I must admit, I am surprised by Mr's comments as I asked them (Alchemy Org) to represent my claim against Lloyds and they managed to get back over £9000 in refunds and reduce my monthly payments on my current loan by over £120 and all I had to do was complete a questionnaire over the phone and sign a couple of forms. I have since recommended a few friends of mine to them and they have had good service and had refunds which they were happy to accept. I find their fees not bad compared to some firms who charge as much as 40% plus vat and charge an upfront administration fee. If you want to do it yourself fine then do it, but if you use a claims company you would expect to pay. However, in my case we were not in arrears.

Hi All, Actualy, Alchemy Organisation Ltd are a regulated CMC (claims management company) not a debt collection company (dcc).