Terms & Conditions

These terms apply to your use of this website and set out the basis on which BJM Recovery Ltd (company number 08473109) provides its services. The website exists to explain what we do, to provide general information about investment losses, and to allow you to submit details of your circumstances for an initial assessment.

BJM Recovery Ltd
Company Number: 08473109

Registered Office:
Radcliffe House, Lode Lane, Solihull, England, B91 2AA

The contracting legal entity throughout this document is BJM Recovery Ltd. References to “we”, “us” and “our” mean BJM Recovery Ltd.

• “We”, “us”, “our” — BJM Recovery Ltd.
• “You” — any visitor to this website, enquirer or client.
• “Enquiry” — information you submit through a contact or recovery assessment form, or by telephone or email.
• “Assessment” — our review of the circumstances you describe and the documentation you supply.
• “Engagement” — a signed agreement under which we act for you on a specific matter.
• “Matter” — the investment loss or dispute in relation to which you instruct us.

We provide specialist support to investors seeking to pursue the recovery of money lost through unregulated investments, investment schemes and other problematic investment arrangements. Depending on the matter, this may include reviewing documentation, investigating the circumstances of a loss, identifying potential recovery routes, corresponding with relevant parties, and progressing an agreed strategy.

Nothing on this website should be taken as a statement that we are a firm of solicitors, a law firm, an FCA-authorised firm, a financial adviser or any other regulated entity. Our position is set out on the Legal & Regulatory Information page. We do not provide investment advice.

Submitting an enquiry, uploading documents or speaking with a member of our team does not create a client relationship and does not oblige us to act for you. A client relationship begins only when we have agreed in writing to act and you have accepted our engagement terms.

We assess each matter on its own facts, considering the documentation available, the parties and jurisdictions involved, the routes that may realistically remain open, and the time and complexity involved. An assessment reflects our view of the information presented to us. We may decline to take a matter forward, and we are not required to give reasons.

You must provide accurate, complete and up-to-date information and supply relevant documentation. We rely on what you tell us. Incomplete or inaccurate information may lead to an unsound assessment, additional difficulty, or an inability to continue acting.

Every investment recovery matter is assessed individually. The circumstances of the investment, the available evidence, the parties involved and the applicable recovery process will determine the appropriate course of action.

The course of action available in a given matter may be affected by the solvency of the parties concerned, the location of assets, applicable limitation periods and the jurisdiction in which the matter falls to be pursued.

Certain matters referred to BJM Recovery Ltd through recognised governmental, regulatory and professional channels may be subject to specific recovery arrangements.

Where documentary evidence establishes that a matter has been formally referred to BJM Recovery Ltd by the relevant authority or institution, the applicable referral terms and recovery arrangements will be followed.

Examples of referral channels may include the Insolvency Service, Trading Standards and the Financial Conduct Authority, where a formal referral arrangement exists.

You agree to respond to reasonable requests for information within a reasonable time, to preserve original documents and evidence, to tell us promptly about any contact from the parties involved or from any other adviser, to make no payment to a third party claiming to be able to release your funds without discussing it with us first, and to keep your contact details up to date.

We will normally communicate with you by email and telephone. Email is not a guaranteed secure medium and, while we take reasonable precautions, we cannot accept responsibility for interception or corruption in transit. We aim to respond to correspondence promptly and to keep you updated on the progress of your matter.

We treat information about you and your matter as confidential and will not disclose it except as necessary to progress your matter on your instructions, to our professional advisers and service providers under confidentiality obligations, or where required by law.

Personal information is handled in accordance with UK GDPR and the Data Protection Act 2018, as described in our Privacy Policy, which forms part of these terms.

A matter may require the involvement of third parties such as legal advisers, investigators, experts or insolvency practitioners. Where that is necessary we will tell you, together with the implications. We are not responsible for the acts or omissions of independent third parties instructed by, or on behalf of, you.

All content on this website, including text, layout, graphics and imagery, is owned by or licensed to BJM Recovery Ltd and is protected by intellectual property law. You may view and print pages for your own personal use; any other use requires our written permission.

Information on this website is general in nature and does not constitute legal, financial or investment advice, and must not be relied on as advice about your circumstances. Case studies marked as illustrative examples do not describe real clients. We take care over the accuracy of the content but do not warrant that it is complete, current or error-free.

Nothing in these terms excludes or limits liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot lawfully be excluded or limited.

Subject to that, our liability in connection with any engagement is limited to the extent permitted by law, and any financial cap that applies will be set out in the engagement letter agreed with you before work begins.

We are not liable for losses arising from information you did not disclose, from delay caused by third parties, or from the insolvency or unavailability of the parties against whom recovery is pursued.

If you are unhappy with any aspect of our service, our Complaints Procedure explains how to raise the issue and how it will be handled.

Either party may end an engagement in accordance with the engagement letter, which sets out the notice required, the position on matters arising up to termination, and how documents are returned or retained.

These terms and any dispute arising out of them are governed by the law of England and Wales, and the courts of England and Wales have exclusive jurisdiction.

We may update these terms from time to time. The version published on this page applies to your use of the website. This version was last updated in August 2026. Changes to an existing engagement will be agreed with you in writing.