21: LIABILITY OF LOSS: The Agency shall not under any circumstances be liable for any consequential loss or loss of profits or income on the part of the Client or any third party.

22: LIABILITY OF LOSS TO CLIENT: The Agency shall have no liability to the Client for any loss, delay or costs relating to or arising out of incomplete or inaccurate instructions.

23: CHARGES The Agency shall be entitled to receive fees calculated in accordance with any schedule or fee structure or service rate chart provided by the Agency to the Client. There is a minimum charge of £12.00 plus Vat in certain circumstances.

24: INDEMNIFY THE AGENCY: The Client shall be responsible for and shall indemnify the Agency against all costs and fees incurred by the Agency on its behalf from the time it receives the Client's instructions until such time as it is either notified by the client that no further action is required, the debt is recovered, the debt becomes irrecoverable or the instructions are terminated. Any such notification from the client must be made in writing.

25: RECEIPT OF FUNDS BY CLIENT: If a debt is paid directly to the Client in whole or in part or if the Client accepts goods or services in lieu of the debt after the Agency has accepted instructions the Client:
a. Shall inform the Agency immediately and confirm the position in writing to prevent the Agency incurring any further costs or fees on the Client\'s behalf;
b. Shall be responsible for all costs and fees incurred by the Agency until it receives such notification;
c. Shall be responsible in any event for the Agency\'s fees calculated in accordance with paragraph 2

26. VAT: All Agency fees charges and other costs and expenses incurred on the 'Client's' behalf are exclusive of VAT which shall be payable at the prevailing rate from time to time in force.

27: PAYMENT: All invoices, bills and other fees and expenses invoiced by the Agency to the Client shall be paid promptly and in any event no later than 7 days from their respective dates. If payment is not made within this period the Agency may refuse to take further action either on a particular matter or generally and the Agency shall be entitled to charge interest and compensation costs on all overdue accounts from the end of such 7 day period under the terms of the Late Payment of Commercial Debts (Interest) Act 1998. If the Client has a query with any invoice raised by the Agency, notification of such query must be detailed in writing by facsimile or e-mail to the Agency within 7 days from the date of the invoice. If no query is received within that time then the invoice will be deemed payable.

28 : NON PAYMENT OF AGENCY INVOICE : In the event that it becomes necessary to commence legal proceedings for the recovery of the Agency's or a third party's outstanding costs a further administration fee of up to £100 plus VAT will become immediately due and payable from the Client to the Agency. This fee may be waived at the sole discretion of the Agency in writing.

29: AGENCY INVOICE: The Agency will be entitled to submit an invoice for its fees and/or cost dependent of clause no.16. A. upon recovery of the debt by payment in whole or in part to either the Agency or the Client; b. upon the Agency advising the Client that in its view the debt should no longer be pursued or cannot reasonably be recovered; c. Upon the Client agreeing to Solicitors being instructed; d. Upon termination of the instructions in accordance with these Terms and Conditions.

30: DEDUCTION OF FEES/COST: The Agency shall be entitled to deduct from all sums received on behalf of the Client by the Agency or its agents all costs, fees, and other properly incurred expenses due and owing from the Client to the Agency relating to that particular matter and or generally. Any remaining balance will be dispatched to the Client at the earliest opportunity in accordance with these Terms and Conditions together with a statement showing the total amount received and giving full details of all deductions. In the circumstances of termination by the Client before an individual instruction has reached natural conclusion the Agency shall be entitled to submit charges to the Client for the commission sum that would be due upon full recovery and successful conclusion of the instruction.

31: DISBURESMENTS: All Court and warrant fees are to be paid by the Client in advance of the same being incurred by the Agency. Such fees in the absence of agreement to the contrary shall be paid by the Client to the Agency upon demand. The agency may at its sole discretion offer to issue proceedings on behalf of the client so as to ensure that no delays are experienced when issuing proceedings. The client agrees that any such outlays will be reimbursed to the Agency by return.

32: COSTS: The fees of Solicitors/ Investigation Agents and of all other agents or persons engaged by the Agency on behalf of the Client are the sole responsibility of the Client and are payable on demand regardless of the outcome of the matter as and when required by the Agency without prejudice to later accounts rendered by the Agency to the Client.

33. ENGAGEMENT OF THIRD PARTIES The Agency shall, with the written or verbal consent of the Client, instruct Solicitors on behalf of the Client whenever the Agency considers it necessary or desirable to do so. It will liase with the Solicitors on the Client\'s behalf. The Client may be required to provide a letter authorising the Solicitor to represent the Client.

34: 3RD PARTY : The Agency may, with the written or verbal consent of the Client, engage a tracing service or other third party to carry out specific tasks on behalf of the Client whenever circumstances are such that the services of such a third party are considered necessary or desirable by the Agency. This will be chargeable to the client. If there are any queries with regards to tasks carried out by a third party, these must be detailed in writing to the agency within two weeks of the client receiving the information and may be subject to a fee in accordance with Clause 21 of these terms and conditions .

35: BANK CHARGES All monies recovered on behalf of the Client will be paid into a separate bank account namely the Agencies Clients or Number Two bank account. Any bank charges levied against the agency i.e. bank charges arising from dishonoured cheques or any bank charges arising out of foreign currency transactions may be chargeable by the Agency to the client.

36. CONFIDENTIALITY All papers, documents, correspondence, trade secrets or other confidential information imparted to the Agency by the Client in the course of instruction or whilst the Agency provides Debt Recovery Services under the terms of this agreement shall remain confidential to the Client except where it is necessary to disclose the same to a Solicitor or other parties engaged by the Agency on behalf of the Client or except as otherwise provided for by these Terms and Conditions or where the Agency is bound to disclose the same under compulsion of law.

37: LIEN Upon the failure by the Client to pay fees when due, the Agency shall be entitled to withhold all documents, papers and correspondence it holds in connection with the Client's business pending the payment by the Client of all sums due.

38: TERMINATION Without prejudice to clause 19 above, the relationship between the Agency and the Client may be terminated forthwith by the Agency at any time by notice in writing to the Client but in particular on the occurrence of any of the following events:
a. Upon the Client becoming insolvent, having an administrator or receiver appointed in respect of its affairs or a bankruptcy order issued or if the Client makes any composition or arrangement with its creditors.
b. Upon the Client failing to discharge any outstanding account owed to the Agency.
C. Upon the Client failing to respond within a reasonable time to a request on the part of the Agency for further information or instructions.
D. In the event of a breach of any of these Terms and Conditions by the client.
e. If the Client uses a medium other than the Agency to collect a debt in respect of which the Agency has been instructed.

39. TERMINATE INSTRUCTIONS: on either a particular matter or generally at any time upon giving to the Agency 14 day\'s notice in writing. Upon termination the Agency shall be entitled to invoice the Client for all outstanding amounts calculated in accordance with these Terms and Conditions and such amounts together with any amounts due to third parties will be immediately due and payable.

40: SEVERANCE If any provision of this agreement is prohibited by law or judged by the Court to be unlawful, void or unenforceable, then the relevant provision shall, to the extent required, be severed from this agreement and rendered ineffective as far as possible without modifying the remaining provisions of the agreement, and shall not in any way affect any other circumstances of or the validity or enforcement of this agreement.

41: HEADINGS The headings used for these Terms and Conditions are for convenience only and shall not affect the construction of this Agreement.

42: LAW This Agreement shall be governed by the Laws of England to the exclusive jurisdiction of whose Courts the parties hereby submit.