Terms & Conditions

1. Definitions

"Account" – the account(s), policies, plan(s), investments, loans, motor finance (including Hire Purchase, Personal Contract Purchase and Lease agreements), credit cards or other financial arrangements identified by You as being relevant to the Claim.

"Agreement" – the agreement entered into by You with Us, incorporating the Letter of Authority Form and these Terms and Conditions.

"Claim" – the claim or claims made by Us to the Provider on Your behalf for a breach of legislation or regulation relating to an Account including, irresponsible lending, undisclosed commissions, and/or breaches of the Consumer Credit Act 2006.

"Client Account" – a separate bank account where client funds are deposited. This account is separate to Our main business account.

"FCA" – the Financial Conduct Authority.

"Fees" – the fees payable by You to Us under clause 5 and/or any other fees or other amounts payable by You to Us under the Agreement.

"FOS" – the Financial Ombudsman Service.

"FSCS" – the Financial Services Compensation Scheme.

"Letter of Authority" – the signed document which You complete in respect of a Claim which enables Us to correspond directly with Your Provider.

"Personal Notice" – written notice provided by Us to You at least 15 Working Days in advance (or such shorter period as may be necessary to ensure We comply with Our regulatory and legal obligations) by post or email (in each case provided to the most recent contact details provided by You to Us).

"Provider" – the bank(s), financial institution(s), broker(s) or other provider(s) of generic financial services against which We bring a Claim on Your behalf which will be detailed in each Letter of Authority.

"Redress Scheme" – the FCA's proposed Consumer Redress Scheme pursuant to CP25/27.

"Services" – the services that We agree to provide to You under this Agreement, including (not exhaustively) the assessment, preparation and negotiation of Your Claim as described in clause 3.

"Settlement Amount" – all amounts paid or to be paid by the Provider to You in settlement of Your Claim (gross of any tax You are liable to pay), being the total value of the benefits to You, monetary or otherwise, and including any cash or cheque payment, any reduction in Your account balance, any reduction in Your account arrears/debts and any interest paid by the Provider in relation to the Claim. Where a Settlement Amount is increased on appeal during the term of this Agreement, then the higher amount shall be used.

"We", "Our" and "Us" – M. R. Consumer Services Ltd (07102609) T/A Mis-sold Expert whose registered address is 23a Kenilworth Gardens, Hayes, Middlesex, UB4 0AY or anyone to whom We transfer Our rights and obligations under the Agreement.

"Working Days" – any day on which banks are open for business (excluding Saturdays, Sundays and public holidays).

"You" and "Your" – the person(s) engaging Us in accordance with the Terms and Conditions of this Agreement.

2. The Agreement Between You and Us

2.1. You appoint Us to act as Your exclusive representative in your Claim and We agree to act on Your behalf and to provide the Services on the terms of the Agreement.

2.2. The Agreement takes effect when You sign these Terms and Conditions and unless terminated earlier, will continue until:

• The Settlement Amount is recovered for You by Us and You have paid the Fees in respect of all Claims We are processing; or
• Your Claim is rejected and either We notify You that there is no avenue of appeal remaining or any such avenue is, in Our reasonable opinion, unlikely to succeed.

2.3. By appointing Us You:

2.3.1. confirm that no agency or person other than Us is acting for You in relation to the Claim and You agree not to appoint any such agency/person, including yourself, in relation to the Claim unless You terminate this Agreement with Us in accordance with clause 6.

2.3.2. understand and acknowledge that We cannot guarantee the outcome of Your Claim; and

2.3.3. accept responsibility for payments that You may be liable for under this Agreement.

2.3.4. authorise Us to investigate any other potential claims held with that Provider and submit a Claim for which You are subject to Our Fees as detailed in clause 5. We will notify You of any additional accounts that are identified.

3. Our Services

3.1. We will assess the basis and merits of Your claim by asking You questions in relation to Your interactions with the Provider. We reserve the right to refuse to provide the Services to You where We believe that it is not in Your best interests for Us to provide the Services.

3.2. We will contact the Provider to obtain transactional information such as statements and agreements which will enable Us to assess whether We consider Your Claim to be viable.

3.3. We will give You advice on the merits of Your Claim and any particular steps You need to take (such as those described in Clause 4).

3.4. We will raise a formal complaint first to the Provider regarding your Claim, requesting an appropriate Settlement Amount including statutory interest or any other applicable interest amount in accordance with rules and guidance of the FCA/FOS/FSCS or any other relevant statutory ombudsman or scheme.

3.5. We will notify You promptly of any requests for additional information or documentation that the Provider needs to investigate Your Claim and We will provide the Provider with the relevant information that We have received from You promptly.

3.6. We will update You within 10 working days when there are any material developments on Your Claims or when We receive any information which is for Your attention. Where there are no material developments, We will update You at least every 6 months in writing.

