation Procedure | Complaints Procedure

Privacy Policy

This privacy policy sets out how Professional Personal Claims Ltd uses and protects any information that you give Professional Personal Claims Ltd when you use this website.
Professional Personal Claims Ltd is committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website, then you can be assured that it will only be used in accordance with this privacy statement.
Professional Personal Claims Ltd may change this policy from time to time by updating this page. You should check this page from time to time to ensure that you are happy with any changes. We may collect the following information:
Name, contact information including email address
Demographic information such as postcode, preferences and interests
Other relevant Information
We require this information to understand your needs and provide you with a better service, and in particular for the following reasons:
Internal record keeping.
We may use the information to improve our products and services.
We may periodically send promotional emailsabout new products, special offers or other information which we think you may find interesting using the email address which you have provided.
From time to time we may also use your information to contact you. We may contact you by email, phone, fax or mail. We may use the information to customise the website according to your interests.
We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.
A cookie is a small file which asks permission to be placed on your computer’s hard drive. Once you agree, the file is added and the cookie helps analyse web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.
We use traffic log cookies to identify which pages are being used. This helps us analyse data about web page traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.
Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in noway gives us access to your computer or any information about you, other than the data you choose to share with us.
You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.
Our website may contain links to other websites of interest. However,once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.
You may choose to restrict the collection or use of your personal information in the following ways:
Whenever you are asked to fill in a form on the website, look for the box that you can click to indicate that you do not want the information to be used by anybody for direct marketing purposes
If you have previously agreed to us using your personal information for direct marketing purposes, you may change your mind at any time by writing to us or emailing us at enquiries@ppclaims.com
We and selected third parties which we are associated with may use your personal information to contact you or to send you promotional information which we think you may find interesting unless you tell us that you do not wish this to happen.
You may request details of personal information which we hold about you under the Data Protection Act 1998. A fee will be payable. If you would like a copy of the information held on you please write to Professional Personal Claims Ltd. 4 Old Park Lane, London W1K 1QW.
If you believe that any information we are holding on you is incorrect or incomplete, please write to or email us as soon as possible, at the above address. We will promptly correct any information found to be incorrect.

Copyright Notice

This privacy policy sets out how Professional Personal Claims Ltd uses and protects any information that you give This website and its content is copyright of Professional Personal Claims – © Professional Personal Claims 2018. All rights reserved.
Any redistribution or reproduction of part or all of the contents in any form is prohibited other than the following:
you may print or download to a local hard disk extracts for your personal and non-commercial use only
you may copy the content to individual third parties for their personal use, but only if you acknowledge the website as the source of the material
You may not, except with our express written permission, distribute or commercially exploit the content. Nor may you transmit it or store it in any other website or other form of electronic retrieval system.

