Terms of Service

Last updated: March 2026

1. About Us

Sansford Law Limited (trading as “Refund Club”) is a law firm authorised and regulated by the Solicitors Regulation Authority (SRA Number: 8008114). Our company number is 15376769 and our registered address is 3rd Floor, 45 Albemarle Street, Mayfair, London, W1S 4JL.

We are bound by the SRA Standards and Regulations, which require us to act in your best interests, provide a competent service, and maintain your confidentiality.

2. Our Services

Refund Club provides claims management services for victims of fraud. Our services include:

  • Authorised Push Payment (APP) fraud claims — where you were tricked into sending money to a fraudster via bank transfer
  • Credit card fraud recovery — including Section 75 claims and chargeback requests for fraudulent credit card transactions

We assess your claim, prepare and submit complaints to your bank or card provider, and if necessary, escalate your case to the Financial Ombudsman Service (FOS).

3. Eligibility

To use our services, you must:

  • Be a UK resident
  • Have a claim with a minimum value of £1,500
  • Be within the applicable limitation periods for your claim
  • Be aged 18 or over
  • Provide accurate and truthful information about your claim

4. Fee Arrangement

We operate on a Damages-Based Agreement (DBA), commonly known as a “no win, no fee” basis:

  • Our fee is 25% plus VAT of the total amount recovered on your behalf
  • If your claim is unsuccessful, you pay nothing
  • The fee is calculated on the gross amount recovered from your bank or card provider
  • VAT is charged at the prevailing rate (currently 20%)
  • Our fee becomes payable when funds are received from your bank or card provider

Before we begin work on your claim, you will be asked to sign a Damages-Based Agreement which sets out the full terms of our fee arrangement.

5. How We Work

  1. Claim Submission — you submit your claim details through our online form
  2. Assessment — we review your claim and assess its viability
  3. Complaint to Bank — we prepare and submit a formal complaint to your bank or card provider on your behalf
  4. Bank Response — your bank has 8 weeks to respond to the complaint (or 15 days for APP fraud under the PSR rules)
  5. FOS Escalation — if your bank rejects the complaint or offers an unsatisfactory outcome, we can escalate to the Financial Ombudsman Service
  6. Resolution — we work towards securing the best possible outcome for you

6. Your Obligations

By using our services, you agree to:

  • Provide accurate, complete, and truthful information about your claim
  • Respond promptly to requests for additional information or documents
  • Consent to our reporting the fraud to Action Fraud or the police where appropriate
  • Cooperate fully with the claims process
  • Notify us of any changes to your contact details or circumstances
  • Not engage any other representative to pursue the same claim simultaneously

7. Our Obligations

We commit to:

  • Act in your best interests at all times, in accordance with our SRA obligations
  • Keep you informed of the progress of your claim
  • Handle your personal data securely and in compliance with the UK GDPR
  • Comply with the SRA Standards and Regulations
  • Provide competent legal services with reasonable care and skill
  • Maintain professional indemnity insurance

8. Letter of Authority

As part of our onboarding process, you will be asked to sign a Letter of Authority. This authorises us to act on your behalf and to communicate with your bank, card provider, the Financial Ombudsman Service, and other relevant parties in connection with your claim.

9. Termination

  • You may withdraw from our services at any time by notifying us in writing
  • If your claim has already been successful (in whole or in part) before your withdrawal, our fee remains payable on any amount recovered
  • We may cease to act for you if you breach these terms, fail to cooperate, or if we believe your claim lacks merit — in such cases, no fee is payable
  • Upon termination, we will return your documents and provide a summary of work completed

10. Limitation of Liability

  • We are not liable for the decisions made by your bank, card provider, or the Financial Ombudsman Service
  • We do not guarantee any particular outcome for your claim
  • Our total liability to you is limited to the fees paid to us in respect of your claim
  • Nothing in these terms limits our liability for fraud, death, or personal injury caused by our negligence, or any other liability that cannot be excluded by law

11. Complaints

If you are unhappy with the service we have provided, please contact us in the first instance:

We will acknowledge your complaint within 2 business days and aim to resolve it within 8 weeks.

If you are not satisfied with our response, you may refer your complaint to the Legal Ombudsman:

You may also report concerns about our conduct to the Solicitors Regulation Authority at sra.org.uk.

12. Governing Law

These terms are governed by the laws of England and Wales. Any disputes arising from or in connection with these terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

13. Changes to These Terms

We may update these terms from time to time. If we make material changes that affect your rights, we will notify you by email or through a notice on our website. Continued use of our services after changes are posted constitutes acceptance of the revised terms.