Your payment provider is holding your money. The claim does not go away.

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 of these can be put to a fit check; whether a file is opened is decided by the analysis. 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 we decide to open a file, we agree terms under a Claim Assignment and Recovery Agreement; in selected cases, an outright purchase may be considered 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?

Insolvency or loss of a licence does not by itself end the claim, nor does it say whether anything can be recovered. Safeguarded funds and claims in a wind-down follow their own procedures; the applicable process, the documentary record and the available assets all need assessing. We look at this in the fit review.

Can you buy the claim from me instead?

In selected cases, an outright purchase by a specialist recovery fund we cooperate with may be considered after the analysis. Neither eligibility nor an offer is assured. Any proposed transaction is set out separately in writing before anything 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.