Mis-Sold Solar PV / Solar Panels
You could be entitled to claim compensation if you are not receiving the promised returns. We are only able to pursue claims where finance or a credit card were utilised for the purchase of the panels, as many solar panel merchants have ceased trading. For clients who have used finance, this has to have been arranged by the solar panel provider directly, as this results in the lender being jointly responsible.
Most of our claims against renewable energy companies who have mis-sold Solar PV systems to individuals, involve direct sales companies making unrealistic promises, which are not achievable. Our dedicated team of experts will challenge both contractual and verbal misrepresentations. Where required, we will obtain further expert witness reports to support our client’s claims, on a no upfront fee basis.
All of the above pursued by us on an entirely No Win, No Fee* basis with all up front costs met by ourselves!
Social Housing Disrepair Claim
- Are you a Social Housing Tenant with Disrepair in your Home?
- Do you have ongoing disrepair in your home?
- Have you complained to your local Council or Housing Association and they have failed to carry out the repairs?
- As a tenant living in a council or housing association property, you have the right to live in a safe and well-maintained home.
Icynene Spray Foam Insulation
There are two types of spray foam insulation:
Open cell spray foam insulation: This has cells that are not completely encapsulated. This makes the foam a more spongy and more flexible material.
Closed cell spray foam insulation: This has cells that are completely closed. This means that air and moisture are completely trapped and cannot get inside the foam. This sets much more rigidly.
The foam is applied in a liquid form using power foam sprayers, which once applied expands and turns into a solid coating. The foam does have a greater insulating property than many alternatives. However, it is the extent of the insulation that is the problem with most roof foam sprays because it
prevents ventilation of the attic space, which is a space that requires ventilation. The prevention of ventilation creates a build up of condensation, which over time is damaging to the loft pace. Roof foam spray of the closed cell version can also put stress onto supporting roof timbres causing distortion to the roof itself.
Mis-Sold Timeshare Claims
**CLC Fractional Membership Case**
**CLC Fractional Membership Case**: In May 2023, a landmark legal case resulted in Mrs. Justice Collins Rice upholding a decision by the Financial Ombudsman Service, which found that CLC Fractional membership was illegally sold as an investment. The ruling ordered Barclays Partner Finance, Hitachi Personal Finance (Novuna), Shawbrook Bank, Honeycomb Finance (Oplo), Link Financial, and First Holiday Finance to award compensation to all qualifying Club La Costa Fractional Owners Club members. This decision highlighted a broader issue within the timeshare industry, where companies continued mis-selling to victims despite previous claims and legal actions. The National Timeshare Helpline provides further details on this case and offers advice on how affected consumers can seek compensation [oai_citation:1,May 2023: CLC Loses Landmark Legal Case](https://www.national-timeshare-helpline.org.uk/blog/may-2023-clc-loses-landmark-legal-case).
Timeshare Exit Scam Claims
In recent years, the UK has witnessed a significant rise in timeshare exit scams, ensnaring unsuspecting timeshare owners with promises of freedom from their burdensome contracts. These schemes, often cloaked in the guise of legitimate legal assistance, have left many in a worse financial position than before. This blog delves into the mechanics of these scams, the red flags to watch for, and steps for legitimate timeshare exit.
Timeshare Disposals
We have had many timeshare owners come to us saying that they no longer want to continue owning their holiday ownership. If this sounds like you then get in touch with our claims experts and let them process a claim to cancel your timeshare ownership.
Many of our clients have witnessed an increase in management fees and found this unfair, others have had a change in their personal situations and no longer want it or many have perceived their timeshare as unneeded and have not been using it. Our in-house claims experts will work hard to fight your case. Opting out of Timeshare ownership is not straightforward and can be difficult. However, once Consumer Reclaim’s claims team has assessed your case, they will be able to provide you with the professional advice and service you need.
Mis-Sold Self-Invested Personal Pension
If you were given bad advice on your investments by a financial adviser or SIPP Provider which has resulted in you losing money, you may have been mis-sold your SIPP.
What is a SIPP?
