Terms & Conditions of Service

Who we are

This website, www.missoldcarfinanceclaim.co.uk (Our Site) is a trading style of and is operated by Accident Claims Specialists Ltd (referred to as “ACS”, “we”, “us” or “our” in these terms and conditions of service). We are a private limited company incorporated in England and Wales under company number 09146224 and have our registered office at 9 Lower Park Road, Hastings TN34 2LB. Our registration number with the Information Commissioner Office is ZA067220 and our VAT number is 469863623.

We are a claims management company authorised and regulated by the Financial Conduct Authority in respect of regulated claims management activities under firm reference number 833720.

Using Our Site

By using Our Site, you confirm that you accept these terms and conditions of service and that you agree to comply with them. If you do not agree to these terms, you must not use Our Site. We recommend that you print a copy of these terms for future reference.

There are other terms that may apply to you

These terms and conditions of service refer to the following additional terms, which also apply to your use of Our Site:

• Our Privacy Policy, which explains how we collect, use and store your personal data.
• Our Cookie Policy, which sets out information about the cookies on Our Site.

We may make changes to these terms

We amend these terms from time to time. Every time you wish to use Our Site, please check these terms to ensure you understand the terms that apply at that time. These terms were most recently updated on 19 June 2025.

Our areas of work

We are authorised by the Financial Conduct Authority to assist you by seeking out, identifying and referring claims relating to the following types of claims:

• Personal injury
• Financial services and products including motor finance claims;
• Housing disrepair
• Specified benefits such as industrial injuries or workers’ compensation
• Criminal injury
• Employment matters.

Other claim types: in addition we can assist you with obtaining advice and representation in relation to other types of claims including vehicle emissions claims, scam claims, and car cartel claims. However, please note that any assistance we provide you in relation to these other types of claims is not covered by our authorisation with the Financial Conduct Authority, since these claims are not regulated by them.

How we will assist you

We are not a law firm and do not give legal advice. Our service is limited to the initial assessment of your claim and subsequent referral to a regulated law firm which can bring the claim on your behalf. Any resulting contract that you enter into for legal services will be with the law firm and we will not be a party to it. We therefore do not accept any responsibility or related liability for any advice given to you or other work carried out on your behalf, by them, or any other law firm that you choose to appoint.

You are under no obligation to instruct one of the law firms on our panel.

Please note that claims must be brought within a certain period of time and otherwise may fail. This is the period within which court action must be commenced. If you think you have a claim, our recommendation is to seek legal advice immediately to avoid your claim expiring.

If we feel we cannot help you, we will let you know, and of course you are always free to seek legal advice elsewhere.

You do not need to use a claims management company to make a claim. You can do this yourself for free by contacting the opponent (the car dealership or finance provider in the case of a motor finance claim) and if that is not successful you can complain to the Financial Ombudsman Service.

We have a fee-sharing agreement with the law firms we work with and that is how we get paid - this does not affect the amount of compensation you receive.

No-Win, No-Fee Claim

We will not charge you for our service even if you decide not to proceed with a claim or we refer you to a law firm and you go on to make a successful claim.

All the law firms we work with offer their legal representation on a no-win, no-fee basis. This means you have nothing to pay unless you win your claim, and even then, the legal fees come out of the compensation recovered from the opponent. The fees are on a sliding scale of 18-36% depending on the amount recovered. A cancellation fee may apply outside of the 14 day cooling off period.

Your information data and digitised signature

We are committed to safeguarding the privacy of users of our website. Please read our policy to understand how your personal data will be treated.

For the purpose of setting up your claim with the law firm in an efficient manner, you agree that we may digitise your signature. By submitting an enquiry via Our Site you consent to the use of your digitised signature and the corresponding server stamp to be used as express permission in the signing of documents relevant to your claim.

If we accept your claim and refer the claim to a law firm, you will receive a personalised, no-obligation pack outlining your claim. This will be sent via email or sms. The documents will include:

• the law firm’s no-win no-fee terms of business; and
• your form of authority to conduct a credit reference search to obtain details of your finance agreements in connection with your motor finance claim.

