Housing Brochure-min

CONTENTS

02 ............................................CAVITY WALL INSTALLATION
04 ...................................................HOMEOWNERS AT RISK!
06 ..................................................WHAT IS MY CLAIM FOR?
08 .......................................................JOURNEY TO REDRESS
10 ..................................ACCREDITED SURVEYOR’S REPORT
14 ..........................SPECIALIST LAW FIRM NO WIN, NO FEE
16 .................................TRUE ‘NO WIN, NO FEE‘ EXPLAINED
18 ......................................................FUNDERS AGREEMENT
20 ............................................................................CFA FAQ’s
22 ....................INSURANCE POLICY – TOTAL PROTECTION
24 ...................................WARNING ABOUT THIRD PARTIES
28 .................................................................PROCESS CYCLE
30 .....................................WHO WILL WORK ON MY CLAIM



CAVITY WALL INSTALLATION

01

Cavity Wall Installation

In recent years the government targeted the major energy
suppliers to insulate as many homes as possible, aiming to
increase energy efficiency across the United Kingdom.

It was decided that
Cavity Wall Installation
would be this solution

Cavity Wall Installation in theory should have been a simple, relatively
inexpensive operation that if installed correctly in a suitable property could
result in the homeowner seeing a slight reduction in bills and a warmer home.
It was decided that Cavity Wall Installation would be this solution
Cavity Wall Installation

In this race to increase energy efficiency hundreds of independent rogue Cavity
Wall installers appeared in the marketplace, not only carrying out incorrect
installations but even installing a Cavity Wall product in totally unsuitable
properties, leading to substantial damage to these properties.

02

HOMEOWNERS AT RISK!

03

Homeowners at Risk!

Homeowners have fallen victim to these unscrupulous companies whose
solitary goal was huge profits.

Homeowners at Risk! Causing mass panic throughout the United Kingdom,
numerous articles relating to the problem have now been released throughout
the country’s press, now escalating to parliament.

To date, approximately 14 million homes have had some form of Cavity Wall
insulation, with growing sources suggesting that more than 6 million homes
have, or will have, problems related to the Cavity Wall insulation installation.

As expected many of these unprincipled companies have now ceased trading, or
if still trading, have insufficient assets to recover the costs of the remedial works
required.

It was a requirement for these schemes that the installing companies hold
Public Liability Insurance as well as guarantee their work. This comes alongside
pressing evidence that shows several other liable parties are at fault.

04

WHAT IS MY CLAIM FOR?

05

What is my claim for?

You are claiming for incorrectly installed cavity wall insulation.

It may be that your property was unsuitable for cavity wall insulation to be
installed, or it could be that the installation was poorly completed. These
breaches may now have resulted in damage to your property, you may now
be experiencing damp or mould, damage to the exterior of your property or
reduction in the structural integrity of your home.

Incorrectly and badly installed cavity wall insulation can also reduce the value of
your property.

Your claim is for the funds to correct this problem. This will cover the removal of
the cavity wall insulation plus any and all works required to restore your home.
This can include re-plastering, redecorating, replacing fixtures and fittings or
new carpet.

The value of your claim will be determined by the surveyor who will attend your
property, they will include a full breakdown of works required and will include
the costs associated.

At the back of this brochure are examples of this breakdown from one of our

previous clients. 06

JOURNEY TO REDRESS

07

Your Journey Towowards Redress
STARTS HERE

01 An initial assessment report is carried out
02 A full on-site surveyor report carried out
03 A Specialist Law Firm will take on your case
04 100% fully funded on a true ‘NO WIN, NO FEE’ basis
05 Fully Insured

08

ACCREDITED SURVEYOR’S REPORT

09

Accredited surveyor’s report

The accredited surveyor’s team is comprise of highly recognised
surveyors from across the United Kingdom. This guarantees us a high
level of service quality, which allows the production of reports which
are second to none.

The dedicated team work across the UK with great dispatch times, and
hope to have surveys carried out within 14 days.

The team will carry out both an initial stage one assessment to establish
if there is an issue and if so a full surveyors report will be carried out, this
report contains;

01 A fully accredited surveyors on-site report

02 Several photographs of any issue areas

03 A breach report detailing the breaches made

04 A full cost schedule informing the Law Firm what likely
costs, and redress is likely to be available

10

Survey and Report FAQ’s

Why does a surveyor need to visit my property?
A surveyor will need to come to your home to complete an inspection. This will
be at a time convenient to you and will be arranged beforehand by telephone.

