Using claims management companies

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<div class="views-element-container form-group"><div class="megamenu-promo view view-megamenu-promo-content view-id-megamenu_promo_content view-display-id-block js-view-dom-id-426a80ef3d17b665920f5251aa15ba7bd8400e7266de56cf1350f23b009f4754"> <h3 class="promo-block__title heading__underline">Contact us</h3> <div class="view-content"> <div class="views-row"><div class="promo-block__copy"><p>Get in touch by phone, via our online form, or by post:</p> <p> </p> <p>Financial Conduct Authority<br> 12 Endeavour Square<br> London E20 1JN</p> <p> </p> </div><a href="/contact" class="promo-block__read-more btn btn--arrow-right" aria-label="Contact us - Contact us">Contact us</a></div> </div> </div> </div> <div class="megamenu-categories"> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link">What we do</span></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-fd4951cb8ca6c81467b285adff6e2de3ef843c6efce30dff11342d80f5a53647"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/about/what-we-do/the-fca" hreflang="en">About the FCA</a></li> <li class="menu--item"><a href="/about/what-we-do/enhancing-market-integrity" hreflang="en">Enhancing market integrity</a></li> <li class="menu--item"><a href="/about/how-we-work-menu" hreflang="en">How we work</a></li> <li class="menu--item"><a href="/about/what-we-do/promoting-competition" hreflang="en">Promoting competition</a></li> <li class="menu--item"><a href="/about/what-we-do/protecting-consumers" hreflang="en">Protecting consumers</a></li> </ul> </div> </div> </div> </div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link">How we regulate</span></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-c6613b743d22565b24bca00a8db68790cf6052ccc0eab032bf1ffd66f04fb5f1"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/authorisation-menu" hreflang="en">Authorisation</a></li> <li class="menu--item"><a href="/about/how-we-regulate/enforcement" hreflang="en">Enforcement</a></li> <li class="menu--item"><a href="/about/how-we-regulate/handbook" hreflang="en">Handbook of rules and guidance</a></li> <li class="menu--item"><a href="/about/how-we-regulate/international-standards-regulations" hreflang="en">International standards and regulations</a></li> <li class="menu--item"><a href="/about/how-we-regulate/supervision" hreflang="en">Supervision</a></li> </ul> </div> </div> </div> </div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link">How we operate</span></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-dfce516565fe0ea570d24e170b66631fae0cb03cbb9c04666c98b18317f7a87a"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/about/how-we-operate/complain-about-regulators" hreflang="en">Complain about us, the PRA or the Bank of England (the regulators)</a></li> <li class="menu--item"><a href="/about/how-we-operate/corporate-responsibility" hreflang="en">Corporate responsibility</a></li> <li class="menu--item"><a href="/about/how-we-operate/diversity-equity-inclusion" hreflang="en">Diversity, equity and inclusion</a></li> <li class="menu--item"><a href="/about/how-we-operate/environmental-sustainability" hreflang="en">Environmental sustainability</a></li> <li class="menu--item"><a href="/about/how-we-operate/who-work-with" hreflang="en">Who we work with</a></li> </ul> </div> </div> </div> </div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link">Who we are</span></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-aaa4b37fdb545fe553c43f57bce67dca6dd24993b89623ce66627b6076586bb2"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/about/who-we-are/chair" hreflang="en">Chair</a></li> <li class="menu--item"><a href="/about/who-we-are/chief-executive" hreflang="en">Chief Executive</a></li> <li class="menu--item"><a href="/about/who-we-are/committees" hreflang="en">Committees</a></li> <li class="menu--item"><a href="/about/who-we-are/executive-committees" hreflang="en">Executive committees</a></li> <li class="menu--item"><a href="/about/who-we-are/fca-board" hreflang="en">FCA Board</a></li> </ul> </div> </div> </div> </div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link">Join us</span></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-78500f8e3a1c5eec5806f0f7ba43ef53ac3f2c66717e230c531cc954e234e5bd"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/careers-home" hreflang="en">Careers home</a></li> <li class="menu--item"><a href="/careers/early-careers" hreflang="en">Early careers</a></li> <li class="menu--item"><a href="/careers/experienced-professionals" hreflang="en">Experienced professionals</a></li> </ul> </div> </div> </div> </div> </div> <div