The Simple Way to Get Your PPI Refund

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Oracle Legal Ltd Terms and Conditions

Please Read Carefully


We want your decision to use Oracle Legal Ltd to pursue your claim to be the right decision for you. We are committed to providing a professional, simple to understand and easy to use service. We aim to be completely transparent in all our dealings with you and these Terms and Conditions explain our obligations to you and yours to us. They will be at the heart of our relationship, and our contract with you, please take time to read them carefully.


“” is a trading name of Oracle Legal Ltd, a limited liability company and a third party claims handler Regulated by the Claims Management Regulator in respect of regulated claims management activities (Authorisation No. CRM17936) and registered in England and Wales with number 06810900 it has its registered office at Lester House Business Centre, 21 Broad Street, Bury, Lancashire, BL9 ODA.

“Fee” means the fee payable to Oracle Legal Ltd for Services being 39% Plus VAT of any compensation recovered by us for you. For example, if we recover £2,000 compensation, our fee would be £720 (inclusive of VAT at the prevailing rate) and you would receive £1,280. Your claim will be handled on a No Win No Fee Basis. If you have an outstanding balance on your loan/credit card the finance provider may use your PPI refund to reduce this balance. For example, if you have a balance outstanding of £500 on your loan and we recover £2,500 the financial provider may use the refund to pay off your debt and issue the remaining £2,000 as a cash payment. Our fees would be £900 (inclusive of VAT at the prevailing rate) leaving you with £1,100 and your loan fully paid off. Please note that some lenders will also pay 8% statutory interest as part of your compensation figure, this payment is subject to income tax. Our fees will be due on the gross amount offered (the amount of redress prior to HMRCs deduction).

“Compensation” means (but is not limited to) any one or more of the following or a combination of them:

• a refund either to your bank account or by cheque
• a reduction of your loan balance
• a reduction of your arrears

“Services” means the services provided by Oracle Legal Ltd including assessing the viability of, preparing, submitting and negotiating your claim.

“us” and ”we” means Oracle Legal Ltd.
“you” means you, the person(s) entering this agreement.

“No Win No Fee” means if you do not win your case you do not have to pay any fees to us. If you win a payout you will be charged 39% +VAT. If the case is not pursued at your request after the first 14 days, a fee is payable.

Your Options

Before you agree to our terms and conditions it is important that we inform you of other ways you can make a PPI complaint. All banks and the Financial Ombudsman Service offer a complaints process which would allow you to make a complaint independently.

1. By signing and returning the Letter of Authority in the claim application form you will:

1.1 Accept these Terms and Conditions and enter into a binding contract;

1.2 Agree that the compensation can be sent directly to us and we will retain our Fee before paying the balance of the Compensation to you. Should the compensation be paid direct to you, or credited to an outstanding loan, bank account or credit card, we will invoice you direct for the Fee which will become immediately due and payable to us. If this Fee is not paid in full within 28 days of the date invoice we may commence debt collection proceedings to recover the debt owed to us. If you have an Individual Voluntary Arrangement (IVA) or are in a Debt Management Plan (DMP) please be aware that fees are still payable.

1.3 Still be liable for our Fee if any reasonable offer of compensation is rejected by you.

1.4 Cooperate with us when we need documentation from you by promptly responding to calls, texts, emails and letters. To pursue your claim we will help you complete a Financial Ombudsman Service questionnaire, we may also need documents relating to your finance, such as credit card statements.

1.5 Notify us if you receive any correspondence from your lender regarding your PPI claim.

2. Oracle Legal Ltd will:

2.1 Rely on the information and documents provided by you to Oracle Legal Ltd as being true, accurate, and complete; service

2.2 Use our reasonable endeavours to obtain compensation for the claims which are pursued. We will try to resolve your complaint directly with the financial provider via their complaints procedure. If unsuccessful, we will refer the case to the Financial Ombudsman Service, we may also contact the underwriter of your policy or the FSCS (if appropriate).

2.3 Promptly notify you if the claim is not to be pursued. We will act reasonably in taking any such decision;

2.4 Promptly notify you of the outcome of the claim;

2.5 As soon as is reasonably practicable following the settlement of a claim and the Payment of compensation by the company to Oracle Legal Ltd pay you the balance of the compensation, after deducting the Fee;

2.6 Keep you informed by post, telephone, emails and SMS message about the progress of your claim, offers, products and services which may be of an interest to you. If you do not want us to do this you can write to us at: E-Marketing, Oracle Legal Ltd, Lester House Business Centre, 21 Broad Street, Bury, BL9 ODA.

3. Cancellation terms

3.1 You have 14 days (which starts on the date you signed the authority) to cancel your authority, instructing us to act on your behalf. This can be done by writing to the address immediately above.

3.2 If you cancel the contract after 14 days Oracle Legal Ltd reserves the right to make a reasonable charge for the work undertaken in pursuit of your claim. This will be calculated based on the amount of work completed, including the number of letters and phone calls made in pursuit of your claim.

4. Complaints

4.1 We hope you are happy with our service, but if you should have any reason to complain please do not hesitate to contact us. A copy of our complaints handling procedure is available on request or can be found on our website at If you would like to make a complaint you can contact us by writing to: Customer Relations, Oracle Legal Ltd, Lester House Business Centre, 21 Broad Street, Bury, Lancashire, BL9 ODA; or by telephone on 0800 840 7292 or by email to

If we are unable to help you after 8 weeks, then you can have the complaint independently looked at by the Legal Ombudsman. You can contact them by emailing, calling 0300 555 0333 or writing to, Legal Ombudsman, PO Box 6804, Wolverhampton, WV1 9WG. For more information about the Legal Ombudsman please visit

5. Governing Law

5.1 This contract will be subject to the laws of England and Wales.

I/We confirm that I/We have read the Terms and Conditions and by signing the Letter of Authority confirm acceptance of them and wish Oracle Legal Ltd to act on my/our behalf. If you do not understand any part of our Terms and Conditions please ask for guidance.