If I instruct EMCAS to act on my behalf what happens next?

Before EMCAS start your claim we will provide you with written correspondence detailing our service and our Terms of Engagement. Once you have signed and returned our documentation you will have a 14 day 'cooling off' period in which you can cancel the agreement, however we will start the ball rolling immediately by contacting your provider in order to avoid any time constraints being applied to your case. EMCAS will:

• Compose an initial letter to your credit provider requesting a complete list of transactions and charges related to your account or copies of the last 6 years statements.
• Instruct your credit provider to direct all correspondence and any questions or matters relating to the claim to your claims manager at the EMCAS claims office.
• Provide copies of correspondence for your own records.
• Review and calculate the amount to be refunded once details of the transactions and charges have been obtained from your credit provider.
• Act as an intermediary between you and your bank or credit card company including replying and managing all correspondence relating to your complaint.
• Ensure that once a decision is reached and the claim is successful that any refund offered has been correctly calculated and includes all aspects of the complaint.
• Refer your case to the Financial Ombudsman Service if your credit provider refuses the claim and we disagree with their decision. There is no extra charge for this service.