Get a Free Claim Consultation

Speak with our award winning legal team today and find out if you are able to claim compensation

Call 01625 415 850

Get The Compensation You Deserve

  • 100% No Win No Fee
  • Over £101m Claimed
  • Established in 2001

Or arrange a call back by clicking below.


Based on 11,683 reviews.

Bott and Co fallback

Financial Mis Selling Terms And Conditions

Last Updated .

Based on 11,683 reviews.

Thank you for choosing Bott and Co Solicitors Ltd to take on your financial mis selling compensation claim(s).

These are the terms on which we agree to handle your claim.

If you are making this agreement online these terms will be accepted by you by pressing the “Submit Your Claim” button, and will be a binding legal contract between you and us. Please read these terms carefully and only press the “Submit Your Claim” button if you accept these terms. You should also check the information you’ve entered is correct before pressing the “Submit Your Claim” button.

By pressing the “Submit Your Claim” button this is confirmation that you accept the terms of this contract for each individual claim that you have with us. You will have a separate claim for each agreement that you have entered above. You will also be responsible for paying our charges as described in the ‘Our Charges and disbursements’ terms.

An email confirming these terms will be sent to you.  [ Please keep a copy of the email for your future reference.]

Please note that although our terms and conditions of business are detailed you will never have to pay us more than 35% + VAT of the damages or other financial benefit we obtain for you if you keep to our agreement.

Definitions of other words used in this document are as follows:

a) Charges – Our charges for pursuing your claim including any costs you become entitled to.

b) Claim – Your claim, whether or not court proceedings are issued, as described in the section “what is covered by this contract.”

c) Costs – Charges, disbursements, and any applicable tax including VAT.

d) Disbursements – Payments we make on your behalf including but not limited to court fees.

e) Fast Track claim-a claim allocated to or treated as allocated to the Fast Track for the purposes of costs.

f) Lien – Our right to keep all papers, documents, money or other property held on your behalf until all money due to us is paid.

g) Lose – The court has dismissed your claim or you have stopped it on our advice.

h) Multi-track claim-a claim allocated to or treated as allocated to the Multi-track for the purposes of costs.

i) Opponent – the party or parties from whom you are seeking compensation.

j) Small claim-a claim allocated or treated as allocated to the Small Claims track for the purposes of costs.

k) Start date – the date on which this agreement begins. This is the date on which we send you email confirmation of these terms.

l) Win – “Win” means that you recover damages or compensation or obtain other relief or succeed on any issue and/or an order for costs is made in your favour at any stage in your claim and/or an agreement is reached to pay costs in your favour at any stage in your claim and/or you derive any benefit from pursuing your claim.


You and we agree that this contract is a conditional fee agreement as prescribed by sections 58 and 58A of the Courts and Legal Services Act 1990 and the Conditional Fee Arrangements Order 2013. You and we acknowledge and agree that this contract is not a contentious business agreement within the terms of the Solicitors Act 1974 and it is not a damages-based agreement within the terms of the Courts and Legal Services Act 1990.


(i) Your claim for compensation or other relief for financial mis-selling arising from your motor finance agreement.

(ii) An application for pre-action or non-party disclosure.

(iii) Any action or application under data protection legislation.

(iv) An application to an Ombudsman or any financial compensation scheme.

(v) Negotiations about and/or a court assessment of the costs of this claim.

(vi) Any proceedings you take to enforce a judgment, order or agreement.


(i) Any appeal you make against the final judgment or order without our prior agreement.


We work on a no-win no-fee basis.  If you win your claim, you pay us our Charges. You also pay us our Disbursements – but we shall recover the cost of these from your opponent so they won’t be taken from your compensation. We calculate the charges you must pay differently depending on whether your claim is a small claim, Fast Track claim or Multi-track claim.

Small claims

If your claim is a small claim, our charges are a fixed fee in the amount of £1,000+VAT.

In addition, if any court proceedings are issued or an application is made and you become entitled to fixed costs under the Civil Procedure Rules 1998 you agree to pay us any costs prescribed by those rules and recoverable by you.

Fast Track and Multi-track claims or if you become entitled to standard basis or indemnity costs

Alternatively, if you become entitled to an order for costs on the standard or indemnity basis and/or your opponent agrees to pay your costs on the standard or indemnity basis you agree to pay us charges calculated at the following hourly rates for all the time we spend working on your case or that part of your case.

Grade of Fee Earner Hourly rate

Solicitors with over eight years post qualification experience including at least eight years litigation experience.


