Your Claims Expert Limited — Investment Pipeline

176 lenders · 50,918 claims · generated 51 min ago

Out for a new LOA

3,708 customers

5,280 claims awaiting signature — 1.42 claims per customer. The chase is 3,708 conversations, not 5,280.

Authority in place — claims we can progress today

15,723

Includes all 9,763 claims the lender has acknowledged: once a complaint is acknowledged the Letter of Authority remains in force by law, so those claims carry authority regardless of signature date.

Claims progressing

15,723

62% of the live book

Acknowledged by lender

9,763

complaint accepted

Live claims

25,483

12,700 customers

Concluded

25,435

closed or resolved

Refreshing authority

3,708 customers

5,280 claims where we are collecting an updated Letter of Authority — 1.42 claims per customer, so this is 3,708 conversations rather than 5,280. These return to active progression as each signature lands.

Investment

Agreed investment — £500,000

£456,558 received

91.3% of the agreed £500,000 is in. £43,442 remains to be drawn. Each investor holds 25% of Your Claims Expert Limited against a £250,000 commitment.

Investor	Agreed	Invested to date	Left to invest	Funded
RM	£250,000	£228,279	£21,721	91.3%
PC	£250,000	£228,279	£21,721	91.3%
Total	£500,000	£456,558	£43,442	91.3%

The £20,000 received on 31 March 2025 was paid by RM and is recorded as £10,000 to each investor by agreement.

Projected return on today's live pipeline

Average claim value — change it to model your own

Every figure below recalculates from this number. The £900 default is drawn from FCA publications and commission actually recorded on cases in the case-management system.

Gross fee pool — 25,483 live claims

£3,440,205

25,483 live claims × £270 fee per successful claim × 50% expected to succeed = 12,742 successful claims. If every live claim succeeded the pool would be £6,880,410.

The fee is £270 per successful claim — an average claim value of £900 with a 30% fee charged to the customer, net of VAT. £900 × 30% = £270. Every figure below is built from that one number, so a different average claim value moves them all proportionally.

Investor	Invested	Capital returned	Profit share	Total return	Multiple
RM	£228,279	£228,279	£631,772	£860,051	3.8×
PC	£228,279	£228,279	£631,772	£860,051	3.8×

Of every £1 of gross customer fee: 15p panel law firm 25p RM 25p PC 35p AG — so on a £3,440,205 pool, the panel law firm retains £516,031 and pays the 85% balance to Your Claims Expert Limited. Capital is returned to the investors in full before profit is split.

How the split is calculated

Per £100 of gross customer fee	Amount
Gross customer fee	£100
Retained at source by the panel law firm (15%)	£15
Distributable profit	£85
Adjusted distributable profit — the 15% added back	£100
A Ordinary (AG) — 50% × £100 less the £15	£35
B Ordinary (RM + PC) — 50% × £100	£50

The 15% retained at source is added back before the 50/50 split and then charged wholly to the A Ordinary share, so the investors' half is calculated on the full gross figure rather than on the balance. That is why £50 of every £100 — £25 to each investor — is the B Ordinary entitlement. Deed of Addendum clause 12.3.

Basis. Live claim count is today's figure from the table above. The fee is an average claim value of £900 at 30% net of VAT. The 50% success rate is a forecast, not a measurement — only 63 of 59,299 claims have so far reached a final decision, which is too few to measure a rate from. These are projections on stated assumptions, not a valuation, a forecast of distributable profit, or a promise of return. Investment figures are drawn from the company bank account to 2026-08-13.