This visit allows the surveyor to write a full report outlining the breaches,
damage caused, and costs associated to repairing your property.

Some examples of questions covered in the report are:

Was the customer provided with a copy of the Pre-Installation Site
Survey?

Is it damp-proof course present?

Is the property suffering from degraded brickwork?

Have cavity barriers been installed?

The report will also contain an outline of the type of property you live in, a list

of alleged beaches, a few paragraphs explaining the surveyor’s findings and

photographs of both the interior and exterior of your property. 11

Survey and Report FAQ’s (continued)

How long will it take?
The surveyor will need around an hour to complete the inspection.

What will happen next?
A surveyor will attend your home, they will need access to both exterior and
interior. They will take pictures and make brief notes. The surveyor may drill a
small hole in the render on the outside of your property to insert a borescope to
allow them to inspect the cavity, they will of course repair this hole before they
leave.

Do I need to pay for the report?
No. This is covered as part of your claim.

What do I do with the report?
You do not need to do anything with the report. This will be provided directly to
the panel law firm representing you in your cavity wall claim.

12

SPECIALIST LAW FIRM - NO WIN, NO FEE

13

Specalist Law - No win, No Fee

To deal with this new area of Law a specialist Solicitors practice will
be selected to deal with your claim on a true ‘NO WIN, NO FEE’ basis.

You will receive a standard CFA (No Win No Fee Agreement) this may come
to you via email for an electronic signature, or with a sign-up agent who
will make an appointment to arrange for the document to be signed. There
is no difference between this agreement and any other standard CFA
agreement for any other type of claim.

It is important you sign the CFA agreement as this will allow them to start
working on your claim straight away.

The Law Firms selected are vastly experienced UK based firms and have a
huge appetite for this new area of Law, they have teams of people fighting
to gain redress for this resent scandal.

14

NNOOWFEINE

TRUE ‘NO WIN, NO FEE‘ EXPLAINED

15

True ‘No Win, No Fee’ Explained

When a Law Firm accepts an individual’s case what is generally overlooked is the substantial direct
costs that a Law Firm must pay during many stages of the case to progress to the next level.

Traditionally this is the reason why Law Firms would charge a significant amount of money at the
outset of a case to cover a portion of associated costs running an individual’s case.

This would of course present a problem for a majority of people, being asked for money to be placed
on account to self-fund the associated costs and on-going disbursements (reports, expert witnesses,
court fees) that could easily run into thousands of pounds.

Luckily a cost-free method is available as part of the ‘No Win, No Fee’ Agreement that allows a client
to sit back, not having the burden of self-funding the case. This solution also assists the Law Firm to
maximise the resources available to act quickly and more aggressively allocating maximum resource
to win the case and settling cases within a shorter timeframe.

This cost-free system has been created by Pure Funding and Novitas Loans who will fund all aspects
of the costs associated with your case. The funder works on a CCA that essentially ‘loans’ the money to
run the case. The beauty of this CCA agreement is at no point are you, as the client, ever responsible
for paying the ‘loan’ back, wow!

As your Solicitor is running the case, everything is administrated via the firm, so they manage
everything from start to finish. And if the case wins the defendants pays all costs, if the case fails the
insurance policy pays out in full.

16

FUNDERS AGREEMENT

17

Funders Agreement

Having a funder in place that will ‘fund’ the whole case is a modern-
day revelation, all that is required is to sign the CCA (Consumer Credit
Agreement) via Novitas, this is a floating CCA and you will not be
liable for any payments in any event.
The funding will be payable by the defendant in the event of a successful
case by way of disbursements (these are not deducted from your
damages) or if the case fails the insurance policy linked to the CCA will pay
off the CCA and any interest!

18

CFA FAQ’s

19

CFA FAQ’s

What is a CFA and why do I need it?
A CFA is a conditional fee agreement this instructs the solicitor to act on the clients behalf , and it will normally
include a letter of authority, instruction to act, medical consent form and cancellation form. This will be on a ‘no
win no fee’ basis.

Will I ever be liable for charges?
No, you will never be liable to pay to pay the solicitors fees, disbursements or defendants fees, by signing the
CFA as it is protected by the ATE insurance premium.

What is the success fee?
As this is a non-personal injury case there is no cap on the success fee, this is not recoverable from the
defendant along with the ATE. Generally, the success fee will range from 25-35% of the clients’ general damages.