Solicitors and legal executives with over four years post qualification experience including at least four years litigation experience.

Other solicitors and legal executives and fee earners of equivalent experience £250
Trainee solicitors, para legals and other fee earners. £175

Please note that these hourly rates are in excess of the guideline hourly rates set by the courts The guideline hourly rates set by the court in 2021 for the like grades of fee earners are £261, £218, £178 and £126. It may be that you only recover costs at the guideline hourly rates and there will be a short fall. We consider it likely that there will be a shortfall but we cannot say how much. The hourly rates we charge are based on what we consider an appropriate level of profit.

The amount of the shortfall will depend on the difference between the hourly rates we charge and the hourly rates the court allows you to recover. The amount of the shortfall could be substantial. You  will remain liable to pay us the shortfall.

However we cap your overall liability for our charges and disbursements to ensure that you retain the majority of your damages as set out below

Cap on our charges and disbursements

In all cases, we will then limit any shortfall in recovery of our charges and disbursements payable by you (net of the contribution to your costs paid by your opponent) to a maximum of 35% + VAT of the damages you recover or other financial benefit you obtain from your opponent by pursuing your claim and waive our entitlement to the balance of our costs from you. The ATE insurance premium relates to a separate contract between you and the ATE insurer, and is not covered by this cap.

If on the way to winning or losing you are awarded any costs by agreement or court order, then we are entitled to payment of those costs.

We add VAT to the total of our charges at the rate that applies when the work is done (currently 20%). We are registered for VAT in the UK. Our VAT registration number is 768219105.

If you lose, you do not pay our charges or our disbursements and you will not be liable for any opponent’s costs and/or disbursements so long as you act reasonably – as the Small Claims court only awards costs against a claimant if they have behaved unreasonably.

We do not accept payment in cash or by credit card.

We are allowed to keep any interest your opponent is ordered to pay, or agrees to pay, on the costs.

If your opponent does not pay any damages owed to you, we have the right to take recovery action in your name to enforce a judgment order or agreement. The charges of this action become part of the charges under this contract.


Because there are circumstances in which you could be ordered to pay your opponent’s costs and thereby see your damages reduced or even exhausted and because you are liable to pay our disbursements even if you lose, we advise you to insure yourself against the risk of paying these costs.

We recommend a policy with Financial and Legal Insurance, with whom we exclusively recommend insurance under an agreement we have with them.

We believe that a contract of insurance with Financial and Legal is appropriate because:

  • Financial and Legal are a UK based and regulated insurer, which has to meet its regulators strict financial and solvency requirements
  • The policy meets your needs in that it provides insurance cover for your court fees, which we are satisfied will be sufficient for your case.
  • Financial and Legal have a reputation of paying insurance claims fairly and promptly
  • The Financial Services Compensation Scheme will apply
  • The cover provided protects you against your exposure to financial risks thus enabling you to pursue your case and seek your rightful access to justice
  • The premium is paid at the end of the case if you win, in which case it will be deducted from your compensation.
  • The premium is self-insured so that, if you are unsuccessful with the case, you will be covered by the policy but will not have to pay the premium
  • The premium does not vary depending on when your case settles, giving you certainty as to the overall cost
  • It is a delegated authority scheme that enables us to obtain insurance cover on your behalf immediately.

Under our agreement with Financial and Legal, when we enter into a CFA with a client for cases that fall within certain parameters, the client is required to enter into an ATE policy of insurance with Financial and Legal. We therefore require you to agree to enter into this ATE policy, if you want us to act for you.

You agree to give us delegated authority to arrange an ATE policy on your behalf.

This delegated authority scheme enables our clients to obtain insurance in instances where the premiums may be far higher and for cases that might well not be insurable elsewhere. We have no financial interest in Financial and Legal’s scheme and receive no commission. Our interest is merely for the benefit of our clients and also for administrative convenience in not having to submit ‘oneoff’ proposal forms and report to the insurers at regular stages whilst a case is being progressed.

We are not insurance brokers. The legal expenses insurance market is complex and changes frequently and we have not carried out any assessment of other alternative insurance products which may be available in the market. Different types of policy may be available.  For example, there are policies where the premium is heavily discounted if a case settles early.  However, the premium in such cases may be significantly higher if they go to trial.