class="views-element-container form-group"><div class="megamenu-footer view view-megamenu-footer view-id-megamenu_footer view-display-id-block js-view-dom-id-2eaaefd50ca9da951ef63e06216393215ebd1f977b9d868a9228c8cc2e00d760"> </div> </div> <button tabindex="0" aria-label="Close menu link" class="megamenu__close btn--close text-hide hidden-xs js-megamenu-close">Close menu</button> </div> </div> </div> </div> </li> <li class="tb-megamenu-item level-1 mega dropdown col-xs-12 col-sm-2 mega-menu__level-one-item mega-menu__firms"> <a href="/firms" class="dropdown-toggle mega-menu__level-one-link" data-drupal-link-system-path="node/2886">Firms</a> <div class="megamenu__menu view view-megamenu-block view-id-megamenu_block view-display-id-megamenu_block_contextual dropdown-menu mega-menu__level-two-wrapper"> <div class="view-content"> <div class="container"> <div class="row"> <div class="views-element-container form-group"><div class="megamenu-promo view view-megamenu-promo-content view-id-megamenu_promo_content view-display-id-block js-view-dom-id-4c9fd7902422499f826ab618af4e450295dac621f4f798e563904882e79f065d"> <h3 class="promo-block__title heading__underline">Firms overview</h3> <div class="view-content"> <div class="views-row"><div class="promo-block__copy"><p>Go to our dedicated section to see support for firms and our latest policy updates.</p> <p> </p> </div><a href="/firms" class="promo-block__read-more btn btn--arrow-right" aria-label="Firms overview - Find out more">Find out more</a></div> </div> </div> </div> <div class="megamenu-categories"> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><a href="/firms/authorisation" hreflang="en">Firm authorisation</a></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-141605cac80e3a15efc1c5024d94db7c1c62a6bcab1434c268a3af926baedee2"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/firms/authorisation" hreflang="en">Authorisation</a></li> <li class="menu--item"><a href="/firms/authorisation/cancel" hreflang="en">Cancelling an authorisation or registration</a></li> <li class="menu--item"><a href="/firms/check-if-firm-authorised" hreflang="en">Check if a firm is authorised</a></li> <li class="menu--item"><a href="/firms/authorisation/apply" hreflang="en">How to apply for authorisation or registration</a></li> </ul> </div> </div> </div> </div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link">Regulated firms</span></h4><div class="megamenu__menu view view-megamenu-block view-id-megamenu_block view-display-id-megamenu_firms_types js-view-dom-id-1c69252bc26a199cee6a56ba06e229e587aaeb8122d48b607ff366844f1c6d56 dropdown-menu mega-menu__level-two-wrapper"> <div class="view-content"> <div class="container"> <div class="row"> <div class="megamenu-categories"> <div class="item-list firms-types"> <ul> <li class="menu--item"><a href="/firms" hreflang="en">All firms</a></li> <li class="menu--item"><a href="/firms/claims-management-companies" hreflang="en">Claims management companies</a></li> <li class="menu--item"><a href="/firms/consumer-credit" hreflang="en">Consumer credit firms</a></li> <li class="menu--item"><a href="/firms/electronic-money-payment-institutions" hreflang="en">Electronic money and payment institutions</a></li> <li class="menu--item"><a href="/firms/funeral-plan-providers-intermediaries" hreflang="en">Funeral plan providers and intermediaries</a></li> <li class="menu--item"><a href="/firms/innovation" hreflang="en">Innovation Hub</a></li> <li class="menu--item"><a href="/firms/mutual-societies" hreflang="en">Mutual societies</a></li> </ul> </div> </div> <button tabindex="0" aria-label="Close menu link" class="megamenu__close btn--close text-hide hidden-xs js-megamenu-close">Close menu</button> </div> </div> </div> </div> </div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link">Tasks for firms</span></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-fe3ceaa96ac01cf25d107d58f50ba1abe9fe87aca27d97c6347bbc4e755369c9"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/firms/approved-persons" hreflang="en">Approved persons</a></li> <li class="menu--item"><a href="/firms/change-control" hreflang="en">Change in control</a></li> <li class="menu--item"><a href="/firms/fees" hreflang="en">Fees and levies</a></li> <li class="menu--item"><a href="/firms/firm-details" hreflang="en">Keeping your firm's details up to date</a></li> <li class="menu--item"><a href="/firms/appointed-representatives-principals" hreflang="en">Principals and appointed representatives </a></li> </ul> </div> </div> </div> </div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><a href="/firms/consumer-duty" hreflang="en">Focus