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 and three worked scenarios 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), includes VAT, and every band carries a maximum total fee.
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 — and once our first cases complete, we'll publish our refusal rate on this page.
Calculate yours.
Fee bands and maximum total fees are as set out in the Contingency Fee Agreement. All figures include VAT at 20%.
Simple tiers.
| Total compensation received | Max % rate (inc VAT) | Max total fee (inc VAT) |
|---|---|---|
| £1 – £1,499 | 36% | £504.00 |
| £1,500 – £9,999 | 33.6% | £3,000.00 |
| £10,000 – £24,999 | 30% | £6,000.00 |
| £25,000 – £49,999 | 24% | £9,000.00 |
| £50,000 or above | 18% | £12,000.00 |
Both the maximum % rate and the maximum total fee include VAT at the prevailing rate of 20%. Your fee is whichever is the lesser of the two for your band.
See the maths.
Scenario 1
£1,000 offer, no balance
- Offer
- £1,000.00
- Our fee
- £360.00
- Cash to you
- £640.00
Scenario 2
£1,000 offer, £200 balance
- Offer
- £1,000.00
- Our fee
- £360.00
- Balance cleared
- £200.00
- Cash to you
- £440.00
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
- £360.00
- Balance cleared
- £640.00
- Cash to you
- £0.00
You also save ~£255.36 a year in future interest charges
Your options.
Cost
- DIY:
- Free
- Recoup:
- Tiered — up to 36% inc VAT, with a maximum total fee per band
- CMC:
- Varies
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
Transparency
- DIY:
- N/A
- Recoup:
- Methodology + fees published up front
- CMC:
- Often not disclosed
Regulated entity
- DIY:
- N/A
- Recoup:
- Clear Legal (SRA 469975)
- CMC:
- Varies
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:
Ending the agreement after your claim reaches the Ombudsman.
You can cancel free of charge within 14 days of signing. After that, if you end the agreement without a win after we have submitted your claim to the Financial Ombudsman Service, the Contingency Fee Agreement lets us charge for the work done at £140 per hour plus VAT — capped at £250 including VAT.
Settling directly with your lender.
If your lender approaches you directly and you settle your claim with them yourself while we are acting for you, that counts as a win under the Contingency Fee Agreement and our fee under the charging table still applies. If a lender contacts you, refer them to us.
We disclose these scenarios up front, so there are no surprises.
Questions answered.
It happens. We'll send you a link to settle our fee directly. The amount is the same either way.
You have a statutory 14-day cooling-off period after signing, during which you can cancel at no cost. After that, you owe nothing in almost every scenario. See the edge cases section above for the exceptions.
Our fee is tiered by the amount recovered — from 36% (inc VAT) on the smallest recoveries down to 18% (inc VAT) on the largest — and every band carries a maximum total fee. You pay whichever is the lesser. The full charging table is above, and the same table appears in the agreement you sign.
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.