1. "This sounds too good to be true, what's the catch"?
There isn't one. This really is a genuine opportunity to have your credit agreements reviewed by consumer credit professionals free of charge and without obligation.

2. "Do I Have to pay any money up front"?
No. Our review service is free of charge and doesn't commit you in any way.

3. "If I win how much compensation will I get"?
This depends entirely on your individual agreements. Some agreements may be unenforceable, some will be perfectly legal. If you have PPI included in your loan your compensation depends on the circumstances and sales process when you took the loan out.

4. "How long does it take"?
This depends on the complexity of your claim. As a guide, - to reclaim excessive unfair charges could take as little as 3 months. To have a credit agreement written off could take 12-18 months.

5. "Am I Liable for any costs"?
No. Win or Lose under our compensation contract you have no liability for costs. The only condition is that once your solicitor takes your claim you take his advice. For example if your lender makes a reasonable offer of settlement and you ignore your solicitor's advice to accept it you could be liable for costs if you lose in court.

6."Can I do it myself"?
Yes. If your claim is only for a small amount this would be our recommendation. There are a number of websites offering advice and templates of letters to assist you. The consumer credit legislation is extremely complex and there could be grounds for an agreement to be written off that the average consumer would never know. Our advice is to get your agreement checked by a specialist lawyer and then decide which way to proceed.

7. "If I Claim will it affect my credit rating"?
No. We recommend you continue your repayments as normal until your claim is settled. If you do this your credit rating cannot be affected. If your agreement is written off you will be entitled to claim these payments back.

8. "Why do some companies charge up front fees and some don't"?
Our company policy is to review your agreement totally free of charge without obligation. If we recommend you pursue your claim via our services you will always be offered a choice of fee payment options. We guarantee you will always be offered a "no win - no fee" option.

The Ministry of Justice has issued a consumer alert which warns customers not to pay a claims management company up front fees to review your agreement even if there is a guarantee of money back if you are unsuccessful.

9. "Will I have to talk to my lender about this if I claim?"
No. Once your solicitor is appointed, your lender will be legally instructed to address all communications via him. If your lender does contact you politely tell them you prefer them to speak to your solicitor as requested. For reassurance contact us.

10. "If I am in a Debt Management or IVA programme can I still claim"
Yes you can. There are no legal reasons why you cannot pursue a claim.


Property Shop is an agent of Retrieve Ltd who are regulated by the Ministry of Justice in respect of Regulated Claims Management Activities. Registration number CRM11725. This registration is recorded at www.claimsregulation.gov.uk