areas</a></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-ab4240c48670ff63c3851186fd84773be6055450991a164ea05664ee3be15484"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/firms/consumer-duty" hreflang="en">Consumer Duty</a></li> <li class="menu--item"><a href="/firms/cost-living-firm-information" hreflang="en">Cost of living: firm information</a></li> <li class="menu--item"><a href="/firms/cryptoassets-information" hreflang="en">Cryptoassets</a></li> <li class="menu--item"><a href="/firms/access-to-cash" hreflang="en">Helping people access cash</a></li> <li class="menu--item"><a href="/firms/regulatory-framework-reforms" hreflang="en">Regulatory framework reforms</a></li> <li class="menu--item"><a href="/firms/senior-managers-certification-regime" hreflang="en">Senior Managers and Certification Regime </a></li> </ul> </div> </div> </div> </div> </div> <div class="views-element-container form-group"><div class="megamenu-footer view view-megamenu-footer view-id-megamenu_footer view-display-id-block js-view-dom-id-5ff3e1916f78b67752710b9b314f2a51ec4486d8db49a240ee790cca36f8245a"> <div class="view-content"> <div style="background-image: url(https://www.fca.org.uk/sites/default/files/styles/no_style/public/media/images/megamenu-banner-consumer-duty-350_78.jpg?itok=5eIJffZC);" class="megamenu-footer__image" > </div> <div class="views-row"><div class="megamenu-footer__copy"><p class="megamenu-footer__title">Consumer Duty </p> <p>We're hosting events to help firms prepare for the new rules. 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class="highlighted"> <div class="region region-highlighted"> <div data-drupal-messages-fallback class="hidden"></div> </div> </div> <a id="main-content"></a> <div class="region region-content"> <div class="container container-header-- "> <div class="row row--relative"> <div data-history-node-id="54911" about="/consumers/using-claims-management-companies" class="article-header col-xs-12 four-step-limit col-sm-9"> <h1 class="page-header page-header--no-margin"> <span>Using claims management companies</span> </h1> <div class="article-meta "> </div> </div> </div> </div> <div class="container fca-consumers"> <div class="row"> <article data-history-node-id="54911" about="/consumers/using-claims-management-companies" class="article-header col-xs-12 four-step-limit col-sm-9 has-sidebar clearfix article-content--consumers"> <div class="node-content__wrapper node-content__wrapper--border consumers-border"> <section class="copy-highlighted copy-block component fca-colour--6c1d45 fca-consumers"> <div class="container container-flex"> <div class="copy-highlighted__content"> <h2 class="heading__underline"> <p>Claims management companies (CMCs) handle a range of claims for compensation or other benefits. Find out what to expect if you decide to use one.</p> </h2> </div> </div> <div class="container"> <span class="text-small copy-highlighted__updates">First published: <span class="date">07/03/2019</span></span> <span class="text-small copy-highlighted__updates">Last updated: <span class="date">20/03/2023</span></span> <span class="text-small revisions copy-highlighted__updates"><a href="#revisions">See all updates</a></span> </div> </section> <div class="rhn__on-this-page visible-xs rhn__on-this-page--consumers"> <button class="rhn__button"> <h2 class="h3">On this page <img src="/themes/custom/fca/images/document-customers.svg" alt=""></h2> </button> <ul class="nav navbar-nav"><li><a href="#section-make-sure-the-cmc-is-authorised">Make sure the CMC is authorised</a></li><li><a href="#section-fees-for-using-cmcs">Fees for using CMCs</a></li><li><a href="#section-making-a-claim-yourself">Making a claim yourself</a></li><li><a href="#section-making-other-types-of-claims-yourself-">Making other types of claims yourself </a></li><li><a href="#section-what-to-expect-if-you-decide-to-use-a-cmc">What to expect if you decide to use a CMC</a></li><li><a href="#section-complaining-about-a-cmc">Complaining about a CMC</a></li></ul> </div> <section class="copy-block default"> <div class="container"> <p>CMCs are firms or individuals that can help you make a claim, but they’ll charge you a fee for the service.</p> <p>For example, if you think you've been mis-sold a financial product or service, you could use a CMC to help you complain. Or, if a financial firm goes out of business, a CMC could act on your behalf to help you claim compensation.</p> <div class="copy-block__takeaway"> <p>You don’t need to use a CMC to make a claim, it’s free and simple to do it yourself. If you’re concerned about the process, you can also get free guidance from <a href="https://www.moneyhelper.org.uk/en/contact-us/money-guidance">MoneyHelper</a>. Find out more about <a href="#section-making-a-claim-yourself">making a claim yourself</a>.