Mis-selling claims — car finance commission, unaffordable lending, packaged bank accounts, PPI and more — are often handled by claims companies that take a slice of your money. Here’s how they work, how eLitigant works, and how to do it yourself.
How claims management companies work
Claims management companies (CMCs) find or contact people who may have a claim, complete the complaint or claim form, and submit it on your behalf — then take a cut of any compensation you receive. They are regulated by the FCA and there are caps on what they can charge, but you still lose a percentage of your own payout, and the work itself is largely filling in a form with your information.
How eLitigant works
eLitigant is not a claims management company and not a law firm. You tell Chris your facts; Chris drafts your complaint to a high, professional standard; and you check it, sign it and send it yourself — dealing directly with the firm and, if needed, the free Financial Ombudsman Service. There is no commission, no success fee and no percentage taken — you keep every penny of any refund or compensation.
| A claims management company | eLitigant — DIY with Chris | |
|---|---|---|
| Cost | A percentage of your payout (often 10% or much more) | Free to draft |
| Commission | Yes — taken from your compensation | None, ever |
| You keep | Whatever is left after their cut | 100% of any refund or compensation |
| Who sends it | They submit on your behalf | You sign and send it yourself |
| Contact | Sign-ups, calls and chasing | No calls — just your complaint, ready to send |
Claims you can make yourself
- Car finance commission complaint — the motor-finance redress scheme (2007–2024 agreements).
- Unaffordable / irresponsible lending — payday, doorstep, guarantor and catalogue loans.
- Packaged bank account reclaim — monthly account fees mis-sold to you.
- PPI mis-selling and car finance PCP complaints to the Financial Ombudsman.
How it works — three steps
- Tell Chris what happened, in plain English.
- Check & sign the complaint Chris drafts to a high standard.
- Send & keep 100% — you submit it yourself and deal directly with the firm and the free Ombudsman.
How Chris helps
Chris drafts your mis-selling complaint to a high standard — you sign and send it, and keep all of any payout. Not a law firm, not a claims management company.