GR LIMITED TERMS & CONDITIONS

1. For the purposes of these Terms and Conditions the following definitions apply: 1.1. The Bank - any bank, building society, credit provider, person, firm or company that provided credit and/or mortgage facilities to the Client, or imposed charges on the Client. 1.2. The Insurance Company - any insurance company which provided insurance products such as but not limited to life insurance, term insurance, keyman, critical illness personal pension and /or annuities linked to a personal pension. 1.3. The Broker - any person, firm or any other entity which provided the services of a broker, agent or intermediary for the sale to the client of any of the products identified in sections 1.1 and 1.2 but not limited to same. 1.4. The Client - the client of the Company (and as appropriate I/We and my/our shall mean the client of the Company) 1.5. The Company or GR - General Recoveries Limited, registered in England and Wales at Companies House under no. 06734438 1.6. The claim/claims - a claim for compensation or recovery of monies made by the Company on behalf of the Client and includes but is not limited to claims for miss-selling of payment protection insurance, mortgage products, loan products, general or specific insurance products, claims for credit card charges and/or bank charges, claims in respect of sections 1.1 and 1.2 above either through the Financial Ombudsman Service, the Financial Services Compensation Scheme (FSCS), or the legal process or otherwise 2. For the provisions of the service/services the client agrees to pay the Company the administration costs of running the claim in the sum of 125 plus VAT (at the prevailing rate), such sum to be deductible from the companys fee charged upon a successful conclusion of a claim or claim. The administrative cost is payable for each stand alone product sold to the client by the provider or facilitator of the Mortgage/broker/lender/insurance product in respect of which the client instructs the Company to pursue a claim on their behalf 3. In so far as a reference of a claim the FSCS the client is hereby advised that the scheme in many instances will only pay 90% of a claim. This payment is governed under statute which is laid down by the government. 4. The Company is hereby instructed to act as my/our representative in the settlement of my claim on the mortgage/loan/PPI or general insurance product, hereafter called my claim. (which in this contact includes any generic provider of financial services). 5. I/We agree that no agency other than GR is currently acting for me/us in the settlement of my claim and that GR is appointed as my/our sole representative in relation to this/these matter(s). 6. Information relating to my/our claim will be provided to GR upon commencement for this instruction. GR will advise me/us of any further information required to pursue my/our claim and I/we will provide this information as soon as possible. 7. Upon receipt of this information from me/us and (where relevant), any additional information requested from the provider or facilitator of the Mortgage/broker/lender/ insurance product, GR may calculate the amount owed to me/us by the provider or facilitator of the Mortgage/broker/lender/insurance product in respect of the settlement of my/our mortgage/broker/lender/insurance product claim (plus interest here due). 8. Should any direct communication regarding this matter (including letters, telephone calls, or in personal conversations with our provider or facilitator of the mortgage/broker/lender/insurance products staff members to be entered into with the provider or facilitator of the Mortgage/broker/lender/insurance product, I/We will report this to GR, within 3 days from receipt and forward all relevant documentation directly to GR. 9. GR will submit all necessary correspondence to the provider or facilitator of the Mortgage/broker/lender/insurance product and negotiate for the recovery of my/our claim. I/We shall not enter into any pre-settlement negotiations with the provider or facilitator of the Mortgage/broker/lender/insurance product unless strictly agreed (in writing) in advance with the Company. 10. Where requested I/We shall pay the appropriate 10.00 fee to access my/our file (Data, Subject, Access Request) and/or the appropriate 1.00 fee for Section 77/78 Request under the Consumer Credit Act for further information regarding my/ our account. 11. I/We acknowledge that if I/We provide any information to the Company which is untrue or misleading that I/We will be liable for all fees (and any disbursements, including any solicitors cost and court fees) which will become payable within 14 days or receipt by me/us of the Companys invoice. Work already completed by the Company may become chargeable at a reasonable rate (estimated at 95.00 plus VAT per hour). 12. Upon settlement of the Clients Claim the Company shall charge the Client a fee of 25% plus VAT on all amounts recovered by the Client from the Clients Claim. The Companys fees apply to the total value of all benefits, monetary or otherwise saved or recovered by the Client. 13. The Companys standard fee of 25% plus VAT is payable on any other amounts recovered by the Company for the Client. 