Terms & Conditions

For your records — You should read this Agreement carefully before signing.

• "Claim" or "Claims" refers to any complaint or right of action you may have or have made against a third party concerning the mis-selling of Financial Product or any violation of laws relating to that product.
• "Data Protection Legislation" means the applicable laws on data privacy and protection in the UK, including the Data Protection Act 2018 and the UK General Data Protection Regulation (UK GDPR).
• "FCA" means the Financial Conduct Authority.
• "Fee" or "Fees" refers to the charges you are required to pay us, as detailed in these Terms of Engagement.
• "Financial Product" include personal contract purchase agreements (PCPs), hire purchase, vehicle finance agreements, high-cost short-term credit (e.g. payday loans), other types of credit agreements (such as loans or credit cards), any undisclosed commission Financial Products, and/or breaches of the Consumer Credit Act 1974 (as amended).
• "FOS" means the Financial Ombudsman Service.
• "FSCS" means the Financial Services Compensation Scheme.
• "Gross Amount" is the full sum of any redress offered before any deductions, including tax, our fees, or any reductions due to outstanding debt or arrears.
• "Letter of Authority" means the document signed by you that authorises us to act on your behalf in dealing with the third party and accessing information relevant to your claim(s).
• "Personal Data" refers to any information that identifies, or could identify, an individual, such as a name, ID number, location, or online identifier.
• "Redress" means any payment, benefit, refund, discount, interest, capital recovery, goodwill gesture, reduction of outstanding debt, or redress you receive as a result of our work on your claim. If a higher amount is offered following an appeal, that revised sum will be used to calculate the redress.
• "Services" refers to the activities we undertake for you in relation to your claim, as outlined in clause 2 of this agreement.
• "Third Party" means the business or person the claim is made against, including banks, consumer or business lenders, brokers, financial advisers, or any other individual or organisation that sold or advised you on the Financial Product.
• "Mark Leckie", "We", "Us", or "Our" refers to Mark Leckie.
• "You" or "Your" refers to the client(s) whose details are included in the signed Letter of Authority.

Mark Leckie is a claims management company registered in England & Wales under company registration number 12838621 whose registered office address is 85 Gresham Street, London, EC2V 7NQ.

Mark Leckie is authorised and regulated by the FCA with firm registration number FRN: 934965. These details can be confirmed by visiting the Financial Services Register.

Upon receipt of Your signed Agreement and Letter of Authority We will investigate all potential vehicle finance Claims We identify during Our investigation, falling within the above ‘Financial Product’ definition.

• We will complete an initial assessment of previous finance agreements You have previously held, by completing a soft credit check on Your credit file.
• To assist Us in Our investigation in establishing whether You have had vehicle finance and whether the vehicle finance was mis-sold to You. We will request a DSAR (Data Subject Access Request) from the Third Party.
• To assist in Our investigation, We may also obtain information on Your agreements under section 77 of the Consumer Credit Act 1974.
• We will complete a thorough investigation into all of Your previous vehicle finance agreements, establishing if You were mis-sold, including estimated amount of loss.
• We will assess the likelihood of Your Claim being successful and provide Our claims management advice on Your Claim. If We believe You do not have the basis of a successful Claim, We will inform You that We cannot pursue Your Claim.
• If We believe We have sufficient grounds for a successful Claim, We will accept Your Claim and prepare a letter of Complaint, which We will submit on your behalf to the Third Party.
• We will enter into correspondence and consultations with the Third Party in pursuit of Your Claim for Redress — currently there is a pause in motor finance complaints until 4th Dec 2025, due to this there could be a delay in correspondence from the Third Party.
• If the Third Party requests additional information or documentation regarding Your Claim, We will notify You immediately.
• Pursue the Third Party in the event of non-correspondence/non-response from them, including keeping You updated.
• On receiving the final response from the Third Party, ensure the Third Party has responded to all complaints raised in the letter of complaint.
• We will provide You with regular updates on the developments of Your Claim, (every 6 months or as and when We receive new information) by phone, post, email and SMS.
• We will inform You in writing if We receive an offer of Redress made by the Third Party and provide advice regarding whether You should accept/decline the offer.
• If Your Claim is rejected by the Third Party and We believe there is a good chance of success, We may seek Your agreement to refer the claim to the FOS for a final decision.
• We will always act in Your best interests when pursuing Your Claim and achieving for You the best result realistically obtainable.
• If You accept the Redress offer from the Third Party, the Third Party will transfer the Redress payment to Our designated client account. We will then process the payment based upon the Gross Amount of any Redress within 2 business days of receiving the payment and pay Your Redress by BACS, net of Our Fees (including VAT).

• Guarantee to win a Claim We accept and pursue.
• Give/offer You financial advice or legal advice.
• Pursue a Claim that in Our opinion has no realistic chance of success, and We reserve the right to cancel this Agreement if We form this opinion.
• Tell You to accept an offer We consider to be insufficient or to reject an offer We consider adequate.
• Accept an offer of Redress on Your behalf without Your agreement.
• Take Your case to court (although We will inform You if We think You should).
• We will not represent You in any civil litigation matter with regards to your vehicle finance Claim.
• Coach You to answer any questions.
• We need You to tell Us if You have ever been declared bankrupt, are subject to a bankruptcy petition, are subject to or have ever been subject to an individual voluntary arrangement, have proposed an individual voluntary arrangement which is yet to be approved or rejected by creditors or are subject to or have ever been subject to a debt relief order.

