MONEY-BACK
GUARANTEE
If we cannot prepare a viable dispute case for your situation, you receive a refund minus a £99 administration fee. This is our written contractual commitment — subject to clear, transparent conditions you can read in full below.
No Viable Case
Money Back
Claim Within
7 Days of Outcome
Contractually
Binding (T&C §13)
UK Consumer Law
Compliant
Important Notice — Please Read Before Proceeding
This guarantee is subject to the conditions set out on this page and in full under Clause 13 of our Terms and Conditions. All conditions are cumulative — failure to satisfy any single condition automatically voids eligibility. Refund claims must be submitted to info@fixmyfile.co.uk within 7 calendar days of the final written outcome being communicated to you.
The Guarantee
Incorporated into our Terms & Conditions — Clause 13
FixMyFile UK operates a professional document drafting service. We are engaged to prepare dispute documents for specific adverse entries on your financial and fraud-prevention records. If — after our analysis — we cannot prepare a viable dispute case for your situation, we will refund your fees minus a £99 administration fee.
This is not a marketing statement. It is a written contractual term incorporated into your service agreement and enforceable under English law. Your statutory consumer rights under the Consumer Rights Act 2015 remain entirely unaffected.
Refund Is Subject to Our Terms & Conditions
Any refund is expressly subject to all conditions outlined in this page and in Clause 13 of our Terms and Conditions. All conditions must be fully and cumulatively satisfied. This guarantee does not constitute a general right to a refund and is not available merely because a client is dissatisfied, disappointed, or has changed their mind.
Read full Terms & Conditions (Clause 13)Scope of Guarantee
Service coverage at a glance
| Service | Status |
|---|---|
| CIFAS Marker Removal | Full Guarantee |
| CCJ Removal | Full Guarantee |
| Default Removal | Full Guarantee |
| Credit Report Analysis | Partial |
| Business Account Appeal | Partial |
| Personal Account Appeal | Partial |
| Mortgage Rejection Appeal | Partial |
| PCN Ticket Clearer | Not Covered |
Partial guarantee: if we cannot demonstrate measurable progress toward your objective within our agreed scope, a proportionate refund may be issued at our discretion, assessed on a case-by-case basis.
Conditions & Eligibility
All conditions are cumulative — every one must be met
The following conditions apply. Failure to satisfy any single condition automatically disqualifies a client from refund eligibility in accordance with Clause 13.3 of our Terms and Conditions.
Required Conditions — Must All Be Met
Case Must Reach Final Written Outcome
The guarantee is activated only after the relevant institution has issued a final, binding written decision and all reasonable avenues within our agreed scope have been exhausted. Mid-case refunds are not available.
T&C Clause 13.2(a)–(c)You Must Provide Truthful & Complete Information
You must have provided accurate, complete, and truthful information throughout the entirety of the case. Any inaccuracy, omission, or misrepresentation — whether deliberate or not — automatically voids refund eligibility.
T&C Clauses 9A, 13.2(d)Respond to Every Request Within 3 Calendar Days
You must have responded to every request for information, documentation, or clarification made by FixMyFile UK within 3 calendar days of each request. Even a single missed deadline can void eligibility.
T&C Clauses 9.1, 13.2(e)–(f)Full Fee Payment
All agreed fees must have been paid in full, or all instalments due up to the point of case closure must have been honoured under your payment plan.
T&C Clause 13.2Claim Submitted Within 7 Calendar Days
Your refund claim must be emailed to info@fixmyfile.co.uk within 7 calendar days of the final written outcome being communicated to you by FixMyFile UK. Late claims will not be accepted.
T&C Clause 13 — Guarantee ConditionsProfessional Conduct Maintained Throughout
You must have maintained professional conduct at all times — no abusive communications, no unauthorised third-party involvement, and follow our guidance on how to communicate with the institution.
T&C Clauses 11, 13.2(g)–(k)Voiding Conditions — Refund Not Available If Any Apply
Not Eligible: Client Withdrawal Before Final Outcome
If you choose to withdraw from the process before a final outcome has been reached, the outcome-based guarantee does not apply. Standard cancellation terms under Clause 12 apply.
T&C Clause 12Not Eligible: Inaccurate or Misleading Information
If your case was found to be based on fraudulent, misleading, or materially inaccurate information you provided, the guarantee is void and the case may be terminated without refund.
T&C Clauses 9A, 11A, 13.3Not Eligible: Failure to Cooperate Within 3 Days
Failure to respond to FixMyFile UK's requests within 3 calendar days on any occasion during the case will void refund eligibility. Cooperation is a fundamental and non-negotiable condition.
T&C Clause 13.2(e)–(f)Not Eligible: Cooling-Off Period Claims (Waived)
By requesting immediate commencement of services, you waive the 14-day cooling-off right under the Consumer Contracts Regulations 2013. This waiver is lawful and consistent with Regulation 36. Our services are document drafting and assisted self-help services — not standard consumer products.
T&C Clause 6ANot Eligible: Document-Only Services
Where FixMyFile was engaged to prepare documents and the client chose not to submit them, the outcome guarantee does not apply.
T&C Clause 3.2Not Eligible: Force Majeure
Outcomes affected by circumstances entirely outside our control — including legislative changes, regulatory interventions, or court orders — may fall outside the guarantee scope.
T&C Clause 14Fair Play Conditions
Guarantee is void if any of these apply
False Information
If you provide false, misleading, or materially inaccurate information, the guarantee is automatically void.
Failure to Cooperate
If you fail to respond to requests within 3 calendar days or refuse to provide required documentation, the guarantee is void.
