Lewis Waterman 'NO WIN NO FEE'
Agreement and Terms and Conditions

This agreement relates to your claim(s) for reimbursement of Mis-Sold PPI, (Payment Protection Insurance) applied to a Credit Agreement(s).

Payment and Cost to You:

1.	Our arrangement is on a strictly 'no win, no fee' basis.
2.	If your claim is successful you will pay us 10% plus VAT of the total financial benefit recovered or paid as a result of the claim. This may be a refund of charges, debt reduction, monies off set against arrears or any other monies recovered following acceptance of this agreement.
3.	If your claim is unsuccessful we will not charge you for our service.
4.	Lewis Waterman Ltd will endeavour to recover all monies owed and forward payment to you, minus our fee, within 7 days.
Examples of our fee:

Example A: All compensation is "cash in hand"		Example B: Compensation includes "cash in hand" award with loan and future instalment reduction		Example C: Compensation is used to offset arrears consumer has on credit card or loan
Total compensation:	£3000	Total compensation:	£3000	Total compensation:	£3000
		Loan reduction	£2000	Loan reduction	£3000
Of which cash is	£3000	Of which cash is	£1000	Of which cash is	£0
Fee charged at 10%	£300	Fee charged at 10%	£300	Fee charged at 10%	£300
VAT @ 20%	£60	VAT @ 20%	£60	VAT @ 20%	£60
Total Fee	£360	Total Fee	£360	Total Fee	£360
Consumer receives	£2640	Consumer receives	£640	Consumer pays	£360
(and no reduction in loan as it is already paid in full)		(and a reduction of £2000 in future loan instalments)		(and a reduction of £3000 in their outstanding loan)

Your Responsibility

1.	Instruct us clearly allowing us to conduct our work on your behalf properly.
2.	You must not give us deliberately misleading information or ask us to work in an improper way.
3.	You must provide us with all loan documents and statements, if available, prior to commencing the claim(s).
4.	You must co-operate with us fully and pay the cost mentioned under 'Payment and Cost to You' in this agreement.
5.	Forward to us any mail, received from your bank, relating to the claim we are making on your behalf.
6.	If the finance company pays you direct or offsets the amount of your compensation on your account, you agree to pay our fee within 7 days. We will invoice you for this amount.

Our Responsibility

1.	We must always act in your best interest in pursuing your claim(s) and obtaining for you the best possible result.
2.	This agreement will end if court action becomes necessary or if your case is referred to our Solicitors for further action.
3.	Lewis Waterman Ltd makes no representation or warranty to you that compensation will be obtained or is in any way guaranteed.
4.	Protect your personal information and not disclose any personal details to any other third party, other than those you have authorised us, without your prior permission. We are registered with the Information Commissioners Office. Data Protection No Z9959639.
5.	Conduct work on your behalf within a reasonable timescale.
6.	Fully explain the risks and benefits whilst giving you our best advice.

Cancellation
We may cancel this agreement at any time if we feel the claim is likely to be unsuccessful, if the client is declared bankrupt or if the client fails to follow any of our recommendations whilst pursuing the claim(s). The client can cancel this agreement within 14 days of signing without cost or penalty. The client can cancel at any time after 14 days without cost or penalty. Cancellation by either party must be made in writing. The client has the right at any time to seek further advice regarding this claim(s).

Complaints
If you wish to make a complaint about any aspect of our service you may do so by writing to Lewis Waterman, Customer Service, 26 Harmer Street, Gravesend, Kent, DA12 2AX. For Internal Complaints procedure Click here.