No. We operate on a strict no-win, no-fee basis.
We will charge you a fee based on a sliding scale from 18%-36% (inclusive of VAT) of your compensation. We will charge a termination fee if you cancel your agreement with us after the 14 days cancellation period, please read our Terms and conditions for more information.

No. Your credit score and existing agreements won’t be impacted.

Yes. Your data is handled securely and only used to manage your claim.

No. CMCs don’t require clients to enter into insurance policies.

In most cases, making a claim does not directly impact your credit score. However, if the agreement is rescinded and you currently owe money under it, there may be practical steps needed to ensure your credit record is updated correctly. It’s always best to seek legal advice before proceeding.

Undisclosed commission claims are most common with:
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• Fixed-sum loans (eg: secured loans or hire purchase agreements).
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• Mortgages arranged through brokers.
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• Personal loans or other credit agreements facilitated by a third party.  

The key factor is that a broker or intermediary received payment from the lender without telling you or fully disclosing the amount paid.

It’s not always obvious, but warning signs include:

• You used a broker to arrange your loan or mortgage.

• You were not told about any fees or payments received by the broker from the lender.

• The documentation does not clearly state the amount of commission.  

Evidence can come from:  

• Payment records showing commissions.

• Admissions from the broker or lender.

•Historical statements or correspondence.

The typical limitation period for UDC claims is six years from the date you discovered (or could reasonably have discovered) that the commission was undisclosed. However, there are exceptions, and courts may allow claims to proceed outside of this window if there are valid reasons for the delay.

No. Even if the agreement has been fully repaid, you may still have a valid claim. If successful, you could recover money for undisclosed fees, charges and interest paid during the term of the agreement.

To strengthen your claim, you should provide as much information as possible, such as:

• Copies of your loan or mortgage agreements.

• Broker correspondence or promotional material.

• Payment records or statements showing fees and charges.

• Any documents indicating a commission was paid that you were unaware of.

We at Reclaim My Money Limited can also request relevant information directly from the lender if an LOA (Letter of Authority) is signed.

If your claim succeeds, the court can order:

• Rescission of the agreement – this puts you back in the position you would have been in if you had never taken out the loan.

• Refund of interest, fees and charges, including broker commissions you weren’t informed about.

• Compensation for financial loss caused by the unfair relationship.

• In some cases, ongoing repayment obligations may be cancelled.

Please head to the UDC section of our website and fill out the form by answering the questions and scheduling a call-back from one of our telephone agents. Once we have received your information we can talk you through the whole process from start to finish.

Yes. You can cancel anytime in writing. You will not be charged if cancelled within 14 days.