3.7. We will request from the Provider a full financial breakdown of all charges that relate to the Account and any other accounts that You have or have had with the Provider.

3.8. We will use Our reasonable endeavours to negotiate with the Provider for a settlement of the Claim on Your behalf.

3.9. We will notify You in writing of any Settlement Amount offer made by the Provider and provide Our advice regarding whether the offer You have received is in line with the rules of the FCA or the principles used by the FOS, FSCS or any other relevant statutory ombudsman or scheme.

3.10. If, at Our complete discretion, We consider that Your Claim is not viable, whether due to the claimed amount being too small or for any other reason, We will notify You, following which You will not be required to pay anything to Us and We will have no further obligations to You under the Agreement.

3.11. If the Provider fails to respond to Us or to You within 8 weeks of Our communication, You may have certain options including to issue a formal complaint to the FOS, FSCS or any other relevant statutory ombudsman or scheme. Where We believe your Claim has merit and it is in Your best interests to escalate Your Claim in these circumstances, We will do so on Your behalf upon receiving Your instructions to do so.

3.12. Where Your Claim has been rejected by the Provider and We believe it has merit and in Your best interests, We will seek Your instructions and agreement to refer Your Claim to the FOS, FSCS or any other relevant statutory ombudsman or scheme.

4. Your Actions

4.1 You agree to co-operate with Us at all times.

4.2 You agree to provide Us with all appropriate and available information and documentation relating to Your Claim as soon as possible. Such information may relate to Your financial circumstances, vehicle details, recollections of the sale of the product and where necessary, health information. Documentation which may be required are; suitability reports, finance agreements, bank statements, product documentation, proof of identity and residential documentation. This is not an exhaustive list.

4.3 You agree to provide Us with information which is truthful and accurate, to the best of Your knowledge and belief.

4.4 You authorise Us to act on Your behalf and as Your representative to take the action set out in these Terms and Conditions.

4.5 You also authorise Us to carry out the following actions on Your behalf:

• request appropriate further information from the Provider relating to Your Claim
• with Your consent settle the Claim
• with Your consent give binding commitments on Your behalf that You will not bring any further complaints relating to the Claim following settlement and release the Provider from any obligations or liabilities to You relating to the Claim;
• withdraw Your Claim, at our absolute discretion, in the event that the Provider provides Us with evidence that the Claim duplicates a Claim made by You or on Your behalf other than through Us;
• take any other actions which We are reasonably required to do in relation to the above.

4.6 You agree to provide any further information, documents or questionnaires that may be necessary for Us to progress Your Claim as soon as possible on request.

4.7 You agree to notify Us promptly of any direct communications that You may have with the Provider regarding the progress of Your Claim (which may include telephone calls, receipt of statements, Settlement Amount offers or rejections) and forward any paperwork connected with this to Us as soon as possible if We request it. (Please note that if You fail to advise Us of any communication from the Provider, You may impede the progress of Your Claim and we may terminate the Agreement with Fees payable as detailed in Clause 6);

4.8 You agree that You will not accept any settlement that is communicated directly to You by the Provider unless agreed in writing in advance with Us.

4.9 You will notify Us promptly upon becoming aware of any changes in Your circumstances or of any documents not provided to Us which could affect the Claim. This includes, but is not limited to, any arrears, the issue of a default notice, a petition for a County Court Judgement or bankruptcy claim. In these circumstances, We reserve the right to terminate the Agreement in accordance with Clause 6.

4.10 You acknowledge that settlement of Your Claim may result in the termination of Your finance agreement.

4.11 You agree to pay Our Fee due as a result of a successful Claim.

5. Our Fees and How You Pay Us

5.1. Where Your claim is successful, the Fees we charge are in line with the FCA Fee Cap for Financial Product and Service Claims and represents fair price and value in accordance with the Consumer Duty. Furthermore, pursuant to Section 3(c) of The Damages-Based Agreement Regulations 2013, We must specify the reason for setting the amount of our Fees at the level agreed, those being:

• the risk that the Provider will raise unforeseen issues in responding to the Claim;
• the fact that the Provider is well resourced and may contest Your Claim;
• the factual complexity of the Claim in certain circumstances;
• the likely delay in receipt of Our Fees; and
• it would not be economically feasible for Us to pursue Your Claim without having the ability to charge a success fee at this level.
• the risk that Your Claim is not successful, whereupon We will not recover any payment for the time spent by Us;

5.2. Our Fees will be calculated based on the Settlement Amount in accordance with the table below. Our Fee is a percentage of the Settlement Amount or the maximum total Fee, whichever is the lower amount. The Fee illustration is not to be taken as an estimate of the amount likely to be recovered but only to be used as a guide to the level of Our Fee. The amount You pay may be more or less than these examples.

