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Pre-Contractual Information PBA

Harvard Claims Ltd is a Claims Management Company that helps clients claim back mis-sold Packaged Bank Account fees.

We do not charge an upfront fee.

Upon receipt of your claim pack we will write to your bank to start a miss-sold PBA claim. If applicable we will request a copy of your agreement. Your signed authority is required for this.

It can take up to 8 weeks for bank to acknowledge the claim.

If the bank acknowledges that the complaint is valid and agrees to refund all PBA payments made to date plus statutory interest, we will charge you 30% of all compensation / funds/ successful claim. If the bank declines the complaint, we will review their response. If nessesary we will pursue the claim to the Financial Ombudsman Service or close the claim.

You have 14-days cooling off period from the date we receive the signed documents to cancel our services. If you wish to cancel in this period it should be made in any clear statement to Harvard Claims Ltd. After the 14 day cooling off period has lapsed, cancellations may be charged at an hourly rate of £50 per hour for the work completed. Should you wish to cancel, please contact us. Please note, if you wish to cancel after your bank has made an offer, you will be liable for our fees of 30% of the offer made.

Not all PBA claims are successful; we cannot guarantee a 100% success rate. If the response from your bank is unsatisfactory we could then forward your case to the Financial Ombudsman Service.

The following information is detailed in our claim form pack that we send to you. We will require all the documents to be completed and sent back to us.

Front page - information about completing claim form pack,

Letter of Authority,

Terms of Business,

Complain procedure.

You have the right to seek further advice elsewhere before signing contract with us. You also have the option to start a claim yourself directly with the bank and if required go through the Financial Ombudsman Service.

We always try to provide high quality service to all our clients. However if you are not happy with our service and wish to complain please contact us. We have vigorous internal procedures for handling complaints fairly. If you are not satisfied with our final response you may refer your complaint to The Financial Ombudsman Service within 6 months of our final response at:

Financial Ombudsman, Exchange Tower, Harbour Exchange, London, E14 9SR, Phone on: 0800 023 4567

Harvard Claims Limited are authorised and regulated by the Financial Conduct Authority, Interim Permission Number 831421.

We are registered with Information Comissioner Officer under reference ZA269019.

Cancellation notice is available directly from us as well as on our website
You do not need to use a claims management company to make your Complaint to your Lender or other Compensation Scheme, such as the Financial Services Compensation Scheme (FSCS), and if your Complaint is not successful you can refer it to the Financial Ombudsman Service (FOS) yourself for free.

Summary Information