This is a question we are often asked by people looking for help. The answer depends on what you want?
Whenever we take on a new client our process requires that we explain to that client that they are able to do this (the claim) themselves if they want. They just need to have the time, knowledge and commitment to see the complaint through.
That’s right! There is no “Black Magic” or “Trickery” in what we do for clients. We just follow processes with applied knowledge.
There are 3 major advantages we have;
First, as a business what we do is apply the rules (in this case the FSA Handbook) to the particular specifics of your case and complain to the broker/ lender/ bank etc on our behalf. Most often (we feel) is that they appreciate we understand the rules and therefore can quickly spot if they offer choose to respond in the right way. Using our experience and knowledge we then reply, quoting relevant rules and regulations, and highlighting the differences as we see it. Mostly, this results in won cases. (perhaps these people are less likely to try to fob us off?)
Second, we have the benefit of technology. We have automated process that help us and computer systems to generate letters; to prompt us when responses are overduedue; and to ensure that we keep within the strict complaint time scales allowed.
Finally, hassle-factor. We won’t get fed up. We don’t have the problem of writing letters when getting home after a stressful day and putting the little-ones to bed when you’d rather have a glass of wine than get into an row with your bank. That’s our job..
The point being is, any consumer can do what we do. If you understand the FSA Handbook and are organised and happy to take on the banks or brokers and some of their trickery you should have similar results to us. The problem comes when you are presented by a technical argument or a rejection with reasons. What do you do then? Unfortunately, no claims company in the land is likely to help at that stage and you have a challenge….
So yes, we claims companies charge a fee. How else could we do what we do? We tell you up-front how much and the good ones wait till we have won you some money and you’ve been paid before sending an invoice- others charge up front 
  [be careful]
All we ask is that you pay us when we’re successful because otherwise we may have to try and get money from you rather then the bank….. 
Remember that we’re regulated by the MOJ [Ministry of Justice - CRM20182] should you need to complain andso you should be able to take the uncertainty out of the process if nothing else.
But, if you feel confident, up-for-a-fight and can be organised then you might want to give it a go! Just remember that the clock is ticking from the day you first complain…..
If unsure you can call us on 01270 446600 and we’ll help wherever we can.
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