Transparent.
No surprises.
You pay a percentage of what we recover. Nothing else. If we don't win, you don't pay. The full fee table, three worked scenarios, and our published refusal rate are below.
Step 1 — Free. Always.
Connect your bank, see your number. If we find a valid case, you'll see the estimated recovery before you commit to anything. No payment details. No commitment. Disconnect any time.
Step 2 — Free.
You decide whether to instruct Clear Legal Limited to act on your behalf. If you say yes, we proceed. If you say no, the analysis stops here and nothing happens. Either way, no fee.
Step 3 — Fee only if you win.
When the lender pays redress, we deduct our fee from the recovered amount. If the lender refuses and the Financial Ombudsman rejects the case too, you owe nothing. Our fee structure is tiered (see below) and capped below the regulator's maximum.
Our commitment.
- 1
Free to check, always.
No payment details, no commitment. Disconnect any time.
- 2
We only earn if you win.
No win, no fee. Ever.
- 3
Your recovery clears your overdraft first.
Then any remainder is paid to you in cash.
- 4
No hidden charges, no hourly fees, no surprises.
If you cancel, you owe nothing — except in one specific scenario disclosed below.
- 5
We refuse meritless cases.
If we don't believe a complaint will succeed, we tell you so. The number we publish on this page proves we mean it.
Calculate yours.
Fee bands current as of May 2026. Placeholder pending Clear Legal commercial agreement.
Simple tiers.
| Recovery | Recoup fee | You keep |
|---|---|---|
| Up to £1,000 | 36% | 64% |
| £1,001 – £5,000 | 30% | 70% |
| £5,001 – £15,000 | 24% | 76% |
| Above £15,000 | 18% | 82% |
Figures inclusive of VAT. Capped at £15,000 per case.
See the maths.
Scenario 1
£1,000 offer, no balance
- Offer
- £1,000.00
- Our fee
- £250.00
- Cash to you
- £750.00
Scenario 2
£1,000 offer, £200 balance
- Offer
- £1,000.00
- Our fee
- £250.00
- Balance cleared
- £200.00
- Cash to you
- £550.00
You also save ~£79.80 a year in future interest charges
Scenario 3
£1,000 offer, £1,000 balance
- Offer
- £1,000.00
- Our fee
- £250.00
- Balance cleared
- £750.00
- Cash to you
- £0.00
You also save ~£299.25 a year in future interest charges
Our numbers.
We declined 31% of potential cases this quarter.
We pursued 1,247 cases. We settled 71% of those.
We escalated 138 to the Financial Ombudsman.
We recovered £2.1M for customers.
Why we declined cases:
- ·Evidence not strong enough (61%)
- ·Excluded under rule criteria (24%)
- ·Customer-initiated forbearance observed (10%)
- ·Other (5%)
Placeholder data — populated from real case outcomes after first cohort.
Real example.
Customer 2026-03-12 · Barclays current account
Recovered: £1,842.00 · Duration: 11 weeks
Rule pack version: 1.0.3
What we found
47 consecutive months in arranged overdraft between Feb 2022 and Dec 2025. Average daily balance: -£684. Total fees charged: £1,742. No hardship intervention observed in transaction data, no fee waivers, no contact recorded.
What was breached
FCA CONC 5C.7 (Persistent debt — credit cards and overdrafts) and FCA Consumer Duty outcomes for customers in vulnerable circumstances.
Redress calculated
£1,742.00 in fees + statutory interest at 8% = £1,842.00 redress.
What they paid
- Our fee:
- £464.45 (25.2% — banded)
- Balance cleared:
- £284.00 (full overdraft cleared)
- Cash paid to customer:
- £1,093.55
Synthetic case for demonstration — real cases published with customer consent.
Your options.
Cost
- DIY:
- Free
- Recoup:
- Up to 25% of recovery
- CMC:
- Up to 36% of recovery
Time investment
- DIY:
- ~10 hours over weeks
- Recoup:
- ~3 minutes (bank connect)
- CMC:
- Variable — paperwork-heavy
Detection
- DIY:
- You read every statement manually
- Recoup:
- AI reads 6 years in seconds
- CMC:
- You tell them which lenders
Evidence quality
- DIY:
- What you can find
- Recoup:
- Transaction-level proof with regulatory citation
- CMC:
- Templated complaint letter
FOS escalation
- DIY:
- You file yourself
- Recoup:
- Clear Legal escalates
- CMC:
- Some do, many don't
Lender pushback
- DIY:
- You handle it
- Recoup:
- AI-drafted rebuttal, solicitor reviews
- CMC:
- Hit-or-miss
Track record
- DIY:
- N/A
- Recoup:
- Refusal rate published
- CMC:
- Often not disclosed
Regulated entity
- DIY:
- N/A
- Recoup:
- Clear Legal (SRA 469975)
- CMC:
- Varies — many CMCs lost FCA authorisation in 2025-2026
If keeping every penny matters more than time or evidence quality, do it yourself — the Financial Ombudsman is free. If you want the highest-quality case built fastest, we're built for that.
Honest about limits.
We won't take your case for:
Motor finance commission disclosure
The FCA's redress scheme (finalised 2025) handles this for free. We don't compete with a free regulatory remedy.
PPI mis-selling
The FCA's mass redress process closed in 2019. There's nothing left for us to do here.
Business overdrafts
Different regulatory regime (commercial credit), different evidence requirements, different fee structure. Not our specialism.
Joint accounts where the other party hasn't consented
Both account holders need to agree before we can pursue. We won't act on one party's instruction over the other's objection.
Anything where the harm is older than six years
UK statute of limitations on contract claims. We can sometimes argue extensions, but as a default we say no.
We say no a lot, on purpose. If a case isn't strong enough to win, pursuing it wastes everyone's time and damages the regulated complaints regime that protects everyone else.
Full disclosure.
The only scenarios where you might bear a cost:
FOS withdrawal after escalation.
If your bank rejects your complaint, we've escalated to the Financial Ombudsman Service on your behalf, and you later ask them to stop investigating after they've started work — the Financial Ombudsman charges firms a case fee. If you've withdrawn, we pass on that fixed charge.
Intentional misrepresentation.
If you intentionally misrepresent information to us (e.g. denying customer-initiated forbearance that did occur), and that misrepresentation is discovered after we've incurred costs, we may seek recovery of those costs from you under the Conditional Fee Agreement.
Neither scenario has applied to a Recoup customer — we publish them openly.
Questions answered.
It happens. We'll send you a link to settle our fee directly. The amount is the same either way.
You owe nothing, in almost every scenario. See the edge cases section above for the two exceptions.
We charge below the regulator's maximum because we believe small recoveries shouldn't be eaten by fees.
Recoup builds the technology. Clear Legal (SRA-regulated) provides the legal services. The combination is why our complaints carry more weight than self-submitted ones — and why we can escalate to FOS on your behalf.
It's on your case dashboard, under 'evidence'. The version is stamped at evaluation time and is immutable — even when we improve the rule pack later, your case still references the version that decided it.