</p> </div> <p> </p> <p>If you choose to use a CMC, they may:</p> <ul> <li>investigate your claim and represent you</li> <li>help you deal with any paperwork</li> <li>put you in touch with lawyers, if needed </li> </ul> <p>CMCs should also be able to let you know the likelihood of your claim being successful. If it’s unlikely to succeed, they should tell you.</p> <p>Some CMCs may only act as lead generators. A lead generator identifies any possible claims you may be able to make, and then refers you to other CMCs or lawyers who may be able to help you.  </p> </div> </section> <section id="section-make-sure-the-cmc-is-authorised" class="copy-block fca-consumers"> <div class="container"> <h2>Make sure the CMC is authorised</h2> <p>CMCs must be authorised by us if they provide services for claims concerning:</p> <ul> <li>financial services and products</li> <li>personal injury</li> <li>employment matters, eg unfair dismissal</li> <li>criminal injury</li> <li>housing disrepair</li> <li>certain industrial injuries benefits</li> </ul> <p>But some CMCs, or other firms that provide claims management services, are regulated by a legal regulator instead. The legal regulators are:</p> <ul> <li>the Solicitors Regulation Authority (SRA)</li> <li>The Bar Standards Board</li> <li>CILEx Regulation</li> <li>the Law Society of Scotland</li> </ul> <p>If you use a CMC, make sure they’re authorised by us, or one of the other legal regulators by searching the:</p> <ul> <li><a href="https://register.fca.org.uk/s/">Financial Services Register</a></li> <li><a href="https://www.sra.org.uk/consumers/register/">SRA Register</a></li> <li><a href="https://www.barstandardsboard.org.uk/for-the-public/search-a-barristers-record/the-barristers-register.html">Barristers’ Register</a></li> <li><a href="https://crlportal.cilexgroup.org.uk/CRL-Directory">CILEx Authorised Practitioners Directory</a></li> <li><a href="https://www.lawscot.org.uk/find-a-solicitor/">Law Society of Scotland website</a></li> </ul> <p>CMCs might provide services on other types of claims (such as aviation), but those services aren't regulated by us. If you're contacted by a CMC that you believe isn't authorised by us or the legal regulators, please <a data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="532d5ec1-1bf3-4622-8ddb-072620e72331" href="/contact" title="Contact us">contact us</a>.</p> </div> </section> <section id="section-fees-for-using-cmcs" class="copy-block fca-consumers"> <div class="container"> <h2>Fees for using CMCs</h2> <p>It’s important to remember that, if you use a CMC, you’ll need to pay a fee. To make sure you get fair value for money, we introduced a cap to the fees you can be charged for financial services claims. </p> <p>For claims started on or after 1 March 2022, the maximum fee you pay will depend on the value of your claim. </p> <table border="1" cellpadding="1" cellspacing="1" data-header-colour="teal" head-bg-color="#03BFB3" head-color="#000" style="width: 100%;"> <thead> <tr> <th scope="col">How much you're awarded</th> <th scope="col">Maximum % you can be charged</th> <th scope="col">Maximum fee you can be charged</th> </tr> </thead> <tbody> <tr> <td>£1 to £1,499</td> <td>30%</td> <td>£420</td> </tr> <tr> <td>£1,500 to £9,999</td> <td>28%</td> <td>£2,500</td> </tr> <tr> <td>£10,000 to £24,999</td> <td>25%</td> <td> <p>£5,000</p> </td> </tr> <tr> <td>£25,000 to £49,999</td> <td>20%</td> <td>£7,500</td> </tr> <tr> <td>£50,000+</td> <td>15%</td> <td>£10,000</td> </tr> </tbody> </table> <p>If a lead generator is involved in your claim, they may also be paid a fee by your CMC or lawyer for passing on your case.</p> </div> </section> <section id="section-watch-using-cmcs" lf_id="lf-video-y7a5w-videomarketingplatform-co-secret-74410153-396f197eeb110a17deffef5f8dd9b2fa" class="component video-component video fca-colour--00bfb3"> <div class="container"> <div class="video-component__wrapper"> <header class="video-component__header"> <h2 class="video-component__title heading__underline heading__underline-colored">Watch: Using CMCs</h2> <div class="video_component__summary"> Find out about financial services claims and using claims management companies. </div> </header> <div class="video-component__video"> <div class="embedded-video"> <div class="player"> <div class="video-embed-field-provider-twentythree video-embed-field-responsive-video form-group"><iframe width="854" height="480" frameborder="0" border="0" scrolling="no" allowfullscreen="1" mozallowfullscreen="1" webkitallowfullscreen="1" allow="autoplay; fullscreen" title="Watch: Using CMCs" src="//y7a5w.videomarketingplatform.co/v.ihtml/player.html?token=396f197eeb110a17deffef5f8dd9b2fa&source=embed&photo%5fid=74410153"></iframe> </div> </div> </div> </div> <div class="video-component__link"> <a href="/publication/transcripts/transcript-making-financial-services-claims-using-claims-management-companies.pdf">Transcript</a> </div> </div> </div> </section> <section id="section-making-a-claim-yourself" class="copy-block fca-consumers"> <div class="container"> <h2>Making a claim yourself</h2> <p>If you want to make a complaint or claim compensation yourself, you’ll have to follow the right process. If you’re concerned, organisations like MoneyHelper may be able to help you.