• Provide Us with consent to apply Your signature to all Letters of Authority for each potential Claim to each Third Party.
• Provide all documentation in Your possession which relate to this Claim, including copies of Your driving license, passport, suitability report, finance agreements and all other documentation requested.
• Provide all relevant information/documentation We may request without delay.
• Provide Us with clear instructions, cooperate fully, provide accurate information on time, respond promptly, attend required meetings or calls, and avoid actions that could harm the claim without prior consent.
• Notify Us immediately if You become aware of a change in circumstances that could affect the Claim outcome.
• Fully co-operate with Us at all times.
• Not to mislead Us in any way, provide false answers to questions or ask Us to act in an improper or unreasonable way.
• Contact Us immediately if You receive offer of payment/Redress from the Third Party.
• Provide Us with the sole and exclusive authority to process Your Claim for the duration of the contract.
• Inform Us promptly if You have any outstanding liabilities with the Third Party.
• Inform Us promptly if You have ever been declared bankrupt or are subject to a bankruptcy petition or an Individual Voluntary Arrangement (IVA) or a Debt Relief Order (DRO) or a debt management plan.

• If Your Claim is unsuccessful, there will be no Fee to pay Us.
• The payable figure is before any offset of outstanding debts/tax (Gross Figure).
• The Fee illustration is not an estimate of how much money We will recover for You.
• If You were referred to Our firm, We may pay a referral Fee to the introducer.
• If a Claim is successful and Redress is awarded, We will charge You between 15% plus VAT (18% in total) and 30% plus VAT (36% in total) of the total value of each successful Claim.

Note: Total Redress means the Gross Amount of compensation. Payment of Your Redress will be by bank transfer, after the deduction of Our Fees.

• The Third Party will send the Redress payment to Our designated client account. We will then process the payment within 2 business days of receiving the payment and pay Your Redress by bank transfer, cheque or card net of Our Fees (including VAT).
• In the event the Third Party sends the Redress payment to You direct, We will invoice You and You must then pay Our invoice within 14 days of receipt of the invoice.
• Payment should be made by bank transfer, cheque, or card. To pay by card, please call Us on +44 (0) 203 337 2888.
• Non-payment of Our Fees may result in a debt recovery, which may lead to a County Court Judgment.
• You consent to Us receiving and holding any Redress money related to Your vehicle finance Claim in accordance with the FCA CASS 13 client money rules.

• You have the right to cancel this Agreement within 14 days without charge. The cooling off period will expire after 14 days of You signing Our Letter of Authority.
• Cancellation must be sent in writing to: Mark Leckie, 85 Gresham Street, London, EC2V 7NQ or email enquiries@mlholdings.co.uk.
• You have the right to terminate this Agreement after 14 days, before an offer of Redress from the Third Party. We reserve the right to charge a reasonable Fee for work completed (£55 + VAT per claim stage, max £165 + VAT).
• If You have received an acceptance of liability or an offer of Redress from the Third Party, the full Fee as stated in section 5 will be due.

We can terminate this Agreement under the following conditions:

• If You provide false/misleading information in support of Your Claim.
• You fail to respond to Our requests for information.
• We believe the Claim is fraudulent.
• If We become aware of bankruptcy or IVA that You had not previously informed Us of.

The Agreement will start when You sign Our Letter of Authority and will continue until:

• You or We terminate in accordance with section 7 and section 8 above.
• You have received Your Redress and have paid Our Fees for all Claims We are processing on Your behalf.
• Your Claim is rejected by the Third Party, and there is no chance of success if pursued further by Our firm.

• You will not receive Redress in the event of an unsuccessful Claim.
• There is a possibility of You paying Our Fees in the event of a successful Claim, but not receiving Redress due to debt owed to the Third Party.
• There is a possibility of You paying Our Fees in the event of a successful Claim but not receiving Redress due to being subject to an IVA/DRO/CCJ/bankruptcy petition.
• Termination or cancelling this agreement under section 7 or section 8 above.

• Should You have a complaint, write to The Complaints Department, Mark Leckie, 85 Gresham Street, London, EC2V 7NQ, phone +44 (0)16 1399 4631, or email enquiries@mlholdings.co.uk.
• We will send a written acknowledgment of the complaint and a copy of Our complaints procedure within 3 business days.
• If We do not resolve Your complaint within 8 weeks, You can refer it to the Claims Management Ombudsman: Exchange Tower, Harbour Exchange, London, E14 9SR.

• We will hold, control and process Your Personal Data in accordance with the Data Protection Act 2018.
• You can request a copy of all information We hold relating to You by writing to Us.
• We will use the Personal Data You provide to assess Your Claim and carry out Our duties.
• We may share Your Personal Data with other companies if necessary during the processing of Your Claim.
• Please view Our Privacy Policy for full details of how We process Your Personal Data.

You are entitled to seek further advice in relation to Your Claim. You don't have to use a claims management company to make a Claim. You have the right to shop around, or You can make a Claim direct to Your lender or the FOS for free.

These Terms of Engagement have been in force since receipt by You.

• This Agreement will be binding upon You and Mark Leckie.
• We reserve the right to amend, modify or vary the terms of this agreement.
• This Agreement is governed by the laws of England and Wales.