The FCA has introduced a free to use motor finance redress scheme and they estimate that a consumer may receive on average £829 per agreement. Redress depends on individual circumstances and eligibility.
How It Works
Find your agreement(s)
Complete our form, we’ll use this information to search for your agreement(s).
Review Your Claim
Our partners will assess your case and keep you informed throughout the process.
Submit Claim
If eligible, our partners will submit your claim and keep you updated.
Onocorp Ltd is a Claims Management Company (CMC) authorised and regulated by the Financial Conduct Authority. You can claim for free, without using a CMC, first directly to your finance provider or to the Financial Ombudsman Service/Financial Services Compensation Scheme. The FCA has introduced a free to use motor finance redress scheme.
We will pass your case to a claims management company / solicitor and we will receive a referral fee.
Important: Signing up with multiple companies for the same claim can cause delays, duplicate submissions, and multiple fees. Please ensure you appoint only one representative for any given claim.
Is Your Lender On The List To Claim?
We’ll find any vehicle finance agreements you’ve had with any of the lenders listed.
Personal Contract Purchase (PCP) and Hire Purchase (HP) are car finance options where you make a deposit and monthly payments typically over 2 to 4 years. The loan amount reflects the expected depreciation of the vehicle over the duration of the agreement.
Who is eligible to make a claim?
You may claim if your lender didn’t disclose commission details or if you faced higher interest rates due to undisclosed commissions. If you have entered into a PCP or HP agreement between 2017 & 2024, you may be eligible to make a claim.
What timeframes affect your claim?
The FCA has introduced a free consumer redress scheme and they estimate that a consumer may receive on average £829 per agreement under their redress scheme. Eligibility and outcomes depend on individual circumstances and proper investigation.
Complaints can still be submitted now, but responses will be delayed due to legal challenges on the parameters of the FCA redress scheme. The FCA has stated that the legal challenges will be heard by the Upper Tribunal either in December 2026 or in February 2027 however, it is currently unclear when any Tribunal decision will be made.
Can I still claim if my PCP/HP Agreement has concluded?
Yes, you can still make a claim even if your agreement has already ended.
Which lenders are eligible for claims?
Claims can be made against any lender, or car finance provider that issued your PCP contract. Well-known entities include BlackHorse Finance, MotoNovo, Santander Consumer UK PLC, BMW Financial Services, Volkswagen Financial Services, Mercedes Financial Services, RCI Financial Services Limited, FCE Bank (Ford), FCA Automotive, and Vauxhall Finance.
What are the costs involved?
You can view our partners Terms and Conditions here.
How much compensation can I expect?
You could be owed on average £829 per agreement, based on what the FCA estimates a consumer may receive under their redress scheme.
Can I claim for multiple PCP / HP contracts?
Yes, we can check all of your PCP & HP contracts taken between 2007 & 2021, as long as we are able to retrieve the agreements from your lenders
Can I cancel my claim?
You can view our partners Terms and Conditions here.
How Will You Receive Your Payment?
Where you are due compensation, the lender will usually make this payment directly to you by bank transfer.
1.1 “Agreement” means the contractual relationship between you and us which you enter by providing your signature. This includes where you provide your signature electronically.
1.2 “BlueLion Claims” means BlueLion Law Limited. Any reference to ‘we’, ‘us’ or our in the Agreement shall be taken to be a reference to BlueLion Law Limited. “Cancellation Period” means 14 days following the date on which you provide your signature to the Claim Pack documents.
1.3 “Claim(s)” means a complaint or potential complaint against the Lender relating to (i) the failure to disclose commission charges, or other sums paid in connection with your Credit Product(s) and/or (ii) the failure to undertake sufficient affordability checks when arranging your Credit Product(s) and/or (iii) the mis sale of ancillary, or other products that were financed under your Credit Product(s) and/or (iv) any other unfair lending practices identified during the provision of services we provide to you.
1.4 “Claims Services” means the work we undertake to assess, prepare, submit and negotiate the Claim(s) with the Lender as outlined in Clause 2 of these Terms of Engagement.
1.5 “Compensation” means any sums offered, paid or given in respect of a settlement / pursuant to the FCA’s proposed industry-wide compensation scheme, goodwill gesture, policy refund or rebate or any other payment associated with the Claim(s) including any interest payments and associated charges. For the avoidance of doubt, Compensation also includes any sums used to reduce any outstanding balances/debt.
1.6 “Credit Product” means a financial product allowing you to borrow money from a lender.
1.7 “Credit Record Request” means us reviewing your credit file to identify information about your Lenders and your Credit Products through either the submission of a soft credit check to credit reference agencies or a subject access request to the Lender. These requests will not adversely affect your credit rating.
1.8 “FOS” means the Financial Ombudsman Service, which can review the Lender’s decision about your Claim(s).
1.9 “FOS Representative Fees” means £250 which is reduced to £75 if it upholds your complaint.
1.10 “Lender” means the party against which you pursue the Claim / your opponent. “Success Fee” means the amount you will have to pay us for our services as set out in Clause 5 of these Terms of Engagement.
1.11 “you / your” means the account holder whose details are set out in the Letter of Authority and who has instructed us to act on their behalf.
1.12 Unless the context otherwise requires, words in the singular include the plural and in the plural include the singular.
2. Our Services
2.1 Upon receiving your instructions, you authorise us to undertake a Credit Record Request / subject access request to identify the lenders with which you held car finance.
2.2 If we identify any other lenders you may have a Claim against as part of our investigations, you authorise us to pursue those Claims on your behalf.
2.3 Once we identify your car finance lender and we have substantiated your Claim, we will submit a Claim to your Lender.
2.4 Where your Lender does not provide a satisfactory outcome to your Claim, we will assess whether to submit your Claim to FOS and/or process your Claim by way of litigation where we consider such a Claim has a reasonable prospect of success.
2.5 You give your consent for us to apply your signature to a Letter of Authority and where applicable, the FOS complaint form in circumstances where we consider such a referral would benefit your Claim(s) and we will inform you of this in advance accordingly. Alternatively, you can refer your own Claim to the FOS directly.
2.6 We will not process the Claim(s) until we receive your instruction.
2.7 Once we receive your instruction, we will (a) undertake the Credit Record Request (through a company called Valid8 Limited) to identify Lenders with which you held Credit Products and information about your Credit Products (b) submit a Claim(s) to a Lender(s), where we have all relevant information to do so and believe the Claim(s) has a reasonable prospect of success (c) where required, request additional information from you to substantiate your Claim(s) against a Lender(s); and/or (d) where required, request information from a Lender(s) or other relevant third parties about the Credit Product(s) you held.
2.8 We will use our reasonable endeavours to obtain Compensation for each Claim we pursue and will liaise and negotiate with the Lender on your behalf, as necessary to progress the Claim(s).
2.9 You understand that you have instructed us to request that the Lender investigates all Credit Products you hold/held with them under the instruction(s) provided, and that any successful Claim(s) will be subject to a Success Fee(s).
2.10 By providing your instruction, you agree to us referring your Claim(s) to FOS, where we consider such referral would benefit your Claim(s). Where a Lender does not provide a satisfactory outcome to your Claim(s), your signature will be applied to a FOS Declaration Form which we will use to submit the Claim(s) to FOS where there is merit. Alternatively, we may refer you to a “not for profit” organisation, which will assist you in presenting your Claim(s) to FOS.
2.12 We will keep you updated throughout the Claim(s) and promptly notify you of the outcome of the Claim(s), including any offers of Compensation by the Lender(s).
2.13 We may outsource some elements of the Claims Services such as the administration of the Claim(s), taking and making of telephone calls and/or requesting documents from you, to a specialist supervised company. You agree for us to outsource elements of the Claim(s).
2.14 To ensure efficient claims processing, we adopt technology including AI within our claims management systems. By providing your instructions, you agree to use our technologies. Your data will be held in accordance with clause 15 below.
3. Our Responsibilities
3.1 Always act in your best interests, subject to our regulatory duties.
3.2 Provide you with a reasonable standard of service, in line with your agreement with us.
3.3 Explain to you the risks and benefits of taking legal action.
3.4 Give you our best advice about whether to accept any offer of settlement. In the event that we are unable to contact you within a reasonable period (within 21 days of an offer being made), we may accept an offer of settlement on your behalf on the basis that we consider it is either within the confines of the FCA’s proposed industry-wide compensation scheme / a fair and reasonable offer pursuant to the jurisprudence in this area of law.
