Your Claims Expert Limited — Investment Pipeline

176 lenders · 50,919 claims · generated just now
Out for a new LOA
1,234 customers
1,522 claims awaiting signature — 1.23 claims per customer. The chase is 1,234 conversations, not 1,522.
Authority in place — claims we can progress today
14,316
Includes all 9,254 claims the lender has acknowledged: once a complaint is acknowledged the Letter of Authority remains in force by law, so those claims carry authority regardless of signature date.
Claims progressing
14,316
80% of the live book
Acknowledged by lender
9,254
complaint accepted
Live claims
17,960
9,877 customers
Concluded
32,959
closed or resolved
Refreshing authority
1,234 customers
1,522 claims where we are collecting an updated Letter of Authority — 1.23 claims per customer, so this is 1,234 conversations rather than 1,522. These return to active progression as each signature lands.

Investment

Agreed investment — £500,000
£456,558 received
91.3% of the agreed £500,000 is in. £43,442 remains to be drawn. Each investor holds 25% of Your Claims Expert Limited against a £250,000 commitment.
InvestorAgreedInvested to date Left to invest Funded
RM£250,000£228,279£21,72191.3%
PC£250,000£228,279£21,72191.3%
Total£500,000£456,558£43,44291.3%
The £20,000 received on 31 March 2025 was paid by RM and is recorded as £10,000 to each investor by agreement.

Projected return on today's live pipeline

£
Every figure below recalculates from this number. The £900 default is drawn from FCA publications and commission actually recorded on cases in the case-management system.
Gross fee pool — 17,960 live claims
£2,424,600
17,960 live claims × £270 fee per successful claim × 50% expected to succeed = 8,980 successful claims. If every live claim succeeded the pool would be £4,849,200.
The fee is £270 per successful claim — an average claim value of £900 with a 30% fee charged to the customer, net of VAT. £900 × 30% = £270. Every figure below is built from that one number, so a different average claim value moves them all proportionally.
InvestorInvestedCapital returned Profit shareTotal returnMultiple
RM£228,279£228,279£377,871£606,1502.7×
PC£228,279£228,279£377,871£606,1502.7×
Of every £1 of gross customer fee: 15p panel law firm 25p RM 25p PC 35p AG — so on a £2,424,600 pool, the panel law firm retains £363,690 and pays the 85% balance to Your Claims Expert Limited. Capital is returned to the investors in full before profit is split.

How the split is calculated

Per £100 of gross customer feeAmount
Gross customer fee£100
Retained at source by the panel law firm (15%) £15
Distributable profit£85
Adjusted distributable profit — the 15% added back £100
A Ordinary (AG) — 50% × £100 less the £15 £35
B Ordinary (RM + PC) — 50% × £100 £50
The 15% retained at source is added back before the 50/50 split and then charged wholly to the A Ordinary share, so the investors' half is calculated on the full gross figure rather than on the balance. That is why £50 of every £100 — £25 to each investor — is the B Ordinary entitlement. Deed of Addendum clause 12.3.
Basis. Live claim count is today's figure from the table above. The fee is an average claim value of £900 at 30% net of VAT. The 50% success rate is a forecast, not a measurement — only 63 of 59,299 claims have so far reached a final decision, which is too few to measure a rate from. These are projections on stated assumptions, not a valuation, a forecast of distributable profit, or a promise of return. Investment figures are drawn from the company bank account to 2026-08-13.

Cancellation billing

Cancelled customers who owe a fee
1,586 customers · 3,613 claims · £169,625
Work already carried out on these files is valued at £938,624. Each customer is offered a discounted full-and-final settlement of £75 for the first claim + £25 for each further claim (VAT included), which totals £169,625. 1,699 customers billed to date; 1,586 bill(s) open. Payment is by bank transfer only.
Customers who owe a fee
1,586
cancelled after cooling-off; signed agreement on file
Claims billed
3,613
cancelled claims with evidenced work
Total amount — work done
£938,624
itemised at contractual rates, inc. VAT
Discounted settlement total
£169,625
82% below the work value
Customers billed to date
1,699
£182,125 invoiced at the settlement figure
Paid to date
£0.00
0 bill(s) settled
Reinstated instead
113
£12,500 of bills withdrawn; claims carry on
Of the 2,141 cancelled customers (5,993 claims):Every bill is withdrawn while we check if the customer tells us they did not ask us to cancel.

