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Legal

Terms and Conditions

These terms explain how Kensbridge provides HRP claim services, your responsibilities, how our No Win, No Fee structure works, and how claims are managed.

Key Points

  • No Win, No Fee
  • 36% success fee including VAT
  • No fee if no arrears are paid
  • 14-day cooling-off period

1. Introduction

These Terms and Conditions govern your use of our services in relation to Home Responsibilities Protection claims and related State Pension, National Insurance record corrections and Pension Credit entitlements.

“We,” “Us,” and “Our” refer to Kensbridge Ltd. “You” and “Your” refer to the individual using our services.

By using our services, you also agree to the terms of our Conditional Fee Agreement, which governs our success fee and payment structure.

2. Definitions and Scope

Our services include the assessment, preparation and submission of HRP claims, related State Pension and National Insurance record corrections, and Pension Credit entitlement matters.

It is your responsibility to ensure that you meet applicable HRP eligibility criteria as determined by HMRC, DWP and relevant legislation.

  • You had caring responsibilities between 1978 and 2010.
  • You claimed Child Benefit for a child under 16.
  • You cared for a person with a disability or long-term illness.
  • You may have partner, widow, divorce or pension reassessment circumstances.

3. Your Responsibilities

  • You agree to provide full, accurate and complete information.
  • You will promptly supply supporting documents or information requested by us, HMRC or DWP.
  • You confirm that you have reviewed the HRP eligibility criteria.
  • You authorise us to act on your behalf, subject to the documents you sign.

4. Our Responsibilities

  • We will use reasonable skill and care to process your claim.
  • We will keep you informed of significant developments.
  • We may refuse or withdraw services where eligibility concerns, fraud or misrepresentation arise.
  • We do not guarantee that your claim will be approved.

5. Fees and Payment

Our success fee is 30% plus VAT. VAT is charged at 20% on our 30% fee. In practice, this means the total you pay is 36% of the arrears you actually receive.

  • We only charge on backdated arrears actually received.
  • We do not charge on ongoing State Pension or ongoing Pension Credit.
  • If no arrears are paid, no fee is payable.
  • The fee is calculated after any DWP set-off or deductions.
  • You agree to pay our success fee within 7 days of receiving arrears.

We will issue a clear invoice and breakdown showing how the fee has been calculated. If you are worried about paying, please contact us so we can discuss options.

6. Processing Your HRP Claim

We aim to submit your claim within 14 working days from receipt of all necessary information and supporting documents, although this timeline is not guaranteed.

  • HMRC processes HRP applications and may update your National Insurance record.
  • DWP may then recalculate your State Pension and any arrears due.
  • You agree to respond promptly to enquiries from HMRC, DWP or Kensbridge.

7. Estimated vs Actual Recovery

Any online calculators or preliminary assessments are estimates only. Actual arrears or benefit entitlement may differ.

10. Data Protection and Compliance

  • Your personal data will be processed in accordance with our Privacy Policy.
  • We may contact you by phone, SMS or email about your claim.
  • We may verify your identity to meet legal or anti-money laundering obligations.
  • We retain signature audit trails and signed documents for compliance purposes.

11. Liability and Indemnity

  • Our liability is limited to the greater of £1,000 or the total fees paid by you in the preceding 12 months.
  • We are not liable for indirect or consequential losses arising from an unsuccessful claim.
  • You agree to hold Kensbridge Ltd harmless against losses caused by inaccurate information you provide.

17. Complaints

If you have any concerns or complaints about our services, please email complaints@kensbridge.co.

18. Amendments

We reserve the right to update these Terms at any time. Continued use of our services after changes are made constitutes acceptance of the revised Terms.

19. Force Majeure / Regulatory Changes

We are not liable for delays or failure to perform obligations caused by events outside our reasonable control, including changes in law, government policy or HMRC/DWP processes.

20. Data Security and Confidentiality

We implement security measures to protect your data. Information provided to us is treated as confidential and used for processing your claim.

21. Client Rights to Updates

You may request updates on your claim. We will make reasonable efforts to keep you informed.

22. Relationship with Government Agencies

Kensbridge is independent of HMRC and DWP. Decisions, delays or changes by HMRC or DWP are outside our control.

23. Client Acknowledgement of Risks

You acknowledge that any claim is subject to HMRC and DWP policies and processing times. We cannot guarantee the outcome or amount recovered.

For questions, contact info@kensbridge.co.