Claims by lender

Lender	Live	Progressing	Acknowledged	Refreshing LOA	Customers	Concluded
Black Horse Ltd	2,725	1,457	622	950	890	3,036
Motonovo Finance	2,006	1,325	956	264	242	1,731
Volkswagen Financial Services (UK) Limited	1,658	982	717	234	160	1,820
Santander Consumer (UK) plc	1,288	987	752	133	118	1,395
RCI Financial Services LTD	1,125	684	441	139	95	949
Moneybarn	994	836	712	147	139	558
BMW Financial Services LTD	935	597	447	192	159	1,207
Close Motor Finance Limited	905	488	158	410	348	798
Toyota Financial Services (UK) Plc	900	478	262	258	214	1,295
PSA Finance UK	888	727	674	74	59	465
Ford Credit Europe	784	472	307	66	63	790
Lloyds Banking Group	720	371	171	254	227	667
Vauxhall Finance	702	391	244	285	228	742
Advantage Finance	658	556	492	65	64	347
brighthouse - administration	606	266	0	0	0	33
Blue Motor Finance Ltd	553	305	124	64	62	371
Oodle Finance	545	354	245	72	71	323
First Response Finance LTD	540	194	16	114	100	702
Fce Bank Plc	509	309	176	24	17	139
Hyundai Capital UK Ltd	489	363	265	64	43	1,064
Stellantis Financial Services	487	299	247	173	128	99
FCA Automotive Services UK Ltd	482	233	59	227	178	304
Startline Motor Finance	405	272	191	25	21	324
Northridge Finance	393	318	253	64	59	348
Barclays Partner Finance	335	163	19	160	160	180
Mercedes Benz Financial Services UK Limited	289	151	91	28	16	371
Moneyway	267	188	141	31	31	88
Honda Finance Europe Plc	260	209	188	21	20	492
Specialist Motor Finance Limited	166	115	79	27	27	76
Alphera Financial Services	162	116	76	38	34	689
Secure Trust Bank plc	140	114	85	6	6	195
Audi Finance	132	71	32	26	26	85
Creation Consumer Finance Limited	114	57	11	15	15	43
(no funder set)	111	45	0	0	0	299
Suzuki Financial Services Ltd	108	60	27	35	31	70
Clydesdale Financial Services Ltd t/a Barclays Partner Finance	106	53	16	40	38	175
Bank of Scotland plc, trading as Capital Bank Vehicle Management	102	66	24	16	15	137
Billing Finance Ltd	99	57	27	25	25	35
Carfinance247 Limited	96	48	4	48	48	32
Peugeot Financial Services	94	48	18	45	45	71
AutoLend	85	43	19	39	39	38
FGA Capital UK Limited	82	43	14	39	34	317
Marsh Finance Ltd	73	36	7	36	30	123
GMAC UK PLC	70	27	1	38	38	70
Car Finance 247	65	59	48	5	5	39
PCF Bank Limited	61	23	2	36	32	39
Zopa Bank Limited	61	36	16	9	9	32
Land Rover Financial Services	54	29	16	19	18	45
CAPQUEST	48	14	1	0	0	24
Oplo Car Finance	47	31	21	1	1	17
Volvo Car Financial Services	43	25	13	7	7	68
Stoneacre Financial Services	41	19	2	18	18	17
CIT GROUPUKLTD - dissolved	40	15	0	0	0	58
Autoaccept Finance	39	18	2	6	6	15
Paragon Bank PLC	36	26	16	6	5	62
Arrow Global LTD	32	11	0	17	17	7
1st Stop Car Finance Limited	30	21	15	1	1	104
Jaguar Financial Services	30	20	13	7	7	23
Shogun Finance Ltd	28	13	6	14	12	20
Fortis Lease Retail UK Ltd	27	10	0	0	0	36
Mann Island Finance Limited	25	16	12	2	2	19
Mallard Leasing Limited	24	16	12	5	4	31
Retail Money Market Limited t/a RateSetter	22	16	11	1	1	9
247 Money Group Limited	22	19	18	3	3	4
Lex Autolease LTD	22	11	4	11	10	2
CLS Finance Limited	21	12	0	4	4	11
Evolution Funding LTD	21	12	3	2	2	5
Halifax	20	10	4	6	6	13
V12 Vehicle Finance	20	17	15	2	2	10
Fenton Finance Ltd	18	18	18	0	0	53
Conister Bank Limited	18	18	18	0	0	13
Kia Motors Finance	17	9	2	4	3	7
The Asset Exchange Ltd	14	12	0	2	2	22
ABC Car Finance (TESTLENDER)	14	9	3	0	0	3
Hitachi Capital (UK) PLC	14	10	0	4	4	1
MI Vehicle Finance Ltd	13	10	5	1	1	59
International Motor Finance Limited	13	8	4	5	5	12
