Credit Check Policy

In order to obtain evidence of your identity and credit agreements to proceed with your claim as soon as practicable we need your express consent to complete a credit check.

We confirm your identity through an electronic service provided by (ENTER NAME) who use (ENTER NAME Credit Reference Agency). We utilise this facility to validate your name, address, and other personal information supplied by you against appropriate third party databases. This may also include any current or previous credit agreements in your name. You will be charged a fee of (ENTER FEE) for the searches made.

In performing these checks, personal information provided by you will be disclosed to (WHICH CREDIT REF AGENCY?) who may retain a record of that information. A credit check is performed and may be visible and may affect your credit rating. All information provided by you will be treated securely and strictly in accordance with the Data Protection Act 2018 and The UK General Data Protection Regulations {UK GDPR).

By consenting to the credit check, you are consenting to us sharing your personal data and credit report data with our legal partner The Claims Guys, who will be dealing with your claim.

© APJ 2018. All rights reserved Anthony Philip James & Co is a limited company, registered in England and Wales, under registration number 10011883, registered office Pure Offices, Lakeview 600, Lakeside Drive, Centre Park Square, Warrington, WA1 1RW and is authorised and regulated by the Solicitors Regulation Authority under SRA 629443. ICO number APJ ZA188164. A list of the directors is available for inspection at the above office, together with details of their professional qualifications. INFORMED DECISION MAKING: APJ believe in giving clients informed choices, we have significant experience in submitting claims for Mis-sold Financial products but please note that you do have a choice as to whether or not you instruct us to act on your behalf. While many choose to do so, individuals are not required to use the services of a firm to pursue their claim. It is possible for an individual to present a claim themselves, either to the person against whom they wish to complain or to the relevant statutory ombudsman or the statutory compensation scheme for free, where the claim is one that falls within a statutory compensation scheme, such as the Financial Ombudsman Scheme or the Compensation Scheme. APJ have proven abilities to successfully challenge decisions made by various statutory bodies and can also deal with any shortfalls which involve litigation as a regulated firm of solicitors. Full details of our fees, disbursements and After the Event (ATE) insurance will be provided before you decide to engage our services. LIMITATION AND TIME LIMITS: All prospective claims are subject to statutory time limits, depending upon the date of advice given or the date you became aware something was potentially wrong. APJ can discuss this further with you should you submit an enquiry. FEES AND CHARGES: We work on a No Win No Fee bases, subject to exclusions, which may include disbursements and cancellation charges. Full details of our fees will be provided before you decide to engage APJ’s services. This firm is not authorised by the Financial Conduct Authority, however, we are included on the register maintained by the Financial Conduct Authority so that we can carry on insurance distribution activity, which is broadly the advising on, selling and administration of insurance contracts. This part of our business, including arrangements for complaints or redress if something goes wrong, is regulated by the Solicitors Regulation Authority. The register can be accessed via the Financial Conduct Authority website a www.fca.org.uk/firms/financial-services-register. MARKETING: Please note that we employ the services of a number of companies for marketing, promotional and administrative services, including the introduction of work to us. Anthony Philip James & Co Limited make payments to these companies in relation to the provision of their services, and this includes reimbursement to them for the cost of fees that they may have paid to others for the introduction of work. These companies undertake to us to comply fully with the Solicitors’ Introduction and Referral Code, and to ensure that all their marketing activities comply with the activities permitted under the Solicitors’ Practice Rules and in relation to the making of payments to third parties. Any payments we make to them or other introducers will in no way affect the manner in which we deal with your case if we choose to take it on, as they do not have any control over the way we conduct your case. Details of which can be found in our Terms of Business.