For example, if You are awarded £2,000, Our Fee will be 33.60% including VAT (£672 (including VAT of £112)) and You will retain £1,328. If Our percentage will exceed the maximum total Fee allowable, then You will not be charged more than the maximum. For example, if You are awarded £9,999, Our Fee will be £3,000 including VAT and You will retain £6,999. The amount You receive may be more or less than these examples.

Please note that You are responsible for ensuring that any tax due from Your Claim is declared to His Majesty's Revenue & Customs.

5.3. If you have arrears or outstanding liabilities on your finance then the Provider may use the Settlement Amount to pay those before making any payment to You. In this case You will still be required to pay Our Fees.

5.4. In the event that you are or have previously been subject to a Trust Deed, IVA, Bankruptcy, Sequestration, DRO or other debt solution, you should be aware that the Settlement Amount may be used to pay your creditors and You will still be required to pay Our Fee.

5.5. We will issue an invoice and send it to You as soon as possible following the earliest date on which We become aware that the Provider has offered a Settlement Amount which We are or would have been prepared to accept on Your behalf.

5.6. Where We operate a Client Account, you agree that the Provider is to make payment of the Settlement Amount directly to Us and this will be paid into our Client Account. We will deduct Our Fee and make payment of the balance to You within 2 business days of receipt by Us.

5.7. If the Provider makes payment to you directly You must settle Our invoice within:

• 14 days of it being issued if You receive a settlement of Your Claim from the Provider in cash or cleared funds;

5.8. Where the Provider pays some or all of the Settlement Amount directly to You or the Provider reduces any of Your account balances or outstanding debts in payment of the Settlement Amount:

• You will notify Us of such payment or reduction within a reasonable time of You becoming aware of it;
• We will notify You of such a payment or reduction within a reasonable time of Us becoming aware of it, should We become aware of it before We have been notified by You.

5.9. You agree that We can deduct the Fees from Your credit/debit card where You have provided Us with those details for the purpose of payment of Our Fees.

5.10. Once You have settled Your invoice in full, in respect of all active Claims Our responsibilities and obligations to You in connection with this Agreement will cease.

5.11. Subject to clause 5.2, if We submit a Claim on Your behalf but no Settlement Amount is paid by the Provider in respect of that Claim, You will not be required to pay any Fee to Us.

5.12. You may terminate this agreement at any time but if You do so after We have submitted a Claim to the Provider and You go on to recover any monies from the Provider, We reserve the right to charge Our Fees calculated in accordance with Clause 5.2.

5.13. If You become liable under the preceding clause for Fees calculated in accordance with Clause 5.2. but have already paid the sums due pursuant to Clause 6.2, You shall be liable to Us for the difference.

5.14. If You recover any monies from the Provider after termination You must immediately write to Us and inform Us of that fact.

5.15. In respect of any unpaid invoices, We may at Our discretion:

• commence debt collection proceedings to recover the amount due;
• charge simple interest on the amount unpaid at the rate of 8% per annum; and add to the amount reasonable costs incurred in seeking to recover Our Fee from You

6. Termination

6.1. You have a statutory right to cancel this Agreement within 14 days from the date You sign these Terms and Conditions, in which case You will have no obligation to pay Us any Fees. You may cancel at any time during this period by completing the cancellation form included in Your pack, or by notifying Us by letter, telephone, email, or in person.

6.2. You can terminate this Agreement at any time outside of the 14-day cooling off period referred to above. We reserve the right to charge You a reasonable and proportionate Fee based on the work carried out in relation to Your Claim at a rate of £80 plus VAT per hour and £10 plus VAT for each individual piece of correspondence We have issued to either yourself or Your creditor.

6.2.1. If this Agreement is terminated by You after the 14-day cooling off period has expired and an offer of settlement has been made as a result of us submitting the Claim which We recommend You should accept; We reserve the right to charge Our full Fees as detailed in clause 5. Should you subsequently choose to accept any Settlement Amount directly with the Provider, we shall not be entitled to any additional amount in respect of Our Fee.

6.3. Save for clause 5.12 and 6.2.1 above, We may terminate this Agreement and We reserve the right to charge You a reasonable Fee based on the work carried out in relation to Your Claim at a rate of £80 plus VAT per hour and £10 plus VAT for each individual piece of correspondence We have issued to either yourself or Your creditor If any of the following events occur:

6.3.1. We become aware that You are pursuing Your Claim independently;

6.3.2. You provide Us with any information which is untrue;

6.3.3. You knowingly submit any frivolous or vexatious Claims;

6.3.4. You fail to respond to Our reasonable requests for information to support Your Claim.

6.3.5. You fail to remedy a breach of this Agreement within 28 days of Us asking You to do so;

6.4. We may terminate the Agreement without charge If any of the following events occur:

6.4.1. We reasonably consider that the process of pursuing Your Claim has become abnormally delayed or time consuming;

6.4.2. We become aware that Your Claim is unlikely to succeed;

6.4.3. You enter into any bankruptcy proceedings including an individual voluntary arrangement with Your creditors.

6.5. If We are in breach of Our obligations under this Agreement You can cancel this Agreement at any time without having to pay a Fee.

