Carter and Carter Solicitors: no win no fee personal injury and food allergy solicitors for England and Wales
Just two solicitors.
That’s the whole firm.
Food allergy, accident at work, public place and needlestick claims, for adults in England and Wales.
What will it cost?
10% of your compensation if your claim settles before court proceedings are issued.
About nine in ten of our successful claims settle before that stage. If court proceedings are issued, our fee is 25% of your compensation. Both figures include VAT.
How our fee works, in full
No obligation. Monday to Friday, 9am to 5pm. If neither of us can take your call, one of us will ring you back. Or ask us to call you back.
If your claim fails
Nothing to pay if your claim fails.
Under our agreement there are only two exceptions, and here they are:
-
You turn down an offer we advised you in writing to accept, and the court then awards you no more than it.
Whether to accept an offer is always your decision. We explain the risk, and what it could cost, in writing first.
-
A court finds you were dishonest about something central to your claim.
Neither exception has ever happened to one of our clients since 2007.
“β¦He was open and honest about what the process would be and what fees etc would be. There were NO hidden costs like I have heard about from other solicitors!!”
“He got us 30% more than his original thoughts as to what it might be worth, all within 8 weeks of starting the claim. Low fee as the other side admitted liability, and worth every penny.”
We checked 89 personal injury firms’ websites in November 2026. Not one homepage said when you could pay if your claim fails, and nearly 3 in 4 didn’t spell out a single situation anywhere we looked.
We’d rather you saw it here, before you ring.
The two exceptions, in full
If your claim is lost, you pay nothing. We don’t charge a success fee, we write off our own costs, and the expenses we have paid, such as medical reports and court fees, are our loss. There are only two situations where a lost claim could cost you something:
- 1Going against our advice on an offer. When the other side makes an offer, we tell you in writing whether we think you should accept it, and why. Whether to accept is always your decision. If you carry on against our advice, the claim usually has to go further through the court, which costs more and carries more risk. Under the court’s rules, if you then win no more than the offer, the other side’s legal costs from that point can be taken out of your compensation, whichever solicitor you use. And because carrying on was your choice, the court fees and barristers’ fees from that point are yours too. Our fee is our risk while you follow our advice. If you choose to go on against it, it is fair that the extra costs from that point are yours.
- 2Dishonesty. If a court finds your claim was fundamentally dishonest.
We would rather be honest with you than tell you everything will be all right. Going to court can go either way, and nobody can guarantee the result. So before you decide on any offer, we explain the risks in writing, plainly. Neither of these exceptions has ever applied to one of our clients since 2007.
We don’t advise you to take an offer just to close a claim. We weigh every offer against what your claim is worth, and tell you plainly whether to accept it or push for more. More on whether to accept the first offer.
“β¦Both claims were successful, although I wish I had pursued the second claim longer (which was Chris’ recommendation)⦔
One court rule worth knowing, even when you win. If the other side makes a formal offer to settle (a “Part 36 offer”), it is turned down, and the court later awards you the same or less, the other side’s legal costs from that point can be taken out of your compensation. We will always tell you if this becomes a real risk on your claim.
If we stop. If we end the agreement because we believe your claim is unlikely to win, you will not have to pay for the work we have already done.
If you stop. This is separate from the two exceptions above. You can cancel within 14 days at no cost. If you choose to end the agreement after that, the agreement sets out what we can charge for work already done.
“β¦He was open and honest about what the process would be and what fees etc would be. There were NO hidden costs like I have heard about from other solicitors!!”
“He got us 30% more than his original thoughts as to what it might be worth, all within 8 weeks of starting the claim. Low fee as the other side admitted liability, and worth every penny.”
“I was incredibly nervous to make a claim as it was not something I have done beforeβ¦ even after my initial first call with Chris Carter I knew I was in safe handsβ¦ Chris was very transparent and honest with the information and guidance he gave throughout the entire processβ¦ Chris managed to retrieve compensation higher than the expected guidelines⦔
What will I keep?
You keep 90% of your compensation if your claim settles before court proceedings are issued. Nothing to pay if your claim fails, except in two rare cases set out in the agreement.
You keep Β£2,700 of Β£3,000. The worked example is a claim that settles for Β£3,000 before court proceedings are issued.
Why 10%? Most of our claims settle without going to court, so there is less work to pay for. And with just two of us running the firm, our costs are low. So we do not need to take 25%.
Of 94 personal injury firms we checked in April 2026, 3 published a specific fee. Ours is on this page. See the fee study.
Apart from the cases above, nothing else comes out of your compensation. Every possible deduction, explained. Our full fee guide.
Will you tell me if I don’t have a claim?
Yes. If you don’t have a claim, we’ll tell you.
