THE HOME OF CLAIMS FOR REFUNDS
Impakt Claims
Managing your claims, minimizing your stress!
- Experienced case handlers managing every step of the process
- Experienced in identifying cases where lender responses can be challenged
- Proven ability in representing customer cases to the Financial Ombudsman Service where necessary
About Us
We Help People Reclaim What is rightfully theirs
Use our claim service to help you get back what is rightfully yours.
Our Services
No Win, No Fee Services
Impakt Claims (A trading style of The Claims Experts Ltd) are an FCA-authorised and registered claims management company, with vast experience in dealing with consumer claims. Working to ensure customer claims are dealt with correctly, and that any, and all responses received are both fair and reasonable for our customers. We deal with a number of different types of complaints, ranging from SHORT-TERM LOANS, GUARANTOR LOANS, CATALOGUES AND SOME CREDIT CARDS.
Let Impakt Claims make a POSITIVE impact on you!
Mis-sold Finance Claims
If you've been mis-sold any type of finance claim, including pay day loans, etc. you may be eligible for a claim.
Fraud and Scam Claims
If you've been scammed, we can help. We have helped people recover money from crypto scams, romance scams and purchase scams.
Car Finance Claims
If you've been mis-sold your car finance, Impakt Claims can check free of charge for you to see if you are eligible for a refund.
As a responsible lender, all lenders must follow rules set out by the Financial Conduct Authority to ensure they lend money responsibly. Lenders need to check that it's fair and affordable for you to borrow money. If a lender fails to do so and still lends you money, you could be entitled to a refund of some or all of the interest and charges on those loans.
Affordability checks should always be undertaken by lenders. These checks may vary depending on the size of the loan or your lending history. Lenders should also consider any changes in your circumstances before approving a loan.
To determine if a loan is affordable, lenders should check that you can sustainably repay the loan over a reasonable period of time. If you can't make payments without borrowing from other lenders, the loan may not have been affordable and shouldn't have been offered to you.
The Claims Experts Ltd (Trading as Impakt Claims) has been successfully representing customers for a number of years and is happy to discuss potential claims with you.
WHAT IS MIS-SELLING? WAS MY LOAN UNAFFORDABLE?
As a responsible lender, all lenders must follow rules set out by the Financial Conduct Authority to ensure they lend money responsibly. Lenders need to check that it’s fair and affordable for you to borrow money. If a lender fails to do so and still lends you money, you could be entitled to a refund of some or all of the interest and charges on those loans.
Affordability checks should always be undertaken by lenders. These checks may vary depending on the size of the loan or your lending history. Lenders should also consider any changes in your circumstances before approving a loan.
To determine if a loan is affordable, lenders should check that you can sustainably repay the loan over a reasonable period of time. If you can’t make payments without borrowing from other lenders, the loan may not have been affordable and shouldn’t have been offered to you.
The Claims Experts Ltd (Trading as Impakt Claims) has been successfully representing customers for a number of years and is happy to discuss potential claims with you.
The Claims Process in 3 simple steps
Select
Select the lenders which you believe mis-sold you finance
Check
We will verify whether a claim can be made on your behalf
Confirm
We will build a case and manage your claim to conclusion
No Win No Fee* means you don’t need to worry about paying fees upfront. Quite simply, if we manage your case on your behalf and you don’t win any compensation, you don't pay us any fees. There's no catch. If your claim is rejected, you don’t pay a fee.
NO WIN NO FEE*
If we are successful in representing your claim, we take a percentage of the final compensation that you’ve been awarded. The percentage (or fee) is dependent on the amount of refund being offered, with the maximum percentage being 30% for a refund up to £1499. Even then, fees are capped at a maximum value depending on which refund band the claim falls in. Where the claim results in a refund and balance write off, the two are combined to calculate the total value of the claim. The fee payable then is the lower of the percentage of the total claim value, 75% of the refund amount or the maximum chargeable for that claim band. The table below illustrates, the fee percentages by refund band and the maximum fee chargeable for each band.
| Band | Redress | % Charge | Maximum charge (including VAT) |
| 1 | £1 - £1499 | 30% + VAT | £504 |
| 2 | £1,500 - £9,999 | 28% + VAT | £3000 |
| 3 | £10,000 - £24,999 | 25% + VAT | £6000 |
| 4 | £25,000 - £49,999 | 20% + VAT | £9000 |
| 5 | £50,000+ | 15% + VAT | £12,000 |
If your claim is successful but there is no cash payment, only a balance/debt reduction, there is no fee due for this claim.
No - there are no 'catches'. No Win No Fee* does what it says on the tin: if you don’t win, you don’t pay a fee. We aim to be completely transparent in all communication with our customers so you can be confident you don’t incur any additional or “hidden costs”. *Please refer to our pre-contract information sheet for a full breakdown of our fees structure.
TestimonialS
What Our Clients Say
We have helped thousands of people to re-claim money due to them. Here’s what just a few of them have said.