7. Limitations On Our Service and Liability

7.1. Where the Provider makes an offer of a Settlement Amount and the Provider has failed to furnish Us with the appropriate information despite Our reasonable efforts to obtain the same, We are under no obligation to verify the calculation of the amount other than to confirm that the offer of a Settlement Amount has been calculated by the Provider as required under the process rules of the FCA, FOS, FSCS or any other relevant statutory ombudsman or scheme.

7.2. If any form of tax is payable by You or on Your behalf in relation to the Settlement Amount (such as income tax which is payable by You in respect of the interest paid to You as part of the Settlement Amount), You shall be fully responsible for such payment and We shall have no responsibility to make such payment on Your behalf.

7.3. We shall have no liability to You for any loss to the extent it arises as a result of the information provided by You on Your Letter of Authority being inaccurate, incomplete or misleading to the fullest extent permitted by law.

7.4. Nothing in the Agreement shall exclude or limit any liability of Ours which may not be legally excluded or limited.

8. Changes to The Agreement

8.1. We may make changes to the Agreement, including introducing new Fees and charges and making changes to the basis on which We charge for providing services, by giving You Personal Notice.

8.2. We may be required to make changes to the Agreement in order to comply with the law and/or requirements of the FCA and/or FOS, and if We do, We will give You Personal Notice.

8.3. Where We make any change under clause 8.1 or 8.2 the change will be proportionate to an underlying reason for the change.

8.4. When We give You notice of a change We intend to make in accordance with:

8.4.1. clause 8.1, before the change takes effect You may end the Agreement by giving Us no less than 10 Working Days notice in writing at no charge to You; or;

8.4.2. clause 8.2, before the change takes effect You may end the Agreement by giving Us no less than 10 Working Days notice in writing and We reserve the right to charge a reasonable and proportionate Fee based on the work carried out in relation to Your Claim at a rate of £80 plus VAT per.

8.5. If You do not tell Us that You want to end the Agreement and if We do not hear from You as described in clause 8.4 before the date each change is to take effect, then You will be deemed to have accepted the change and it will take effect automatically.

9. Personal Details and Statement of Data Protection

9.1. We recommend that You read this statement carefully as it defines the use of personal information, We obtain about You and how the information is used.

9.2. We confirm that all personal information supplied by You will not be passed on to anyone other than:

9.2.1. as required by law, court orders or as requested by any government or law enforcement authority;

9.2.2. associated companies as set out in clause 9.3;

9.2.3. any company or other entity to which We may either transfer or subcontract any or all of Our obligations to You under this Agreement.

9.3. We may use Your personal information only if You have freely given Us, specific, informed consent to contact You to provide You with details of other products and services which We think may be of interest to You. Contact could include services or products offered by Our associated companies or selected third parties where you have consented to this. We may share personal information with these associated companies and selected third parties and they may contact You directly to provide You with details of such products and services. You may let Us know if You do not want Us to disclose Your personal information as set out in this clause or if You wish to amend the way We communicate with You by using the contact details in clause 10. Further details of how We process personal data can be found in Our Privacy Policy available on request or via Our website.

9.4. If You have chosen to receive information by e-mail please be aware You are solely responsible for the security of Your personal computer and every reasonable precaution must be taken to ensure no unwanted access to the information is allowed. If You feel that someone has accessed the information We have sent You or Your computer is lost or stolen please contact Us immediately.

9.5. You can contact Us at any time by writing to the Data Protection Manager at the above address for any information You require and also if You would like copies of any or all personal information We hold about You. Please be aware that We may record and monitor Your calls to maintain or improve Our services.

10. Complaints

10.1. You can submit a complaint to us in one the following ways:

Write to us at: 23A Kenilworth Gardens, Hayes, Hillingdon, UB4 0AY
By email: complaints@mis-soldexpert.co.uk
By telephone: 0161 5678822
Or in person by visiting our premises (address detailed above)

10.2. We will send you a written acknowledgement with a copy of our complaints procedure promptly and in any event within 5 business days.

10.3. If we haven't resolved Your complaint within 8 weeks of receipt or You are not satisfied with our response You can refer it to the Claims Management Ombudsman, whose contact details are:

Exchange Tower, Harbour Exchange, London, E14 9SRG
www.cmc.financial-ombudsman.org.uk
Email: complaint.info@financial-ombudsman.org.uk
Tel: 0800 023 4567

10.4. If you believe we have breached our Data Protection Warranties, you have the right to make a complaint to the Information Commissioner's Office (ICO), the UK supervisory authority for data protection issues (www.ico.org.uk). We would, however, appreciate the chance to deal with your concerns before you approach the ICO so please contact us in the first instance as above.