Perch Capital LTD	13	3	0	0	0	6
Loans 2 Go Ltd - NOT CAR FINANCE	12	6	0	0	0	3
Raphael Finance now R. Raphael and Sons Limited in liquidation	11	9	0	0	0	22
Nissan Finance	11	4	2	1	1	7
Hartwell Finance Limited	10	10	9	0	0	18
MINI Financial Services	10	8	5	1	1	7
Go Car Credit Limited	9	4	2	0	0	77
The Funding Corporation Limited	9	4	4	5	3	4
Fca Fleet Services Uk LTD	9	3	2	3	3	3
Lombard Asset Finance Group - Natwest	8	4	3	0	0	18
Citroen Financial Services	8	4	2	4	4	3
Porsche Financial Services	8	4	3	1	1	3
Mitsubishi HC Capital UK PLC t/a Novuna	8	4	1	2	2	0
Alphabet (GB) Limited	7	5	0	1	1	18
Evergreen Finance - Not Car Finance	7	4	0	0	0	5
Unity Auto Finance LTD	7	3	0	4	4	4
ALD Automotive Limited	6	4	2	1	1	1
Fiat Financial Services	6	3	0	3	3	1
Renault Finance	5	2	1	2	2	5
SKODA Financial Services	5	5	1	0	0	3
AUTOMONEY MOTOR FINANCE	5	2	1	1	1	2
Intrum Justitia	5	0	0	5	5	2
SEAT Financial Services	5	3	3	1	1	1
The Car Finance Company - administration	5	1	0	0	0	0
Family Finance Ltd	4	2	0	2	1	45
EOS Solutions UK Plc	4	0	0	3	3	5
Bank of Scotland plc	4	3	1	1	1	1
Temple Finance LTD - NOT CAR FINANCE	4	0	0	0	0	0
Link Financial Outsourcing Limited	4	1	0	3	3	0
Universal Car Credit LTD	4	1	0	3	1	0
CREDIT4CARS	3	3	0	0	0	7
S & S FINANCE LTD	3	2	0	1	1	6
Stour Vale Finance Co Ltd	3	2	0	1	1	5
Arnold Clark	3	2	0	0	0	4
Droitwich Finance Limited	3	1	0	2	2	3
Cygnet Financial Services Limited	3	3	2	0	0	3
Corbetts Dudley Ltd	3	3	0	0	0	3
ASSET LINK CAPITAL (NO.10) LIMITED	3	1	0	2	2	2
BNPP Creation Motor Finance	3	1	1	1	1	1
BNP Paribas Leasing Solutions Limited	3	2	0	1	1	0
Snap-On Tools Ltd	2	2	0	0	0	6
Lease Plan UK	2	2	1	1	1	3
Lombard North Central Plc	2	2	0	0	0	3
LONDON & SURREY MOTOR FINANCE LTD	2	2	0	0	0	1
Carmoola Limited	2	2	2	0	0	1
Premium Plan LTD	2	1	0	1	1	0
Azzurro Associates	2	1	1	0	0	0
LANTERN DEBT RECOVERY SERVICES LTD	2	0	0	1	1	0
Autobank Financial Services	2	2	0	0	0	0
Zebra Finance	2	0	0	1	1	0
Auto Advance	2	2	0	0	0	0
Quantum Funding	2	2	0	0	0	0
Wye Finance Co Ltd	2	0	0	2	1	0
Zuto Car Finance Ltd	2	2	0	0	0	0
Other	1	0	0	0	0	1,099
Bristol Street Motors	1	1	1	0	0	3
FIRST TRUST BANK	1	0	0	1	1	1
Zenauto Ltd	1	0	0	0	0	1
121 Finance Ltd	1	0	0	0	0	1
NFU Mutual Ltd	1	1	1	0	0	0
Trade Center Wales	1	1	0	0	0	0
Park Motor Finance Ltd	1	0	0	0	0	0
Carmoney Ltd	1	0	0	1	1	0
Otto Car Limited	1	1	0	0	0	0
Fort Used Car Centre	1	0	0	1	1	0
Yorkshire Bank	1	0	0	1	1	0
Rolls Royce	1	1	1	0	0	0
Mazda Financial Services	1	1	0	0	0	0
NIIB Group Limited	1	0	0	1	1	0
First Vehicle Leasing	1	0	0	1	1	0
Credit Plus	1	0	0	1	1	0
HSBC Asset Finance	1	1	0	0	0	0
Direct Auto Finance	1	0	0	1	1	0
Oasis Motor Finance LTD	1	1	1	0	0	0
carloan2day	1	1	0	0	0	0
Hitachi Personal Finance	1	1	0	0	0	0
DEBT MANAGERS LIMITED	1	0	0	1	1	0
Hendy Car Supermarket	1	0	0	1	1	0
First Senior Finance	0	0	0	0	0	9
Debt Managers LTD	0	0	0	0	0	4
GLM FINANCE LTD	0	0	0	0	0	4
Jcb Finance LTD	0	0	0	0	0	3
Glenside Finance Ltd	0	0	0	0	0	3
Logbook Lending Ltd	0	0	0	0	0	2
Car Cash Point	0	0	0	0	0	2
JBR Capital Limited	0	0	0	0	0	2
Amigo Loans Ltd	0	0	0	0	0	2
Finance U Ltd	0	0	0	0	0	2
Glow Financial Services	0	0	0	0	0	2
Leasys UK Ltd	0	0	0	0	0	1
Redline Finance	0	0	0	0	0	1
Admiral	0	0	0	0	0	1
Aldermore Bank PLC	0	0	0	0	0	1
Nationwide Building Society	0	0	0	0	0	1
Ferrari Financial Services	0	0	0	0	0	1
Automotive Compliance Ltd	0	0	0	0	0	1
Accept Car Credit Limited	0	0	0	0	0	1
Colin Appleyard Limited	0	0	0	0	0	1
Marshall Leasing	0	0	0	0	0	1