We are not directly regulated 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 mediation 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 premium for disbursements cover is as follows:

Amount claimed Court fees Total ATE Premium
Above Below Issue Hearing
£0 £300 £35 £25 £60 £30
£300 £500 £50 £55 £105 £50
£500 £1000 £70 £80 £150 £70
£1000 £1500 £80 £115 £195 £90
£1500 £3000 £115 £170 £285 £135
£3000 £5000 £205 £335 £540 £255
£5000 £10,000 £455 £355 £810 £380

If your case is not allocated to the Small Claims track, we shall write to you further at that stage with further details of the insurance policy which covers you for your opponent’s costs.



(i) Must always act in your best interest subject to our duty to the Court.

(ii) Must give you our best advice about whether to accept any offer of settlement.



(i) Must give us instructions that allow us to do our work properly.

(ii) Must not ask us to work in an improper or unreasonable way.

(iii) Must not deliberately mislead us.

(iv) Must co-operate with us.

(v) Must not make any direct or indirect settlement of your claim with your opponent other than through us.

(vi) Must not instruct any other representative nor pursue your compensation claim against your opponent without first terminating this contract.

(vii) Agree that any compensation will be paid directly to us. In these circumstances you require the opponent to do so and authorise us to retain our charge, disbursements and VAT from the compensation before remitting the balance of the compensation to you.

(viii) Agree that any compensation shall be paid into an account designated by us.

(ix) Must inform us of any payment received from or offered by the opponent in respect of your claim.

(x) Must not communicate with your opponent in relation to this claim, other than through us.


Your claim is for compensation or other relief arising from financial mis-selling of a motor finance agreement that you made and arises from the commission arrangements which the lender has with the broker who arranged your finance.

Please note that we will not pursue any other losses or claims you may have against the dealer or lender, unless agreed by us in writing in advance. Your claim is defined in “What is covered by this contract” set out above.

The amount you ultimately receive will be dependent on any offer made to settle your claim, or if the claim goes to court then the amount will be decided by the judge.

Although the lender will have set parameters for the interest rate to be charged, commonly the broker will have had a discretion to set the interest rate as part of a commission arrangement between the lender and the broker. A higher interest rate results in more commission for the broker and a higher cost to you.

We believe this creates a conflict of interest between you and the broker and results in a higher interest charge to you than you would otherwise have paid. The FCA in an investigation into motor finance estimates that such arrangements result in a typical customer with a £10,000 agreement, paying around £1,100 more in interest charges over the term of their agreement.

If your Opponent refuses to agree an amicable settlement of your claim then court proceedings will become necessary. We will sign the court papers on your behalf and by instructing us to act on your behalf you agree to us taking this course of action if necessary and you agree to claim damages or other relief on the basis set out above. Signing the court papers involves us giving a statement of truth which is our affirmation that the information you have provided in the court papers are true. This statement of truth is very important and must not be taken lightly.


Under English law a claimant usually has a fixed amount of time to bring a claim, after which their claim will expire – this is known as the ‘limitation date’. This date can be extended indefinitely by issuing court proceedings.

The law relating to mis-sold motor finance is still very much new and developing and it is therefore uncertain exactly how much time a claimant has to bring their claim. However, based on the law as it currently stands, we believe that some things you could claim for would need to be brought within 6 years of the start of your agreement and others must be brought within 6 years of the end of the agreement.

In your case we do not yet know the start date of your agreement or when it ended. As such, we cannot clarify when the limitation dates are.

If you know the start and/or end date then please let us know this as soon as possible so that we can advise you further.

Please note that we will not be held liable for missing the limitation date if you have not provided us with the correct start and end date of your agreement.


Each individual case is different and it’s difficult for us to be able to tell you exactly when your claim will be settled as this very much depends on the attitude adopted by the opponent towards your case.    If your claim is a complicated case, there is the potential that it can take longer than a year for it to be settled. However, you can rest assured that we will keep you updated along the way.


You expressly request and authorise us to begin working on your claim before the end of the statutory cancellation period referred to below. You understand that by giving this authorisation you cease having the right to cancel the contract if our service has been fully performed.

You can end this contract at any time. If you do so after the cancellation period, you agree you will pay us our costs calculated on the assumption that you would have won your claim on the date when you end this contract.

We can end this contract if:

  • you do not keep to your responsibilities.
  • we believe you are unlikely to win; or
  • you reject our opinion about making a settlement with your opponent.
  • we believe that the value of your claim is uneconomical for us to pursue because the value of the claim is unlikely to exceed £500.
  • you become insolvent by reason of bankruptcy, entering into a voluntary arrangement.

If we do so after the cancellation period, because you do not keep to your responsibilities you agree you will pay us our charges calculated on the assumption that you would have won your claim on the date when we end this contract.