11. General Terms

11.1. By giving You Personal Notice We may transfer Our rights and obligations under this Agreement. Your rights under the Agreement will not be reduced as a result of such a transfer.

11.2. You may not transfer Your rights and obligations under this Agreement unless We agree in writing.

11.3. This Agreement is between You and Us. No other party shall have any rights to enforce its terms.

11.4. Each clause in this Agreement operates separately. If any court or relevant authority decides that any clause is unlawful the remaining clauses will stay with full force and effect.

11.5. If We fail to insist that You perform any of Your obligations under this Contract or if We do not enforce Our rights against You or if We delay in doing so, that does not mean that We have waived Our rights against You and will not mean that You do not have to comply with this Agreement. If We do waive a default by You, that does not mean that We will automatically waive a later default by You.

11.6. If any event beyond Our reasonable control prevents or hinders Us from performing Our obligations under this Agreement We shall not be deemed to have breached this Agreement.

11.7. The Agreement will be governed by English law, and each party submits to the non-exclusive jurisdiction of the courts of England and Wales. However, if You are resident in Northern Ireland or Scotland, You may also bring proceedings in Northern Ireland or Scotland.

Bolton Activation Day Terms & Conditions

1. Promoter

1.1. The promoter of the 12.1 Challenge (the "Promotion") is M. R. Consumer Services Limited (registered in England & Wales, company number 07102609), trading as Mis-Sold Expert, of 19 Spring Gardens, Manchester, M2 1FB (the "Promoter").

1.2. Mis-Sold Expert is a Claims Management Company authorised and regulated by the Financial Conduct Authority (FRN: 838452).

1.3. The Promotion is being delivered as part of Mis-Sold Expert's partnership with Bolton Wanderers Football Club.

1.4. These Terms & Conditions relate specifically to the 12.1 Challenge Promotion and should be read alongside Mis-Sold Expert's wider website terms, privacy policy and any other applicable terms made available to participants.

2. Promotional Period and Prize Draw Dates

2.1. The Promotion will begin on 8 September 2026, with the first 12.1 Challenge matchday activation at Bolton Wanderers.

2.2. The Promotion will operate across selected Bolton Wanderers matchdays during the 2026/27 season.

2.3. There are two separate prize draws, each with its own closing date and draw date, as set out below.

2.4. Entries into the Hospitality Prize Draw will close at 20:00 on 20 March 2027. No entries received after this time will be included in the Hospitality Prize Draw.

2.5. The Hospitality Prize Draw, for the two pairs of hospitality tickets for Bolton Wanderers v Swansea City on 24 April 2027, will take place on 25 March 2027 at 12:00pm, when two winners will be selected at random from all valid qualifying entries received before 20:00 on 20 March 2027.

2.6. Entries into the Main Prize Draw will close at 20:00 on 20 April 2027. No entries received after this time will be accepted.

2.7. The Main Prize Draw, for the signed Bolton Wanderers shirt, signed Bolton Wanderers football and £829 cash prize, will take place on 25 April 2027 at 10:00am, when three winners will be selected at random from all valid qualifying entries received before 20:00 on 20 April 2027, excluding the two winners already selected in the Hospitality Prize Draw.

2.8. A qualifying entry recorded before 20:00 on 20 March 2027 will be included in both prize draws, subject to clause 2.7. A qualifying entry recorded after that time and before 20:00 on 20 April 2027 will be included in the Main Prize Draw only.

3. Eligibility

3.1. The 12.1 Challenge is open to adults and children attending participating Bolton Wanderers matchday activations, subject to these Terms & Conditions.

3.2. Participants under the age of 18 must be accompanied by a parent or legal guardian in order to participate.

3.3. Where a participant is under 18, their accompanying parent or legal guardian will be required to complete the relevant registration process and provide their details for the purposes of administering participation and any subsequent qualifying prize draw entry.

3.4. To be entered into the prize draws, the participant (or, where the participant is under 18, their accompanying parent or legal guardian) must complete the required registration journey, agree to these Terms & Conditions, and agree to receive communications from the Promoter relating to the Promotion.

3.5. Employees of the Promoter who are directly involved in the Promotion, employees of agencies or suppliers directly involved in administering the Promotion, and members of their immediate families or households are not eligible to enter the prize draws.

3.6. The Promoter may request reasonable proof of identity, age or eligibility where necessary before a prize is awarded.

3.7. No purchase is necessary to participate in the 12.1 Challenge.

3.8. Participation in the Promotion does not guarantee that an individual is eligible for a car finance claim and does not guarantee any financial outcome in connection with Mis-Sold Expert's services.