Terms of Business

In this Agreement it is agreed as follows:-
1. The following words shall have the following meanings:
“Company”- Professional Personal Claims Ltd of 4 Old Park Lane, London.
“Client”- The individual or individuals who sign this agreement.
“Product”- All Insurance Policies, Protection Policies, Investments, Annuities, Pensions, Charges, Payments made, Credit Agreements, Mortgages, Accounts and other contracts held and services; provided to or held by the Client.
“Responsible Party”- Lloyds Bank Plc, a member of the Lloyds Group, an Arranger, a Provider, an Arbitration or Compensation Scheme
“Compensation”- The total amount of: refund, payment, debt reduction, early receipt of funds and any other financial benefit awarded to the Client.
“Reasonable Compensation Award”- an award of Compensation calculated in accordance with: Financial Conduct Authority, Financial Ombudsman Service or Financial Services Compensation Scheme guidelines.
“Service”- The investigation into the circumstances surrounding the acquisition of the Product and/or the submission of a Compensation Claim or Complaint to the Responsible Party by the Company on behalf of the Client.
“Success Fee”- Payment by the Client to the Company of a fee in recognition of the Company’s provision of the Service.
2. The Company has no connection or affiliation with the Responsible Party.
3. The Client requests the Company provides the Service. If the Company completes providing the Service but the Client is not awarded Compensation, the Client will not pay the Company a Success Fee.
4. If the Company commences or completes providing the Service and the Client is awarded Compensation, the Client will pay the Company a Success Fee. This Success Fee will be calculated at a rate of twenty five per cent of the total value of Compensation awarded. Value added tax (vat) is payable on Success Fees.
5. The Client will pay the Company the Success Fee within seven days of receiving payment of Compensation or if sooner within thirty days of receiving notification they have been awarded a Reasonable Compensation Award.
6. The Company will be the sole provider of the Service to the Client. Clients will be jointly and severally liable to pay Company fees by Bank transfer or cheque.
7. The Success Fee charged by the Company to the Client will not exceed the Compensation payment awarded to the Client.
8. Examples of Success Fees based on a three thousand pounds Compensation award:-
(a) Client receives a payment of three thousand pounds, the Success Fee will be seven hundred and fifty pounds plus VAT of one hundred and fifty pounds, the Client receives net payment of two thousand one hundred pounds.
(b) Client receives a payment of one thousand five hundred pounds and their outstanding balance is reduced by one thousand five hundred pounds, the Success Fee will be seven hundred and fifty pounds plus VAT of one hundred and fifty pounds, the Client receives net payment of six hundred pounds.
(c) Client receives a payment of no money and their outstanding arrears are reduced by three thousand pounds, no Success Fee will be payable, the Client receives net payment of no pounds.
9. The Client undertakes to provide the Company with all documentation or other information held relating to the Compensation claim and to provide all information reasonably requested by the Company. If the Company pays the Responsible Party a reasonable fee to obtain information concerning the Client’s account(s), should the Client be awarded Compensation the Client will reimburse the Company. The Client and the Company will read carefully and retain copies of all relevant documentation until the Compensation claim is completed.
10. The Client and the Company will be entitled to interpret the other parties’ failure to fulfil any of their duties and obligations under the terms of this agreement as that parties’ cancellation of this agreement.
11. This Agreement may be cancelled at any time by the Client clearly notifying the Company. If the Client cancels this Agreement within fourteen days of the Company sending its confirmation of the receipt of this Agreement no fee will be payable by the Client. If the Client cancels this Agreement after fourteen days of the Company confirming receipt of this Agreement but before the Service is provided the Client will pay the Company for the work it has conducted calculated at an hourly rate of one hundred pounds plus vat. If the Client cancels this Agreement after the Service has been provided, the Client will pay the Company the lower of twelve thousand pounds plus vat for each successful Compensation claim or the appropriate Success Fee plus vat.
12. The Company will communicate with the Client and seek to keep the Client informed of the progress of their claim by: email, telephone or letter confirming its receipt of their claim, information required to progress the claim, significant changes to the claims status and the outcome of the claim. The Company is unable to warrant the Service will result in Compensation being awarded, the value of any Compensation or the time required to provide the Service.
13. If the Client fails to pay monies to the Company when due, they will pay the Company: reasonable fees for the work involved seeking to recover the monies (not exceeding five hundred pounds), interest calculated at eight per cent per annum and may be required to pay legal expenses incurred by the Company.
14. The Client and the Company shall not be liable for damages or delays caused by events beyond their control. If the Product is cancelled as a result of the Service the Client will be responsible to consider replacing the Product.
15. The Company is regulated by the Claims Management Regulator in respect of regulated claims management activities authorisation number 24922. The Company is licenced by the Information Commissioners Office in respect of the Data Protection Act registration number Z2191194.
16. The Company operates a formal internal complaints handling procedure. The Client may complain to the Complaints Manager, 34 Clarence Street, Southend, SS1 1BD, 01702 338585, complaints@ppclaims.com. Complaints will be acknowledged in writing within 5 business days of receipt, advising the Client that if they are not satisfied with the Company’s final response or if a final response is not provided within 8 weeks, the Client can within 6 months refer their complaint to the Legal Ombudsman, PO Box 6804, Wolverhampton, WV1 9WG, 0300 555 0333, cmc@legalombudsman.org.uk.
17. The Client and Company may legally assign the benefits arising under this agreement subject to such assignment not prejudicing the other parties’ rights.
18. If one or more of the conditions of this Agreement become unenforceable, this shall have no effect on the enforceability of other conditions. This Agreement shall be governed by the jurisdiction of English and Welsh Law.
19. The Client is advised and aware they may seek independent legal advice before entering into this Agreement. The Client is also advised and aware rather than using the Company’s Services they may Claim Compensation directly from the Responsible Party without cost or use an alternative organisation.
20. By acknowledging receipt of this Agreement the Company acknowledges and agrees to be bound by its terms. By signing and returning this Agreement the Client acknowledges they have read and agree to be bound by its terms.

Cancellation Procedure

You can cancel your Agreement with the Company at any time by making a clear statement (e.g. letter, fax, email, visiting www.ppclaims.com/cancellations, telephone call or using the cancellation form below). You are entitled to a 14 day “cooling off” period, this period commences the day after we send you this notice. If you cancel this Agreement within fourteen days of the Company confirming receipt of this Agreement, no fee will be payable by you. If you cancel this Agreement after fourteen days of the Company confirming receipt of this Agreement, but before the Service is provided you will pay the Company for the work it has conducted calculated at an hourly rate of one hundred pounds plus vat. If this Agreement is cancelled after fourteen days and after the Service has been provided, if your Compensation claim(s) is or are successful and you are awarded Compensation, you will become liable to pay the Company the lower of the Success Fee detailed in the Terms of Business Agreement you entered into with the Company or £5,000 plus vat for each successful Compensation claim.

Complaints Procedure

Professional Personal Claims Ltd operates a formal internal Complaints Handling Procedure which is as follows:-
The Client may make a Complaint against the Company by writing, telephoning or emailing:
The Complaints Handling Manager; 34 Clarence Street, Southend, SS1 1BD or 01702 338585 or complaints@ppclaims.com.
The Company will provide a written acknowledgment of the receipt of a Complaint to Client within 5 business days of its receipt.
The Company will advise the Client if they do not receive a Final Response within 8 weeks they may refer their Complaint to the Legal Ombudsman.
The Company will provide the Client with a Final Response in writing within 8 weeks of the receipt of their Complaint.
The Company will advise the Client in their Final Response, that if they are not satisfied with the Final Response from the Company they may within 6 months refer their Complaint to the Legal Ombudsman.
The Legal Ombudsman may be contacted by writing, telephoning or emailing: The Legal Ombudsman, PO Box 6804, Wolverhampton, WV1 9WG or 0300 555 0333 or cmc@legalombudsman.org.uk.
If the Company receives a Complaint: when the act or omission took place before 5th October 2010 or when the complainant should reasonably have known there was cause for complaint after six years from the act or omission; or three years from when the complainant should reasonably have known there was cause for complaint, the Company reserves the right to refuse to consider the Complaint and if necessary to contest the jurisdiction of the Legal Ombudsman and the Financial Conduct Authority in relation to the Complaint.