Start your Mortgage Securitisation Claim
Sign up for the Validation Process today to see if you are eligible for a Mortgage Securitisation Claim. You can sign up either online or over the phone with one of our authorised affiliates.
Receive your Welcome Pack in the post
You will then receive a Welcome Pack in the post. This will contain information on what to do next and the No Win No Fee Agreement for you to sign, if you wish to opt in to the Money Back Guarantee.
Opt in for the Money Back Guarantee
Once we have carried out the Validation Process we will issue you with a Legal Opinion. If you receive a Negative Opinion, we will refund you what you have paid less £56.40 disbursement costs.
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Money Back Guarantee Offer Once we have received your documentation we carry out a Legal Review and will issue you with one of the following Legal Opinions: Positive: A positive Legal Opinion means we have found concrete evidence that your mortgage has been sold. Probable: A probable Legal Opinion means we have received insufficient documentation from your lender to be able to determine whether your mortgage has been sold. As we hold on file almost all of the Prospectuses and Mortgage Sale agreements from the UK lenders, we are confident to recommend you proceed with to submit a Mortgage Securitisation Claim, on the basis that your lender is withholding information. Negative: A negative Legal Opinion means we have found concrete evidence to suggest that your mortgage has not been sold. If you receive a Negative Opinion, we will refund your retainer, less the £56.40 cost of disbursements. Example 1– if you paid an upfront fee of £260 for the Validation Process and get a negative legal opinion you will be entitled to a refund of £203.60* (£260 minus £56.40). Example 2 – if you use a Promotional Discount Code and paid an upfront fee of £250 for the Validation Process and get a negative legal opinion you will be entitled to a refund of £193.60* (£250 minus £56.40). As a condition for the refund being available the No Win–No Fee Agreement (CFA) must be signed at the start of the Validation Process by each client who chooses to have the option of the Money Back Guarantee Refund*. The No Win No Fee Agreement can be witnessed by anyone except an immediate family member. If you would like to take up this offer then please ensure that you sign all three copies of the No Win-No Fee Agreement (CFA) and send two signed copies back to Legal Quest, together with the signed Agent Authority Letter and a copy of each borrower’s photo ID and the latest mortgage statement, using one of the Legal Quest self-addressed pre-paid envelopes included in the Welcome Pack. If you do not wish to take up this offer then do not send the CFA’s back with the rest of the requested documents and keep them safe for future use. If you decide to proceed with a Mortgage Securitisation Claim following receipt of your legal opinion you may sign all 3 copies of the No Win-No Fee Agreement (CFA) and send two signed copies back to Legal Quest in the second self-addressed pre-paid envelope included in the welcome pack. You should be aware that the No Win-No Fee Agreement (CFA) will only be valid if a Positive or Probable Legal Opinion is received from Legal Quest Limited, which will render this Money Back Guarantee Refund void. Each client, who receives a Positive or Probable Legal Opinion, will be automatically added as a Claimant by Legal Quest to their respective Class Action, against the named lender. Under the terms and conditions of the CFA, all matters are at no further cost whatsoever to a client, until a client’s claim is settled, or an award in their favour is made by a Court or Tribunal. *Important Note: ANY refund will ONLY be paid by Legal Quest, upon you receiving a Negative Legal Opinion from Legal Quest Limited and a Refund Request Form, which will be attached to the Negative Opinion, is completed and sent via email to Legal Quest, within 28 days of receipt of the Negative Legal Opinion, for them to process the refund. All the documents (other than your own ID copy and mortgage statement copy), including 3 copies of the No Win-No Fee Agreement (CFA) for you to sign/keep, are included in your Welcome Pack for you to use.