3.9. Entering the 12.1 Challenge does not involve any credit check and places the participant under no obligation to use Mis-Sold Expert's services. Completing the registration form registers a competition entry only; a participant will not be signed up to use Mis-Sold Expert's services unless they separately complete the sign-up process at a later date.

3.10. You can claim without using a claims management company, direct to your finance provider and then to the Financial Ombudsman Service (FOS), for free. The FCA has introduced a free consumer redress scheme.

4. Entry Restriction

4.1. Each person is permitted one attempt at the 12.1 Challenge during the entire Promotional Period.

4.2. A participant who has already played the 12.1 Challenge at one participating matchday activation cannot play again at a subsequent activation.

4.3. A participant cannot receive more than one qualifying entry into the prize draws.

4.4. The Promoter reserves the right to identify and remove duplicate attempts or entries where it reasonably believes that an individual has participated more than once.

5. How to Take Part

5.1. The 12.1 Challenge is a physical matchday activation in which supporters test their timing by attempting to stop a digital timer at exactly 12.1 seconds.

5.2. Before participating, the participant, or their accompanying parent or legal guardian where the participant is under 18, will complete the required registration journey associated with the activation.

5.3. Once the required participation process has been completed, the participant will be invited to play the 12.1 Challenge.

5.4. The digital timer will begin automatically.

5.5. The participant must press the physical buzzer once in an attempt to stop the timer at exactly 12.1 seconds.

5.6. The official result will be the time recorded and displayed by the activation equipment.

5.7. The Promoter's decision regarding the recorded time will be final, subject to any demonstrable technical or equipment malfunction.

6. Qualifying for the Prize Draws

6.1. A participant who successfully stops the official timer at exactly 12.1 seconds will qualify for entry into the campaign prize draws.

6.2. A participant will only receive a qualifying entry into the prize draws if they have completed the required registration journey, including agreeing to these Terms & Conditions and to receiving communications from the Promoter relating to the Promotion.

6.3. Agreeing to receive marketing communications from Mis-Sold Expert about its wider services is entirely optional. Whether or not a participant gives that consent will have no effect on their eligibility to enter, on the validity of their qualifying entry, or on their chance of being selected in either prize draw.

6.4. Successfully stopping the timer at 12.1 seconds does not mean that the participant has won a prize. It provides the participant with one eligible entry into the campaign prize draws.

6.5. Only valid qualifying entries recorded during the Promotional Period will be included in the prize draws. Entries recorded before 20:00 on 20 March 2027 will be included in both the Hospitality Prize Draw and the Main Prize Draw. Entries recorded after that time and before 20:00 on 20 April 2027 will be included in the Main Prize Draw only.

6.6. Where a participant under the age of 18 successfully achieves 12.1 seconds, the details provided by their accompanying parent or legal guardian will be used for the purposes of administering the qualifying entry and any subsequent winner communication.

6.7. Entries may be invalidated where the Promoter reasonably determines that:

• false or misleading information has been provided;
• the participant has already taken part in the Promotion;
• the activation equipment has been interfered with or manipulated;
• the qualifying result has been obtained fraudulently; or
• the entry otherwise breaches these Terms & Conditions.

6.8. The Promoter reserves the right to verify a qualifying result before accepting the associated entry into the prize draws.

7. The Prize Draws

7.1. There will be two separate prize draws — the Hospitality Prize Draw and the Main Prize Draw — with a total of five winners selected across the Promotion.

7.2. The Hospitality Prize Draw will take place on 25 March 2027 at 12:00pm. Two winners will be selected entirely at random from all valid qualifying entries received before the Hospitality Prize Draw closes at 20:00 on 20 March 2027.

7.3. Each of the two winners selected in the Hospitality Prize Draw will receive one pair of hospitality tickets for Bolton Wanderers v Swansea City.

7.4. The Main Prize Draw will take place on 25 April 2027 at 10:00am. Three winners will be selected entirely at random from all valid qualifying entries received before the competition closes at 20:00 on 20 April 2027, excluding the two winners already selected in the Hospitality Prize Draw.

7.5. The prizes available in the Main Prize Draw will be:

• 1 × signed Bolton Wanderers shirt
• 1 × signed Bolton Wanderers football
• 1 × £829 cash prize

7.6. The three individual prizes available in the Main Prize Draw will also be allocated entirely at random between the three selected winners.

7.7. Each eligible qualifying entry will have an equal opportunity of being selected in the prize draw or draws for which it is eligible.

7.8. Participants cannot indicate a preferred prize either when entering the Promotion or after being selected as a winner.

7.9. Winners will not be able to choose which prize they receive.

7.10. Once a prize has been randomly allocated to a winner, that winner cannot exchange it for another prize within the prize pool.

8. Prizes

8.1. There will be five winners in total: two hospitality winners selected in the Hospitality Prize Draw on 25 March 2027 at 12:00pm, and three winners selected in the Main Prize Draw on 25 April 2027 at 10:00am.

