Last updated: 11 March 2026
These Terms and Conditions ("Terms") govern the relationship between you ("the Client") and Jigsaw Claims Ltd ("we", "us", "our"), a company registered in England and Wales under company number 10326709, with its registered office at 66 Seymour Grove, Manchester, England, M16 0LN.
We trade under the name Locksly PCP Claims and operate the website locksly.co.uk.
Jigsaw Claims Ltd is authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number 912323 for regulated claims management activity. You can verify this on the FCA Register.
By submitting a claim through our website, you confirm that you have read, understood and agree to be bound by these Terms.
We are a claims management company. We investigate, pursue and manage claims on behalf of consumers who may have been mis-sold PCP car finance agreements. Our service includes:
We do not provide legal or financial advice. If you require legal or financial advice, you should consult a suitably qualified professional.
Important: You are not required to use a claims management company to make your claim. You can make a claim yourself for free, directly to the lender. If the lender rejects your claim, you can also refer it to the Financial Ombudsman Service yourself for free.
Outcomes are not guaranteed. The amount of compensation you may receive, if any, will depend on the individual circumstances of your claim.
By using our service, you agree to:
If you provide false or misleading information, we reserve the right to stop acting on your behalf immediately.
When you sign our form (including by electronic signature), you authorise us to act on your behalf and to submit a Letter of Authority to the relevant lender or finance provider. Your electronic signature may be used for each Letter of Authority and any related claim steps without further consent being required.
The Letter of Authority permits the lender to share information about your finance agreement with us for the purpose of pursuing your claim.
We operate on a No Win, No Fee basis. This means:
All fees shown are inclusive of VAT at the prevailing rate.
| Compensation Amount | Our Fee (%) | Maximum Fee |
|---|---|---|
| £1 – £1,499 | 36% | £504 |
| £1,500 – £9,999 | 33.6% | £3,000 |
| £10,000 – £24,999 | 30% | £6,000 |
| £25,000 – £49,999 | 24% | £9,000 |
| £50,000 or more | 18% | £12,000 |
Worked example: If your claim is successful and you receive £5,000 in compensation, our fee would be £1,680 (33.6% inclusive of VAT). You would receive £3,320.
If the compensation falls within a band where the percentage calculation exceeds the maximum fee for that band, you will only pay the maximum fee. For example, if you receive £9,000 in compensation, 33.6% would be £3,024 — but the maximum fee for that band is £3,000, so you would pay £3,000 and receive £6,000.
Our fee becomes payable when compensation is received. Where the lender pays compensation directly to you, you must pay our fee within 14 days of receiving the funds. We will issue you with an invoice setting out the amount due.
If compensation is paid to us on your behalf, we will deduct our fee and forward the remaining balance to you within 14 days of receipt.
If you fail to pay our fee when due, we reserve the right to charge interest at 4% above the Bank of England base rate on the outstanding amount.
You have the right to cancel this agreement within 14 calendar days of signing, without giving any reason and without incurring any charge. This is your statutory cooling-off period under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.
To cancel during the cooling-off period, you must notify us in writing by email, post or through our website. See Section 9 for contact details.
If you ask us to begin work on your claim during the cooling-off period and you subsequently cancel, you may be required to pay a reasonable charge for any work already carried out. We will inform you of this before we begin work.
You may cancel this agreement at any time after the cooling-off period by notifying us in writing. You can contact us:
If you cancel after work has been carried out on your claim, you may be liable for a reasonable charge reflecting the work completed up to the point of cancellation. We will provide you with a breakdown of any charges before they are applied.
If you cancel after compensation has been offered or awarded but before it has been paid, our full fee remains payable.
We may also cancel this agreement if:
If we cancel because your claim has no reasonable prospect of success, no fee will be charged.
If you are unhappy with any aspect of our service, please contact us. We take all complaints seriously and aim to resolve them quickly and fairly.
Full details of our complaints procedure, including how to escalate a complaint to the Financial Ombudsman Service, are available on our Complaints Procedure page.
We will carry out our service with reasonable care and skill. However:
Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by law.
We take your privacy seriously. We process your personal data in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.
Full details of how we collect, use, store and protect your personal data are set out in our Privacy Policy.
By using our service, you acknowledge that we will process your personal data as described in our Privacy Policy for the purpose of pursuing your claim.
Telephone calls may be recorded and monitored for training, compliance and quality assurance purposes.
Jigsaw Claims Ltd is authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number 912323 for regulated claims management activity.
We are a claims management company. You can make a claim yourself for free without using our service. You can submit a complaint directly to the lender, and if you are not satisfied with their response, you can refer the matter to the Financial Ombudsman Service free of charge.
Outcomes are not guaranteed and the amount you may receive will depend on the circumstances of your claim.
These Terms are governed by the laws of England and Wales. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.
If you have any questions about these Terms, please contact us: