Terms of Website Use

Legalcostfinance.co.uk is a website operated by Credit Legal FCA number 660739 (“We/our/us”). We have our office at 3 Orbis Wharf, Bridges Court Road, London SW11 3GW. We act independently and have no exclusive arrangements with any specific creditor.

This policy sets out the terms between you and us under which you may access our website https://www.legalcostfinance.co.uk (“website”), whether as a guest, visitor or a registered user. “Website” means the website located at lcm0208.wpengine.com, any subsequent URL which may replace this website, and all associated URLs, micro websites and websites, which include https://www.legalcostfinance.co.uk .

“You/your” means you as a user of the Website. “User” means all users of this Website. We offer this Website, including all information, tools and services available from this Website, to you conditioned upon your acceptance of all the terms, conditions, policies and notices stated here.

Please read these terms of use carefully before you start to use the website. By using our website, you indicate that you accept these terms of use and that you agree to abide by them together with all policies listed at our website. If you do not agree to these terms of use, please refrain from using our website.

Access to our website is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our website without notice (see below). We will not be liable if for any reason our website is unavailable at any time or for any period.

From time to time, we may restrict access to some parts of our website, or our entire website, to users who have registered with us.

If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these terms of use.

You are responsible for making all arrangements necessary for you to have access to our website. You are also responsible for ensuring that all persons who access our website through your internet connection are aware of these terms, and that they comply with them.

You may use our website only for lawful purposes. You may not use our website:

in any way that breaches any applicable local, national or international law or regulation.

  • in any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect.
  • for the purpose of harming or attempting to harm minors in any way.
  • to send, knowingly receive, upload, download, use or re-use any material which does not comply with our content standards.
  • to transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam).
  • to relate to transactions involving (a) narcotics, steroids, certain controlled substances or other products that present a risk to consumer safety, (b) drug paraphernalia, (c) items that encourage, promote, facilitate or instruct others to engage in illegal activity, (d) stolen goods including digital and virtual goods (e) items that promote hate, violence, racial intolerance, or the financial exploitation of a crime, (f) items that are considered obscene, (g) items that infringe or violate any copyright, trademark, right of publicity or privacy or any other proprietary right under the laws of any jurisdiction, (h) certain sexually oriented materials or services, (i) ammunition, firearms, or certain firearm parts or accessories, or (j) ,certain weapons or knives regulated under applicable law.
  • to relate to transactions that (a) show the personal information of third parties in violation of applicable law, (b) support pyramid or ponzi schemes, matrix programs, other “get rich quick” schemes or certain multi-level marketing programs, (c) are associated with purchases of annuities or lottery contracts, lay-away systems, off-shore banking or transactions to finance or refinance debts funded by a credit card, (d) are for the sale of certain items before the seller has control or possession of the item, (e) are by payment processors to collect payments on behalf of merchants, (f), are associated with the sale of traveller’s checks or money orders, (h) involve currency exchanges or check cashing businesses.
  • to involve the sales of products or services identified by government agencies to have a high likelihood of being fraudulent.
  • to violate applicable laws or industry regulations regarding the sale of (a) tobacco products, or (b) prescription drugs and devices.
  • to involve gambling, gaming and/or any other activity with an entry fee and a prize, including, but not limited to casino games, sports betting, horse or greyhound racing, lottery tickets, other ventures that facilitate gambling, games of skill (whether or not it is legally defined as a lottery) and sweepstakes unless the operator has obtained prior approval from PayPal and the operator and customers are located exclusively in jurisdictions where such activities are permitted by law.

You also agree:

  • Not to reproduce, duplicate, copy or re-sell any part of our website in contravention of the provisions of our terms of website use.
  • Not to access without authority, interfere with, damage or disrupt:
  • any part of our website;
  • any equipment or network on which our website is stored;
  • any software used in the provision of our website; or
  • any equipment or network or software owned or used by any third party.

We will determine, in our discretion, whether there has been a breach of this term of website use policy through your use of our website. When a breach of this policy has occurred, we may take such action as we deem appropriate.
Failure to comply with this acceptable use policy constitutes a material breach of the terms of website use, upon which you are permitted to use our website, and may result in our taking all or any of the following actions:

  • Immediate, temporary or permanent withdrawal of your right to use our website.
  • Immediate, temporary or permanent removal of any posting or material uploaded by you to our website.
  • Issue of a warning to you.
  • Legal proceedings against you for reimbursement of all costs on an indemnity basis (including, but not limited to, reasonable administrative and legal costs) resulting from the breach.
  • Further legal action against you.
  • Disclosure of such information to law enforcement authorities as we reasonably feel is necessary.

We exclude liability for actions taken in response to breaches of this policy. The responses described in this policy are not limited, and we may take any other action we reasonably deem appropriate.

We are the owner or the licensee of all intellectual property rights in our website, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy, and may download extracts, of any page(s) from our website for your personal reference and you may draw the attention of others to material posted on our website.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of material on our website must always be acknowledged.

You must not use any part of the materials on our website for commercial purposes without obtaining a licence to do so from us or our licensors.
If you print off, copy or download any part of our website in breach of these terms of use, your right to use our website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

Images of people or places displayed on our website are either the property of, or used with permission by us. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted by these terms of use or specific permission provided elsewhere on our website. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

Commentary and other materials posted on our website are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our website, or by anyone who may be informed of any of its contents.

We aim to update our website regularly, and may change the content at any time. If the need arises, we may suspend access to our website, or close it indefinitely. Any of the material on our website may be out of date at any given time, and we are under no obligation to update such material.

The material displayed on our website is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, other members of our group of companies and third parties connected to us hereby expressly exclude:

  • All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.
  • Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our website or in connection with the use, inability to use, or results of the use of our website, any websites linked to it and any materials posted on it, including, without limitation any liability for:
  • loss of income or revenue;
  • loss of business;
  • loss of profits or contracts;
  • loss of anticipated savings;
  • loss of data;
  • loss of goodwill;
  • wasted management or office time; and
  • any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.

This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.

We process information about you in accordance with our privacy and cookies policies. By using our website, you consent to such processing and you warrant that all data provided by you is accurate.

We allow conclusion of transactions for the supply of services or information through our website. Contracts for the supply of services or information formed through our website or as a result of visits made by you shall be governed by our terms and conditions of supply which you shall be separately detailed to you when relevant prior to the conclusion of any such transaction.

We may from time to time provide a feature that allows you to upload material to our website, or to make contact with other users of our website, if you make use of such feature then you must comply with the content standards set out in our terms of website use policy. You warrant that any such contribution does comply with those standards, and you indemnify us for any breach of that warranty.
Any material you upload to our website will be considered non-confidential and non-proprietary, and we have the right to use, copy, distribute and disclose to third parties any such material for any purpose. We also have the right to disclose your identity to any third party who is claiming that any material posted or uploaded by you to our website constitutes a violation of their intellectual property rights, or of their right to privacy.
We will not be responsible, or liable to any third party, for the content or accuracy of any materials posted by you or any other user of our website.
We have the right to remove any material or posting you make on our website.

You must not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our website, the server on which our website is stored or any server, computer or database connected to our website. You must not attack our website 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 website will cease immediately.

We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our website or to your downloading of any material posted on it, or on any website linked to it.

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, but 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 from any website that is not owned by you.

If you wish to make any use of material on our website other than that set out above, please contact us.

Where our website contains links to other websites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those websites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.

The English courts will have exclusive jurisdiction over any claim arising from, or related to, a visit to our website although we retain the right to bring proceedings against you for breach of these conditions in your country of residence or any other relevant country. These terms of use are governed by English law.

The trademarks, logos, and service marks (collectively the “Trademarks”) displayed on our website are registered and unregistered Trademarks of ours and others. Nothing contained on our website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any Trademark displayed on our website without our written permission or the written permission of such third party that may own the Trademarks displayed on our website. Your misuse of the Trademarks displayed on our website, or any other content on our website, except as provided in these Terms and Conditions, is strictly prohibited. You are also advised that we will aggressively enforce its intellectual property rights to the fullest extent of the law, including the seeking of criminal prosecution.

We may revise these terms of use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we made, as they are binding on you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our website.

If you have any concerns about material which appears on our website, please contact us.

While we are always happy to hear from you, it is our policy not to accept or consider creative materials, ideas, or suggestions other than those we specifically request. This is to avoid any misunderstandings if your ideas are similar to those we have developed independently. Therefore we must request that you do not send to us any original creative materials such as music, lyrics, songs, screenplays, stories, original artwork, etc. Any communication or material you do transmit to our website by electronic mail or otherwise will be treated as non-confidential and non-proprietary. Anything you transmit or post may be used by us or our affiliates for any purpose, including, but not limited to, reproduction, disclosure, transmission, publication, broadcast and posting. Furthermore, we are free to use any ideas, concepts, know-how, or techniques contained in any communication you send to our website for any purpose whatsoever including, but not limited to, developing, manufacturing and marketing products using such information.

Terms of Business

We install and administer payment plans that help you to affordably spread your legal costs over a convenient time period.

Our services include:

  • Reviewing your case to make sure it has merit.
  • Negotiating discounts on your legal fees to achieve a ‘cost-neutral’ financing solution.
  • Advising you on how to minimise your upcoming legal expenses.
  • Directing you to specialist funding providers who will offer you a range of available credit options.
  • Providing case management services to reduce the costs involved in your legal case and optimise the outcome.

Lawyers often ask clients to pay their legal fees ‘on account’ or ‘up front’.  That’s because it’s expensive to run a legal practice and lawyers have many costs such as office rent, staff, insurance etc.  As a result, most lawyers can’t afford to wait while you pay off your fees by instalments, and they don’t like chasing unpaid bills.

Payment plans enable you to pay your lawyer’s fees in advance, while you enjoy affordable repayments over a convenient time period with predictable (fixed) monthly instalments.

A payment plan ensures that you know exactly what your legal bill will be at the end of the month, and that unpleasant surprises are avoided.  This is particularly important in litigation cases where unexpected legal costs can suddenly arise.

We aim to achieve a ‘cost-neutral’ credit facility for you.  That is, by subscribing to LEGAL COST FINANCE, your lawyer will aim to offset your financing costs (including interest payments) by offering a commensurate discount on their fees for the initial twelve-month period.

A licensed consumer credit broker (one that specialises in procuring credit for legal cases) will make an application on your behalf to obtain a credit facility to cover your legal costs.

If you wish, you can choose your own credit broker and link the procured funds to your payment plan, or we can direct you to a specialist credit broker, such as CreditLegal.

Once your credit application is approved, you will enter into a credit agreement directly with the credit provider.

The credit funds you receive must be paid into a dedicated bank account (Client Account), the details of which we will supply to you in due course.

The funds held in the Client Account are applied towards your payment plan.

We charge you a Set-up Fee of £59 for arranging a payment plan that is linked to an unsecured credit facility of up to £25,000.

The Set-up Fee covers an assessment of your application, credit broker selection, and negotiation of appropriate discounts on your legal fees.  An additional fee of £30 may apply if a case merits report is required to qualify you for a payment plan.  The above fees are non-refundable.

Please note that we will suggest specialist credit brokers at first instance (such as CreditLegal) who will procure your credit facility on the basis of best available market terms.   In most cases, the credit brokers will make up to three attempts to submit your credit application with different providers and advise you on the best offered terms.

Upon successful submission of your credit application with a credit provider, we will ask you to pay a fee of £15 for every £1000 of approved credit.  A minimum fee of £165 applies.  This fee covers the installation of your payment plan, and is fully refundable to you if we are unable to install your payment plan for reasons outside your control.

You will not be eligible for a refund of the £165 fee if we are unable to install your payment plan due to you changing your mind and/or refusing to enter into a credit agreement with a credit provider.

For payment plans that are linked to alternative lending arrangements (secured credit facilities, or higher risk credit facilities), we may propose a separate fee structure, as instalment and administration of such ‘payment plans’ may require additional time, attention and resources.

Application times will vary depending on the credit provider’s internal processes; however, in most cases that are linked to unsecured credit facilities, it is possible to obtain confirmation of a successful submission within 24 to 48 hours.

Credit facilities can be arranged for periods of up to five years.  The amount of interest you pay on unsecured credit facilities is determined on the basis of your credit history, your repayment capacity and your elected repayment terms. For secured or alternative credit facilities, additional parameters will be required to assess the terms of your credit.

Please note that your credit broker may decide NOT to submit an application to a financier if there are obvious deficiencies in your application such as incapacity to service the credit facility or issues with the your credit history.

You will be notified if and when a credit provider either approves or declines your application.

In the event that your application is declined, you may be asked to provide further details of your credit history in light of improving your chances for subsequent applications. You may also be asked about pursuing further credit applications in light of the information ascertained directly from a credit provider and/or your credit report.

In the event that your credit application is approved, you will be provided with a copy of the credit agreement containing the terms and conditions applicable to your credit facility.

To be an eligible applicant for a payment plan you must:

  1. be a UK resident with a permanent UK address;
  2. be over the age of 18*;
  3. have a UK bank account with a credit/debit card facility;
  4. have sufficient income to afford regular repayments;
  5. have a healthy credit history (no major defaults on previous credits facilities, bankruptcies, or relevant County Court Judgements).

*Please note: your chances of a successful application are higher if you are between the ages of 23 and 74.

A default on your credit facility will be subject to the terms and conditions of the credit agreement that you enter into.  It is likely that the credit provider will try to recover their funds, and that your credit history may be adversely affected.

As a condition of your payment plan, you hereby agree to deposit and maintain the funds in a designated Client Account as directed by us.

The Client Account is not your lawyer’s account, and shall be administered independently.

The Client Account will be subject to the following conditions:

  • Following receipt of your credit funds, the full amount of the credit facility shall be deposited in the Client Account within 2 business days.
  • Failure to comply with the above condition may result in your lawyer not giving you a discount on your legal costs.
  • You hereby authorise us to receive copies of all bills presented to you by your legal representative.
  • Monies from the Client Account shall be paid to your legal representative subject to the said bill being vetted and approved by us.
  • If we choose not to approve a bill, you can override that decision.
  • If you object to a bill being paid, you must notify us immediately
    providing reasons for the objection.
  • We will consider your objection to the payment of a bill, and if we feel that your objection has merit, we will refrain from paying the bill
    and recommend a dispute resolution process.
  • Any monies remaining in the Client Account following completion of your legal matter shall be refunded to you.

Additional terms and conditions about the operation of the Client Account may be provided to you in advance of your ‘payment plan’ being installed.

Clients who instruct barristers directly (pursuant to the Public Access Scheme) and need to make advance payments (on account) in respect of their legal case requirements, shall use BARCO (Bar Council’s escrow account service) for such purposes subject to BARCO’s Standard Framework Agreement.

We will ask your legal representative to provide a discount off your legal bills in exchange for the assurance of funds availability and payment guarantees –
as presented via your creditor.

Unless agreed otherwise, the discount is intended to cover your cost of credit for a period of one year – the annual payable rate of interest (APR).

For example, if your legal representative estimates their professional costs in the order of £24,000 (including VAT), we would ask them to provide a discount of £1,730 – the APR (£1,440, if calculated at 6%)), to ensure that you pay only £22,560 (including VAT) to your legal representative, so overall you don’t pay more than the total original estimate of £24,000, despite having the convenience of a payment plan.

Your legal representative may spread the discount across a number of invoices – systematically taking amounts off each issued invoice.

If you choose a repayment period of greater than one year, the discount offered by your legal representative may not cover the interest rate charges you incur over the second and subsequent years.  However, we will endeavour to arrange further discounts with your legal representative, at the relevant time, to cover additional interest charges, as and where appropriate.

We will require your legal representative to provide us with an estimate of anticipated professional legal costs in relation to your matter.

We may ask your legal representative to cap their fees in order to protect you. The cap arrangement may be a prerequisite to us agreeing your ‘payment plan’.

We will also request that your legal representative provides regular updates of incurred professional charges to both you and us. You hereby authorise us to obtain such updates on your behalf from your legal representative.

We may, from time to time, also require that your legal representative notifies us when certain amounts of previously agreed cost estimates have been reached. You hereby authorise us to obtain such notifications on your behalf from your legal representative.

We may require that your legal representative reflects the above cost controls in their engagement terms.

If your legal representative fails to observe the cost controls, this may constitute a breach of our business terms and/or their engagement letter.

Moreover, if we note anything questionable in your legal representative’s billing process, we will provide recommendations to you on how to address the issue, and may (subject to your consent) refrain from authorising payment to the legal representative until the issue is resolved.

If you decide to enforce the cost controls we may assist you in this process as part of our Legal Case Management service (see section below).

You may request our Legal Case Management services if you need assistance with lawyer relations (e.g. providing instructions to your legal representative, preparing necessary documentation, obtaining post-advice support, and/or dealing with ancillary matters including resolution of billing disputes and cost optimisation).

In some instances, the use of Legal Case Management may be a condition of your payment plan.  This may be required by the financier to minimise risks – ensuring that the appointed legal representative applies the funds they facilitate effectively.  Ultimately, this serves to protect your interests too.

The fee for LCM is agreed on a case-by-case basis depending on the complexity of services required.  We will always provide you with a cost estimate in advance.

We keep confidential all information (not currently in the public domain) relating to you and your case. Any communications regarding the details of your case with any third party (excluding your legal representative) shall be made subject to the express and written consent provided by you in advance.

We are registered in England and Wales with the Companies House number 8685383 and maintain our offices at Orbis Wharf, Battersea, London SW11 3GW.
We have no exclusive arrangements with any law firm or credit broker.
We do not refer clients to credit brokers nor receive any commissions in respect of any of our clients that use the services of a credit broker.

You hereby release and indemnify Legal Cost Finance Limited and CreditLegal with respect to:

  • any and all liability related to, or arising from your credit agreement with your creditor; and
  • any and all liability previously incurred by you or may be incurred by you in the future as a result of, or incidental to, any breach of professional duties or negligence by your legal representative(s), or any third party howsoever related to your legal matter.

For the avoidance of doubt, and in particular for the purposes of Section 75 of the Consumer Credit Act 1974, Legal Cost Finance Limited is not your creditor, and does not enter into a credit agreement with you.

These terms shall be governed and construed in accordance with the laws of England and Wales.

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