THE AGREEMENT. This Agreement is a legally binding contract between you and the Company. Before you sign, please read the entire document carefully.

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2 PLEASE RETAIN FOR YOUR RECORDS THE AGREEMENT This Agreement is a legally binding contract between you and the Company. Before you sign, please read the entire document carefully. Obligations of the Company 1. To act in the best interested of the client pursuing any potential claim against any financial institution. 2. To provide the client with impartial advice on the risks and benefits of pursuing a claim against any financial institution. 3. To advise the client on the suitability of any offer of settlement on behalf of any financial institution. Obligations of the Client 1. To Provide the Company with full and accurate information and not mislead the Company in any way. 2. To respond to any request from the Company for instructions or further information without delay. 3. To advise the Company of any change in address details or contact telephone numbers immediately. Rights of the Company 1. To decide at any time not to pursue the claim, for whatever reason, but to give the Client written notice of same within 5 working days from the date of such decision. Rights of the Client 1. The Client shall have the right to terminate the Contract within 14 days of signing the Authority and Agreement and in that case shall not incur any fee from the Company. Notice should be made in writing to the Company and will be effective from the date posted by the Client. The Client should obtain and retain proof of postage to verify the date posted. 2. The client has the right to terminate the Contract at any time providing the Company with written notice. If the notice is received after 14 days of signing the Authority and Agreement and before any offer of redress is made by the Lender, the Company shall charge reasonable costs associated with the claim but not exceeding 250. If the notice to terminate the contract is received after any offers of redress is made in accordance with the Financial Services Authority and Financial Ombudsman guidelines then the full fee of 25% + VAT of the total amount of redress will become payable. The company will confirm its charges on receipt of notice to terminate. Fees and Charges The Company s fees will be 25% + VAT of the total financial settlement received from the clients banking institution. We operate on a No Win, No Fee basis; the only occasion where charges would apply is if the contract is cancelled by the client after the 14 day cooling off period when work has been carried out by Quantum Refunds Ltd in accordance with the terms of our agreement. See the section Rights of the Client paragraph 2 for an explanation of early cancellation costs. Our fee is charged on a successful claim on the total amount of refund obtained. This also applies where an account is in arrears. The amount taken to repay arrears would also be charged at 25% + VAT of the amount. Be advised the 8% compensatory interest is subject to tax as considered a windfall by HMRC. The client would normally receive the settlement directly from the banking institution by cheque or direct payment. The client should then make payment of 25% +VAT within 5 days of the funds clearing. Non Payment of Invoice Without exception, all invoices must be paid in full within 14 days of issue. The costs of any telephone calls and invoice reminders may be added to the outstanding debt:- 50 +VAT Reminder Letter Before Debt Collection Action 10 +VAT Final Call Before Debt Collection Action 100 +VAT Notice of Action Debt Recovery The cost of any County Court action ( ) will be added to the outstanding debt together with statutory interest, pursuant to Section 69 of County Court Act 1984 until the debt is paid in full. P.T.O