3.5 Keep you updated on all developments throughout your Claim(s) and advise you of any important matters that could affect the outcome of your Claim(s).
3.6 Progress your Claim(s) as quickly and efficiently as we can.
3.7 We will use reasonable endeavours to keep safe any information or documents that you, the Lender or any third party send to us. We will not be responsible for any loss to you or any third party arising out of the loss of documents or information, including in transit either to or from us. Any additional protection that you require for lost documentation or information (for example photocopies and/or a Recorded Delivery service by Royal Mail) will be at your discretion and your expense.
3.8 We are required to verify your identity and address. By giving your instruction, you acknowledge that you are giving consent to us to undertake an electronic verification check, where this is required. This process may involve searches with credit reference, fraud prevention agencies and the electoral register, which will be recorded on, but will have no adverse effect on, your credit file. We, or your Lender, may also require you to supply identification documents to allow us to verify your identity and address and/or to progress your Claim(s).
3.9 We may refuse, at our discretion, to act for you without giving reason.
3.10 We will not be liable to you whether in contract or tort for indirect losses which happen as a side effect of the main loss or damage and which are not foreseeable by you and by us, such as (but not limited to) loss of profits, loss of opportunity, loss of benefits or tax demands.
3.11 Our total liability to you in respect of all other losses arising under or in connection with your Agreement with us, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, shall in no circumstances exceed the amount of any Compensation to which you are entitled for the Claim(s) in connection to which we are liable unless those losses were foreseeable by both parties when your signature was provided. We consider that this limit is reasonable and fair in view of the type of work that we are undertaking. If the limit does cause you any concern, please contact us.
3.12 Nothing in these Terms of Engagement shall limit or exclude our liability for (a) death or personal injury caused by our negligence, or the negligence of our employees, agents or subcontractors (b) fraud or fraudulent misrepresentation or (c) breach of the terms implied by sections 49 to 52 of the Consumer Rights Act 2015.
4. Your Responsibilities
By entering into this Agreement, you have chosen to ask only us to represent you. You acknowledge that you could pursue the Claim(s) yourself either directly with your Lender and through FOS, or where applicable, the FCA’s proposed industry-wide compensation scheme free of charge.
You must:
4.1 Cooperate with us and provide clear and timely instructions that allow us to work on your case properly.
4.2 Go to any Court hearing when we ask you to.
4.3 Notify us of any change of contact details as soon as practicable.
4.4 Reply to our requests for information or documents in a timely fashion and no later than 14 days from when such request is made.
4.5 Inform us promptly of any matters affecting the Claim(s) such as direct contact from the Lender to you and consult us before making any direct contact with or having any discussion or correspondence with the Lender concerning any aspect of the Claim(s).
4.6 Not abandon or discontinue the Claim(s) or any part of the Claim(s) against our advice.
4.7 Not settle the Claim(s) without our consent and without first cancelling this Agreement.
4.8 Confirm within a reasonable period (within 21 days of an offer being made) whether you wish to accept any offer to settle your Claim proposed by the Lender.
4.8 Give us the exclusive right to deal with the Claim(s) and not enter into any new agreement, orally or in writing, with any other person(s) in respect of the Claim(s).
4.9 Observe good faith in all your dealings with us, disclosing all relevant information.
4.10 Provide us with all reasonable assistance to recover costs from your Lender.
You must not:
4.7 Attempt to mislead us, your Lender, or the Court.
4.8 Ask us to work in an improper or unreasonable way or cause or contribute to a conflict of interest that would prevent us from continuing to act in the Claim(s).
4.9 If you fail to honour your Responsibilities, we shall be entitled to terminate the Agreement and the payment circumstances in Clause 7 shall become effective.
4.10 By entering into this Agreement, you agree to (a) provide us with all information and documents which are relevant to the Claim(s), including but not limited to Credit Agreements, letters, documents and e-mails. You agree to provide Instruction for us to request any information required to substantiate the Claim(s) from the Lender, by way of a subject access request or by any other method.
4.11 You understand that upon receipt of your Claim(s) and/or if your Lender finds that your Credit Product was unaffordable, your Lender may freeze and/or reduce your credit limit. Where your Credit Product finances a vehicle, your Lender may seek the return of the vehicle, as part of their resolution to your Claim, if your repayment amounts to date do not exceed the value of the initial Credit Product.
5. Compensation, Fees and Charges under a DBA
5.1 You acknowledge that any approximate value of Compensation given to you is an estimate only. The success of any Claim(s) depends on your individual circumstances and / or the proposed industry-wide consumer redress scheme.
5.2 If we are not successful in obtaining an offer of Compensation then you owe us nothing, providing that you comply with your responsibilities in Clause 4 above.
5.3 Under the terms of the DBA, if we are successful in obtaining a reasonable offer of, or payment of Compensation, then our Success Fee will be calculated on the basis of the value of any Compensation offered or obtained for you for each individual Credit Product. The table below sets out the Success Fee percentage applicable to each band of Compensation, and the maximum total Success Fee for each band:
Compensation
Success Fee Percentage
Maximum Fee Charge
Total Fee (including VAT)
£1 – £1,499
30%
£420
£504
£1,500 – £9,999
28%
£2,500
£3,000
£10,000 – £24,999
25%
£5,000
£6,000
£25,000 – £49,999
20%
£7,500
£9,000
£50,000 or more
15%
£10,000
£12,000
5.4 The Success Fee percentages and amounts in the table above are inclusive of VAT, which is charged at the prevailing statutory rate.
5.5 We provide an estimate of our Success Fee and VAT based on different Compensation values in the table below. The Compensation you are offered will vary based on the value and duration of your Credit Product and may exceed these estimates. Please note that if your Claim(s) is referred to FOS as a complaint, it will charge a representative’s fee of £250 (as set out above) which is reduced to £75 if it upholds your complaint. This fee will be borne by us.
Compensation
Success Fee
VAT
£1,000
£300
£60
£3,000
£840
£168
£5,000
£1,400
£280
5.6 We have set our Success Fee at the rates provided in Clause 5.3 on the basis that (i) we will not be paid unless your Claim is successful and therefore will bear the significant risk that we will not recover any payment for the time spent by us on your Claim; the amount of the Success Fee is dependent on the amount of Compensation offered; (iii) your Claim may be subject to the temporary complaint handling rules of the FCA meaning that there may be a delay between us undertaking the work and receiving our Success Fee; and (iv) the fee cap imposed by our regulator, the Solicitors Regulation Authority (SRA).
5.7 For the avoidance of doubt, if you receive an offer of Compensation from your Lender, which we advise you is reasonable, and you reject that reasonable offer, or refuse to sign any acceptance from the Lender, the Success Fee would still be payable by you to us even though you would not receive any Compensation yourself as you have rejected that reasonable offer.
5.8 If your Lender requires you to sign an acceptance form, or otherwise accept their offer of Compensation, we will contact you to make you aware of this and provide details of the offer of Compensation. If you do not reject your Lender’s offer of Compensation within 21 days, we will assume that you have accepted the offer of Compensation and we may accept the offer of Compensation on your behalf.
5.9 If Compensation is paid to you as a result of the proposed industry-wide consumer redress scheme (a ‘scheme’), our Success Fee will still be payable to us on consideration of our work in respect of your Claim(s). You agree to direct your Lender to make any Compensation paid under a scheme directly to us. If the Lender offers or pays Compensation due under a scheme to you directly, you agree to notify us immediately (no later than seven days) and to provide the details we need to calculate the Success Fee.
5.10 In entering this Agreement with us, you have agreed for all Compensation to be paid directly to us and agree that we shall deduct the Success Fee before paying the balance of Compensation to you. Before deducting our Success Fee from any Compensation received, we will send an invoice to you which details the amount due to us and the balance of Compensation due to you. All funds will be held in our client account in accordance with the rules of the SRA.
5.11 For the avoidance of doubt, where you have more than one Agreement with us that results in a successful Claim, we may deduct from any Compensation paid, the Success Fee in respect of each of the Claims from the Compensation received for any one of those Claims. This may mean that Compensation paid as a result of the Agreement is used to offset a Success Fee that is due in respect of another claim you have with us.
5.12 Payment of the Success Fee becomes due at the point that either we or you are informed of an offer of Compensation and it is payable from the date on which we or you receive the Compensation. If the Lender offers or pays Compensation to you directly, you agree to notify us immediately (no later than seven days) and provide the details we need to calculate the Success Fee. We will then send you a bill for our services which is payable within 7 days.
