1,529 claims awaiting signature — 1.23 claims per
customer. The chase is 1,240 conversations, not 1,529.
Authority in place — claims we can progress today
14,402
Includes all 9,316 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
14,402
80% of the live book
Acknowledged by lender
9,316
complaint accepted
Live claims
17,932
9,863 customers
Concluded
32,987
closed or resolved
Refreshing authority
1,240 customers
1,529 claims where we are collecting an updated Letter of
Authority — 1.23 claims per customer, so this is 1,240
conversations rather than 1,529. 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.
Investor
Agreed
Invested to date
Left to invest
Funded
RM
£250,000
£228,279
£21,721
91.3%
PC
£250,000
£228,279
£21,721
91.3%
Total
£500,000
£456,558
£43,442
91.3%
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 — 17,932 live claims
£2,420,820
17,932 live claims × £270
fee per successful claim × 50% expected to succeed =
8,966 successful claims. If every live claim succeeded the
pool would be £4,841,640.
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.
Investor
Invested
Capital returned
Profit share
Total return
Multiple
RM
£228,279
£228,279
£376,926
£605,205
2.7×
PC
£228,279
£228,279
£376,926
£605,205
2.7×
Of every £1 of gross customer fee: 15p panel law firm25p RM25p PC35p AG — so on a £2,420,820
pool, the panel law firm retains £363,123 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 fee
Amount
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
460 customers · £46,700
Work already carried out on these files is valued at £358,540.
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 £46,700.
Billing has not started — every bill below is prepared and costed, none has been issued.
Customers who owe a fee
460
948 cancelled claims with evidenced work
Total amount — work done
£358,540
itemised at contractual rates, inc. VAT
Discounted settlement total
£46,700
87% below the work value
Customers billed to date
0
£0 invoiced at the settlement figure
Paid to date
£0.00
0 bill(s) settled
A further 1,356 cancelled customers
(up to £155,125 at the settlement figure) are under file review and are
not counted above until the customer's cancellation instruction is evidenced.
Out of 2,115 cancelled customers in total; cancellations
inside the 14-day cooling-off period, and files with no billable work, are never billed.
Claims by lender
Lender
Live
Progressing
Acknowledged
Refreshing LOA
Customers
Concluded
Black Horse Ltd
2,204
1,486
606
476
433
3,557
Motonovo Finance
1,380
1,217
929
30
29
2,357
Santander Consumer (UK) plc
1,166
991
770
17
15
1,517
Volkswagen Financial Services (UK) Limited
1,000
838
691
35
35
2,478
Moneybarn
860
837
735
13
13
692
PSA Finance UK
703
613
563
12
12
650
BMW Financial Services LTD
701
595
447
36
30
1,441
RCI Financial Services LTD
665
574
458
71
44
1,409
brighthouse - administration
606
272
0
0
0
33
Advantage Finance
590
545
482
13
13
415
Lloyds Banking Group
563
388
168
103
92
824
Close Motor Finance Limited
519
457
142
56
41
1,184
Toyota Financial Services (UK) Plc
469
390
232
60
56
1,726
Ford Credit Europe
453
361
286
26
26
1,121
Hyundai Capital UK Ltd
406
360
264
4
4
1,147
FCA Automotive Services UK Ltd
379
241
51
121
94
407
Vauxhall Finance
372
322
180
29
29
1,072
Stellantis Financial Services
297
274
239
9
7
289
Blue Motor Finance Ltd
292
255
121
8
8
632
Oodle Finance
288
259
221
23
22
580
Northridge Finance
272
256
193
5
5
469
Startline Motor Finance
249
237
185
4
4
480
First Response Finance LTD
245
145
11
91
80
997
Honda Finance Europe Plc
225
195
175
3
3
527
Fce Bank Plc
209
191
170
10
9
439
Mercedes Benz Financial Services UK Limited
181
138
90
5
5
479
Moneyway
179
167
135
2
2
176
Barclays Partner Finance
175
152
19
18
18
340
Alphera Financial Services
124
114
78
5
5
727
(no funder set)
112
45
0
0
0
299
Specialist Motor Finance Limited
108
96
71
5
5
134
Audi Finance
103
67
31
7
7
114
Secure Trust Bank plc
101
96
79
3
3
234
Bank of Scotland plc, trading as Capital Bank Vehicle Management