http://www.theclaimswarehouse.org/ 1.00 weekly http://www.theclaimswarehouse.org/cw/about.html 0.80 weekly http://www.theclaimswarehouse.org/cw/services.html 0.80 weekly http://www.theclaimswarehouse.org/cw/latestnews.html 0.80 weekly http://www.theclaimswarehouse.org/cw/contactus.php 0.80 weekly http://www.theclaimswarehouse.org/contactus.php 0.80 weekly http://www.theclaimswarehouse.org/services/over5.html 0.64 weekly http://www.theclaimswarehouse.org/services/ppi.html 0.64 weekly http://www.theclaimswarehouse.org/services/under5.html 0.64 weekly http://www.theclaimswarehouse.org/services/fireflood.html 0.64 weekly
The Claims Warehouse - Credit Cards & Loans Investigated.

The Claims Warehouse - Credit Cards & Loans Investigated.
The Claims Warehouse - Credit Cards & Loans Investigated.

The Claims Warehouse can arrange for your Mortgage Agreement to be audited to ensure it complies with the law.

If a Mortgage Agreement has not complied with the law or is unfair in anyway The Claims Warehouse solicitors’ can act on your behalf to claim compensation.

The Claims Warehouse can "Audit" any mortgage agreement, current or redeemed going back for 12 years. Our solicitors will look extensively at all the different aspects of each agreement

  • Mortgage Indemnity Guarantees
  • Unfair early redemption penalties
  • Sub Prime mortgage agreements
  • Payment Protection Insurance Policies
  • Secret commissions
  • Miscalculated APR’s
  • Unfair charges
  • Unfair Terms and Conditions
  • Any form of ‘unjust enrichment’ by the lender
  • Known misconduct of the lender that has resulted in a fine from the FSA
  • Endowment policies or investment bonds
  • Overpayments


    • Where an agreement is deemed as ‘unfair’ in anyway you will be entitled to compensation. Levels of compensation will be assessed by the level of unfair treatment the client has received. In all cases the solicitors will seek to recover monies that have been overpaid or charges that have been unfairly levied whilst also seeking damages from the lenders for wrong doing.

    How much do you pay?

    The only charge is the cost of the ‘audit’ of the mortgage agreement. This involves The Claims Warehouses’ solicitors manually checking the mortgage agreement and generating a report outlining the areas in which the client is able to seek compensation.

    For this service, The Claims Warehouse charge:

  • £495 for each mortgage agreement ‘audit’

    • If the ‘audit’ positively shows grounds for a compensation claim The Claims Warehouses’ solicitors will litigate the claim on the clients behalf on a ‘No win, no fee’ basis. The client will keep 100% of the settlement and there is no further cost to them.

    Challenging Mortgage Agreements’ claim procedure.

    Step 1: Our Consultants will take receipt of your initial details via an information pack. It is necessary to:

  • Provide your personal details and details of the Mortgage agreement you are claiming on along with copies of the agreements where available.
  • Sign the Terms and Conditions.
  • Sign the Form of Authority, authorising The Claims Warehouse to act on your behalf with the lender.(for each claim)
  • Audit fee of £495 for each agreement. Return the information pack to The Claims Warehouse Ltd along with the relevant payment.
  • Where possible enclose: The latest mortgage statement, schedule of repayments since the inception of the mortgage, details of the borrower’s salary & other income at the time the mortgage was taken out.


    • Step 2: Once The Claims Warehouse receive the application pack and the initial payment has been received, the pack is processed by the customer services department.

  • You will be contacted by customer services with a letter to acknowledge the claim.
  • The subject access request is sent to the lender for the mortgage agreement.
    • 1. The lender supplies the agreement and the case is referred for its audit. 2. The lender does not supply the agreement and the case is referred to the solicitor for the lender to be pursued for the paperwork.
  • An ‘audit’ report is produced showing areas of unfairness in the agreement and areas where the lender has not complied with the law.
  • The ‘audit’ report is sent to the client with a letter stating if the case will be litigated.
  • This process may take approximately 60 days.


    • Step 3: The legal panel prepare the case.

  • The case is taken on to be litigated. If there is no claim the client is refunded £345 (A £150 administration charge is applicable). N.B. The refund process can take up to 60 days from receipt of client’s written request.
  • The client enters into a Conditional Fee Agreement with the solicitor who will represent them.
  • The solicitor lodges a compensation claim amount with the lender outlining the case for compensation.
  • The solicitor prepares their case and if necessary progresses it to court.


    • Step 4: The claim is heard in court.

  • The lender is summoned to appear in court.
  • A judge will adjudicate the amount of compensation the client will receive.
  • A settlement is reached.


    • Step 5: The financial settlement is made.

  • The whole process takes approximately 12 months.
  • You are awarded a settlement of which you keep 100%.
  • The Claims Warehouse is paid a success fee by the legal panel.