5.13 Compensation may be used by a Lender to reduce any outstanding debt that you owe a Lender and you understand that our Success Fee will be payable based on the total amount of calculated Compensation even if the Lender does not pay the whole sum of the Compensation to you.
5.14 Your Compensation may be applied as part of your bankruptcy estate, insolvency asset, or other debt arrangement and your Compensation may not be paid directly to you. If Compensation is paid directly by the Lender to an Insolvency Practitioner or the Official Receiver, and you do not receive any Compensation, you will not be liable for our Success Fee.
5.15 If you fail to pay the Success Fee due and payable in accordance with the Agreement, we reserve the right to cancel all other active Claims.
5.16 We reserve the right to charge for costs incurred in recovering unpaid Success Fees where an offer or payment of Compensation is made from a Lender to you.
5.17 You agree to provide us with your bank details by a secure method to enable us to pay you your Compensation, less our Success Fee.
5.18 We will take reasonable steps to ensure you receive any money due to you. If you do not provide your bank details within 12 months of us receiving your Compensation, or a cheque we issue to you is not cashed within 12 months of the issue date and we do not receive any contact from you, we will close your file and you agree for us to pay the outstanding monies to a charity of our choice in line with the SRA’s Accounts Rules.
5.19 Our Agreement shall remain in effect until all Claims where a Success Fee is payable have been settled in full.
6. Compensation, Fees and Charges under a CFA
6.1 If we are not successful in obtaining an offer of Compensation then you owe us nothing, providing that you comply with your responsibilities above.
6.2 Under the terms of a CFA our London-based hourly rates, including VAT, are:
Grade of Fee Earner
Hourly Rate
Including VAT
Senior Partner
£650
£780
Partner
£400
£480
Legal Associate
£256 to £385
£310 – £460
Assistants and Paralegals
£150 to £215
£180 – £258
Consultant
£300
£360
6.3 Our Basic Charges are limited to 40% of the damages which you receive by way of a Court order or an agreement with the Opponent which results in any Recovery Amount. We review the hourly rates from time to time, and we will notify you of any change in the rate in writing. Our Basic Charges are calculated for each hour or tenth of an hour (one unit) engaged on the Claim. Routine letters, emails, telephone calls and telephone/text messages or other instant messages made or received will be charged as a minimum of one unit where they take one tenth of an hour (i.e. 6 minutes) or less to deal with. If they take longer than one tenth of an hour to deal with, they will be billed in units of 6 minutes rounded upwards to the nearest 6-minute unit.
6.4 The Success Fee is set at 100% of our Basic Charges i.e. 40% of the damages which you receive by way of a Court order or an agreement with the Opponent which results in any Recovery Amount. VAT will be added to the Success Fee. VAT is also added to our Basic Charges and Expenses. Please see further clauses 5.7 to 5.19 above in respect of how the Success fee is implemented in practice and in accordance with the SRA’s Guidelines.
7. Payments
7.1 By signing the Agreement, you provide us with irrevocable instructions to request that all third parties shall make payments directly to us which would otherwise be due to you. Out of that money, you agree to let us take the appropriate balance of the Success Fee. You will take the rest subject to the deduction of disbursements incurred on your behalf.
7.2 If you or we receive an interim payment in respect of damages, you agree that we may take an appropriate pro-rata payment in respect of the Success Fee together with a reasonable amount in respect of disbursements already incurred or anticipated.
8. What happens if you do not recover any payment in respect of your Claim(s)?
If you do not recover any payment in respect of your Claim(s), you do not have to pay us anything, unless you have not complied with your responsibilities as set out under Clause 4 of the Agreement.
9. Cancellation and Assignment
9.1 Under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, you have the right to cancel this contract within 14 days (“cooling off period”) without giving any reason and at no charge to you. You must notify us of your intention to cancel by using the cancellation notice in your Client Pack and sending it by post or e-mail to BlueLion Claims, The Centro Buildings, 20–23 Mandela Street, London NW1 0DU / [email protected]. By providing your signature to us, you expressly request that we commence the services immediately and prior to the end of the cooling-off period. You further acknowledge that by providing your signature to us that your right to a 14-day cooling off period is waived if your Claim has been processed by the Lender and an offer of Compensation has been made within this 14-day period.
9.2 Upon receiving your request for cancellation, we will cancel your Claim(s) on our system and inform your Lender that you have withdrawn your instruction, but you will be required to contact your Lender(s) to request it also cancels the Claim(s).
9.3 You further acknowledge that by providing your signature to us, that your right to a 14-day cooling off period is waived if your Claim has been processed by the Lender and an offer of Compensation has been made within this 14-day period. In the event that you cancel this Agreement during the Cancellation Period, you also agree to pay us any expenses we have incurred on your behalf during that period plus VAT on those expenses.
9.4 We may at our sole discretion cancel this Agreement at any time but we must act reasonably in taking such a decision. We will promptly notify you if we decide to cancel this Agreement together with the reasons for doing so.
9.5 We (including any third party funder as referred to in the DBA / CFA above) may assign the benefit of this Agreement, and the benefit of the Engagement Letter together with any other rights created between us, to any third party law firm and you consent for us to do this. This will not affect your rights as the Client and will not be on any more onerous terms to you. In this circumstance, you will be notified by us and will be given a period of 14 days to cancel. We may also subcontract all rights under this Agreement to others. This Agreement is personal to you and is not assignable by you except by your personal representatives.
9.6 You can cancel this Agreement for no charge if we are in breach of our obligations to you under this Agreement. You must inform us in writing either by email or post that you believe we are in breach of our obligations and state what you believe those breaches are.
9.7 Upon receipt of the cancellation notice, you will be informed by us of the charges you are liable for, if any, up to the date of cancellation. We may keep all documents and papers whilst there is still money owed to us for our fees. Such documents and papers will continue to be stored in accordance with our Privacy Policy on our website referred to in clause 15 of these Terms of Engagement.
9.8 Under the DBA and the CFA, we have agreed to act on your behalf without payment unless you receive payment in respect of your Claim(s). We are potentially therefore acting for you without payment for our services and we can therefore end the Agreement if we consider that you are unlikely to recover any payment in respect of your Claim(s). You do not have to pay us anything apart from any expenses we have incurred on your behalf plus VAT on those disbursements or expenses payable by you to us immediately upon cancellation of this contract. For further information on what the disbursements and expenses consist of, please see clause 10.1 of the DBA and clause 11 of the CFA.
9.9 We can end the DBA or the CFA if you do not comply with your Responsibilities as set out in Clause 4 of these Terms of Engagement. In those circumstances. If we do so after the Cancellation Period because you do not keep to your responsibilities, you agree you will pay us our charges calculated based on our hourly rate.
9.10 In the event that you cancel the DBA or the CFA outside of the Cancellation Period or we have no option but to terminate the DBA or CFA due to you providing misleading or inaccurate information or if you have breached a term of the DBA or CFA or these Terms of Engagement, then you are liable for our fees which are further set out in clause 11.2 of the DBA (a maximum of £300 excluding VAT) and clauses 7.2 and 7.4 of the CFA (either a maximum of 40% of your damages received in the event that you go on to Win the claim or our expenses set out in Clause 11.1 of the DBA and a proportion of the time we have spent working on your Claim as set out in the table of our Charges in Clause 7.1 of the CFA).
10. What happens if you die before you Win
10.1 If you were to die before you Win your Claim(s), the default position will be that, subject to the provisions below, the DBA / CFA will continue to exist and will not be terminated. We will, however, be able to elect to terminate the DBA / CFA if we do so within a reasonable period of learning of your death.
10.2 If the Personal Representative of your estate gives instructions to us to pursue the claim on behalf of your estate, and if they accept legal services from us for a period of seven days or more, then unless they indicate otherwise, they will be deemed to have: (i) adopted the Agreement as if they had always been a party to it and as if they had always had joint and several liability under it; and (ii) adopted the Agreement as being their own agreement for all incurred costs and costs yet to be incurred.
10.3 If the Personal Representative of your estate is unable or unwilling to adopt the DBA / CFA in accordance with the provisions above, then we will be at liberty to end the DBA / CFA on the grounds of non-compliance with the obligations set out in Clause 4 and this will attract the payment consequences in this Clause 9.10.
11. What happens after the Agreement ends?
We have the right to preserve our lien over any property of yours (including your full file of relevant documents) in our possession unless and until any money owed to us under the DBA or the CFA (as set out more fully in Clause 9.10 above) is paid in full. This means we can keep your papers until you pay us in full.
