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Terms & Conditions


Churchill Sloan Ltd (CS) is a Financial Dispute Resolution Specialist and will handle your complaint about your provider for the potential mis-selling of your Packaged Bank Account. Your complaint is being submitted to your provider via our complaint process. If unsuccessful we will (if appropriate) refer your case to the Financial Ombudsman Service for adjudication. We will not use the Court Service and will not risk costing you any money other than our charges, detailed below.

After this, all you need to do is:

  • Provide us with as much information and documentation as you have about your account
  • Tell us if you move house or change contact details
  • Tell us if the bank contacts you directly
  • Return to us with any information that we need from you
  • If payment is sent directly to you by the provider, you will satisfy our fees within 14 days

Churchill Sloan will do the rest for you as part of the service.


Before finalising this agreement, it is important that we advise you of your options. You can:

  • Not return the forms and leave the providers unchallenged. This would mean that all of the money you have given them for an account that may be of no use to you, would stay in their pockets.
  • Make the complaint yourself. All providers & the Financial Ombudsman Service offer a free service for your complaint. However, with our experience & understanding of the process – it makes sense to allow us to do it on your behalf.
  • Sign & return the forms to us. Let Churchill Sloan challenge your provider & recover what may be owed to you.


If your claim is successful any paid for bank account may be cancelled and you will be provided with a free account with your bank.


After we have submitted your complaint to your provider, we aim to have a response back from them in around 8-16 weeks from them acknowledging that they have received it. However, every case is different and time frames can vary dependent on a number of factors. Also, if the provider rejects your claim, your case may be referred to the Financial Ombudsman Service (FOS). FOS advise that they can resolve some complaints within just a few weeks – and over three quarters of cases within three months. But some disputes can take longer.


Churchill Sloan will take 30% +VAT of any offer that you receive, whether this is paid to you or off your product. If we do not recover you anything, you don’t pay us!


We recover you £1,000.00 from your provider.
Our fees on this would be £360.00
(30% = £300.00 vat = £60.00)
Remaining benefit £640.00

Some providers will also pay 8% Statutory Interest. Please be advised that this payment is subject to income tax. Please note, Churchill Sloan fees are due on the total amount of redress prior to HMRC’s deduction.

In some instances, your provider may decide to re-investigate your complaint. If this results in your claim being upheld, you will still be liable for our fees.


Your claim will be deemed as successful if you are awarded a return of any of the money that you have paid, in respect of the Packaged Bank Account. This will be awarded to you via a lump sum payment. The payment method adopted will depend on your circumstances. Please note that should your account be in arrears / overdrawn then there is a possibility that any award will be used to clear these arrears.


You are responsible for the payment of our fees. These fees should be paid from the amount that you are awarded.


A. Refund of premium = £1,500
B. over drawn by £500 = £500 is offset against the arrears/amount overdrawn by
C. Payment to you = £1,000
D. Fees of 30% + VAT on full amount = £450 + VAT = £540

*Our fees are subject to Regulatory Change and will be charged at the prevailing maximum rate, however, we will never charge you in excess of 30% +VAT.


If we recover your money and you don’t pay our fees, we have the authority to validate your application details with a Credit Reference Agency. We also reserve the right to perform a trace search on you if you fail to comply with the terms set out in your agreement to assist in recovering our fees.



You are entitled to cancel this agreement at any point within 14 days of us receiving your signed completed documents. After the 14 day cooling off period has lapsed, cancellations may be charged at an hourly rate of £50 per hour for the work completed. Should you wish to cancel, please complete our online cancellation form at or contact us for a hard copy of the form. Please note, if you wish to cancel after an offer has been made by your lender, you will be liable for our fees of 30%+VAT of the offer made.


All of your data is controlled & processed in accordance with the Data Protection Act 1998 & will be used to help us pursue your complaint. Your files are kept for 6 years & will be returned to you upon request. We reserve the right to charge a fee for the recovery.



If you’re at all dissatisfied with the service, please write to our Complaints Manager, Churchill Sloan, 51 Winmarleigh Street, Warrington WA1 1LE or call 0800 470 1433. They will respond within 2 days & look to resolve any issues as soon as possible. If you remain dissatisfied, you can contact The Legal Ombudsman at PO BOX 6806, Wolverhampton, West Midlands, WV1 9WG.



At Churchill Sloan, we continually strive to improve the level of service that we provide to our clients. As such, you may receive an invitation to participate in a customer satisfaction survey via Feefo or Survey Monkey.

PBA Fee calculator and Claim Form

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