Prowse Phillips Guarantee:

Scope & Eligibility: Applies to CCA‑regulated unsecured debts we agree to challenge. You must provide complete and accurate information, maintain agreed fee payments, and respond to information requests within 14 days. You must not enter an IVA/DMP or bankruptcy during the assessment period.

Assessment Period: Up to 24 months from instruction (or earlier if a defined outcome is reached and accepted).

Defined Outcomes (what counts): At least one of: (a) written balance reduction; (b) creditor write‑off confirmed in writing; (c) cash/redress applied to the account or paid; (d) documented settlement discount accepted by you; (e) interest/charges removed and confirmed.

Valuing Results: “Result value” = documented monetary value of reductions, write‑offs and/or credits obtained and accepted. Non‑monetary steps (e.g., s77–79 non‑compliance pauses) do not count unless they lead to (a)–(e).

Refund Mechanism: If, by the end of the assessment period, the Result value is less than the fees you paid for Credit Resolve, we will refund the difference up to the amount of fees paid. Refund excludes third‑party costs/disbursements and any sums paid to creditors. Request within 30 days of our outcome report.

Exclusions: Debts not CCA‑regulated; pre‑existing litigation; where the creditor provides compliant documents and no reduction/write‑off is available; client disengagement or refusal of a reasonable proposal we recommend; inaccurate information; entering a DMP/IVA/bankruptcy; fraud or abuse.

Relationship to Fee Cap: Separate from the 50% (inc VAT) fee cap and does not change how the cap is calculated.

No Guarantee of Outcome: The guarantee concerns fees only and does not promise a particular legal result. Not success‑based; not a DBA.