A Self-Invested Personal Pension (SIPP) is a type of pension plan which allows you to choose where your money is invested, unlike a standard personal pension where your money is managed and investments chosen for you. Although SIPPs often offer a better return than a standard pension over time, SIPPs are a more complex and risky investment which requires experience and prior knowledge of investing to work effectively. This is why many who proceed with a SIPP use the services of a financial adviser to provide guidance regarding their investments.
Mis-Sold Goods or Services
You may have purchased goods or services which have proved to be not as they were originally described. You may have even taken out insurance where the limitations of the cover were not properly explained. If this is the case, then you may be able to claim compensation for your purchased Mis-Sold Goods or Services. We are only able to pursue claims on a No Win, No Fee* basis for mis-sold Goods or Services where a means of credit such as a credit card or retail finance was used for at least part of the payment for the goods or services. The reason for this being that whilst we could prove a valid claim against most rogue traders, more often than not they will simply cease to trade before payment of any refund. Where a means of credit is used in the transaction then consumer credit law makes the lender jointly and severally liable and, as such, even if the merchant is no longer trading a claim can be made against the lender.
PCP Car Finance Claims
The Financial Conduct Authority has carried out an investigation into car financing that has uncovered evidence of widespread mis-selling across various types of vehicle financing such as personal contract hire (PCP) and hire purchase (HP) agreements.
When offering finance agreements, dealerships should have offered customers a range of options to find the ‘right one’ for the customer. More often than not this has not been the case, resulting in customers paying considerably more than they should.
Japanese Knotweed
If Japanese knotweed has encroached on your property, we may be able to help you with removal of the plant, together with securing compensation for any loss of value to your home.
What is Japanese Knotweed
Japanese knotweed is a non-native, invasive weed which is highly aggressive and can cause damage to your property and grounds as well as knocking anything from 5-15% off the value of your home.
It comes with regulations for its removal to avoid spreading, including the Anti-social Behaviour Crime and Policing Act 2014 – having Japanese knotweed on your property isn’t illegal but failing to manage the problem and allowing it to spread is!
Mis-Sold Air Source Heat Pump
Regardless of whether the company is still trading or not, Consumer Reclaim are able to use the Consumer Credit Act. To make a claim against the Lender or Credit Card company.
It is highly likely that you have a claim if you have experienced any of the following
- RHI Government payments that didn’t start for years
- No energy grants were received and you needed to get an EPC
- Had to spend more money on energy saving measures for your home to qualify for RHI Payments
- Unaware of the noise pollution that would be caused by the fan Told that you needed planning permission to have the system installed which unfortunately cost you a lot more
Mis-sold thermal Roof Painting
If you have been sold roof painting and have been told by the company that it will prevent heat loss then you will have been mis-sold as painting a roof will not prevent heat loss.
If you have been sold a roof painting after being told by the company that it will prevent heat loss, then you will have been mis-sold, as roof coatings will not prevent heat loss. Roofs are designed to breathe to prevent heat loss and so ventilation within the roof space allows heat to escape regardless of painting the roof tiles.
Secret Commission Claims
We find evidence of a secret commission then the team will begin to prepare your claim to ensure the secret profit is paid back to you. Consumer Reclaim Ltd have dealt with claims between lenders and their brokers with an average commission of £3,000 plus, per case. Taking statutory interest into account, a typical claim would be £5,400.
Irresponsible Lending
What Is Responsible Lending?
Responsible lending means that lenders must only provide credit or loans to individuals after carefully assessing their financial circumstances. This includes ensuring borrowers:
- Fully understand the terms of the agreement.
- Can reasonably afford the repayments without undue hardship.
- Are not misled or pressured into agreements that are not in their best interests.
When lenders fail to meet these obligations, it’s called irresponsible lending, and it’s a breach of both trust and the law.
Scam Fraud Recovery
Understanding Scam Refunds
Scams are deceitful schemes designed to defraud individuals of their money or personal information. Common scams include investment fraud, online purchase scams, impersonation scams, and romance scams. If you’ve been targeted, it’s crucial to act swiftly to improve the chances of recovering your funds.