14. The Client agrees that all monies recovered from the provider or facilitator of the Mortgage/broker/lender/insurance product shall be paid directly to the Company. The Company is hereby authorised by the Client to deduct from the amount recovered from the provider or facilitator of the Mortgage/broker/lender/insurance product the Companys fees (plus any other monies that the Company may have paid out on the Clients behalf prior to forwarding the balance onto the Client. The Company shall provide the Client with a receipted statement upon settlement to identify the amounts paid to the Company. 15. If the provider or facilitator of the Mortgage/broker/lender/insurance product pays any settlement monies directly to the Client and/or if they reduce any of the clients debit balances by the settlement then the Client will become liable to pay the Companys fee (and any other monies paid out on the Clients behalf) directly to the Company. Further the Client agrees to notify the Company of any settlement received directly from the provider or facilitator of the Mortgage/broker/lender/ insurance product within 2 working days of receipt whereupon the Company will issue the Client with an invoice for its services which becomes payable within 7 days. 16. The Client agrees that the Company can deduct its fees for the claim from the Clients credit/debit card upon completion of the Claim. 17. At its discretion, the Company may charge interest on any unpaid fees at the rate of 5% per annum over the base lending rate of HSBC Bank plc from time to time. 18. The Client agrees not to accept any settlement that is sent directly to the Client by the provider or facilitator of the Mortgage/broker/lender/insurance product without the Companys prior written consent. 19. This agreement may be terminated in the following circumstances: 19.1. If in the Companys opinion the likely amount recoverable is deemed not sufficiently commercially viable. 19.2. The Client may terminate instructions at any time by written notice to the Company within 14 days from the date of signing the Terms of Service (it is recommended that any notices sent to the Company are by Recorded Delivery). 19.3. Any termination by the Client after the 14 days period is not permitted save in exceptional circumstances whereupon the Client shall be liable for the Companys costs which shall be equal to the sum payable should the Clients Claim have been settled in full. 20. The Client acknowledges that the Company shall not disclose any of the Clients personal information save as expressly allowed in these Terms & Conditions. 20.1. All Clients personal data will be held in accordance with the terms of the Companys privacy policy. All data is held in accordance with the provisions of the Data Protection Act 1998 (DPA). 20.2. The Company agrees to comply with any written Data Subject, Access Request under the DPA made by the Client for the personal data that the Company holds subject to any exemptions that may apply from time to time. The Company charges an administration fee of 10 (or any other fee prevailing from time to time) for this information. 20.3. The Company further agrees to correct any inaccuracies in the Clients personal data held at the request of the Client. 20.4. Upon acceptance of these Terms and Conditions and the Companys privacy policy (and unless and until the Company receives written instruction to the contrary) the Client agrees that the Company may share the Clients personal information with provider or facilitator of the Mortgage/broker/lender/insurance products, Financial Advisors or other relevant institutions and to affiliates, associated companies, or firms or service partners for the purposes of assisting the Client with the Clients Claim for compensation or any other financial matters that the Company believes may be of assistance to the Client. 20.5. The Client acknowledges and agrees that its personal data may be submitted to a credit reference agency and processed on behalf of the Company in connection with these services. 21. This agreement is governed by the English Law and under the jurisdiction of the Courts of England and Wales. 22. These terms and conditions apply to any and all of the Companys products or services for which the Client has instructed the Company to act on its behalf. 23. The Client hereby permits the Company to offer the Client other advisory products and/or services to the Client at the Companys discretion. 24. Any monies paid by the Client to the Company in advance of a claim being processed will be refunded within 14 days on receipt of written request by the Company for cancellation. 25. Any Claim submitted to the Company will be subject to these terms and conditions. 26. The Client has the right to cancel this arrangement within 14 days from signing the Companys Terms of Service and in which case the Client will receive a full refund. It is the Companys Policy that administration fees are only processed after the Client has received a copy of these Terms and Conditions. 28. Non Payment of Invoice All invoices must be paid in full within 7 days. The cost of any calls and reminders may be added to any outstanding fees at the rate of 10 each written reminder, 5 for each telephone call and 75 plus VAT for any solicitors letter before action.