</p> <p>Read more about:</p> <ul> <li><a data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="33028e22-bb67-46ff-9df5-889256c13c39" href="/consumers/how-complain" title="How to complain">Complaining about a financial product or service</a></li> <li><a data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="7bd8c602-be0c-40c9-b9c2-5fbdcbf2435d" href="/consumers/claim-compensation-firm-fails" title="How to claim compensation if a firm fails">Claiming compensation if a firm goes out of business</a></li> </ul> <p>If your claim is about a pension, <a href="https://www.pensions-ombudsman.org.uk/making-complaint">The Pensions Ombudsman</a> may be able to help. You can find more information about <a href="https://www.moneyhelper.org.uk/en/pensions-and-retirement/pension-problems/getting-compensation-for-a-pension-problem">how to get compensation for a pension problem</a> from MoneyHelper.</p> </div> </section> <section id="section-making-other-types-of-claims-yourself-" class="expandable-content component fca-consumers"> <h2>Making other types of claims yourself </h2> <div class="nav nav-stacked component component--expandable" id="expandable972116"> <div class="expandable panel component"> <a class="expandable-title collapsed" data-toggle="collapse" href="#expandable972091" aria-expanded="false"> <p> Personal injury claims </p> </a> <div id="expandable972091" class="collapse"> <div class="expandable-body copy-block"> <p>You can make a personal injury claim yourself without using a CMC. You can do this by contacting the relevant insurer or other party directly, or by using a lawyer.</p> <p>If you suffered a minor injury as a driver or passenger in a road traffic accident and it wasn’t your fault, you may be able to claim compensation using the <a href="https://www.officialinjuryclaim.org.uk/">Official Injury Claim</a> service.</p> <p><strong>The Official Injury Claim service is free, and you don’t need legal or CMC representation to use it.</strong></p> </div> </div> </div> <div class="expandable panel component"> <a class="expandable-title collapsed" data-toggle="collapse" href="#expandable972096" aria-expanded="false"> <p> Employment claims </p> </a> <div id="expandable972096" class="collapse"> <div class="expandable-body copy-block"> <p>If you have a claim against a current or previous employer, you can get in touch with the employer directly.</p> <p>You should look to the employer’s staff handbook to familiarise yourself with the employer’s grievance procedure, as you will be expected to have followed relevant internal procedures before bringing a claim.</p> <p>You could also make a claim to the <a href="https://www.gov.uk/employment-tribunals/make-a-claim">Employment Tribunal</a> through the Government website. The <a href="https://www.acas.org.uk/advice">Advisory Conciliation and Arbitration Service</a> (ACAS) can give you free advice on your claim.</p> <p>If you belong to a trade union, they may also be able to help with your claim.</p> </div> </div> </div> <div class="expandable panel component"> <a class="expandable-title collapsed" data-toggle="collapse" href="#expandable972101" aria-expanded="false"> <p> Criminal injury claims </p> </a> <div id="expandable972101" class="collapse"> <div class="expandable-body copy-block"> <p>If you’ve suffered a violent crime, you may be able to claim compensation. There are different ways to make a claim, but you may be able to do so via the <a href="https://www.gov.uk/claim-compensation-criminal-injury" style="background-color: rgb(255, 255, 255);">Criminal Injury Compensation Authority</a> (CICA).</p> <p>CICA is a Government-funded compensation scheme. It can pay compensation to people who’ve been physically or psychologically injured because of another's crime.</p> <p>For CICA claims, you can use a CMC or a lawyer, <strong>or you can make the claim yourself for free.</strong></p> <p>You don't have to wait for the outcome of a criminal trial to submit a claim. In fact, you shouldn’t wait for the outcome if it means that your claim wouldn’t be submitted within the 2-year application period.