8.2. The total prize pool comprises:

• 1 × signed Bolton Wanderers shirt
• 1 × signed Bolton Wanderers football
• 1 × £829 cash prize
• 1 × pair of hospitality tickets for Bolton Wanderers v Swansea City
• 1 × pair of hospitality tickets for Bolton Wanderers v Swansea City

8.3. The two hospitality packages will be treated as two separate prizes. Two individual winners will therefore each receive two hospitality tickets for the Bolton Wanderers v Swansea City fixture.

8.4. The signed Bolton Wanderers shirt, signed Bolton Wanderers football and £829 cash prize will be allocated entirely at random between the three winners selected in the Main Prize Draw on 25 April 2027.

8.5. The two hospitality winners will each receive one pair of hospitality tickets following the Hospitality Prize Draw on 25 March 2027 at 12:00pm.

8.6. Winners cannot select, request or indicate a preference for any particular prize.

8.7. Winners cannot exchange their allocated prize for another prize within the prize pool.

8.8. The £829 cash prize will be paid to the relevant winner following successful verification of the winner and their contact details.

8.9. The signed Bolton Wanderers shirt and signed Bolton Wanderers football may differ slightly from any photographs, illustrations or representations used within promotional materials.

8.10. The hospitality prizes consist of two hospitality tickets per winning entry for Bolton Wanderers v Swansea City, scheduled to take place on 24 April 2027.

8.11. Hospitality tickets are subject to the applicable Bolton Wanderers ticketing, hospitality, admission and stadium terms and conditions.

8.12. Unless expressly stated otherwise, travel to and from the stadium, accommodation and any other costs associated with attending the fixture are not included within the hospitality prize.

8.13. If the relevant Bolton Wanderers v Swansea City fixture is rescheduled, the hospitality tickets will apply to the rearranged fixture, subject to the applicable arrangements made by Bolton Wanderers.

8.14. Prizes are non-transferable unless otherwise agreed by the Promoter.

8.15. There is no cash alternative to the signed merchandise or hospitality prizes.

8.16. The Promoter reserves the right, where circumstances outside its reasonable control make an advertised prize unavailable, to provide a reasonable alternative of equal or greater value.

9. Winner Notification

9.1. Winners will be contacted using the contact details supplied during the registration process.

9.2. The Promoter will make reasonable efforts to contact each selected winner following the relevant prize draw.

9.3. Winners may be required to provide information reasonably necessary to confirm their identity and eligibility before their prize is released.

9.4. Where the qualifying participant was under 18 when taking part, communications relating to the prize will be made using the details provided by the accompanying parent or legal guardian.

9.5. If a selected winner:

• cannot be contacted after reasonable attempts;
• does not respond within the timeframe communicated by the Promoter;
• cannot provide any reasonably required verification;
• is found not to have complied with these Terms & Conditions; or
• declines their allocated prize,

the Promoter reserves the right to withdraw that individual's entitlement to the prize.

9.6. Where a prize is withdrawn under clause 9.5, the Promoter may select a replacement winner at random from the remaining valid qualifying entries that were eligible for the relevant prize draw.

9.7. Any replacement winner and, where applicable, the prize allocated to them will be determined using the same random process as the relevant original draw.

10. Prize Fulfilment

10.1. The Promoter will make arrangements with each verified winner for their prize to be delivered, collected, transferred or otherwise provided as appropriate.

10.2. The method and expected timescale for prize fulfilment will be communicated directly to each winner.

10.3. The £829 cash prize will be transferred using a payment method agreed between the Promoter and the verified winner.

10.4. Signed merchandise will be delivered or made available for collection in accordance with arrangements communicated to the relevant winners.

10.5. Hospitality tickets will be provided in accordance with the applicable Bolton Wanderers ticketing and hospitality arrangements.

11. Technical Issues and Activation Equipment

11.1. The Promoter will take reasonable steps to ensure that the digital timer, buzzer and associated activation equipment are functioning correctly.

11.2. If an equipment malfunction, technical fault, power failure or other technical issue materially affects a participant's attempt, the activation team may void that attempt.

11.3. Where an attempt is voided because of a genuine equipment or technical malfunction, the participant may be permitted to take a replacement attempt.

11.4. A replacement attempt permitted under clause 11.3 will not be treated as a second attempt for the purposes of the one-attempt restriction.

11.5. Participants must not interfere with, modify, obstruct, damage or attempt to manipulate the timer, buzzer or any other activation equipment.

11.6. Where there is reasonable evidence of deliberate interference, manipulation or fraudulent activity, the Promoter may invalidate the relevant attempt or qualifying entry.

12. Matchday Conduct and Safety

12.1. Participants must follow reasonable instructions given by the Promoter, activation staff, Bolton Wanderers personnel, stadium personnel, stewards and security staff.

