1. Definitions
We/Us/Our: Richmond Carter Ltd
You/Your: The individual submitting an online tax refund or pension-related application
Claim: Your instruction for us to pursue a tax refund or correction on your behalf (including Uniform, Mileage, Marriage Allowance, PPI/PCP refunds, and HRP claims)
Services: All work we perform to assess, prepare, submit, and manage your Claim to HMRC or other government departments (e.g. DWP)
2. Your Authority & Responsibilities
By submitting your application, you:
Authorise Richmond Carter Ltd to act on your behalf in all dealings with HMRC (and DWP, if relevant)
Review and sign a Letter of Authority (LOA) and Conditional Fee Agreement (CFA) as part of the HRP claim. These documents appoint us as your representative, confirm our success fee, and are legally binding
Appoint us as your nominee to receive any refund or award
Confirm that all information provided is accurate and complete
Consent to us retrieving data from HMRC, DWP, or third parties (e.g. lenders, solicitors)
Understand this agreement is solely between you and Richmond Carter Ltd
Acknowledge that you could submit the claim directly to HMRC or DWP at no cost, but choose to appoint us
Authorise us to request Final Response Letters (FRLs) from banks/lenders in support of PPI or PCP tax refund claims
Will receive a full copy of completed forms (e.g. 64-8, P87, R40, Travel Logs) before submission
3. Our Services
We will:
Prepare and submit HMRC’s official forms:
P87 – for uniform, mileage, and employment-related expenses
R40 – for overpaid tax on savings or PCP redress
HRP forms – for Home Responsibilities Protection corrections (via HMRC/DWP)
Tailor questions to your circumstances and use your answers to populate the relevant claim forms for each claim type
Provide you with a full copy of completed documentation before submission
Contact you for clarification if needed and may:
Place the claim on hold
Remove unsupported items
Cancel invalid or suspicious claims
We aim to process all claim types within 10 working days of receiving the required information. HRP claims may take up to 6 weeks, as we must first retrieve your pension and National Insurance history from HMRC before preparing your claim.
You will also receive copies of your signed LOA, CFA, and Form 64-8 as part of the HRP submission pack.
Examples of valid claims include:
Work-related travel or uniform costs
Emergency/incorrect tax codes
Overpaid tax on savings
Statutory interest from mis-sold PCP finance
Missed HRP years affecting State Pension entitlement
Mileage claims: we will send you a complete submission pack including 64-8, P87, and Travel Log before submission.
For PCP claims: we require a copy of your Final Response Letter.
For HRP claims: see Section 4 below.
4. Home Responsibilities Protection (HRP) Claims
HRP claims involve correcting gaps in your National Insurance record that may affect your State Pension.
You may be eligible if:
You received Child Benefit or Income Support while caring for a child or dependent between 1978–2010
You are a woman who:
Had a husband turn 65 before 17 March 2008 and receives less than 60% of his pension
Divorced after reaching pension age and have not had your pension reassessed
Receives no basic State Pension but may qualify for SERPS or graduated benefits
You are widowed and do not receive inherited pension rights, despite your spouse reaching pension age before 6 April 2016
You confirm:
You understand HRP eligibility and accept responsibility for verifying your status
You agree to provide supporting documents as requested
You authorise us to liaise with HMRC and DWP to update your NI record and pursue arrears
You understand there is no guaranteed outcome, and final decisions rest with HMRC/DWP
We typically complete our HRP processing within 6 weeks; however, resolution and payment from HMRC and DWP can take between 6–9 months
5. Solicitor or FCA-Regulated CMC Referrals
If your PCP mis-selling claim was handled by a solicitor or FCA-regulated claims management company, they may have referred you to us as a tax agent to process your R40 claim.
In these cases:
We may receive your Final Response Letter and limited claim details from your representative
Your data will be handled strictly in accordance with our Privacy Policy
The referral will not affect the outcome of your tax claim or the fee charged
6. Fees & Payment Handling
No Win, No Fee applies
Our standard fee is 40% + VAT (48%) of the total refund received (including HRP claims)
Minimum fees apply:
£25 (incl. VAT) for tax refunds
£50 for HRP refunds or arrears
If the refund is below the minimum, we retain the full amount
Before releasing any refund:
You must provide ID, proof of address, and bank details
We will attempt to contact you after 48 hours, 14 days, and 1 month, and continue for up to 12 months before unclaimed funds may be donated to charity. If you contact us later, we will assist you in recovering the amount.
A £19.99 reissue fee may apply if payment needs to be re-sent (unless due to our error).
For HRP claims, our Conditional Fee Agreement (CFA) will set out all fees and must be signed before your claim is submitted to HMRC/DWP.
7. Processing Times & Limitations
Standard claims are submitted within 10 working days of receiving all required information
HRP claims may take up to 6 weeks for us to process, as we must first request and review your pension and National Insurance history
Once submitted, resolution and payment from HMRC or DWP can take 6–9 months depending on their timelines
HMRC and DWP processing times are beyond our control. We are not responsible for delays caused by:
Missing or incorrect information
Third-party communication delays
Processing backlogs at HMRC or DWP
8. Disclaimer
We are not responsible for:
Inaccurate or misleading information you submit
Refunds already processed before your engagement
HMRC offsets or delays
Disallowed claims or reclaims of refunds
If HMRC reclaims a refund, our fee is still payable. We may, at our discretion, offer a partial refund based on circumstances.
9. Cancellation & Termination
You have the right to cancel within 14 days of signing for all claim types (including HRP)
Contact us via:
Email: [email protected]
Post: 2nd Floor, 28a Middle Hillgate, Stockport, SK1 3AY
Cancellation after submission does not prevent the refund being paid, and our fee will apply.
We may cancel this agreement if:
Your claim is found to be invalid or misleading
You fail to respond to key document requests
We are otherwise unable to continue acting on your behalf
10. Limitation of Liability
We are not liable for indirect or consequential loss
Our total liability is limited to the fees you paid us
This does not affect your rights in cases of fraud or negligence
11. Force Majeure
We are not liable for failure or delay due to events outside our control, including:
Natural disasters
Strikes
Government restrictions
Pandemics
Communication outages
12. Data Protection & Marketing
Richmond Carter Ltd complies with the UK GDPR and the Data Protection Act 2018. Privacy Policy: https://richmondcarter.co.uk/privacy-policy
We may share your contact details with our marketing partner, Tyler Hampshire Ltd (Tyler Media), to send you useful financial updates, claims information, and other regulated offers.
Their Privacy Policy: https://tylerhampshire.uk/privacy-policy
You may opt out of marketing communications at any time by:
Clicking “unsubscribe” in any marketing email
Emailing [email protected] or [email protected]
Contacting us directly
We may still contact you (via email, phone, or SMS) for service-related updates about your claim.
To comply with anti-money laundering regulations, we may request identity verification before releasing any refund.
13. Complaints Process
To raise a concern:
Speak to any staff member and request a follow-up
Or write to:
Senior Refund Manager
Richmond Carter Ltd
2nd Floor, 28a Middle Hillgate, Stockport, SK1 3AY
Email: [email protected]
You will receive:
Acknowledgement within 5 working days
Full written response within 21 working days
14. Notices
We may send important updates or notices via SMS or email to the contact details you provided. These will be considered delivered.
15. Severance
If any part of these Terms is held invalid, the rest remains in full effect.
16. Governing Law & Jurisdiction
These Terms are governed by the laws of England and Wales. You agree to submit to the exclusive jurisdiction of the English courts.
17. Version Control
These Terms are Version 2.1, last updated August 2025.
The latest version will always be published at: https://richmondcarter.co.uk/terms