Did not sign a renewal Letter of Authority

Customers who stopped co-operating
916 customers · 1,194 claims · up to £75,650
Their lender needed a fresh Letter of Authority and it was never signed, so work stopped on 28 August 2026. Each is sent a 14-day notice: sign and the claim carries on at no cost, or the agreement ends under paragraph 7(d) and they are billed for the work already done (valued at £280,510), settled at £75 for the first claim + £25 for each further claim. 145 notices sent so far; 0 billed after the notice ran out; 0 signed or otherwise resolved.
Of the 2,347 customers (3,599 claims) whose claims closed this way: 916 have billable work under their agreement and get the notice; 1 are held for a member of staff (they declined with a reason, replied, or are vulnerable or flagged); the rest are not billed (no billable work under their agreement, another claim still live, a request still open, our requests may not have reached them, or they responded to us and have been written off).

Claims by lender

LenderLiveProgressingAcknowledged Refreshing LOACustomersConcluded 
Black Horse Ltd2,2221,4966094724283,539
Motonovo Finance1,4081,22593333312,329
Santander Consumer (UK) plc1,17598776718161,508
Volkswagen Financial Services (UK) Limited1,00383770437372,475
Moneybarn8568337291212696
BMW Financial Services LTD71860145337311,424
RCI Financial Services LTD67958046272451,395
PSA Finance UK6435535001111710
brighthouse - administration60627200033
Advantage Finance5935474851313412
Lloyds Banking Group56638916810291821
Close Motor Finance Limited52646414456411,177
Toyota Financial Services (UK) Plc48839823460561,707
Ford Credit Europe46436629026261,110
Hyundai Capital UK Ltd406360264441,147
FCA Automotive Services UK Ltd3852445112194401
Vauxhall Finance37332117729291,071
Blue Motor Finance Ltd29825511999626
Stellantis Financial Services29627423997290
Oodle Finance2912622232322577
Northridge Finance27626019955465
Startline Motor Finance25323718544476
Honda Finance Europe Plc22519517533527
First Response Finance LTD2211352076671,021
Fce Bank Plc21619917688432
Mercedes Benz Financial Services UK Limited1881409155472
Barclays Partner Finance178154481919337
Moneyway1311178522224
Alphera Financial Services12611179107725
(no funder set)11245000299
Specialist Motor Finance Limited111987755131
Audi Finance104683177113
Bank of Scotland plc, trading as Capital Bank Vehicle Management97672498142
Suzuki Financial Services Ltd916428191887
Creation Consumer Finance Limited8857115569
Secure Trust Bank plc72674733263
Billing Finance Ltd6548266669
FGA Capital UK Limited613992219338
Car Finance 2476159482243
Peugeot Financial Services56491966109
Carfinance247 Limited555045573
Clydesdale Financial Services Ltd t/a Barclays Partner Finance54471533227
AutoLend543410181869
CAPQUEST481310024
PCF Bank Limited44222202056
Marsh Finance Ltd4337753153
Land Rover Financial Services4231169957
CIT GROUPUKLTD - dissolved401700058
Volvo Car Financial Services3925143372
Zopa Bank Limited3727165556
GMAC UK PLC3631133104
Autoaccept Finance341721120
Stoneacre Financial Services302126628
Fortis Lease Retail UK Ltd281110035
Shogun Finance Ltd2616710822
Arrow Global LTD26120101013
Jaguar Financial Services2520133328
Paragon Bank PLC211472277
Lex Autolease LTD21124993
Oplo Car Finance2019181144
Mallard Leasing Limited2015122235