12. Other Information
12.1 The services to be provided by us are legal services. The time for delivery of our service to a conclusion of your matter cannot be determined at this time. On 7 October 2025, the FCA introduced a consultation paper for an industry-wide compensation scheme. A summary of this proposed scheme is set out here: (FCA Consultation Paper CP25/27). We expect the FCA to publish the redress scheme by 4 December 2025. The FCA is also consulting on extending the deadline for Lenders to provide a response to consumer complaints, to 31 July 2026.
12.2 We are not authorised by the FCA. However, we are included on the register maintained by the FCA so that we can carry on insurance mediation activity, which is broadly the advising on, selling and administration of insurance contracts. This part of our business, including arrangements for complaints or redress if something goes wrong, is regulated by the SRA.
12.3 We are not authorised to give investment advice. If such advice is required, it should be provided by a person authorised by the FCA. We are authorised to carry out only a limited range of activities relating to investments incidental to the provision of our legal services. Details of these can be provided on request. Complaints and redress mechanisms for any such activities performed by us are provided through the SRA and the Legal Ombudsman.
12.4 Unless we are engaged expressly by you to give tax advice, we will assume you have your own tax adviser and our services will not include any tax advice in relation to any matter.
12.5 If a barrister is instructed pursuant to a CFA, their fees will be included within the Success Fee as an Expense provided that the barrister agrees to act under a separate CFA with this firm or as otherwise agreed by us.
12.6 Whilst the day-to-day handling of your matter may be conducted by different fee earners the person having overall responsibility for the provision of our legal services to you is Negar Yazdani.
12.7 In the event that any term, condition or provision of these Terms of Engagement is held to be a violation of any applicable law or statute or regulation, the same shall be deemed to be deleted from these Terms of Engagement and shall be of no force and effect and these Terms of Engagement shall remain in full force and effect as if such term, condition or provision had not originally been contained in these Terms of Engagement.
12.8 To be effective (and unless the Court orders otherwise), any variation of or supplement to these Terms of Engagement must be made in writing (but need not be contained in this document).
12.9 You expressly approve the DBA Fee / Success Fee in full. Similarly, all expenses incurred under the DBA / CFA are incurred with your express and/ or implied consent. In respect of the CFA, it has been explained to you that this means that any (if possible) assessment of the Success Fee will proceed on the indemnity basis and on the assumption that the amount of the Success Fee and/or expenses are reasonable in amount, pursuant to Civil Procedure Rules 46.9(3).
12.10 These Terms of Engagement do not require an actual signature such may be implied from correspondence.
12.11 We (including any third party funder as referred to in Clause 9.5 of the CFA / clause 12 of the DBA above) may assign the benefit of the CFA / DBA, and the benefit of the Engagement Letter together with any other rights created between us, to any third party law firm and you consent for us to do this. This will not affect your rights as the Client and will not be on any more onerous terms to you. In this circumstance, you will be notified by us and will be given a period of 14 days to cancel. We may also subcontract all rights under the CFA / DBA to others. This CFA / DBA is personal to you and is not assignable by you except by your personal representatives. The benefits of any ATE policy taken out on your behalf may also be assigned to a third party funder. By signing the DBA / CFA and accepting these Terms of Engagement, you confirm your acknowledgement of such assignment(s).
12.12 We may, at any time, modify these Terms of Engagement and our Privacy Policy and we will provide you with notice of the same.
13. Anti-Money Laundering Requirements
13.1 Under The Money Laundering Regulations 2017 (MLR) and The Proceeds of Crime Act 2002 (POCA) all law firm employees and partners are required to report any knowledge or suspicion of money laundering or client involvement in the proceeds of crime to the National Crime Agency (NCA). Proceeds of crime have no lower limit and could mean cash income you have earned which has not been disclosed to the Inland Revenue, or the welfare benefits agency.
13.2 With regard to MLR, unless prior written agreement has been obtained, our policy is not to accept cash payments in excess of £1,500. If you ignore this policy by depositing larger sums of cash, we reserve the right to charge you for any additional checks we determine are necessary to prove the source of the funds.
13.3 Where we have to pay money to you, it will be paid by cheque or bank transfer. It will not be paid in cash or to a third party.
13.4 We are required to conduct certain anti-money laundering checks to comply with our regulatory obligations which may include a PEP and sanctions check and a soft credit search.
14. Client Care and Complaint Handling
14.1 We are committed to providing high quality legal advice and client care. If you are unhappy about any aspect of service you have received, please contact Rebecca Riches. If you need to speak to anyone else you can contact Negar Yazdani, the Managing Partner at [email protected].
14.2 We are subject to a professional Code of Conduct, which can be obtained from the SRA or from their website.
14.3 Our complaints procedure is available by email or post upon request. We have eight weeks to consider your complaint. If we have not resolved it within this time, you may complain to the Legal Ombudsman. If you are not satisfied with our handling of your complaint, you can contact them (0300 5550333, [email protected], PO Box 6167, Slough SL1 0EH, or at www.legalombudsman.org.uk). The Legal Ombudsman investigates complaints about service issues with lawyers. The Legal Ombudsman expects complaints to be made to them within one year of the date of the act or omission about which you are concerned or within one year of you realising there was a concern. You must also refer your concerns to the Legal Ombudsman within six months of your final response to you.
14.4 Our professional indemnity insurance is with Bridgehaven Specialty UK Limited (policy no P10809425) and we can provide you with a copy of the policy on request.
15. Data Protection
In accordance with the General Data Protection Regulation 2018, we may use (and you consent to the use of) your personal information together with other information: to provide legal services, marketing, administration and training and for sharing with third parties (including third party funders, related companies, associates and services providers we may engage from time to time). Some of these entities may be based outside of England and Wales. Any providers we use are bound by confidentiality agreements to protect your information.
16. Client Care Standards
We operate a system throughout our offices of insisting our staff meet certain standards regarding client care. As part of our quality control procedures, files are reviewed periodically by approved professional bodies and by signing this Agreement you are confirming your consent to such reviews.
17. Fee Sharing and Introduction
17.1 If you were introduced to us by a third party, we may have entered arrangements with that third party to pay them a referral fee. Different arrangements exist with different introducers, however, the maximum we pay the third party is 50% of the Success Fee you are liable to pay us. This fee does not have any additional effect on you and on the fees you must pay us, and we remain independent solicitors with a duty to you alone. As set out at Clause 12.11 of these Terms of Engagement, we work with litigation funders and we would be happy to give you further information about the fee payable in your case on request.
17.2 We may also keep your information for a reasonable period to contact you about our services and third party services but will do so by your preferred method, and you may decide at any time that you no longer wish to be contacted. If you give us information about another individual for business purposes, you do so on the basis that the individual has agreed and has consented to the processing of his or her personal data including sensitive personal data.
18. Retention of File
Upon conclusion, we will provide you with written notification of how long we will retain the file of papers and during that period you are free to request retrieval of the file at any time although we may an off-site location for archiving and we do ask you to allow us a period of 14 days from the date of your request to comply with your file retrieval request.
19. Communication
You agree that we may correspond with you by email and that we may send you our final invoice by this method. You acknowledge that that electronic communication carries with it the possibility of inadvertent misdirection, interception, or non-delivery of confidential material. Please let us know in writing if you do not want to receive any correspondence from us on your matter by email.
20. Confidentiality
We are under a strict professional duty of confidentiality to you. The only exceptions to this are when you authorise us to disclose information, we are required to make a disclosure under applicable regulations/legislation or we are otherwise required to do so by law.
21. Governing Law and Jurisdiction
These Terms of Engagement and any dispute or claim arising out of or in connection with it or its subject matter will be governed by and construed in accordance with the laws of England and Wales. The Courts of England and Wales will have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with these Terms of Engagement or its subject matter.
BlueLion Claims
BlueLion Claims is a trading name of BlueLion Law Limited; a private limited company registered in England & Wales (company no 12276560) with its registered office at The Centro Buildings, 20–23 Mandela Street, London NW1 0DU. Regulated by the Solicitors Regulation Authority under SRA number 815166.
BlueLion Claims | The Centro Buildings | 20–23 Mandela Street | London | NW1 0DU www.bluelionclaims.co.uk Call: +44 20 8153 0033 Email: [email protected]
Valid8 Privacy Policy
Valid8 IP Ltd acts as an intermediary and technology service provider between service providers, companies who offer advice and consumers
Our postal address is: – Suite 3 Foundation 2 George Street Altrincham WA14 1SG
We are registered with the Information Commissioner’s Office (Reg. No. CSN3443818).
