The terms that apply when you use our website and claims eligibility service.
Last updated: 30 July 2026
These terms govern your use of the ClaimPals website (claimpals.co.uk) and our free claims eligibility checking service. ClaimPals is a trading name of The Claims Experts Ltd, a company registered in England and Wales, company number 11600861, VAT registration number 313 208644. We are authorised and regulated as a Claims Management Company (CMC) by the Financial Conduct Authority under firm reference number 836692.
By using our website or submitting an enquiry through our eligibility checker, you agree to these terms. If you don't agree with them, please don't use our website or services.
ClaimPals provides a free, no-obligation eligibility check to help you understand whether you may have a valid claim relating to mis-sold secured loans, scams or fraud, and other claim types we cover from time to time. We are not a law firm and we do not provide legal advice.
Where our assessment indicates you may have a claim, we introduce you to an appropriately authorised and regulated specialist partner — such as a solicitor or another regulated CMC — who may agree to act for you directly under their own terms of engagement. You are not obliged to use a CMC to bring a claim: you can pursue a complaint with the relevant lender, bank or provider yourself, free of charge, or refer it to the Financial Ombudsman Service (FOS) directly.
Our services are intended for individuals aged 18 or over who are resident in the United Kingdom. You must provide accurate and complete information when using our eligibility checker or claims form — inaccurate information may affect our ability to assess your claim or that of our regulated partner.
Our eligibility check is always free, with no obligation to proceed. We do not charge you for checking whether you may have a valid claim.
Where a claim proceeds and results in a successful cash refund, The Claims Experts Ltd (or the regulated partner handling your case) charges a success fee of between 18% and 36% (including VAT) of the amount recovered, as set out clearly in your individual client agreement before you commit to anything. If your claim is unsuccessful, you do not pay a fee for that claim.
Once you sign a client agreement to proceed with a claim, you have a 14-day cooling-off period during which you can cancel free of charge. After the cooling-off period has ended, you may still cancel your claim, however a success fee will still be payable on any cash refund that results from a claim already submitted before cancellation.
When using our website or services, you agree to:
You must not use our website:
Unless otherwise stated, we (or our licensors) own the intellectual property rights in the ClaimPals website and all content published on it, including text, graphics, logos and design. You may view and print pages from our website for your own personal, non-commercial use, but may not otherwise reproduce, distribute or exploit any content without our prior written consent.
We provide our website and eligibility checking service on an "as is" basis and, to the fullest extent permitted by law, exclude liability for any indirect or consequential loss arising from your use of our website. Nothing in these terms limits or excludes our liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be limited or excluded under applicable law.
We are not responsible for the acts or omissions of any independent regulated partner we introduce you to once they have agreed to act on your behalf; your relationship with that partner is governed by their own terms of engagement and regulatory obligations.
If you're unhappy with any aspect of our service, please contact us using the details below so we can try to resolve things. If we're unable to resolve your complaint to your satisfaction, and it relates to our regulated claims management activity, you may be entitled to refer it to the Financial Ombudsman Service (FOS) free of charge.
These terms are governed by the laws of England and Wales, and any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.
We may update these terms from time to time to reflect changes in our services, legal or regulatory requirements. We will post the updated version on this page with a revised "last updated" date. Continued use of our website after any changes constitutes acceptance of the updated terms.
See also our Privacy Policy for details of how we handle your personal data.