No stringing you along. No false hope. We only get paid when a claim succeeds, so we would rather you heard it on the first call. Honesty isn’t the obstacle to helping you. It’s the foundation.
Not sure? Ring and ask: 0800 652 0586
Can we look at your claim? Five quick checks
- 1It happened in England or Wales.
- 2It was within the time limit, usually three years, and not close to the deadline. Why we don’t take claims close to the time limit.
- 3You are an adult.
- 4It was not a road accident.
- 5Someone else was at fault, such as a restaurant, an employer or a shop.
A deliberate choice
We stayed small on purpose.
Growing would have been easy. More staff, more offices, more profit. But also more distance between you and the person responsible for your claim.
We’d rather know every client by name than count them by the thousand.
Your solicitor
Chris Carter
Qualified 1993 Β· Founded the firm in 2007
I qualified in 1993, and the work still means something. Every claim is a person whose life was turned upside down through no fault of their own.
I could have built a bigger firm. I chose to build a better one.
“Helping people is what keeps us going. It’s as simple as that.”
Your solicitor
David Healey
Qualified 2005 Β· With the firm since 2009
Some people want a solicitor who tells them what they want to hear. I’m not that solicitor.
I tell you what you need to hear. Clearly. Honestly. Even when it’s not good news. Because that’s what real help looks like.
“No jargon. No runaround. Just straight answers.”
“β¦He was professional & compassionate when dealing with a very sensitive situation. I canβt thank him enough for the supportβ¦ He helped me get my life back!”
Speak to Chris or David.
Free call. No obligation. Or ask us to call you back.
What happens when you call
A free conversation. Nothing to sign, nothing to pay. A free call is not a sales call.
- 1A solicitor answers. If neither of us can take your call, your details are taken and one of us will ring you back.
- 2We ask what happened, where and when.
- 3You don’t need any documents to ring. Letters, photos or medical notes help if you have them.
- 4We tell you honestly where you stand, including if we think you should not claim.
- 5No obligation. If you go ahead, one of us runs your claim from there.
Outside office hours? Start your claim online and one of us will be in touch.
What do clients say about Carter and Carter Solicitors?
Taken from Google, where you can read them in full.
“β¦Chris listened and helped me understand the situation more clearly, hugely reducing my anxiety. β¦ It is very difficult to find a trust worthy company that have your best interests at heart, but I found that in Chris⦔
“β¦After being served prawns at a restaurant despite clearly stating my allergy, I suffered a reaction leading to use of my epi pen. I reached out to four other solicitors, but all turned me awayβ¦ I had almost given up hopeβ¦ He guided me through the process every step of the way and secured a fair settlement with the restaurant⦔
Most law firm websites sound the same.
“Award-winning.” “Client-focused.” “Passionate about justice.”
Years of sales talk and small print have made people wary of personal injury solicitors, and we understand why. So we keep it simple. What we charge, who runs your claim, and the only two cases where you could pay are all on this page. You shouldn’t have to ring us to find out how we work.
We’ve done this since 2007, and our clients say so in 256 five-star Google reviews.
When you call, a solicitor answers or calls you back. That solicitor runs your claim. Start to finish.
If you want the detail
Questions about Carter and Carter Solicitors
Your claim
What claims does Carter and Carter Solicitors take?
Carter and Carter Solicitors takes no win no fee food allergy, accident at work, public place and needlestick claims for adults in England and Wales. It does not take road traffic claims or claims for children.
The full answer
Public place claims are for slips, trips and injuries indoors, in places such as shops, supermarkets and hotels. We do not take outdoor slips or claims about council pavements.
We need reasonable prospects of success to take a claim on. We only get paid when a claim succeeds, so we only take claims we believe in. If we think yours should not go ahead, we will tell you.
Someone told you no? If a solicitor turned your claim down, or closed it because they did not think it would succeed, we will take a free second look. We never take over a claim another solicitor is still running. More on our rejected personal injury claim page.
More on food allergy claims and nut allergy claims.
Do I need a local solicitor?
No. Carter and Carter Solicitors acts for people across England and Wales, wherever they live. Everything is done by phone, email and post, so you never need to visit.
“β¦I was concerned that the company was the other side of the country, but the entire case was dealt with either by post, website or email⦔
The full answer
We are based in Whaley Bridge, Derbyshire, and act for adults across England and Wales. Where the accident happened and where you live do not matter, as long as it was in England or Wales. If you need a medical report, it is usually a short video appointment with an independent GP.
How long do I have to make a claim?
Usually three years from the date of the incident. Carter and Carter Solicitors does not usually take on a new claim close to that deadline, so ring early.
