What is the success fee percentage?

Ask any representative to state the exact success fee percentage and whether VAT is added on top. At Proximo Legal Services this is set out in your client agreement before you proceed.

What happens if I cancel after the cooling-off period?

Ask whether a cancellation fee applies and how it is calculated. Your client agreement must set out the cancellation terms clearly.

Are you authorised and regulated by the SRA or FCA?

Solicitors firms are regulated by the Solicitors Regulation Authority (SRA). Claims management companies are regulated by the Financial Conduct Authority (FCA). Always verify the regulator and reference number on the relevant public register.

Will I be kept informed of progress?

Ask how often you will receive updates, who your point of contact will be, and how to reach them.

What do I need to provide to start a claim?

Ask whether documents are required upfront. Many firms, including Proximo Legal Services, can begin with just your basic personal details and trace agreements on your behalf.

Guidance

Do You Need a Law Firm for a Motor Finance Claim?

No. You can make a motor finance complaint yourself, for free.

If you think you were mis-sold motor finance, you have the right to complain directly to your lender without using a solicitor, claims management company, or any other representative. The FCA motor finance redress scheme is designed to be accessible to consumers without professional help.

Your free options

You can complain directly to your lender at no cost. Under the FCA redress scheme, lenders are required to assess eligible agreements and contact customers who may be owed compensation.

If you are unhappy with your lender's response, you can refer your complaint to the Financial Ombudsman Service. The FOS is a free, independent service. You do not need a solicitor or representative to use it.

Why some people choose a law firm

Some consumers prefer to use a regulated law firm or solicitor for their motor finance claim. Common reasons include:

They want someone to manage the process on their behalf
They are unsure whether their agreement is eligible
They have multiple agreements and want consolidated support
They want legal representation if their case is disputed

Using a law firm does not guarantee a better outcome. It means a professional handles the process for you, in exchange for a fee if the claim succeeds.

What No Win, No Fee means

If you use a No Win, No Fee law firm, you pay nothing upfront. If your claim is unsuccessful, you pay nothing. If your claim succeeds, the firm takes a percentage of your compensation as a success fee. This percentage is agreed before you instruct the firm and must be disclosed to you clearly.

What fees may apply

Success fees vary between firms. At Proximo Legal Services, the success fee and its range are set out in your client agreement before you proceed. You can also cancel within the cooling-off period without charge — your agreement will confirm the cancellation terms.

Questions to ask before choosing any representative

What is the success fee percentage?
What happens if I cancel after the cooling-off period?
Are you authorised and regulated by the SRA or FCA?
Will I be kept informed of progress?
What do I need to provide to start a claim?

What Proximo Legal Services does

Proximo Legal Services Limited is an SRA-regulated law firm, not a claims management company. We handle motor finance claims on a No Win, No Fee basis. If you would like us to check your agreement, you can start a free eligibility check with no obligation to proceed.

Start your free check

Official sources

The information on this page reflects current FCA guidance and regulatory position.