12.2. The Promoter may refuse participation or disqualify a participant where their conduct is considered unsafe, abusive, threatening, fraudulent, disruptive or otherwise inappropriate.

12.3. Participation in the 12.1 Challenge remains subject to all applicable stadium rules, security procedures and matchday safety requirements.

12.4. The operation of an individual matchday activation may be suspended, delayed, relocated or cancelled where reasonably necessary for safety, security, operational or weather-related reasons.

13. Personal Data

13.1. Personal information provided in connection with the Promotion will be processed in accordance with Mis-Sold Expert's applicable Privacy Policy.

13.2. Information required to administer the Promotion may be used to:

• Record participation in the 12.1 Challenge;
• Identify duplicate participation;
• Verify qualifying entries;
• Administer the random prize draws;
• Send communications relating to the Promotion;
• Contact and verify winners;
• Arrange prize fulfilment; and
• Comply with applicable legal and regulatory requirements.

13.3. Where a child participates in the activation, the accompanying parent or legal guardian will provide the relevant personal details required for registration and prize draw administration.

13.4. The registration journey includes two separate agreements. The first, which is required in order to enter the prize draws, is the participant's agreement to these Terms & Conditions and to receiving communications from the Promoter relating to the Promotion. The second, which is entirely optional, is the participant's consent to receive marketing communications by email from Mis-Sold Expert about its wider services.

13.5. Communications relating to the Promotion are limited to confirming an entry, providing updates about the prize draws, and contacting, verifying and making arrangements with winners. These emails are sent by Mis-Sold Expert and will identify Mis-Sold Expert as the sender, including its contact details, regulatory information and a link to its website. They will end when the Promotion concludes.

13.6. Where a participant has given the optional consent referred to at clause 6.3, the emails they receive about the Promotion may also contain information about Mis-Sold Expert and its services, including links to the Mis-Sold Expert website and to its free car finance check. This content will only be sent to participants who have given that consent, and every such email will include a simple means of unsubscribing.

13.7. Marketing consent given under clause 6.3 relates to email marketing only. The Promoter will not use a participant's details to send marketing communications by telephone or SMS. Marketing consent may be withdrawn at any time, using the unsubscribe mechanism included in each email or by contacting Mis-Sold Expert directly. Withdrawing consent will not affect the validity of a qualifying entry already recorded, or a participant's entitlement to a prize they have been allocated.

13.8. Any separate engagement with Mis-Sold Expert's wider services will be governed by the terms and privacy information applicable to those services.

14. Winner Information and Publicity

14.1. The Promoter may be required to make available information demonstrating that valid prizes have been awarded.

14.2. Where applicable and permitted by law, limited winner information may be made available for this purpose.

14.3. Winners may object to some or all of their information being made publicly available, although the Promoter may still be required to provide relevant information to a competent regulatory authority where legally required.

14.4. Any additional use of a winner's name, image or likeness for promotional purposes will be subject to the appropriate permission or consent where required.

15. Changes, Suspension or Cancellation

15.1. The Promoter intends to operate the Promotion in accordance with these Terms & Conditions.

15.2. If circumstances outside the Promoter's reasonable control make this impossible, the Promoter may suspend, amend, relocate or cancel an individual activation or the wider Promotion where reasonably necessary.

15.3. Any change will be limited to what is reasonably required and the Promoter will seek to avoid unfairly disadvantaging participants.

15.4. Where reasonably practicable, material changes affecting participants will be communicated through the appropriate campaign or matchday channels.

15.5. The cancellation, postponement or relocation of an individual matchday activation does not automatically invalidate qualifying entries validly received during previous activations.

16. Liability

16.1. Nothing within these Terms & Conditions excludes or limits liability where it would be unlawful to do so.

16.2. Subject to clause 16.1, the Promoter will not be responsible for loss, damage or delay resulting from circumstances outside its reasonable control.

16.3. The Promoter will not be responsible for entries that cannot be recorded because of genuine technical or connectivity problems, although reasonable steps will be taken to resolve issues arising during an activation.

16.4. Participants' statutory rights remain unaffected.

17. General

17.1. The Promoter's decision regarding the administration of the Promotion, validation of qualifying results, winner selection and prize allocation will be final, subject always to applicable law and regulation.

17.2. The random nature of the prize draws means that successfully achieving 12.1 seconds does not guarantee that a participant will receive a prize.

17.3. The Promoter reserves the right to disqualify any participant or entry where there are reasonable grounds to believe these Terms & Conditions have been breached.

17.4. If any provision within these Terms & Conditions is found to be invalid or unenforceable, the remaining provisions will continue to apply.

17.5. These Terms & Conditions are governed by the laws of England and Wales.

17.6. Participants will continue to benefit from any mandatory rights available to them under applicable consumer law.

17.7. By participating in the 12.1 Challenge, participants agree to be bound by these Terms & Conditions.