The full answer
The three years can run instead from when you first knew the injury was caused by the incident. There are some exceptions, so call us if you are unsure. The rule is in the Limitation Act 1980, section 11.
We don’t usually take on a new claim close to that deadline, so ring early. Why we don’t take claims close to the time limit.
Fees and what you keep
How much will I keep?
You keep 90% of your compensation if your claim settles before court proceedings are issued, because Carter and Carter Solicitors’ fee is 10%, VAT included. Nothing to pay if your claim fails, except in two rare cases set out in the agreement.
“β¦I was updated as soon as anything change happen, all claim was done fast and very professional and I was charged only 10% – 100% recommended”
The full answer
Example: if your claim settles for Β£3,000 (before our fee) before court proceedings are issued, our fee is Β£300 and you keep Β£2,700. If court proceedings are issued, our fee is 25%. There is a fuller worked example of our fee in our guide.
What your claim is worth depends on your injury and how it has affected you, so we do not guess a figure here. On the first call we tell you honestly where you stand.
Court proceedings being issued means the claim is formally started at court, usually because the insurer will not agree. It is not the same as a hearing, and most issued claims still settle without one. About nine in ten of our successful claims settle before that stage.
Why 10% is possible: Most of our claims settle without going to court, so there is less work to pay for. And with just two of us running the firm, our costs are low. So we do not need to take 25%.
Nothing to pay if your claim fails covers almost every claim. The two exceptions, going against our written advice on an offer and not beating it, or a court finding the claim fundamentally dishonest, are set out in the agreement. You read it in your own time before you sign, and we answer your questions first.
Is there a catch with no win no fee?
The only thing Carter and Carter Solicitors takes from your compensation is its fee: 10% if your claim settles before court proceedings are issued, 25% if they are issued, VAT included. One thing to know: if you turn down a formal offer and then don’t beat it at court, the other side’s costs from then can come out of your compensation, and if you went against our written advice, court and barristers’ fees from then too. We warn you in writing before you decide.
The full answer
Insurance for the other side’s costs (after the event insurance): not with us. It is your choice, and for most claims we do not recommend it. Some firms add it to every claim. Ask before you sign. If you lose, the court’s rules usually protect you from paying the other side’s costs.
Every deduction is explained on our no win no fee hidden costs page.
How do I choose a no win no fee solicitor?
Compare four things: what you will keep in pounds, who will actually run your claim, what past clients say, and how often the firm handles this kind of claim.
The full answer
- 1What you keep. With us, 90% when your claim settles before court proceedings are issued.
- 2Who runs it. Chris Carter or David Healey, personally.
- 3What clients say. 256 five-star Google reviews.
- 4How often. Personal injury is all we have done since 2007.
Ask any firm you are considering the same four questions. There are eight more on our page on how to choose a no win no fee solicitor.
Who you deal with
Who will handle my claim at Carter and Carter Solicitors?
At Carter and Carter Solicitors, Chris Carter or David Healey runs every claim personally. One of them deals with your claim after the first call.
“β¦one of the larger Injury claim solicitors dumped my claim after sitting on it for 18 monthsβ¦ David accomplished more in the first month than the previous solicitor company had in the previous 18 months and has now won a settlement to my claim which I am very pleased with.”
The full answer
No junior or caseworker runs your claim. If your claim ever needs a final hearing, a barrister we instruct presents it, and we prepare you. Around 1 in 100 of our claims needs one.
Who answers when I call?
At Carter and Carter Solicitors, a solicitor answers or calls you back. Calls to 0800 652 0586 are free, Monday to Friday, 9am to 5pm.
The full answer
If neither of us can take your call, your details are taken and one of us will ring you back. You can also ask us to call you back using the form at the foot of this page.
About Carter and Carter Solicitors
Carter and Carter Solicitors is a firm of two senior solicitors running no win no fee personal injury claims for adults across England and Wales. Its fee is 10% of your compensation, VAT included, if your claim settles before court proceedings are issued.
Wondering if you have a claim?
You don’t need to be certain. You don’t need all the details. You just need five minutes and a phone.
Monday to Friday, 9am to 5pm. No obligation, and the call is free. Outside office hours? Start your claim online.
Prefer us to call you?
Leave your name and number and one of us will call you back. No medical details are needed to start.
Chris Carter: 01663 761891 Β· chris@candcsolicitors.co.uk
David Healey: 01663 761892 Β· dhealey@candcsolicitors.co.uk
You’re in Safe Hands. That’s Our Promise.
Carter & Carter Solicitors Limited is authorised and regulated by the Solicitors Regulation Authority (SRA number 449466). Registered in England and Wales, company number 06002212. Check the SRA register.
Small by Choice. Specialist. Senior. Personal.