3 THE AGREEMENT continued What happens when the Agreement ends before the case itself ends? 1. Paying the Company if the Client ends the Agreement. The client can end the agreement at any time. The Company then have the right to decide whether the Client must: Pay the Company s basic charges and any disbursements; or Pay the Company s basic charges and disbursements if the client goes on to win their claim. 2. Paying us if we end the Agreement The Company can end the Agreement if it believes the Client is unlikely to win. The Company can end the Agreement if the client rejects the Company s opinion about making a settlement with the Client s bank where the settlement in accordance with Financial Ombudsman and Financial Services Authority guidelines. The client must then: Pay the basic charges and any disbursements which will be reasonable and proportionate to the cost of the work carried out. Other points This firm is regulated by the Claims Management Regulator in respect of regulated claims management activities. If we do not provide a satisfactory response to your complaint within eight (8) weeks of receipt of complaint. If dissatisfied with the service provided by our firm you can make a complaint by any reasonable means (letter, telephone, or in person). The firm will acknowledge complaint within five (5) business days of receipt. A Final response within eight (8) weeks. If you are dissatisfied with final response you can contact Claims Management Regulation Unit in writing at High Street, Burton-on-Trent, Staffordshire DE14 1JS or by telephone on For further information on the MOJ regulations for claims management please see the information provided on the MOJ website at All information provided to the Company by the client will be held and controlled in compliance with the provisions of the Data Protection Act Quantum Refunds Ltd is regulated by The Claims Management Regulator in respect of regulated claims management activities. Authorisations Number CRM The Company s registration number is and the registered office address is Quantum Refunds Ltd, Rayner House, 23 Higher Hillgate, Stockport, SK1 3ER. The Company s complaints procedure is readily available and can be provided on request please admin@quantumrefunds.co.uk THE UNDERSIGNED CONFIRMS HAVING RECEIVED AND READ A COPY OF THE NO WIN NO FEE AGREEMENT FROM QUANTUM REFUNDS LTD AND CONFIRMS THAT THE TERMS ARE ACCEPTED AS THE BINDING AGREEMENT IN CONNECTION WITH SERVICES PROVIDED BY QUANTUM REFUNDS LTD 1st Account Holder 2nd Account Holder (if applicable)

4 PLEASE SIGN AND RETURN THE AGREEMENT This Agreement is a legally binding contract between you and the Company. Before you sign, please read the entire document carefully. Obligations of the Company 1. To act in the best interested of the client pursuing any potential claim against any financial institution. 2. To provide the client with impartial advice on the risks and benefits of pursuing a claim against any financial institution. 3. To advise the client on the suitability of any offer of settlement on behalf of any financial institution. Obligations of the Client 1. To Provide the Company with full and accurate information and not mislead the Company in any way. 2. To respond to any request from the Company for instructions or further information without delay. 3. To advise the Company of any change in address details or contact telephone numbers immediately. Rights of the Company 1. To decide at any time not to pursue the claim, for whatever reason, but to give the Client written notice of same within 5 working days from the date of such decision. Rights of the Client 1. The Client shall have the right to terminate the Contract within 14 days of signing the Authority and Agreement and in that case shall not incur any fee from the Company. Notice should be made in writing to the Company and will be effective from the date posted by the Client. The Client should obtain and retain proof of postage to verify the date posted. 2. The client has the right to terminate the Contract at any time providing the Company with written notice. If the notice is received after 14 days of signing the Authority and Agreement and before any offer of redress is made by the Lender, the Company shall charge reasonable costs associated with the claim but not exceeding 250. If the notice to terminate the contract is received after any offers of redress is made in accordance with the Financial Services Authority and Financial Ombudsman guidelines then the full fee of 25% + VAT of the total amount of redress will become payable. The company will confirm its charges on receipt of notice to terminate. Fees and Charges The Company s fees will be 25% + VAT of the total financial settlement received from the clients banking institution. We operate on a No Win, No Fee basis; the only occasion where charges would apply is if the contract is cancelled by the client after the 14 day cooling off period when work has been carried out by Quantum Refunds Ltd in accordance with the terms of our agreement. See the section Rights of the Client paragraph 2 for an explanation of early cancellation costs. Our fee is charged on a successful claim on the total amount of refund obtained. This also applies where an account is in arrears. The amount taken to repay arrears would also be charged at 25% + VAT of the amount. Be advised the 8% compensatory interest is subject to tax as considered a windfall by HMRC. The client would normally receive the settlement directly from the banking institution by cheque or direct payment. The client should then make payment of 25% +VAT within 5 days of the funds clearing. Non Payment of Invoice Without exception, all invoices must be paid in full within 14 days of issue. The costs of any telephone calls and invoice reminders may be added to the outstanding debt:- 50 +VAT Reminder Letter Before Debt Collection Action 10 +VAT Final Call Before Debt Collection Action 100 +VAT Notice of Action Debt Recovery The cost of any County Court action ( ) will be added to the outstanding debt together with statutory interest, pursuant to Section 69 of County Court Act 1984 until the debt is paid in full. P.T.O

