Claims Handbook Logo

Legal Disclaimer

Please read this disclaimer carefully before using this guide.

#General Information Only

This guide is provided for general informational and educational purposes only. It does not constitute legal advice, financial advice, or professional advice of any kind.

The information contained in this guide:

  • Is intended to help you understand your potential rights as a consumer
  • Provides general guidance on complaint processes
  • Offers template letters and suggested approaches
  • Should not be relied upon as a substitute for professional advice

#No Solicitor-Client Relationship

Use of this guide does not create a solicitor-client relationship, advisor-client relationship, or any other professional relationship between you and the author(s) or publisher(s) of this guide.

#Verify Current Information

Consumer rights law, regulations, and procedures change frequently. While every effort has been made to ensure the information in this guide is accurate at the time of publication:

  • Time limits may have changed
  • Compensation amounts may have been updated
  • Procedures may have been modified
  • Contact details may no longer be current
  • Legal precedents may have shifted

Always verify current rules, deadlines, and procedures before relying on any information in this guide. When in doubt, check:

  • Official ombudsman websites
  • Government guidance (gov.uk)
  • Regulator websites (FCA, Ofcom, etc.)
  • Citizens Advice

#No Guarantee of Outcome

This guide cannot and does not guarantee any particular outcome for your complaint or claim. Success depends on many factors including:

  • The specific facts of your case
  • The evidence you can provide
  • The company's response
  • Current legal interpretations
  • Ombudsman or court decisions

The success rates and typical payouts mentioned in this guide are illustrative only and based on historical data that may not reflect future results.

#Individual Circumstances

Every situation is different. The general guidance in this guide may not be appropriate for your specific circumstances. Factors that may affect your claim include:

  • The specific terms of your contract
  • Your individual financial situation
  • Time limits applicable to your case
  • Jurisdiction and applicable law
  • Evidence available to you

#When to Seek Professional Advice

Consider seeking professional legal or financial advice if:

  • Your claim involves large sums of money (Ā£10,000+)
  • Your case is complex or unusual
  • You've been rejected multiple times and don't understand why
  • Court proceedings are being considered
  • There are time-sensitive legal deadlines
  • You're unsure about your rights in your specific situation

Free sources of advice include:

  • Citizens Advice
  • Law Centres
  • University law clinics
  • Some solicitors offering free initial consultations

#Limitation of Liability

To the fullest extent permitted by law, the author(s) and publisher(s) of this guide:

  • Accept no liability for any loss or damage arising from use of this guide
  • Make no warranties about the completeness, accuracy, or reliability of the information
  • Are not responsible for any actions taken based on this guide
  • Are not liable for any third-party websites or resources linked from this guide

This guide contains links to external websites and resources. These links are provided for convenience only. We:

  • Do not endorse or control third-party content
  • Are not responsible for the accuracy of external information
  • Cannot guarantee external links will remain active
  • Recommend you verify information on official sources

#AI Tools

This guide discusses the use of AI tools to assist with claims. Please note:

  • AI tools can make mistakes
  • AI-generated content should be reviewed before use
  • AI cannot provide legal advice
  • Information from AI should be verified against official sources
  • You remain responsible for any content you submit

#Your Responsibility

By using this guide, you acknowledge that:

  • You are responsible for verifying information before acting on it
  • You will check current rules and deadlines
  • You understand this is general guidance, not advice specific to your case
  • You will seek professional advice if your situation is complex
  • Any decisions you make are your own responsibility

This guide is provided for personal, non-commercial use. You may share it with friends and family. You may not reproduce, distribute, or sell this guide without permission.

#Contact

This guide is published in good faith to help consumers understand their rights. If you believe any information is inaccurate or out of date, please let us know so we can update it.