Frequently

Asked

Questions

 

General

How Much Do You Charge?

We charge a success fee of 32.5% + VAT (39% total) only when your claim is successful.



How Do I Apply?

To request a claims pack, press the "Apply Now" button above or you can call us on 0207 619 3967 or send an email to info@ironstonelegal.com.



How Would I Be Updated With My Claims

We will keep you updated automatically via SMS throughout every stage of your claim. Please ensure that we have your correct phone number. Our automated case handling systems ensure that you are notified of every development of your claim immediately via SMS.



I Can't Find The Answer to My Question on the FAQ Page

Please contact us on 020 7619 3967 if you have any question, our friendly team is waiting to assist you.



How Can I Appeal a Decision?

Our team will help you to appeal the case by preparing the paper work for you to ensure that you receive the best outcome. If you receive a rejection letter, please call us on 020 7619 3967.



How Can I Find Out If I Have Been Mis-Sold a Product?

Please refer to our Financial Mis-Selling page for more information. All you need to do is give us the authority and we will investigate which products have been sold and then identify where mis-selling has occurred. When we identify mis-selling we will contact you and then commence your claim for each mis-sold product that we identify.



My Claim Has Been Rejected by The Bank, Should I Go to the Ombudsman?

Yes. After you receive a rejection letter from the bank, you have six months to escalate the matter to the Ombudsman or your claim would be time barred. However, you may still escalate the matter to the normal Courts using via litigation (subject to time limits).



A Few Years Ago, The Ombudsman Rejected My Application. Should I Try It Again?

If you have been rejected by the Ombudsman and the evidence is still the same, it is unlikely the decision will change.



I Have Received Two Different Payments, Is The Interest Paid Separately?

Some lenders divide the payments into two parts; however, if you are not sure what you have received, you should contact your bank or us so that we can clarify the redress amount for you.



Will Making Any Complaint Affect My Relationship With The Bank or My Credit Score?

Making a complaint for any mis-sold product will not affect your relationship with your bank/provider. Every bank/provider has a duty to treat you fairly and it will not affect your credit score



How Can I Make a Payment to IronStone Legal

Go to the "Make a Payment" Page and follow the instructions



I Don't Have My Account Numbers or Details. Can You Help?

If you have lost your paperwork or have thrown them away do not worry. If you know your lenders/banks we can find out whether if you had any mis-sold financial products!
We will make a ‘Subject Access Request (SAR)’ request to your bank/lenders, which will require them to provide any mis-sold financial products they have sold to you.
The quickest way to obtain information of your lenders is to request a credit history report. This can be done through Experian or My Credit Monitor with a 30 day trial of their credit report. Once you have obtained this report, please send it to us. Please note that, this information is not required, although you can speed up the process of your application and could help us to obtain faster result.



The Firm Has Gone Out of Business. Can You Help?

If the business has gone out of business, our customers still have chance of obtaining compensation from the Financial Services Compensation Scheme.



I've Forgotten My Bank/Lender Details, How Can I Find These?

The quickest way to obtain information of your lenders is to request a credit history report. This can be done through Experian or My Credit Monitor with a 30 day trial of their credit report. Once you have obtained this report, please send it to us.



Why Am I Paying VAT?

We would like to inform our customers that IronStone Legal does not benefit from charging VAT. Because we are a VAT registered company, we are required to pass on the VAT we collect to the government.



I Have Fallen Into Arrears, Would I Still Receive Any Compensation?

We would like to notify all our customers that if you have fallen into arrears with your bank/lender, they have right to deduct any fee from the compensation you have been offered. Moreover, if you owe a substantial amount which is more than the compensation you have been offered you may end up with no cash at all. Before you commence any case with our company, we strongly suggest you to tell us your situation properly. If you need further help on this issue, please do not hesitate to call us on
0207 619 3967 or send an email to info@ironstonelegal.com.