These documents will be pre-populated with details you have given. You warrant that all data provided by you is accurate. You should review these carefully before proceeding.

You agree that your digital signature will be used to sign the documents. This will not affect your right to cancel the agreement with the law firm within 14 days.

Soft search of your credit file

Where you give us your express permission (opt-in), a soft search of your credit file will be carried out to locate finance agreements relevant to your motor finance claim. This soft search is carried out by TAL Marketing Group Limited (trading as ViewThru), company number 10612899, FRN 968428, ICO registration ZB241343, of Work Life, Brown Street, Manchester, England, M2 1DH. A soft search does not affect your credit score. A soft search will only be carried out where you have expressly opted in.

Sharing your data and assignment of your claim

We may share your data with one or more of the parties listed below, including but not limited to assigning your claim to one of them to run through to redress on your behalf.

In the event that Accident Claims Specialists Ltd ceases regulated activities for any reason, or for other commercial reasons (including, but not limited to, the sale, transfer or reassignment of all or part of its client portfolio), Accident Claims Specialists Ltd reserves the right to assign, novate or transfer this Agreement, or its rights and obligations under it, to a regulated Third Party firm ("the New Provider") for the purpose of continuing to process Your ongoing Claim.

Where such a transfer takes place, we will notify you by SMS within 7 days of the transfer taking effect (or, where reasonably practicable, in advance of it). This notice will:

• (a) confirm the identity of the New Provider and its regulatory status;
• (b) explain that a new agreement will be put in place between you and the New Provider to continue handling your claim, and that your signature (including by way of electronic or digital signature, or other method of authentication reasonably notified to you) may be applied to that new agreement to give effect to the transfer;
• (c) provide you with a copy of the New Provider's agreement and terms for your review prior to it taking effect; and
• (d) explain your right to opt out of the transfer.

If you choose to opt out, you must select this option and provide your email address, for us to cease processing your claim, return your file to you, or confirm alternative arrangements, as applicable. If you do not opt out within the notice period, you will be deemed to have accepted the transfer of your Agreement to the New Provider on the terms notified to you.

Further details of how we handle your data are set out in our Privacy Policy.

Contacting us

When telephoning us we inform you that calls may be recorded and used for internal training and regulatory compliance purposes.

We operate a zero tolerance policy towards the abuse of our employees who have a right to carry out their work without fear of being abused. Malicious or abusive calls are a criminal offence under Section 43 of the Telecommunications Act 1984.

Site information

The contents of the website do not constitute legal advice and you should always consult a suitably qualified lawyer on any specific legal problem.

The site is designed to give you some information about claiming compensation, and, if you wish, help you start a claim with a law firm.

We may update and change Our Site

We may update and change Our Site from time to time to comply with changes to the rules made by our regulator, the Financial Conduct Authority, and to reflect changes to our products, our users' needs and our business priorities.

We may suspend or withdraw Our Site

Our Site is made available free of charge. We do not guarantee that Our Site, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of Our Site for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.

You are also responsible for ensuring that all persons who access Our Site through your internet connection are aware of these terms of service and other applicable terms of service, and that they comply with them.

We may transfer this agreement to someone else

We may transfer our rights and obligations under these terms to another organisation. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under the contract.

Our Site is only for users in the UK

Our Site is directed to people residing in the United Kingdom. We do not represent that content available on or through Our Site is appropriate for use or available in other locations.

How you may use material on Our Site

We are the owner or the licensee of all intellectual property rights in Our Site, and in the material published on it including text, code, content, software, graphics, photographs, illustrations, artwork, formats, files, graphics and devices. Those works are protected by copyright, trademarks and other rights of intellectual property around the world. All such rights are reserved.