What is ATE and why do I need it?
ATE is after the event the event insurance this is insurance that come into play after the event has happened (ie
after cavity wall has been installed ). The ATE is needed to adequately insure your case against any eventuality
as these cases are often high value and can be anything up to £70,000.00. By FAILING to adequately insure your
cases the client could be liable for defendants costs and reduced compensation if they fail to beat a part 36 offer
(this is the defendants offer)

What if I have legal expense insurance?
Legal expenses insurance will not cover running cases of this type, your solicitors will run checks with your
provider prior to your claim commencing.

How will this benefit me?
The solicitors will be able to run your case on a no-risk basis, meaning that you will not be paying to run your
case! If you utilise the disbursement funding it will mean your case will settle in average 6–9 months as opposed
to 2-3 years.

20

INSURANCE POLICY – TOTAL PROTECTION

21

Insurance policy - Total protection

The ‘No Win, No Fee’ approach is so much more efficient for both the
client and the Law Firm and therefore for the case itself.

As the funder will be funding all costs associated with your case there is
an insurance policy in place so that if the case fails for any reason then the
insurance cover will pay the funder back in full if there are any adverse
costs.

Funders need to be protected to...

The CCA agreement is designed so that you will not have to repay it at the
end of the term – it will either be repaid out of the claim proceeds or by
your Legal Expenses Insurance policy.

By utilising the CCA and only paying the Insurance policy if you win the
case, it means that YOU oversee how your claim progresses meaning these
claims will settle in average of 6-9 months as opposed to the industry
standard of 2-3 years.

22

WARNING ABOUT THIRD PARTIES

23

Warning about Third Parties

After the first visit by one of our qualified surveyors it is vital that
you do NOT allow any third parties access to your property and/
or to conduct repairs or extraction of cavity wall insulation on your
property without our written consent first.

When we start your claim, it is possible that the Defendant and/or
CIGA will try and arrange for an installer/contractor to come out to you
without informing us or co-operating with us.

If any third-party conducts repairs or extraction on your property it will
void any claim meaning you will not be reimbursed for the cost of repair
or rectification of your house and you may have to pay these out of your
own pocket.

Some clients have lost in excess of £30,000 to repair their home due to
allowing the extraction of the material by third parties.

It is therefore imperative that if anyone knocks on your door, writes
to you or calls you regarding completing work to your property and/
or the removal or extraction of cavity wall insulation, you contact us
immediately and do not cooperate with any such requests without our
written consent.

24

Disbursement Funding FAQ’s

Why do I need to sign up to a CCA and take out a loan?
The government have made many significant changes to the legal market, making
it harder for people to bring genuine claims for legitmate compensation. Some
of these include, reducing the ability to recovert the costs of proving your claim
(disbursements), increasing court fees by up to 10 times to try and discourage people
from pursuiing claims, and making the wair far longer than they should have to for
compensation.

More importantly, this is YOUR case, by using this funding to progress it, you are in
more control of how your case proceeds, bringing it to the swiftest conclusion.

Will I have to pay anything?
In essence NO. If your case is unsuccessful, we have insured the loan through an ATE
policy with Leeward Insurance, who repay the loan and interest in FULL.

If your case is successful, the paying party are responsible for the repayment of the
loan and interest, the only deduction from your damages will be the ATE insurance
policy and assosciated interest, which would be deducted in any successful claim in
any event, with or without funding.

25

Disbursement Funding FAQ’s (continued)

The only time you would be responsible to repay would be in the event you submitted
a fraudulent claim, purposely provided by your Solicitor with incorrect information or
ceased to provide your Solicitor with ongoing instructions to pursue the claim without
valid reason.
Will my Credit Rating be affected?
Whilst we have to do standard online credit checks, your rating should not be affected.
This is not a loan upon which you have to make any repayments at any time, therefore
any other lender should discount this from any other considerations should you be
seeking credit for other purposes.
What do I have to do?
Once you have signed the documentation, you simply provide your solicitors with
instructions as usual and we will do the rest. We arrange the insurance, we liase with
the funders and we deal with your solicitors to manage.

26

PROCESS CYCLE

27

Process cycle

01 Claim details are taken and submitted for checks

02 Claim approved and sent over for initial triage by a
surveyor

03 The solicitor applies for the funding for the claim

04 It’s approved and an appointment is booked for a
surveyor to attend your property

05 The appointment is completed and a report generated

06 Your claim is now passed to a solicitor

07 The claim is submitted to the relevant defendants

08 Your claim is settled and the compensation is awarded

28

WHO WILL WORK ON MY CLAIM?

29

Who will work on my claim?

30



The industry average for these types of claims is

£10,000.00 to £50,000.00.