This privacy policy sets out how Valid8 IP Ltd, collects, uses and protects your information when you use this website or our services, in accordance with the Data Protection Act 2018 and the UK General Data Protection Regulation (UK GDPR).
Valid8 IP Ltd is the controller and is responsible for your personal data. We are committed to ensuring that your privacy is protected. By using our website and/or our services, you may be providing us with some of your personal information and we want to make sure that we do not use your data in a way that you would not expect. Valid8 IP Ltd assure you that your personal information will only be used in accordance with this privacy policy and in compliance with the latest privacy regulations.
Valid8 IP Ltd may change this policy in future by updating this page. You should check this page from time to time to ensure that you are happy with any changes.
Personal Information We Collect
Personal information is any information about an individual from which that person can be identified. It does not include data which has been anonymised.
We may collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows:
Contact information: Name, current and previous addresses (including postal, email and IP addresses) and telephone numbers.
Identity Data includes first name, maiden name, last name, username or similar identifier, marital status, title, date of birth and gender.
Financial Data: includes information on your financial circumstances, the lenders or financial institutions used by you, the financial products you have taken out and the details and status of those financial products.
Usage Data includes information about how you use our website, products and services. This may include your IP address, geographical location, browser type and version, operating system, referral source, length of visit, page views and website navigation paths, as well as information about the timing, frequency and pattern of your service use. The source of the usage data is our analytics tracking system.
Marketing and Communications Data includes your preferences in receiving marketing from us and our third party partners and your communication preferences.
Special Category Data: We will only process special category data where you have provided this to us and given your explicit consent to store it or we have a legal/regulatory obligation to. This includes race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health and genetic and biometric data.
This list may not include all the information we require when providing our service/s. The information we ask you for will relate to your specific enquiry and will only consist of the information we need to carry out our service. If you contact us other than via our website, we will keep a record of that correspondence and a copy of call recordings.
Method of collection
Direct interactions: By you filling in forms on our website or social media or by corresponding with us by post, phone, email or otherwise.
Third parties: We may receive information about you from a third-party partner firm who you have provide permission to share your data.
Public sources: The DVLA or from publicly available data.
Credit Reference Agencies: Equifax, Experian and TransUnion (for credit reports)
Data Sharing Platform: Equifax Ltd (for sharing bank transaction data)
We will always inform you where we have obtained your information from if requested by you.
The basis on which we process your information
The legal grounds for processing your personal information depend upon the nature of our relationship with you and the context of processing and are as follows:
Processing is necessary for the performance of a contract with you, or to take steps prior to entering into a contract with you.
Processing is necessary for the purposes of your legitimate interests or our legitimate interests, where your fundamental rights and interests do not override those interests. In order to determine this we shall undertake a Legitimate Interests Assessment and balancing test.
Processing is necessary for compliance with mandatory legal or regulatory obligations to which we are subject
Processing is undertaken after you have given us your express consent.
What we use your personal information for
We collect/store or use your information to…
Legal basis
assist your claims management company, solicitor, law firm, debt management firm, insolvency practitioner, mortgage provider to provide the service you have requested
Consent or Legitimate Interest
send to your claims management company, solicitor, law firm, debt management firm, insolvency practitioner
Consent or Legitimate Interest
send to our service provider/contractor partners
Consent and/or Legitimate Interests
send you information or marketing about our products and services
Legitimate Interests and/or Consent
provide annual statistics to our regulator
Legal Obligation
resolve complaints against us or the establishment, exercise or defence of legal claims
Legitimate Interests and/or Legal Obligation
gather feedback to enable us to improve our website, products and services
Legitimate Interests
verify your identity where we receive requests to access or change the information we hold about you
Legal Obligation
maintain our accounts and records
Legal Obligation
comply with legal and regulatory obligations
Legal Obligation
research and analyse trends to better understand how users are using our website and services in order to improve them
Legitimate Interests
inform you about changes in our services and important service related notices, such as security and fraud issues
Legal Obligation
maintaining insurance coverage, managing risks, or obtaining professional advice
Legitimate Interests and/or Legal Obligation
Providing your personal data to others
We will disclose personal data to credit information firms TransUnion, Experian Ltd, Equifax Ltd for the purposes of obtaining your credit file or open banking. If you’d like to understand how the credit reference agencies use and share personal data (including the legitimate interests they pursue) please read the Credit Reference Agency Information Notice (CRAIN); http://www.transunion.co.uk/crain; https://www.equifax.co.uk/crain; https://www.experian.co.uk/legal/crain/
We will disclose your data to companies you are working with such as claims management companies, debt management firms, insolvency practitioners, solicitors or law firms, upon your consent to do so, for the purpose of enabling them to provide relevant services to you. Each such third party will act as a data controller in relation to the data that we supply to it; and each such third party will supply to you a copy of its own privacy policy, which will govern that third party’s use of your personal data.
We may disclose your personal data to insurers, compliance consultants and/or professional advisers in so far as reasonably necessary for the purposes of obtaining or maintaining insurance coverage, managing risks, obtaining professional advice, or the establishment, exercise or defence of legal claims, whether in court proceedings or in an administrative or out-of-court procedure.
We may disclose personal data to our suppliers or subcontractors, such as external printers, IT service providers, credit information firms, admin companies, call centres, compliance consultants and legal advisers.
Any external processors, who process your data on our behalf, are subject to a data processing agreement to ensure the safety and protection of your data. None of our processors are allowed to use your data for any other purposes than instructed by us.
In addition to the specific disclosures of personal data set out in this Section, we may disclose your personal data where such disclosure is necessary for compliance with a legal obligation to which we are subject, or in order to protect your vital interests or the vital interests of another natural person.
We may also disclose your personal data where such disclosure is necessary for the establishment, exercise or defence of legal claims, whether in court proceedings or in an administrative or out-of-court procedure.
Marketing
You are provided with choices regarding marketing and we record your preferences in relation to this and how we communicate with you.
We may rely on consent when we use your personal information for direct marketing. This will be where you have specifically consented to us or a third party that you are happy to receive marketing contact from us.
We may also rely on legitimate interests for our direct marketing. Our legitimate interests are to inform individuals about products or services which may be of interest to them. Our legitimate interest may also be our commercial interests in operating our business, which includes acquiring new customers, providing additional services to existing or previous customers that are similar or aligned with previous products or services and, expanding our operations.
You may also receive marketing communications from us if you have previously enquired about or purchased similar services from us and, in each case, you have not opted-out of receiving that marketing. This is known as a ‘soft opt-in’.
Such marketing communications may be in relation to claims management, financial advice and legal services which could be done by post, email, SMS or telephone.
To opt out of receiving future marketing under any lawful basis, or under soft opt in, in which we intend to rely on for direct marketing, please opt-out using the contact details provided in this Privacy Policy.
If you require any further information about the lawful basis we have relied on to send direct marketing to you, please do not hesitate to contact us.
Cookies
Cookies are text files placed on your computer to collect standard internet log information and visitor behaviour information. This information is used to track visitor use of the website and to compile statistical reports on website activity. These cookies are stored by the browser on your device. They can be used for a variety of purposes, such as identifying your previous visits to a website, researching the most popular features of a website.
For further information please feel free to visit our cookie policy page on valid8.co.uk . You can set your browser not to accept cookies and the following websites (www.aboutcookies.org or www.allaboutcookies.org) tell you how to remove cookies from your browser. However, in a few cases some of our website features may not function as a result.
Google cookies
Valid8 IP Ltd uses Google Analytics to monitor the use of its website valid8.co.uk . Google Analytics generates statistical and other information about website use by means of cookies, which are stored on users’ computers. The information generated relating to our website is used to create reports about the use of the website. Google will store and use this information. Google’s privacy policy is available at: http://www.google.com/privacypolicy.html
Refusing cookies
Most browsers allow you to refuse to accept cookies. Please see below for further details:
Please note: The Valid8 IP Ltd website contains hyperlinks to websites owned and operated by third parties. These third-party websites will have their own privacy policies, including cookies, and we suggest that you check them. They will govern the use of any personal information which is collected by cookies while visiting these websites. Valid8 IP Ltd cannot accept any responsibility or liability for the privacy practices of such third-party websites and your use of such websites is at your own risk.
How long do we keep your personal information
We retain your information for as long as is necessary for the purpose for which it was originally obtained. We have some legal and regulatory obligations to hold certain pieces of information for specific timeframes.
