Legal Notice

October 3rd 2019

The following information is provided pursuant to the requirements of The Provision of Services Regulations 2009 and the Electronic Commerce (EC Directive) Regulations 2002.  Any required information that is not provided below is included in the letter of engagement/service contract and terms of business between us and our clients :-

Full Name: Spratt Endicott Limited
Trading Names: Spratt Endicott, Spratt Endicott Solicitors
Legal Status: Private Limited Company registered in England and Wales
Company Registration Number: 08030343
Registered Office Address and Contact Details: 52-54 The Green, Banbury, Oxfordshire OX16 9AB
Telephone: +44 (0)1295 204000
Fax: +44 (0)1295 204010

Directors: We use the term “director” to refer to a statutory director of Spratt Endicott Limited and to certain senior employees. A list of the statutory directors of Spratt Endicott Limited is open to inspection at the registered office and on our website at: Statutory Directors

Former partnership: Before 1 May 2014, Spratt Endicott was a general partnership constituted under the laws of England and Wales. Some documents available through this website were produced before 1 May 2014. Nothing in those documents is to be taken to indicate that Spratt Endicott Limited is an unlimited liability undertaking or general partnership.

Financial Conduct Authority: We are authorised and regulated by the Financial Conduct Authority (FCA) to carry out debt collection activities in respect of agreements regulated by the Consumer Credit Act 1974 and insurance mediation work. Details of our FCA registration can be found at Our FCA reference number is 709546.

Professional Indemnity Insurance:  Our professional indemnity insurer is QBE Insurance (Europe) Limited and can be contacted through JLT Speciality Limited, The St Botolph Building, 138 Houndsditch, London, EC3A 7AW. The territorial coverage is worldwide.

Authorisation Scheme:  We are authorised and regulated by the Solicitors Regulation Authority (“SRA”) to provide legal services in England and Wales with SRA Number 608169. A copy of the SRA rules can be found on their website:

Complaints:  Complaints can be made to our ​director, John Spratt.  Clients not satisfied with the way in which we dealt with a complaint ​may have the right to make a complaint to the Legal Ombudsman.  Further details of the Legal Ombudsman’s time frame and eligibility requirements can be found at

The Legal Ombudsman’s contact details are:

Address: PO Box 6806, Wolverhampton WV1 9WJ

Telephone: 0300 555 0333


If we are unable to resolve your complaint, and it relates to a contract we entered into online or by other electronic means, you may be able to submit your complaint to a certified alternative dispute resolution (ADR) provider in the UK via the EU ODR platform. The ODR platform is available to consumer clients only i.e. individuals acting for purposes which are wholly or mainly outside their trade, business, craft or profession.  The website address for the ODR platform is:

Click the following link for our Complaints Procedure.

VAT Number:  Our VAT number is GB 794 4753 79.

Standard Terms and Conditions:  Our standard terms and conditions of business will accompany the letter of engagement/service agreement provided at the commencement of our engagement to which they apply.  Further copies can be provided upon request.

Applicable Law:  English law.  Unless otherwise agreed the English courts will have exclusive jurisdiction in relation to any claim, dispute or difference concerning our services and any matter arising from it.

Visa & MasterCard regulations in respect of payment by Credit or Debit Card
Refund or Cancellation – As you have already received the service before payment is made, we do not offer a refund or cancellation policy. Click the following link for our Complaints Procedure.

Interest Policy and banking arrangements in relation to monies held on behalf of clients.  The objective of the firm is to account to clients or other relevant people for whom we hold monies, a sum in lieu of interest on a fair and reasonable basis.

When we receive money from or on behalf of a client, it will be paid into a general client account with Barclays Bank who are the firm’s primary banker.
The firm does not pay the full rate of interest that it earns on general client funds as this is an enhanced rate that the firm can secure from holding large levels of client funds in aggregate.
In determining the period over which interest is to be calculated we will accrue interest on cleared funds from the day following receipt, and for uncleared funds seven days after receipt into the general client bank account of the firm.
In the event that the calculated total interest due to the client on a specific matter is less than £50 then no interest will be payable to the client, as it is considered that such a sum may be reasonably retained by the firm to cover the administrative cost of managing client funds.

We will generally calculate and pay interest on a quarterly basis. The rate of interest the firm pays fluctuates depending upon the rate the firm can secure from its bankers from time to time.

Interest Rates – Following the reduction in the Bank of England base rate, from 1 October 2016 no interest is payable on monies held on behalf of clients.