GENERAL RECOVERIES LIMITED, Enterprise House, Aber Industrial Park, Flint, Flintshire CH6 5EX

CLAIM PACK

Regulated by the MOJ Registration Number CRM 17126 Consumer Credit Licence No 633305 Data Protection Act No Z1792514

2 Easy steps to get YOUR MONEY BACK

Review the details we have already completed and amend anything that is inaccurate. Please try to complete any outstanding information; sign and date the TERMS OF SERVICE and LETTER OF AUTHORITY where you see the Sign & Date Joint policies will require both signatures. Return the completed CLAIM PACK to us using the envelope provided. Please send in any paperwork you still have from the time of sale with your claim pack (e.g. loan agreement, policy schedule or any point of sale documents). Do not worry if you no longer have these.

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YOUR DETAILS
1st Policy Holder:

Claim Ref:
2nd Policy Holder:

Address:

Postcode:

E-mail address:

Date of Birth 1st Policy Holder:

Date of Birth 2nd Policy Holder:

Home Tel:

Work Tel:

Mobile Tel:

Client 1 Occupation:

Client 2 Occupation:

Client

Sign & Date

Sign Here Date

Client Helpline: 01352 731009 Email: info@generalrecoveries.com

YOUR MORTGAGE / LOAN / INSURANCE PRODUCT DETAILS

Name of the company who provided your mortgage/loan/Insurance product:

YOUR MORTGAGE / LOAN / INSURANCE PRODUCT DETAILS

OUR SERVICES SERVICE CHARGE The services provided by The Company consist of: The Company will charge 25% + VAT on all compensations recov(a) An assessment of a potential claim for compensation arising in respect of our Insurance/Mortgage or Linked Product by any Third Party. (b) Representing the Clients (s) claim for compensation where The Company considers there is a potential claim (c) Negotiating and obtaining a The Company considers appropriate settlement that ered from the client because of the complex nature of insurance and mortgage claims we make a small up-front charge for these claims. We have to pay statutory costs to the companies who sold you these products.

Mortgage/Loan/Insurance Product provider (if different from above):

Mortgage/Loan/Insurance Product Number:

Monthly Payment:

Mortgage/Loan/Insurance Product start date:

Mortgage/Loan/Insurance Product

Yes m

No m

Mortgage/Loan/Insurance Product end date:

Mortgage/Loan/Insurance Product value if known:

(d) Where necessary and appropriate, The Company may negotiate the case through the Financial Ombudsman Service (FOS) or through the Financial Services Compensation Scheme (FSCS) The Company reserves the right at any time and at its sole discretion, not to pursue a claim for compensation by notifying the client in writing and will where applicable, instruct a solicitor from their panel to issue legal proceedings on your behalf.

Important You have the right to cancel this agreement within 14 days of signing below. You have the right as a client to waive the rights to cancel as identified at the Claims Track Service above, if you wish us to proceed straight away with your claim please sign and date the box below. If the financial product is a joint product please both sign the box below and date the signature. There are some circumstances where a successful claim will not result in you receiving a direct payment but rather as a reduction in a clients liability . In these circumstances our success fee may be waved in favour of a lower fixed fee. Agreement to Terms and Conditions I/We have read the Terms and Conditions overleaf, specifically those relating to my/our payment obligations. Sign Here: Date:

How did you apply for your Mortgage/Loan/Insurance Product? (Please tick relevant circle) Internet/Online m Phone m Face-to-Face m Other m

Client 1
Sign & Date
Sign Here Date

Client 2
Sign Here Date

What is the status of your Mortgage/Loan/Insurance Product? (Please tick relevant circle) In arrears m No arrears m Loss still current m Paid in full m

Client Helpline: 01352 731009 Email: info@generalrecoveries.com Letter of Authority

Name: Address:

Any comments re the product:

Claim Ref:
Name: Address:

Postcode:

Postcode:

To Whom It May Concern

As provided for under DISP2.7.2R of the FSA Handbook, which states that A complaint maybe brought on behalf of an eligible complaint, or a deceased person who would have been eligible complainant, by a person authorised by the eligible complainant or authorised by law I/We hereby appoint and authorise General Recoveries Ltd to consider my/our claims for compensation in respect of mis-sold Loan and/or Payment Protection Insurance (PPI) and act on my/our behalf to seek compensation. I/We hereby advise that where there is wilful failure by the Third Party to follow my/our express instructions with regards to dealing with General Recoveries Ltd whom we have contracted with, this may render the offending party liable to legal recourse for procuring/inducing a breach of contract, restraint of trade, breaches of the Companies Act 1988, the Enterprise Act 2002 or Articles B1 & B2 of the EC Treaty. I/We confirm that I/We have lawfully contracted with General Recoveries Limited and authorise you to comply with any request for information may be made, whether by telephone or in writing (include fax or e-mail). This authority will endure until further notice. I/we confirm that I/We have legally contracted with General Recoveries Limited and have expressly consented that all communications and payments be paid directly to General Recoveries Limited which will then be forwarded to me/us. General Recoveries Limited will, where applicable, instruct a solicitor from their panel to issue legal proceedings on our behalf. This instruction relates to all products or claims with relation to the above names client. General Recoveries Limited, Enterprise House, Aber Industrial Park, Flint, Flintshire CH6 5EX Regulated by the MOJ CRM 17126
I/We confirm acceptance of this agreement and Charge Claims terms and conditions. I/We give them full authority to pursue/claim on my/our behalf.

Please ensure you quote the Customer Reference on all correspondence Client Helpline: 01352 731009 Email: info@generalrecoveries.com
Sign & Date

Client 1
Sign Here Date

Client 2
Sign Here Date