1. What Bank Charge Specialists Ltd. will do for you.
(a) We will assess your bank statements and, if appropriate, pursue, on your behalf, a claim for reimbursement of bank charges.
(b) We will provide this service on a "Contingency Fee basis (Except in certain circumstances see Section 5 below on “Canceling this agreement"). A "Contingency Fee” is a fee that is only charged if compensation is recovered and is assessed on an agreed percentage of the amount recovered.
(c) We will correspond and negotiate with your bank. We may subsequently require you to sign further documentation to facilitate this. We will let you know if and when the need arises.
(d) We will Inform you of all offers that we receive from the bank, evaluate them and advise you in writing whether we consider it to be in your interests to accept or to reject.
(e) We will forward to you the monies received from the bank, after deduction of our fee agreed pursuant to this Agreement as soon as possible after we have received it.
(f) We will endeavor at all times to provide you with the professional and dedicated service that you deserve, and use all reasonable skill and care in the performance of your claim for reimbursement of bank charges.
(g) We will always act in your best Interests In pursuing your claim and obtaining for you the best results obtainable.
(h) We will return all your papers (Including bank statements) following receipt by us of payment of all money owed to us under this Agreement

2.What Bank Charge Specialists Ltd. will NOT do for you.
(a) We will NOT advise you to pursue a claim that In our opinion has no realistic chance of success, or
Where the amount In Issue does not In our opinion justify the likely work Involved, and we reserve the right to cancel this Agreement if we form this opinion.
(b) We will NOT advise you to accept an offer that we consider inadequate or to reject an offer that we consider to be reasonable, and we reserve the right to cancel this Agreement if you wish to accept an offer that we consider inadequate or to reject an offer that we consider to be reasonable.
(c) We will NOT accept an offer without your agreement.
(d) We will NOT represent you at a court hearing, although we will start the Small Claims process on your behalf.
(el We will NOT give or offer you financial advice.
(f) We will NOT advise you whether there Is a risk that your bank may close your account after reimbursing your bank charges and whether you should open a second account in anticipation of this happening, but you may consider this to be a prudent step to take.
(g) We will NOT take steps to remove any negative credit entry that your bank may have registered
against your name.

3. What we expect from you
(a) To provide us promptly with all relevant information and items we request to enable us to pursue your claim, which is inclusive of the £10 fee that the bank will charge us to make a Data Protection Act 1998 subject access request on your behalf for your bank statements.
(b) To provide us with clear instructions.
(c) To cooperate with us (including sending to us any correspondence you receive directly from the bank).
(d) Not to ask us to work In an improper or unreasonable way or to mislead us.
(e) To provide us with the exclusive authority (to the exclusion even of yourself);
(I) to pursue your claim,
(ll) to enter on your behalf into correspondence and negotiations,
(Ill) to receive, bank and give valid receipt for your compensation payment,
(Iv) to ask the bank to make the cheque payable to Bank Charge Specialists Ltd. so we can bank it, or (if the cheque Is instead made payable to you but received by us) to pay it into a treasury account or to retain it pending receipt from you of payment in cleared funds of our fee agreed pursuant to this Agreement and
(v) (If the cheque Is made payable to us or is paid by us Into ia treasury account) to deduct our fee agreed pursuant to this Agreement before sending to you a Bank Charge Specialists Ltd. cheque for the balance.
(f) (If the cheque is instead sent by the bank to you rather than to us) to pay within 7 days our fee agreed pursuant to this Agreement.

4.Our Fee
(a) Our fee is 25% of the bank's payment plus VAT of our fee.
(b) At the outset of your claim,we will require from you a cheque for the £10 fee that the bank will charge us to make a Data Protection Act 1998 subject access request on your behalf for your bank statements. (c) If no payment is received, you pay us nothing except in certain circumstances (see section 5
below on "Canceling this Agreement").

5. Canceling this Agreement
(a) We can cancel this arrangement at any time. and no fee will be payable by you, If we advise that your claim is unlikely to succeed and if you have not breached your duties set out at section 3 ,above.
(b) We can cancel this arrangement at any time, but we will have the right to charge you fees (details of which are set out below) for all our work done on your behalf pursuant to this Agreement
(c) If you have breached your duties set out at paragraph 3 above or
(d) If you accept an offer that we consider inadequate or reject an offer that we consider to be reasonable
(e) You can cancel this agreement at any time, but we will have the right to charge you fees (details of which are set out below) for all our work done on your behalf pursuant to this Agreement.
(f) If the Agreement Is cancelled in circumstances that entitle us to charge you for our work, those fees, if we elect to charge them, will be calculated by multiplying the number of hours (or part thereof) spent by us on your claim by the applicable hourly charging rate, and time spent will be measured in units of six minutes. We will, however, warn you if we intend to charge such fees and how much they are likely to be. We reserve the right, at our discretion, to waive or reduce any such fees.
(g) Cancellation of this Agreement by either party must be In writing.