5 THE AGREEMENT continued What happens when the Agreement ends before the case itself ends? 1. Paying the Company if the Client ends the Agreement. The client can end the agreement at any time. The Company then have the right to decide whether the Client must: Pay the Company s basic charges and any disbursements; or Pay the Company s basic charges and disbursements if the client goes on to win their claim. 2. Paying us if we end the Agreement The Company can end the Agreement if it believes the Client is unlikely to win. The Company can end the Agreement if the client rejects the Company s opinion about making a settlement with the Client s bank where the settlement in accordance with Financial Ombudsman and Financial Services Authority guidelines. The client must then: Pay the basic charges and any disbursements which will be reasonable and proportionate to the cost of the work carried out. Other points This firm is regulated by the Claims Management Regulator in respect of regulated claims management activities. If we do not provide a satisfactory response to your complaint within eight (8) weeks of receipt of complaint. If dissatisfied with the service provided by our firm you can make a complaint by any reasonable means (letter, telephone, or in person). The firm will acknowledge complaint within five (5) business days of receipt. A Final response within eight (8) weeks. If you are dissatisfied with final response you can contact Claims Management Regulation Unit in writing at High Street, Burton-on-Trent, Staffordshire DE14 1JS or by telephone on For further information on the MOJ regulations for claims management please see the information provided on the MOJ website at All information provided to the Company by the client will be held and controlled in compliance with the provisions of the Data Protection Act Quantum Refunds Ltd is regulated by The Claims Management Regulator in respect of regulated claims management activities. Authorisations Number CRM The Company s registration number is and the registered office address is Quantum Refunds Ltd, Rayner House, 23 Higher Hillgate, Stockport, SK1 3ER. The Company s complaints procedure is readily available and can be provided on request please admin@quantumrefunds.co.uk THE UNDERSIGNED CONFIRMS HAVING RECEIVED AND READ A COPY OF THE NO WIN NO FEE AGREEMENT FROM QUANTUM REFUNDS LTD AND CONFIRMS THAT THE TERMS ARE ACCEPTED AS THE BINDING AGREEMENT IN CONNECTION WITH SERVICES PROVIDED BY QUANTUM REFUNDS LTD 1st Account Holder 2nd Account Holder (if applicable)

6 Account Bank / Lender Client (For Office Use Only) Our Ref: Please quote this Ref on all correspondence Dear Sirs, Letter of Authority Please be advised that the undersigned has instructed Quantum Refunds Ltd (QRL) to carry out a detailed review of the circumstances surrounding the sale and servicing of my / our financial products and / or services not limited to the above listed agreement but also taking into account any other financial products. This authority is enduring until cancellation has been received in writing by the undersigned. Please accept this letter as undisputed authority for QRL to act on behalf of the undersigned, to request and receive information, by the way of letter, fax, telephone or . I / we have instructed QRL to act on my / our behalf and would therefore request any correspondence or communication in this matter is forwarded to QRL by the address shown below. This letter gives Quantum Refunds Ltd the authority to act on behalf of the undersigned in accepting or rejecting any payment offered. Any payments, which may be payable, following these investigations, should be made payable to Quantum Refunds Ltd and sent to: Quantum Refunds Ltd, Rayner House, 23 Higher Hillgate, Stockport, Cheshire, SK1 3ER THE UNDERSIGNED CONFIRMS HAVING RECEIVED A COPY OF THE AGREEMENT FROM QUANTUM REFUNDS LTD AND CONFIRMS THAT THE TERMS ARE ACCEPTED AS THE BINDING AGREEMENT IN CONNECTION WITH SERVICES PROVIDED BY QUANTUM REFUNDS LTD. 1st Account Holder 2nd Account Holder (if applicable) of Birth / / of Signing this Authority / / of Birth / / of Signing this Authority / / Current Address Previous Address Post Code Post Code