Your payment provider is holding your money. The claim is usually recoverable.

Sound familiar.

• Settlement funds withheld after termination.
• A reserve retained past its contractual release date.
• Deductions, fines or chargeback allocations you never agreed to.
• Scheme recoveries that never reached your account.
• Months of "risk review" with no substantive reconciliation.

Any one of these is enough to open a file. See the full set of scenarios we work.

Three steps. No commitment until the third.

1. 1. Enquiry. You submit the fit check above. Five minutes, eight fields.
2. 2. Fit review. We assess the file against the contract, the regulatory position and the documentary record. You receive an initial view within five business days.
3. 3. Engagement. If the file fits, we agree terms under a Claim Assignment and Recovery Agreement — or, in selected cases, a written purchase offer is made instead. From that point the counterparty deals with us.

How we work a file — legal counsel and financial controller under one operative roof — is set out in our approach.

Questions we hear first.

What does this cost me?

Nothing upfront. Legal Costs are carried by us and our fee is a share of the Recovered Amount. The exact percentage is set by our analysis and communicated to you before any agreement is signed. If nothing is recovered, you owe nothing.

What does assignment actually mean?

Under the CARA, the claim is assigned to JvHAM as Assignee, and we become the claimant of record. You retain your economic entitlement to the agreed share of the Recovered Amount.

Is my claim too old?

Possibly not — but time limits apply and vary by jurisdiction, so it pays to assess early. Submit the fit check and we will give you a straight answer.

Which countries do you cover?

Counterparties regulated anywhere in the EEA and the UK. The merchant can be based elsewhere.

What if the counterparty is insolvent or has lost its licence?

The claim usually survives. Safeguarded funds and claims in a wind-down follow their own procedures, and the documentary record tends to determine the outcome. We assess this in the fit review.

Can you buy the claim from me instead?

In selected cases, yes. The claim is acquired outright by a specialist recovery fund we cooperate with — a fixed price, paid at execution, instead of a share of the recovery. The fit review determines whether your file qualifies; if it does, you receive the offer in writing before any agreement is signed.

More detail in the FAQ.

Read next.

The three situations behind most withheld-funds files, in detail.

• Sector primer
  What happens to merchant funds when an EMI loses its licence.

  The regulator acts, the portal freezes, the account manager goes quiet. The money is not gone — but what you recover is decided by the procedure, and by the state of your documentary record.

  7 min read
• Practical guide
  Terminated by your PSP: a 30-day checklist for protecting your claim.

  The first 30 days decide what you can recover. What to export before portal access closes, what to put in writing, and what not to sign.

  6 min read
• Practical guide
  The deductions you never agreed to: fines, chargebacks and phantom fees.

  Three patterns — undocumented scheme fines, chargeback maths that does not reconcile, fees that appear at offboarding — and a method for reading a settlement file.

  6 min read

Five minutes now. An initial view in five business days.

This page is for information purposes only and does not constitute legal advice.