Frequently Asked Questions

Whatever your circumstances, we will agree a monthly payment which is affordable to you. We are aware that many people cannot afford standard legal fees. Helping you is our priority and we will tailor a payment plan to your individual needs.

Our fees will depend on the individual claims against you. You will not pay anything until we have completed an initial review of your claims. Following this review and if it is likely we are able to help you, we will agree a monthly fee which is affordable to you. You will only ever pay our fees for a maximum of 12 months.

If the work is completed in less than 12 months you will only pay us for the length of time it takes to complete your case. If any further work is needed after 12 months that work will be done but you will not be charged for it. You can also end the agreement at any time without paying us any more fees.

The Galahad & Co. Guarantee

Each case is unique and that means we can’t promise any specific reduction in the amount of debt you will ultimately have to pay.
What we do guarantee is:

• You will not pay us anything until we have undertaken a full assessment of your circumstances and we have confirmed we can achieve success on your case.
• We will reduce the amount of debt you have to pay by at least the amount of the fees you pay to us as an absolute minimum. In the unlikely event that we’re unable to do that then we will refund any difference.

This guarantee means that when you benefit from our highly specialist legal advice and assert your rights against the companies claiming you owe them money, you will not be put at a financial disadvantage.

You should not make any payments until you have been advised about your rights and obligations. We will do that as soon as practicable. We will guide you each step of the way.

If you still need help with debts after we have completed our work we will point you to Stepchange or another not for profit debt advice agency.

You will not have to go to court.

We will put a stop to any harassment and collection activities including calls, letters and messages.

We know the stress and concern that constant communication chasing payment can cause. Debt collection companies know this too and may try to bully you into paying them.

Those companies have a responsibility to co-operate with third parties acting on your behalf. If the companies do not stop contacting you then you should tell us and we will stop them.

The emotional burden of debt can have a severe impact on all aspects of your life and we take this part of our work extremely seriously.

If you are in a debt management plan, we can also contact your debt management company directly. You do not need to get in touch with them yourself.

Your credit rating should not be affected. If an organisation makes an unfair or misleading report about you to a credit reference agency you should tell us and we will stop them.

We would request that you respond quickly to any requests which we make for information or instructions.

Please ensure that the monthly fees are paid on time so that we can concentrate on your case.

Above all else, we value honesty in our dealings with people. We are only providing this service because we believe it will be of real benefit to you.

The only promises we can make are:

• To treat you like a real person.
• To tell you honestly and straight away whether there is a good prospect that our services will be of real benefit to you.
• To make sure the organisations making claims against you deal only with us.
• To fight your corner using all our skill and experience.
• To keep you updated and give you the advice you need as soon as practicable.
• To complete our work within 12 months or to carry on working on your case without charging you any more fees.
• To allow you to end your agreement at any time without paying me any more fees.

We are also proud to provide our fee guarantee:

The Galahad & Co. Guarantee

Each case is unique and that means we can’t promise any specific reduction in the amount of debt you will ultimately have to pay.

What we do guarantee is:

• You will not pay us anything until we have undertaken a full assessment of your circumstances and we have confirmed we can achieve success on your case.
• We will reduce the amount of debt you have to pay by at least the amount of the fees you pay to us as an absolute minimum. In the unlikely event that we’re unable to do that then we will refund any difference.

This guarantee means that when you benefit from our highly specialist legal advice and assert your rights against the companies claiming you owe them money, you will not be put at a financial disadvantage.

Yes. Just as you have the right to remove your own teeth or cut your own hair, the painful results of which are obvious to all those who may have tried it. More seriously though, you can certainly make a request for information under the Consumer Credit Act. However, unless you have in depth knowledge of the Consumer Credit Act and the Consumer Credit Regulations you are unlikely to know whether the company providing information to you has properly complied with its statutory duty. It is also important to understand that a request for information is just the starting point of the process and when the accumulated skill and experience of our legal and support team comes to the fore.

We can assure you that everything you are able to read here is totally accurate. We don’t over promise and will not formally engage with you or charge any fees until we have provided you with a fully confidential, no obligation, free assessment from our experienced Galahad & Co. team. Our results and successes highlight what we can achieve and our guarantee exists to give you peace of mind and assurance in the service we deliver.

The Galahad & Co. Guarantee

Each case is unique and that means we can’t promise any specific reduction in the amount of debt you will ultimately have to pay.

What we do guarantee is:

• You will not pay us anything until we have undertaken a full assessment of your circumstances and we have confirmed we can achieve success on your case.
• We will reduce the amount of debt you have to pay by at least the amount of the fees you pay to us as an absolute minimum. In the unlikely event that we’re unable to do that then we will refund any difference.

This guarantee means that when you benefit from our highly specialist legal advice and assert your rights against the companies claiming you owe them money, you will not be put at a financial disadvantage.

No. In our experience, debt management providers do not take the necessary steps to ensure that you only pay companies who can prove the title, value and enforceability of their claim against you.

Debt management is a collective arrangement to administer the payment of sums which it is claimed you owe.

We have a strong record of defeating claims which have been included in a debt management plan.

If you are in debt management you can find out more here.