Concealed Material Facts
If you deliberately concealed material facts that would have affected the case strategy or outcome, the guarantee is void.
Your Obligations as a Client
Required throughout the entire case — T&C Clauses 9, 9A
Provide Truthful Information
- All information must be accurate and complete
- Do not conceal or omit material facts
- Do not misrepresent your circumstances
- Inform us immediately if anything changes
- Inaccurate information voids your guarantee
Respond Within 3 Calendar Days
- Every information request must be answered in 3 days
- Every document request must be fulfilled in 3 days
- Even one missed deadline can void eligibility
- Delays you cause do not pause your case timeline
- Silence is not treated as cooperation
Cooperate Fully & Act in Good Faith
- Maintain professional conduct at all times
- Submit the prepared documents in your own name as a Litigant in Person
- Do not involve unauthorised third parties
- Review and submit the prepared documents in a timely manner
- Cooperate with every reasonable request we make
14-Day Cooling-Off Period
Consumer Contracts Regulations 2013 — T&C Clause 6A
What Is the Cooling-Off Period?
Under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, consumers are ordinarily entitled to a 14-day cancellation right from the date of purchase.
However, Regulation 36 of the same legislation expressly permits a consumer to waive this right where they have requested immediate commencement of a service.
Why It Doesn't Apply Here
- You expressly request immediate service commencement upon engagement
- Case activation begins as soon as a consultant is allocated — which may be within hours
- Our services constitute document preparation and assisted self-help — not reserved legal activities
- Work commenced cannot be undone — professional time is irrevocably expended
- By proceeding, you waive the 14-day cooling-off right lawfully under Regulation 36
- This waiver is set out expressly in Clause 6A of our Terms & Conditions
Note: Nothing in this section limits or removes your statutory rights under the Consumer Rights Act 2015, including the right to services delivered with reasonable care and skill. Your statutory rights remain fully intact. This waiver applies specifically to the 14-day cancellation right under the Consumer Contracts Regulations 2013.
How to Claim Your Refund
4 steps — simple, transparent, and documented
Submit Your Claim Within 7 Days
7-Day DeadlineEmail info@fixmyfile.co.uk within 7 calendar days of receiving your final written outcome from us. Include your case reference number and a copy of the outcome letter or communication.
Eligibility Review
Our team verifies that all conditions are met: case reached final outcome, fees paid in full, full cooperation maintained, truthful information provided throughout, and 3-day response obligations honoured.
Written Decision Issued
You receive a written decision within 5 business days. If approved, we initiate the refund process immediately. If declined, we provide a full written explanation referencing the applicable condition(s).
Refund Processed
Funds are returned to your original payment method within 5–10 business days of approval. You will receive written confirmation at each stage.
Submit Your Guarantee Claim
Email info@fixmyfile.co.uk within 7 calendar days of receiving your final written outcome. Include your case reference number and a copy of the final outcome communication from FixMyFile UK.
Legal Basis & Your Statutory Rights
Applicable UK Legislation
- Consumer Rights Act 2015
- Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 — Regulation 36 (Cooling-Off Waiver)
- UK General Data Protection Regulation (UK GDPR) & Data Protection Act 2018
- Misrepresentation Act 1967
- Late Payment of Commercial Debts (Interest) Act 1998
Your Statutory Rights (Unaffected)
Nothing in this guarantee limits or excludes your statutory rights as a consumer under UK law. In particular, you retain:
- Right to services delivered with reasonable care and skill (Consumer Rights Act 2015 s.49)
- Right to a price reduction or repeat performance where a service is substandard
- Right to complain to the ICO regarding data handling
- Right to bring civil proceedings in the courts of England and Wales
This guarantee supplements — and does not replace — your statutory rights. It represents an additional contractual commitment above and beyond the minimum required by law. Governed by the laws of England and Wales.
Chargeback & Payment Dispute Policy
T&C Clause 8A — Zero Tolerance
Important Warning — Please Read Carefully
Any attempt to initiate a chargeback or payment dispute will have serious consequences, as set out in full in Clause 8A of our Terms and Conditions.
Guarantee Voided Immediately
Any money-back guarantee or refund entitlement is instantly and automatically voided upon initiation of any chargeback or payment dispute.
£250 + VAT Admin Fee
A £250 + VAT administrative dispute handling fee becomes immediately due and payable in addition to any outstanding balance.
All Work Suspended
All active work on your case is immediately suspended upon initiation of a payment dispute and will not resume until the matter is resolved in full.
Court & Debt Recovery
FixMyFile UK will pursue all outstanding balances — including fees, admin charges, and recovery costs — via the County Court, debt collection, or any other lawful means available.
The correct process: If you have any concern regarding payment, service scope, or your case, you must contact us in writing at info@fixmyfile.co.uk before initiating any payment dispute through your bank or card provider. We are committed to resolving all genuine disputes fairly and promptly. Chargebacks in relation to activated professional services do not extinguish the underlying contractual obligation and FixMyFile UK will vigorously defend any such dispute.
Frequently Asked Questions
Policy Information
Policy Version
v4.0 — March 2026
Effective Date
13 March 2026
Next Review
1 January 2027
Governing Law
England & Wales
FixMyFile UK reserves the right to update this policy. Changes will be published with an updated effective date. Clients who entered a service agreement prior to any change will be governed by the version in force at the time of their purchase, subject to our right to update in accordance with our Terms and Conditions.
Ready to Take the Next Step?
You are protected by our money-back guarantee from the moment you engage. Check your eligibility in under 2 minutes — no obligation, fully confidential.