If we do so after the cancellation period, because you reject our opinion about making a settlement with your opponent you agree you will pay us our costs calculated on the assumption that you would have won your claim on the date when we end this contract.

If you die before your claim is concluded and your personal representatives continue your claim, we will be entitled to be paid in accordance with this contract if your personal representatives go on to win your claim.

After this contract ends, we may apply to have our name removed from the record of any court proceedings in which we are acting.


We are required to provide to you with certain information under Schedule 2 of the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. Where it is relevant to this contract, the required information is contained in this document.


You have the right to cancel this contract and you can do so within 14 calendar days starting from the date on which you receive our email confirming our contract with you.  If you wish to cancel your contract with us, you must inform us as soon as possible before the end of this 14-calendar day period. You can inform us of your wish to cancel via telephone, post or email. You may use the attached model cancellation form, but you do not have to. Our contact details are:

Telephone: 01625 415 800

Address: Bott and Co Solicitors Ltd, St Anns House, Parsonage Green,

Wilmslow, SK9 1HG.


To meet the cancellation deadline, it is sufficient for you to send your communication concerning your exercise of the right to cancel before the cancellation period has expired.

Please note that we record all our phone calls in order to provide a record of your explicit consent on a durable medium.


Your claim is being handled by the Motor Finance Claims Team, which is headed up by Legal Manager, Nick Spain. He will supervise all the work which will be undertaken. We’re committed to high quality legal advice and client care. If you are unhappy about any aspect of the service you have received or about the bill, please contact Nick Spain in the first instance on 01625 415800 or by post to our Wilmslow office. We have a procedure in place that details how we handle complaints and which is available from us. We have eight weeks to consider your complaint. If we have not resolved it within this time you may complain to the Legal Ombudsman.

If you are not satisfied with the way we’ve handed your complaint, you can ask the Legal Ombudsman to look into the complaint. The Legal Ombudsman may be contacted in writing at P.O. Box 6808, Wolverhampton, WV1 9WJ or by email at or by telephone at 0300 555 0333. Further information is on the website at Normally, you will need to bring a complaint to the Legal Ombudsman within six months of receiving a final written response from us about your complaint or within a year of the act or omission about which you are complaining occurring (or you becoming aware of it). In addition, disputes may be submitted for online resolution to the European Commission Online Dispute Resolution Platform.

If you are objecting to our bill you may also have a right to apply to the court for an assessment of the bill under part 3 of the Solicitors Act 1974. You have a right to have any bill we send you assessed by a judge. Time limits apply. You have an absolute right to an assessment if you make an application within 1 month of delivery of our bill. However, the Legal Ombudsman may not deal with a complaint about a bill if you have applied to the court for assessment of that bill. You should also note that if all or part of the bill remains unpaid, we may be entitled to charge interest.


If we cease acting for you, there may be circumstances in which we may be entitled to exercise a lien for unpaid costs. Prior to exercising a lien, we would always try to ensure that your position is not prejudiced.

As part of our ongoing commitment to client care, our files are confidentially audited from time to time by an external independent auditor. If you do not wish for your files to be audited, please let us know.

After completing your case, we are entitled to keep all your papers and documents while there is money owing to us for our charges and expenses.  We will archive our file of papers (except for any of your papers, which you ask to be returned to you) for six years, after which they will be destroyed unless you specifically request us to keep any documents safe and for which we may levy a charge.

Specifically, we will not release your archived file of papers to you or another firm of solicitors prior to payment of a charge for the cost of storage and retrieval which will be a minimum of £30 plus VAT.

We are required by our regulator to hold professional indemnity insurance. Our professional indemnity insurance provides cover on a UK basis and is underwritten by Axis Speciality Europe S.E. Plantation Place South, 60 Great Tower Street, London EC3R 5AZ.

This contract, and any claim or dispute arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims), will be governed by and construed in accordance with the law of England and Wales and the courts of England and Wales will have exclusive jurisdiction to settle any such claim or dispute.

For further information on how we process your data, please refer to our Privacy Policy located at 


Bott and Co is a trading name of Bott and Co Solicitors Ltd, which is a firm authorised and regulated by the Solicitors Regulation Authority, SRA Number 605593. The professional rules of the SRA with which we are bound to comply can be accessed at Our registered office address and address for correspondence is St. Ann’s House, Parsonage Green, Wilmslow, Cheshire, SK9 1HG. Bott and Co Solicitors Ltd is a private limited company.

Call us on 01625 415 850

Lines open: Mon – Fri 8am – 8pm; Sat & Sun 10am – 4pm

Email us on