You are permitted to read the contents of this site and make copies of material contained on it for your own personal use. You may also provide copies of reasonable extracts of such material on an occasional free of charge basis to colleagues and clients for their personal use on terms that we are acknowledged as the source, the text is not altered in any way and the attention of recipients is drawn to these terms and conditions of service.

If you print off, copy, download, share or repost any part of Our Site in breach of these terms and conditions of service, your right to use Our Site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made (except that you are permitted to print off a copy of these terms and conditions of service).

Whilst we take steps to ensure the accuracy of the information accessed via the site, we cannot guarantee or give any warranty as to the accuracy, timeliness or completeness of any information or material appearing on it.

No text or data mining, or web scraping

You shall not conduct, facilitate, authorise or permit any text or data mining or web scraping in relation to Our Site or any services provided via, or in relation to, Our Site for any purpose, including the development, training, fine-tuning or validation of AI systems or models. This includes using (or permitting, authorising or attempting the use of):

• Any "robot", "bot", "spider", "scraper" or other automated device, program, tool, algorithm, code, process or methodology to access, obtain, copy, monitor or republish any portion of Our Site or any data, content, information or services accessed via the same.
• Any automated analytical technique aimed at analysing text and data in digital form to generate information or develop, train, fine-tune or validate AI systems or models which includes but is not limited to patterns, trends and correlations.

The provisions in this clause should be treated as an express reservation of our rights in this regard, including for the purposes of Article 4(3) of the Digital Copyright Directive ((EU) 2019/790).

This clause will not apply insofar as (but only to the extent that) we are unable to exclude or limit text or data mining or web scraping activity by contract under the laws which are applicable to us.

Rules about linking to Our Site

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.

You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

You must not establish a link to Our Site in any website that is not owned by you.

Our Site must not be framed on any other site, nor may you create a link to any part of Our Site other than the home page.

We reserve the right to withdraw linking permission without notice.

We are not responsible for websites we link to

Where Our Site contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them.

We have no control over the contents of those sites or resources.

We are not responsible for viruses

We do not guarantee that Our Site will be secure or free from bugs or viruses.

You are responsible for configuring your information technology, computer programs and platform to access Our Site. You should use your own virus protection software.

You must not introduce viruses

You must not misuse Our Site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful, or otherwise harmfully interacting with Our Site or any part of it. You must not attempt to gain unauthorised access to Our Site, the server on which Our Site is stored or any server, computer or database connected to Our Site or any other equipment or network connected with Our Site. You must not interfere with, damage or disrupt any software used in the provision of Our Site or any equipment or network or software owned or used by any third party on which this site relies in any way. You must not attack Our Site via a denial-of-service attack or a distributed denial-of-service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them.

In the event of such a breach, your right to use Our Site will cease immediately.

Our responsibility for loss or damage suffered by you

• We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.

If you are a consumer user:

• We only provide Our Site for domestic and private use. You agree not to use Our Site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
• If defective digital content that we have supplied damages a device or digital content belonging to you and this is caused by our failure to use reasonable care and skill, we will either repair the damage or pay you compensation. However, we will not be liable for damage that you could have avoided by following our advice to apply an update offered to you free of charge or for damage that was caused by you failing to correctly follow installation instructions or to have in place the minimum system requirements advised by us.

Marketing Materials

Where you have received information from us or agreed that we should provide our services to you, and have not opted out of marketing, then we may contact you about any other types of claims which we may be able to assist you with.

If you currently receive marketing materials from us and no longer wish to do so, please unsubscribe in the footer of the email(s). The emails sent and received may be monitored to ensure compliance with internal policies and to protect the business.

Governing Law and Jurisdiction

These terms and conditions of service, their subject matter and their formation, are governed by English law. You and we both agree that the courts of England and Wales will have exclusive jurisdiction except that if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland.

Complaints Procedure

We pride ourselves in providing a professional service. If You are not happy with Our service in any way, we would like to hear about it. A full copy of our complaints policy and procedure can found on our complaints page or you can email complaints@missoldcarfinanceclaim.co.uk.