Credit Reports – will be stored for 30 days and then pseudonymised.
Banking Transaction Data – will be stored for 30 days and then deleted.
Where we have provided a service to you, we will hold all information relevant to this for 6 years to enable us to defend any claims/complaints made about our service. Information relating to any complaints will be held for 3 years.
We also need to keep some of your information for our accounting and reporting requirements.
Your contact details will be held for the purposes of direct marketing for6 years, this is to enable us to let you know about new products or services that may be of interest to you as detailed above.
Your Rights
You have the following rights in accordance with the UK GDPR and the DPA:
To know that your data is being processed
To access your personal data free of charge
To have your information corrected if inaccurate (including ensuring any third party puts right any inaccuracy)
To request that your data be erased
To restrict processing
To request transfer of your data
To object to processing and;
Rights relating to automated decision making and profiling
You may request that we to provide you with any personal information we hold about you. Where you send us a request to access your data, this will usually be free of change and sent to you within one month (unless your request is complex). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we may refuse to comply with your request in these circumstances.
We may need to request specific information from you to help us confirm your identity before we are able to process your request.
We may withhold personal information that you request to the extent permitted by law.
You may instruct us at any time not to process your personal information for marketing purposes.
If at any point you wish to raise a complaint regarding our data handling then you have the right to complain to the Information Commissioner’s Office (ICO) the supervisory authority for data protection issues in the UK whose information is available at www.ico.org.uk. However, we would appreciate to opportunity to deal with any concerns directly with you in the first instance.
The ICO’s address:
Information Commissioner’s Office Wycliffe House Water Lane, Wilmslow Cheshire SK9 5AF
Valid8 IP Ltd recognise the personal nature of the information we collect, process and store. Valid8 IP Ltd is committed to good data management to protect people from harm. All personal data provided to us is stored on our secure servers. As we are committed to ensuring that your information is secure, we have put in place suitable physical, electronic and managerial procedures to prevent loss, unauthorised access, misuse or disclosure and to make sure that your information is safe and secure. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need. They will only process your personal data on our instructions, and they are subject to a duty of confidentiality.
Links to other websites
Our website valid8.co.uk may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which may be collected or you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.
General and opt out
You may not transfer any of your rights under this privacy policy to any other person. We may transfer our rights under this privacy policy where we reasonably believe your rights will not be affected.
If any court or competent authority finds that any provision of this privacy policy (or part of any provision) is invalid, illegal or unenforceable, that provision or part-provision will, to the extent required, be deemed to be deleted, and the validity and enforceability of the other provisions of this privacy policy will not be affected. Unless otherwise agreed, no delay, act or omission by a party in exercising any right or remedy will be deemed a waiver of that, or any other, right or remedy.
BlueLion Claims Privacy Policy
BlueLion Claims is a trading style of BlueLion Law Limited.
This Privacy Policy sets out how BlueLion Claims, collects, uses and protects your information when you use this website or our services, in accordance with the Data Protection Act 2018 and the UK General Data Protection Regulation (UK GDPR).
BlueLion Claims is the controller and is responsible for your personal data. We are committed to ensuring that your privacy is protected. By using our website and/or our services, you may be providing us with some of your personal information and we want to make sure that we do not use your data in a way that you would not expect. BlueLion Claims assures you that your personal information will only be used in accordance with this Privacy Policy and in compliance with the latest privacy regulations.
BlueLion Claims may change this policy in future by updating this page. You should check this page from time to time to ensure that you are happy with any changes. This policy is effective from 15 December 2025.
Personal Information We Collect
Personal information is any information about an individual from which that person can be identified. It does not include data which has been anonymised.
We may collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows:
Contact information: Name, current and previous addresses (including postal, email and IP addresses) and telephone numbers.
Identity Data: Includes first name, maiden name, last name, username or similar identifier, marital status, title, date of birth and gender.
Financial Data: Includes information on your financial circumstances, the lenders or financial institutions used by you, the financial products you have taken out and the details and status of those financial products.
Usage Data Includes information about how you use our website, products and services. This may include your IP address, geographical location, browser type and version, operating system, referral source, length of visit, page views and website navigation paths, as well as information about the timing, frequency and pattern of your service use. The source of the usage data is our analytics tracking system.
Marketing and Communications Data: Includes your preferences in receiving marketing from us and our third parties and your communication preferences.
Special Category Data: We will only process special category data where you have provided this to us and given your explicit consent to store it or we have a legal/regulatory obligation to. This includes race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health and genetic and biometric data.
This list may not include all the information we require when providing our services. The information we ask you for will relate to your specific enquiry and will only consist of the information we need to carry out our service. If you contact us other than through our website, we will keep a record of that correspondence and a copy of call recordings.
Method Of Collection
Direct interactions: By you filling in forms on our website or social media or by corresponding with us by post, phone, email or otherwise.
Third parties or public sources: We may receive information about you from various reputable third-party lead providers, from our regulators, your lenders, DVLA or from publicly available data.
Credit information firms: We may verify your identity through third party credit information firms which will carry out a soft credit search. We will always obtain your consent to do this, and it will not affect your credit score in any way.
Updating you: We will always inform you of the source from which we have obtained your information, if requested by you.
The Basis On Which We Process Your Information
The legal grounds for processing your personal information depend upon the nature of our relationship with you and the context of processing, as follows:
Processing is necessary for the performance of a contract with you, or to take steps prior to entering into a contract with you.
Processing is necessary for the purposes of your legitimate interests or our legitimate interests, where your fundamental rights and interests do not override those interests. In order to determine this, we shall undertake a Legitimate Interests Assessment and balancing test.
Processing is necessary for compliance with mandatory legal or regulatory obligations to which we are subject.
Processing is undertaken after you have given us your express consent.
What We Use Your Personal Information For
We collect/store or use your information to:
Purpose
Legal basis
Provide the service you have requested
Contract
Obtain information from credit information firms to identify and support your claims
Consent
Send to our service providers/contractor partners (including, but not limited to, compliance consultants, barristers, experts, marketing providers and funders)
Contract and/or Legitimate Interests
Send you information or marketing about our products and services
Legitimate Interests and/or Consent
Contact you where you fail to fully complete our online form
Legitimate Interests and/or Contract
Provide reports, questionnaires, returns and declarations to our regulator
Legal Obligation
Resolve complaints against us or the establishment, exercise or defence of legal claims
Legitimate Interests and/or Legal Obligation
Gather feedback to enable us to improve our website, products and services
Legitimate Interests
Verify your identity where we receive requests to access or change the information we hold about you
Legal Obligation
Maintain our accounts and records
Legal Obligation
Comply with legal and regulatory obligations
Legal Obligation
Research and analyse trends to better understand how users are using our website and services in order to improve them
Legitimate Interests
Inform you about changes in our services and important service-related notices, such as security and fraud issues
Legal Obligation
Maintaining insurance coverage, managing risks, or obtaining professional advice
Legitimate Interests and/or Legal Obligation
Providing Your Personal Data To Others
We may disclose your data to one or more of our selected third-party service providers, upon your consent to do so, for the purpose of enabling them to contact you so that they can offer, market and provide relevant services to you. Each such third party will act as a data controller in relation to the data that we supply to it; and upon contacting you, each such third party will supply to you a copy of its own privacy policy, which will govern that third party’s use of your personal data.
We may disclose your personal data to insurers, compliance consultants and/or professional advisers in so far as reasonably necessary for the purposes of obtaining or maintaining insurance coverage, managing risks, obtaining professional advice, or the establishment, exercise or defence of legal claims, whether in court proceedings or in an administrative or out-of-court procedure.
We may disclose personal data to our suppliers or subcontractors, such as external printers, IT service providers, credit information firms, admin companies, call centres, compliance consultants, legal advisers, professional experts and barristers.
We may disclose personal data to our partner credit information firm, Valid8 IP Ltd, for the purposes of obtaining your credit file from one or more credit reference bureaus and you can view their privacy policy: Valid8 | IP.
With your consent we will carry out a soft credit search through Valid8 IP Ltd to identify and validate any potential claims you may have, and your information will be shared with the following credit reference bureaus:
Any external processors, who process your data on our behalf, are subject to a data processing agreement to ensure the safety and protection of your data. None of our processors are allowed to use your data for any other purposes than instructed by us.
In addition to the specific disclosures of personal data set out in this section, we may disclose your personal data where such disclosure is necessary for compliance with a legal obligation to which we are subject, or in order to protect your vital interests or the vital interests of another natural person.
