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Solicitors: Civil litigation

Application process

    What is the application process?

    To begin the application process, you will need to complete an application form on your client's behalf, 

    If Novitas approve the loan application, loan documents will be sent to the client directly for their signature via electronic signature or via our documentation partner. 

    Once Novitas receive the signed documents there is a statutory 14 days cooling off period before the first draw down can be made.

    Does the firm have to prepare the legal agreements for the loan?

    No. Novitas is responsible for the loan contracts and legal agreements with the client. Once they are approved, Novitas deals directly with the client regarding the loan.

    What documents will the client need to sign?

    The client will need to sign the following:

    • Adequate Explanations document
    • Consumer Credit Act regulated loan agreement
    • Deed of Assignment over proceeds of settlement
    • Authorisation letter, permitting you, their solicitor, to communicate with Novitas.

    What credit checks do you do on the client?

    We carry out a standard credit check as part of the client's application, known as a soft check, which should not affect their credit score. If they have a County Court Judgment (CCJ) or an Individual Voluntary Agreement (IVA) we are unlikely to lend to them.