Terms and Conditions

Oracle Legal Ltd Terms and Conditions



We want your decision to use Oracle Legal Ltd to pursue your claim to be the right decision for you. We are committed to providing a professional, simple to understand and easy to use service. We aim to be completely transparent in all our dealings with you and these Terms and Conditions explain our obligations to you and yours to us. They will be at the heart of our relationship, and our contract with you, please take time to read them carefully.


“Oracle Legal” is a trading name of Oracle Legal Ltd, a limited liability company and a third-party claims handler Regulated by the Claims Management Regulator in respect of regulated claims management activities (Authorization No. CRM17936) and registered in England and Wales with number 06810900 it has its registered office at Kaprekar, 94 New Walk, Leicester, England, LE1 7EA.

“Fee” means the fee payable to Oracle Legal Ltd for Services being 20% Plus VAT of any compensation recovered by us for you. For example, if we recover £2,000 compensation, our fee would be £480 (inclusive of VAT at the prevailing rate) and you would receive £1520. Your claim will be handled on a No Win No Fee Basis. If you have an outstanding balance on your loan/credit card the finance provider may use your PPI refund to reduce this balance. For example, if you have a balance outstanding of £500 on your loan and we recover £2,500 the financial provider may use the refund to pay off your debt and issue the remaining £2,000 as a cash payment. Our fees would be £600 (inclusive of VAT at the prevailing rate) leaving you with £1400 and your loan fully paid off. Please note that some lenders will also pay 8% statutory interest as part of your compensation figure, this payment is subject to income tax. Our fees will be due on the net amount offered (the amount of redress after HMRCs deduction).

“Compensation” means (but is not limited to) any one or more of the following or a combination of them:
• a refund either to your bank account or by cheque
• a reduction of your loan balance
• a reduction of your arrears

“free PPI check” means that Oracle Legal will endeavour to identify whether PPI existed on the account(s) you have asked us to check, for free.`

“Services” means the services provided by Oracle Legal Ltd including assessing the viability of, preparing, submitting and negotiating your claim.

“us” and ”we” means Oracle Legal Ltd.
“you” means you, the person(s) entering this agreement.

“No Win No Fee” means if we establish you have PPI, and you decide to register a complaint with your lender and your case is unsuccessful, you will not have to pay any fees to us.

Your Options

Before you agree to our terms and conditions it is important that we inform you of other ways you can make a PPI complaint. All banks, and the Financial Ombudsman Service offer a complaints process which would allow you to make a complaint independently.

1. By signing and returning this Letter of Authority form you will:

1.1 Accept these Terms and Conditions and enter into a binding contract with us;

1.2 Agree that, if compensation is awarded, you will settle our invoice 14 days from receipt of payment. If this Fee is not paid, we may commence debt collection proceedings to recover the debt owed to us. However, we will provide you ample notification of this intention beforehand.

1.3 Still be liable for our fees if any reasonable offer of compensation is made by your lender and subsequently rejected by you.

1.4 Cooperate with us when we need information / documentation from you by promptly responding to calls, texts, emails and letters from us.

1.5 Notify us if you receive any correspondence from your lender regarding your PPI claim.

1.6 Agree that if Oracle Legal locates PPI on any of your accounts, we will contact you to discuss preparation of your complaint to your lender. This will be done over the phone, by email or by post.

1.7 Agree that once you have completed the above step with us (1.6) we have the right to deal with your claim(s) exclusively to its natural conclusion.

2. Oracle Legal Ltd will:

2.1 Rely on the information and any documents provided by you to Oracle Legal Ltd as being true, accurate, and to the best of your recollection.

2.2 Use all reasonable endeavours to obtain compensation for the claim(s) which are pursued. We will try to resolve your complaint directly with your lender via their complaints procedure. If unsuccessful or they fail to co-operate, we may also contact the underwriter of your policy or the FSCS (if appropriate) and / or refer the matter to the Financial Ombudsman Service.

2.3 Promptly notify you if the claim cannot be pursued. We will always act reasonably in taking any such decision.

2.4 Promptly notify you of the outcome of any claim;

2.5 On receipt of an offer from your lender to you in compensation, issue you our invoice for fees in advance of receipt of your refund. Please note: This is simply in the interests of efficiency, and our fees are not payable until such time as you have received your refund from your lender; and then within 14 days of that date. Should your lender make the refund payable to Oracle Legal Ltd, we will deduct our fees and issue you your remainder accordingly.

2.6 Keep you informed by post, telephone, emails and SMS message about the progress of your claim, offers, products and services which may be of interest to you.

3. Cancellation terms

3.1 You have 14 days (which starts on the date you signed the Letter of Authority) to cancel said authority. You can do this by making any clear statement to us, including but not limited to email, telephone, or post.

3.2 If you attempt to cancel the contract after 14 days, we reserve the right to make a reasonable charge for the work undertaken on your behalf up to that point. This will be calculated based on the amount of work completed, including the number of letters and phone calls made in pursuit of your claim.

4. Complaints

4.1 We are confident you will be happy with our service, but if you should have any reason to complain please do not hesitate to contact us. A copy of our complaints handling procedure is available on request and can also be found on our website at www.oraclelegal.co.uk/complaints-procedure. If you would like to make a complaint you can contact us by writing to: Customer Relations, Oracle Legal Ltd, Kaprekar, 94 New Walk, Leicester, England, LE1 7EA; or by telephone on 0800 840 7292 or by email to info@oraclelegal.co.uk

If you remain unhappy after our complaints investigation has been concluded, then you can have your complaint independently looked at by the Legal Ombudsman. You can contact them by emailing cmc@legalombudsman.org.uk, calling 0300 555 0333 or writing to, Legal Ombudsman, PO Box 6804, Wolverhampton, WV1 9WG. For more information about the Legal Ombudsman please visit www.LegalOmbudsman.org.uk/cmc.

5. Governing Law

5.1 This contract will be subject to the laws of England and Wales.

I/We confirm that I/We have read the Terms and Conditions and by signing the Letter of Authority confirm acceptance of them and wish Oracle Legal Ltd to act on my/our behalf. If you do not understand any part of our Terms and Conditions please ask for guidance.