We may also disclose your personal data where such disclosure is necessary for the establishment, exercise or defence of legal claims, whether in court proceedings or in an administrative or out-of-court procedure.
To assist us to provide our services to you we may use data processors that are outside of the European Economic Area (EEA). Robust and comprehensive due diligence is completed before we use any data processors outside the EEA. Where the country, territory, sector or international organisation that the transfer of personal data is being made has not got an EU Commission ‘adequacy decision’, the restricted transfer will only be made where there is an appropriate safeguard in place which will ensure that your rights and freedoms in respect of your personal data are protected. Please contact us if you need any further details about how we transfer personal data outside of the EEA and what safeguards are in place.
Marketing
You are provided with choices regarding marketing and we record your preferences in relation to this and how we communicate with you.
We may rely on consent when we use your personal information for direct marketing. This will be where you have specifically consented to us or a third party that you are happy to receive marketing contact from us.
We may also rely on legitimate interests for our direct marketing. Our legitimate interests are to inform individuals about products or services which may be of interest to them. Our legitimate interest may also be our commercial interests in operating our business, which includes acquiring new customers, providing additional services to existing or previous customers that are similar or aligned with previous products or services and expanding our operations.
You may also receive marketing communications from us if you have previously enquired about or purchased similar services from us and, in each case, you have not opted out of receiving that marketing. This is known as a ‘soft opt-in’.
Such marketing communications may be in relation to claims management, legal services and financial services which could be undertaken by post, email, SMS or telephone.
To opt out of receiving future marketing under any lawful basis, or under soft opt in, in which we intend to rely on for direct marketing, please opt out using the contact details provided in this Privacy Policy.
If you require any further information about the lawful basis we have relied on to send direct marketing to you, please do not hesitate to contact us.
Cookies
A cookie is a small file of letters and numbers that we store on your browser or the hard drive of your computer if you agree. As you interact with our website, we may collect Technical Data and Usage Data about your equipment, browsing actions and patterns. We collect this personal data by using Third-Party cookies, specifically Google Analytics. You can view Google’s privacy policy here: www.google.com/policies/privacy.
Our website uses cookies to distinguish you from other users of our website. This helps us to provide you with a good experience when you browse our website and also allows us to improve our site.
You will be asked to provide your consent for us to use cookies upon your first visit to our website.
You can set your browser to refuse all or some browser cookies, or to alert you when websites set or access cookies. Also, to opt out of being tracked via Google Analytics, you can use Google’s opt-out browser add-on: https://tools.google.com/dlpage/gaoptout
If you disable or refuse cookies, please note that some parts of this website may become inaccessible or not function properly.
How Long Do We Keep Your Personal Information
We retain your information for as long as is necessary for the purpose for which it was originally obtained. However, where we have provided a service, we will retain your information for 7 years from when the matter concluded.
We have some legal and regulatory obligations to hold certain pieces of information for specific timeframes.
We also need to keep some of your information for our accounting and reporting requirements.
Your contact details will be held for the purposes of direct marketing for 3 years; this is to enable us to let you know about new products or services that may be of interest to you as detailed above.
Your Rights
You have the following rights in accordance with the UK GDPR and the DPA:
To know that your data is being processed
To access your personal data free of charge
To have your information corrected if inaccurate (Including ensuring any third party puts right any inaccuracy)
To request that your data be erased
To restrict processing
To request transfer of your data
To object to processing
To maintain your rights relating to automated decision making and profiling
You may request that we to provide you with any personal information we hold about you. Where you send us a request to access your data, this will usually be free of change and sent to you within one month (unless your request is complex). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we may refuse to comply with your request in these circumstances.
We may need to request specific information from you to help us confirm your identity before we are able to process your request.
We may withhold personal information that you request to the extent permitted by law.
You may instruct us at any time not to process your personal information for marketing purposes.
We may use automated decision making in our claims process and/or profiling in order to send you targeted marketing.
You have the right to access details of the information we used to create your profile and the right to object to profiling, including profiling for marketing purposes.
You have the right to request human intervention or challenge an automated decision.
We do not use automated decision making which would produce legal or significant effects on individuals.
If at any point you wish to raise a complaint regarding our data handling then you have the right to complain to the Information Commissioner’s Office (ICO) which is the supervisory authority for data protection issues in the UK whose information is available at www.ico.org.uk. However, we would appreciate the opportunity to deal with any concerns directly with you in the first instance.
Security
BlueLion Claims recognises the personal nature of the information we collect, process and store. As we are committed to ensuring that your information is secure, we have put in place suitable physical, electronic and managerial procedures to prevent loss, unauthorised access, misuse or disclosure and to make sure that your information is safe and secure. If password access is required for certain parts of our website/application, you are responsible for keeping this password confidential.
Links To Other Websites
Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which may be collected or you provide whilst visiting such sites as such sites are not governed by this Privacy Policy. You should exercise caution and look at the privacy statement applicable to the website in question.
General and Opt Out
You may not transfer any of your rights under this Privacy Policy to any other person. We may transfer our rights under this Privacy Policy where we reasonably consider your rights will not be affected.
If any court or competent authority finds that any provision of this Privacy Policy (or part of any provision) is invalid, illegal or unenforceable, that provision or part-provision will, to the extent required, be deemed to be deleted, and the validity and enforceability of the other provisions of this Privacy Policy will not be affected. Unless otherwise agreed, no delay, act or omission by a party in exercising any right or remedy will be deemed a waiver of that, or any other, right or remedy.
If you have any queries relating to our Privacy Policy or the personal data we hold about you, wish to opt out of marketing or you wish to invoke any of your legal rights, you can contact us by:
Post: BlueLion Claims, The Centro Buildings, 20–23 Mandela Street, London NW1 0DU
This Privacy Policy sets out how BlueLion Claims, collects, uses and protects your information when you use this website or our services, in accordance with the Data Protection Act 2018 and the UK General Data Protection Regulation (UK GDPR).
BlueLion Claims is the controller and is responsible for your personal data. We are committed to ensuring that your privacy is protected. By using our website and/or our services, you may be providing us with some of your personal information and we want to make sure that we do not use your data in a way that you would not expect. BlueLion Claims assures you that your personal information will only be used in accordance with this Privacy Policy and in compliance with the latest privacy regulations.
BlueLion Claims may change this policy in future by updating this page. You should check this page from time to time to ensure that you are happy with any changes. This policy is effective from 15 December 2025.
Personal Information We Collect
Personal information is any information about an individual from which that person can be identified. It does not include data which has been anonymised.
We may collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows:
Contact information: Name, current and previous addresses (including postal, email and IP addresses) and telephone numbers.
Identity Data: Includes first name, maiden name, last name, username or similar identifier, marital status, title, date of birth and gender.
Financial Data: Includes information on your financial circumstances, the lenders or financial institutions used by you, the financial products you have taken out and the details and status of those financial products.
Usage Data Includes information about how you use our website, products and services. This may include your IP address, geographical location, browser type and version, operating system, referral source, length of visit, page views and website navigation paths, as well as information about the timing, frequency and pattern of your service use. The source of the usage data is our analytics tracking system.
Marketing and Communications Data: Includes your preferences in receiving marketing from us and our third parties and your communication preferences.
Special Category Data: We will only process special category data where you have provided this to us and given your explicit consent to store it or we have a legal/regulatory obligation to. This includes race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health and genetic and biometric data.
This list may not include all the information we require when providing our services. The information we ask you for will relate to your specific enquiry and will only consist of the information we need to carry out our service. If you contact us other than through our website, we will keep a record of that correspondence and a copy of call recordings.
Method Of Collection
Direct interactions: By you filling in forms on our website or social media or by corresponding with us by post, phone, email or otherwise.
Third parties or public sources: We may receive information about you from various reputable third-party lead providers, from our regulators, your lenders, DVLA or from publicly available data.
Credit information firms: We may verify your identity through third party credit information firms which will carry out a soft credit search. We will always obtain your consent to do this, and it will not affect your credit score in any way.
Updating you: We will always inform you of the source from which we have obtained your information, if requested by you.
The Basis On Which We Process Your Information
The legal grounds for processing your personal information depend upon the nature of our relationship with you and the context of processing, as follows:
Processing is necessary for the performance of a contract with you, or to take steps prior to entering into a contract with you.
Processing is necessary for the purposes of your legitimate interests or our legitimate interests, where your fundamental rights and interests do not override those interests. In order to determine this, we shall undertake a Legitimate Interests Assessment and balancing test.