</p> </div> </div> </div> <div class="expandable panel component"> <a class="expandable-title collapsed" data-toggle="collapse" href="#expandable972106" aria-expanded="false"> <p> Housing disrepair claims </p> </a> <div id="expandable972106" class="collapse"> <div class="expandable-body copy-block"> <p>You have the right to live in a safe and well-maintained property. If your house or flat is rented, your landlord should carry out repairs you've told them about in a timely manner and to a satisfactory standard.</p> <p>If your landlord hasn’t done this, you may be eligible to claim compensation.</p> <p>You can make the claim yourself or you can use a CMC or lawyer to help you. A housing complaint service may also be able to help you. The organisation you should contact will depend on whether you're in <a href="https://www.handbook.fca.org.uk/handbook/glossary/G3332h.html?date=2021-01-01">England, Scotland or Wales</a>.</p> <p>If you’ve reported repairs to your landlord, and they haven’t fixed them, you might also consider taking the landlord to court. Given the expense involved, this will often be a last resort.</p> <p><a href="https://www.citizensadvice.org.uk/housing/repairs-in-rented-housing/repairs-what-are-your-options-if-you-are-a-social-housing-tenant/taking-court-action-because-your-landlord-wont-make-repairs/">Citizens Advice sets out a list of steps</a> you might want to take before court action.</p> </div> </div> </div> <div class="expandable panel component"> <a class="expandable-title collapsed" data-toggle="collapse" href="#expandable972111" aria-expanded="false"> <p> Certain types of industrial injuries claims </p> </a> <div id="expandable972111" class="collapse"> <div class="expandable-body copy-block"> <p>If you became ill or disabled because of an accident at work or on an approved training course, you might be able to make a claim for industrial injuries benefit, or a related benefit or allowance.</p> <p>Claims are submitted to the Department for Work and Pensions.</p> <p>Some CMCs offer help making these claims, but you can also make the claim yourself for free.</p> <p>You might also consider making a personal injury claim if you’ve been injured at work.</p> <p><a href="https://www.acas.org.uk/advice">ACAS</a> can give you advice on a potential claim.</p> </div> </div> </div> </div> </section> <section id="section-what-to-expect-if-you-decide-to-use-a-cmc" class="copy-block fca-consumers"> <div class="container"> <h2>What to expect if you decide to use a CMC</h2> <p>CMCs that are authorised by us must follow our rules. They must: </p> <ul> <li>provide you with a 1-page summary of all the key information, before you sign a contract </li> <li>supply a detailed breakdown of how they will charge you, including examples (this may be called a 'cost illustration') </li> <li>offer a 14-day cooling off period during which you can cancel your contract without being charged </li> <li>update you on key developments with your claim </li> <li>tell you clearly about schemes such as the Financial Ombudsman Service or the FSCS, or any other official ways you can claim </li> <li>ask you to confirm that you don’t want to make a claim by yourself for free, if you’re making a financial services claim </li> <li>clearly explain how to complain if you’re unhappy with the service they provide </li> </ul> <p>They must not: </p> <ul> <li>send you emails or texts (unless you’ve agreed to receive them) </li> <li>make marketing calls to you unless you’ve specifically agreed to receive them  </li> <li>approach you in person </li> <li>use any form of high-pressure selling such as asking for on-the-spot decisions </li> <li>charge you more than 20% plus VAT of your claim if you're making a PPI claim which you started after 10 July 2018 </li> </ul> <p>Please check the individual legal regulators’ websites for information on what rules CMCs authorised by them must follow. </p> </div> </section> <section id="section-complaining-about-a-cmc" class="copy-block fca-consumers"> <div class="container"> <h2>Complaining about a CMC</h2> <p>If a CMC is <strong>authorised by us</strong> and you're unhappy with how it’s handled your case, find out <a data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="33028e22-bb67-46ff-9df5-889256c13c39" href="/consumers/how-complain" title="How to complain">how to complain</a>.</p> <p>If the firm is regulated by a legal regulator, visit the relevant website for information about making a complaint.</p> </div> </section> <div class="node_view"></div> <div 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