Impakt Claims CMC

Impakt Claims CMC is the trading name of The Claims Experts Ltd, a UK claims-management company authorized by the Financial Conduct Authority (FCA) under reference number FRN 836692. It focuses on helping consumers who believe a loan, credit card, or auto-finance agreement was mis-sold, and it also offers guidance on claims involving fraud or scams. It is not a lender or the body that decides a complaint.

The company describes a process that begins with a free eligibility check. Customers identify the provider and financial product they want to challenge; Impakt reviews whether it sees a route to a complaint and, if it accepts the case, prepares and manages it with the lender. The company says it can take a complaint to the Financial Ombudsman Service (FOS) when appropriate. The outcome depends on the circumstances and the provider’s response, not simply on whether an application is accepted.

The fees deserve close attention. Impakt advertises a no-win, no-fee service and publishes a tiered fee table with percentages and maximum charges; another part of its site describes the success fee as a general range. Because the wording differs, consumers should request and read the pre-contract information and agreement that would apply to their case before authorizing a claim. The initial eligibility check is described as free, but a successful claim that produces a cash refund may incur a fee.

There is also a direct route that does not require hiring a claims-management company. Consumers can complain to a lender, bank, or provider themselves at no cost. If the final response does not resolve the issue and the case qualifies, they can take it to the FOS on their own for free, generally within six months of receiving that response. For suspected fraud, the company advises contacting the bank or payment provider and reporting the incident to Action Fraud.

Impakt lists claims involving allegedly unaffordable loans, credit cards, secured loans, auto finance, and scams. In any of these situations, it helps to gather agreements, correspondence, account statements, and dates before starting. A complaint does not guarantee a refund: the provider reviews what happened, and the relevant authority determines the next steps. The site also says that a debt reduction without a cash payment does not trigger the same success fee as a cash refund.

The company lists phone and email support during weekday business hours, with a shorter schedule on Fridays. Its registered office in Ellesmere Port is a corporate address; the website does not present it as a customer walk-in location. Visitors can review the process, pre-contract information, and formal complaints procedure online. FCA authorization can be checked in the regulator’s public register using the legal company name or reference number.

The key question is not only whether a case might qualify, but what it costs to delegate it and what free options are available. Impakt offers full-service help to people who want assistance preparing and following a complaint, while consumers retain the option to make the complaint themselves. Comparing the fee agreement, confirming the service’s scope, and keeping copies of communications makes it easier to assess the offer before committing.