Processing is necessary for compliance with mandatory legal or regulatory obligations to which we are subject.
Processing is undertaken after you have given us your express consent.
What We Use Your Personal Information For
We collect/store or use your information to:
Purpose
Legal basis
Provide the service you have requested
Contract
Obtain information from credit information firms to identify and support your claims
Consent
Send to our service providers/contractor partners (including, but not limited to, compliance consultants, barristers, experts, marketing providers and funders)
Contract and/or Legitimate Interests
Send you information or marketing about our products and services
Legitimate Interests and/or Consent
Contact you where you fail to fully complete our online form
Legitimate Interests and/or Contract
Provide reports, questionnaires, returns and declarations to our regulator
Legal Obligation
Resolve complaints against us or the establishment, exercise or defence of legal claims
Legitimate Interests and/or Legal Obligation
Gather feedback to enable us to improve our website, products and services
Legitimate Interests
Verify your identity where we receive requests to access or change the information we hold about you
Legal Obligation
Maintain our accounts and records
Legal Obligation
Comply with legal and regulatory obligations
Legal Obligation
Research and analyse trends to better understand how users are using our website and services in order to improve them
Legitimate Interests
Inform you about changes in our services and important service-related notices, such as security and fraud issues
Legal Obligation
Maintaining insurance coverage, managing risks, or obtaining professional advice
Legitimate Interests and/or Legal Obligation
Providing Your Personal Data To Others
We may disclose your data to one or more of our selected third-party service providers, upon your consent to do so, for the purpose of enabling them to contact you so that they can offer, market and provide relevant services to you. Each such third party will act as a data controller in relation to the data that we supply to it; and upon contacting you, each such third party will supply to you a copy of its own privacy policy, which will govern that third party’s use of your personal data.
We may disclose your personal data to insurers, compliance consultants and/or professional advisers in so far as reasonably necessary for the purposes of obtaining or maintaining insurance coverage, managing risks, obtaining professional advice, or the establishment, exercise or defence of legal claims, whether in court proceedings or in an administrative or out-of-court procedure.
We may disclose personal data to our suppliers or subcontractors, such as external printers, IT service providers, credit information firms, admin companies, call centres, compliance consultants, legal advisers, professional experts and barristers.
We may disclose personal data to our partner credit information firm, Valid8 IP Ltd, for the purposes of obtaining your credit file from one or more credit reference bureaus and you can view their privacy policy: Valid8 | IP.
With your consent we will carry out a soft credit search through Valid8 IP Ltd to identify and validate any potential claims you may have, and your information will be shared with the following credit reference bureaus:
Any external processors, who process your data on our behalf, are subject to a data processing agreement to ensure the safety and protection of your data. None of our processors are allowed to use your data for any other purposes than instructed by us.
In addition to the specific disclosures of personal data set out in this section, we may disclose your personal data where such disclosure is necessary for compliance with a legal obligation to which we are subject, or in order to protect your vital interests or the vital interests of another natural person.
We may also disclose your personal data where such disclosure is necessary for the establishment, exercise or defence of legal claims, whether in court proceedings or in an administrative or out-of-court procedure.
To assist us to provide our services to you we may use data processors that are outside of the European Economic Area (EEA). Robust and comprehensive due diligence is completed before we use any data processors outside the EEA. Where the country, territory, sector or international organisation that the transfer of personal data is being made has not got an EU Commission ‘adequacy decision’, the restricted transfer will only be made where there is an appropriate safeguard in place which will ensure that your rights and freedoms in respect of your personal data are protected. Please contact us if you need any further details about how we transfer personal data outside of the EEA and what safeguards are in place.
Marketing
You are provided with choices regarding marketing and we record your preferences in relation to this and how we communicate with you.
We may rely on consent when we use your personal information for direct marketing. This will be where you have specifically consented to us or a third party that you are happy to receive marketing contact from us.
We may also rely on legitimate interests for our direct marketing. Our legitimate interests are to inform individuals about products or services which may be of interest to them. Our legitimate interest may also be our commercial interests in operating our business, which includes acquiring new customers, providing additional services to existing or previous customers that are similar or aligned with previous products or services and expanding our operations.
You may also receive marketing communications from us if you have previously enquired about or purchased similar services from us and, in each case, you have not opted out of receiving that marketing. This is known as a ‘soft opt-in’.
Such marketing communications may be in relation to claims management, legal services and financial services which could be undertaken by post, email, SMS or telephone.
To opt out of receiving future marketing under any lawful basis, or under soft opt in, in which we intend to rely on for direct marketing, please opt out using the contact details provided in this Privacy Policy.
If you require any further information about the lawful basis we have relied on to send direct marketing to you, please do not hesitate to contact us.
Cookies
A cookie is a small file of letters and numbers that we store on your browser or the hard drive of your computer if you agree. As you interact with our website, we may collect Technical Data and Usage Data about your equipment, browsing actions and patterns. We collect this personal data by using Third-Party cookies, specifically Google Analytics. You can view Google’s privacy policy here: www.google.com/policies/privacy.
Our website uses cookies to distinguish you from other users of our website. This helps us to provide you with a good experience when you browse our website and also allows us to improve our site.
You will be asked to provide your consent for us to use cookies upon your first visit to our website.
You can set your browser to refuse all or some browser cookies, or to alert you when websites set or access cookies. Also, to opt out of being tracked via Google Analytics, you can use Google’s opt-out browser add-on: https://tools.google.com/dlpage/gaoptout
If you disable or refuse cookies, please note that some parts of this website may become inaccessible or not function properly.
How Long Do We Keep Your Personal Information
We retain your information for as long as is necessary for the purpose for which it was originally obtained. However, where we have provided a service, we will retain your information for 7 years from when the matter concluded.
We have some legal and regulatory obligations to hold certain pieces of information for specific timeframes.
We also need to keep some of your information for our accounting and reporting requirements.
Your contact details will be held for the purposes of direct marketing for 3 years; this is to enable us to let you know about new products or services that may be of interest to you as detailed above.
Your Rights
You have the following rights in accordance with the UK GDPR and the DPA:
To know that your data is being processed
To access your personal data free of charge
To have your information corrected if inaccurate (Including ensuring any third party puts right any inaccuracy)
To request that your data be erased
To restrict processing
To request transfer of your data
To object to processing
To maintain your rights relating to automated decision making and profiling
You may request that we to provide you with any personal information we hold about you. Where you send us a request to access your data, this will usually be free of change and sent to you within one month (unless your request is complex). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we may refuse to comply with your request in these circumstances.
We may need to request specific information from you to help us confirm your identity before we are able to process your request.
We may withhold personal information that you request to the extent permitted by law.
You may instruct us at any time not to process your personal information for marketing purposes.
We may use automated decision making in our claims process and/or profiling in order to send you targeted marketing.
You have the right to access details of the information we used to create your profile and the right to object to profiling, including profiling for marketing purposes.
You have the right to request human intervention or challenge an automated decision.
We do not use automated decision making which would produce legal or significant effects on individuals.
If at any point you wish to raise a complaint regarding our data handling then you have the right to complain to the Information Commissioner’s Office (ICO) which is the supervisory authority for data protection issues in the UK whose information is available at www.ico.org.uk. However, we would appreciate the opportunity to deal with any concerns directly with you in the first instance.
Security
BlueLion Claims recognises the personal nature of the information we collect, process and store. As we are committed to ensuring that your information is secure, we have put in place suitable physical, electronic and managerial procedures to prevent loss, unauthorised access, misuse or disclosure and to make sure that your information is safe and secure. If password access is required for certain parts of our website/application, you are responsible for keeping this password confidential.
Links To Other Websites
Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which may be collected or you provide whilst visiting such sites as such sites are not governed by this Privacy Policy. You should exercise caution and look at the privacy statement applicable to the website in question.
General and Opt Out
You may not transfer any of your rights under this Privacy Policy to any other person. We may transfer our rights under this Privacy Policy where we reasonably consider your rights will not be affected.
If any court or competent authority finds that any provision of this Privacy Policy (or part of any provision) is invalid, illegal or unenforceable, that provision or part-provision will, to the extent required, be deemed to be deleted, and the validity and enforceability of the other provisions of this Privacy Policy will not be affected. Unless otherwise agreed, no delay, act or omission by a party in exercising any right or remedy will be deemed a waiver of that, or any other, right or remedy.
If you have any queries relating to our Privacy Policy or the personal data we hold about you, wish to opt out of marketing or you wish to invoke any of your legal rights, you can contact us by:
