Claimants Lost to Scheme
0
£0 fee income lost
Retained Claimants
0
£0 retained fee book
Cross Sell Revenue (Leavers)
0
From 46 OCC products
The book shrinks on PCP. The revenue does not.
Net Fee Book After Attrition
0
Retained and cross sell combined
OCC Platform ROI
0x
Return on MSA investment
Break Even Gross Recovery
ⓘ
Hard Break Even
Minimum gross award where the client nets exactly the scheme payout after fees. Below this, the free route wins outright.
Retention Threshold
Gross award needed so the client nets the scheme payout plus the waiting premium. Adjust the Consumer Waiting Premium slider to model how much extra return claimants need to choose a 2-year wait over immediate cash.
Net parity with £829 scheme / compelling premium level
01
EPR Threshold Flagging
Every claimant with an expected gross recovery below the hard break even threshold has a rational financial case for taking the free scheme. Identifying this cohort early allows proactive case management and protects the firm from future complaints around informed consent.
02
Retention Communication Module
Claimants who receive a personalised comparison of their projected litigation recovery against the £829 scheme figure before the FCA communicates directly are significantly less likely to defect. The communication window between now and 30 June 2026 is the most commercially valuable period in the PCP claims cycle.
03
High Value Fast Track
Claimants with an EPR score above £5,000 gross represent the strongest retention cohort. Visible case progression, a named handler, and a credible court timeline are the primary factors that distinguish retained high value cases from those lost to the scheme.
04
Cross Sell Activation at Exit
A claimant who exits to the £829 scheme remains eligible across eight other Courmacs claim passport products. An automated eligibility check at the point of release converts an attrition event into a new claim pipeline, preserving long term client value regardless of the PCP outcome.
05
Board Level Attrition Brief
At 30%, 50%, and 70% attrition scenarios, the OCC MSA cost represents less than 0.05% of the retained fee book in every case. The platform investment required to manage attrition at scale is a rounding error against the fee income it protects.
06
Angel v Black Horse Watch
The 22 April judgment will either support retention or accelerate defection. Firms with processing infrastructure in place absorb either outcome. Firms without it have no contingency in either scenario.