Mortgage Claim Form2019-08-08T19:19:50+00:00

Mortgage Claim Form

To start your Mortgage Assessment, please fill in the form below.

Before you start your mortgage claim, please read through our FAQs.  If you have any further questions please call us on

Local Rate: 01606 800181 Freephone: 0800 862 0605

I don’t have my mortgage paperwork; can I still claim?2019-08-06T15:23:45+00:00

This is no problem! We can obtain all the relevant documents from your lender. The more information you provide us the quicker we can get the ball rolling with your claims.

What if I know longer own the property I mortgaged?2019-08-06T15:23:30+00:00

If you have been forced to sell your home or downsize due to being unable to afford it, this is a strong ground for a mis sell, there is a strong chance that your mortgage was mis-sold.

My mortgage was joint with a person I no longer speak to or they are now deceased?2019-08-06T15:23:15+00:00

That is fine we are still able to take your claim forward on a single applicant basis, however you will only be eligible for half of the total amount compensated, if your claim is successful.

If the applicant is deceased, we would need the death certificate, name of the executor of the deceased estate, and grant of probate or letters of agreement. Please be aware not all lenders supply the relevant information for the deceased, in this instance we will not take the case forward if the claim is only for the deceased.

What are the fees?2019-08-06T15:22:54+00:00

Civil Claim Services Ltd do not charge anything for the initial investigation and referral to the solicitor. Once we have identified you have a potential case, we will place your case with the most suited solicitor on our panel. Whichever legal team you are placed with, they will take your case forward on a complete no win no fee basis. Depending on which solicitor the case is placed with, your fees will typically range between 25-35% + VAT. Certain law firms will take out an After The Event Insurance policy (ATE policy) to ensure you are protected from paying any legal fees if your claim is unsuccessful. To make things crystal clear, you will not be charged if your claim is unsuccessful.

How long does the claim take to settle?2019-08-06T15:22:33+00:00

As these cases can be quite complex, it can take around 12 – 24 months to complete.

Am I still eligible to claim if I am in an IVA or Debt Management Plan?2019-08-06T15:22:07+00:00

Our legal team can still take your claim on, if your claim is successful, any awards (minus the charges payable for the successful claim) will go towards your IVA or DMP. If you still have money left over after paying into the IVA or DMP, the remainder will be awarded to yourself. We also have a product which is much more suitable than an IVA or DMP which is called debt write off, our legal team can take you out of the IVA or DMP and put you into a much shorter plan with less of a negative effect on your credit file, just ask your claims handler.

What if the broker/advisor is no longer trading?2019-08-06T15:13:39+00:00

If the induvial or firm who arranged your mortgage is no longer trading, that is fine the legal team will lodge your claim with the Financial Services Compensation Scheme (FSCS).

Will making a claim affect my mortgage?2019-08-06T10:08:56+00:00

Regardless if your mortgage was self-certified and the broker who advised is still trading or not, your mortgage provider has a duty of care and a responsibility to treat you fairly. Under no obligation do they have any right to ask for the mortgage to be repaid or change the payments because a claim is being made.

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