Evolution Funding LTD20123116
CLS Finance Limited191202213
247 Money Group Limited191918007
1st Stop Car Finance Limited18181400116
Fenton Finance Ltd1818180053
Retail Money Market Limited t/a RateSetter1816100013
Conister Bank Limited1818180013
Mann Island Finance Limited1514130029
Halifax151240018
The Asset Exchange Ltd131300023
Perch Capital LTD1330006
MINI Financial Services1385004
Raphael Finance now R. Raphael and Sons Limited in liquidation12900021
Hitachi Capital (UK) PLC12110113
Loans 2 Go Ltd - NOT CAR FINANCE1260113
International Motor Finance Limited11843314
Kia Motors Finance11810013
MI Vehicle Finance Ltd10750062
V12 Vehicle Finance101090020
Hartwell Finance Limited101090018
Go Car Credit Limited9420077
Nissan Finance953119
ABC Car Finance (TESTLENDER)943008
Alphabet (GB) Limited7501118
The Funding Corporation Limited744316
Evergreen Finance - Not Car Finance740005
Fca Fleet Services Uk LTD721225
Unity Auto Finance LTD740334
Porsche Financial Services653005
Citroen Financial Services551116
Mitsubishi HC Capital UK PLC t/a Novuna541113
ALD Automotive Limited521112
AUTOMONEY MOTOR FINANCE521112
The Car Finance Company - administration510000
Lombard Asset Finance Group - Natwest4430022
SKODA Financial Services442004
Fiat Financial Services420223
SEAT Financial Services433112
Link Financial Outsourcing Limited422220
Universal Car Credit LTD410310
Temple Finance LTD - NOT CAR FINANCE400000
Other300001,097
CREDIT4CARS330007
Renault Finance322007
EOS Solutions UK Plc310226
S & S FINANCE LTD320116
Intrum Justitia300334
Arnold Clark320004
Corbetts Dudley Ltd330003
ASSET LINK CAPITAL (NO.10) LIMITED310222
Bank of Scotland plc321112
Family Finance Ltd2200047
Snap-On Tools Ltd220006
Stour Vale Finance Co Ltd220006
Droitwich Finance Limited210114
Cygnet Financial Services Limited222004
Lombard North Central Plc220003
Lease Plan UK221003
LONDON & SURREY MOTOR FINANCE LTD220001
BNP Paribas Leasing Solutions Limited220001
Carmoola Limited222001
Wye Finance Co Ltd200210
Quantum Funding220000
Zuto Car Finance Ltd220000
Azzurro Associates211000
LANTERN DEBT RECOVERY SERVICES LTD200110
Autobank Financial Services220000
Auto Advance220000
BNPP Creation Motor Finance111003
Zenauto Ltd100001
121 Finance Ltd100001
Zebra Finance100001
Hendy Car Supermarket100110
NFU Mutual Ltd111000
Trade Center Wales110000
Park Motor Finance Ltd100000
Otto Car Limited110000
Mazda Financial Services110000
Rolls Royce111000
First Vehicle Leasing100110
Credit Plus100110
HSBC Asset Finance110000
carloan2day110000
DEBT MANAGERS LIMITED100110
Hitachi Personal Finance110000
First Senior Finance000009
Debt Managers LTD000004
GLM FINANCE LTD000004
Bristol Street Motors000004
Jcb Finance LTD000003
Glenside Finance Ltd000003
Finance U Ltd000002
Glow Financial Services000002
Logbook Lending Ltd000002
FIRST TRUST BANK000002
Premium Plan LTD000002
Car Cash Point000002
JBR Capital Limited000002
Amigo Loans Ltd000002
Accept Car Credit Limited000001
Colin Appleyard Limited000001
Marshall Leasing000001
Leasys UK Ltd000001
Carmoney Ltd000001
Redline Finance000001
Admiral000001
Yorkshire Bank000001
Fort Used Car Centre000001
NIIB Group Limited000001
Aldermore Bank PLC000001
Direct Auto Finance000001
Nationwide Building Society000001
Oasis Motor Finance LTD000001
Ferrari Financial Services000001
Automotive Compliance Ltd000001