Your farm is almost certainly owed money. Let's go and get it.
Almost every farm in the UK has paid hidden commissions on electricity, tractor and equipment finance, heating oil, farm vehicle HP, agri-loans and farm insurance — often for years. The broker pocketed the uplift; you paid it in the unit rate or the interest. The law says those commissions are recoverable. Typical Devon dairy farm recoveries run GBP8,000 to GBP80,000+. No upfront cost. We take a stated percentage of what we recover — and only if we recover.
Six places hidden commission has cost your farm money.
On-farm electricity & gas
Brokers have routinely added 0.3p–1.5p per kWh to farm supply contracts as undisclosed commission. On a 300,000 kWh dairy or glasshouse load that is recoverable at GBP4,000–GBP15,000 per meter, per contract period. The doctrine starts with Hurstanger (2007) and was confirmed for energy in Expert Tooling v Engie (Court of Appeal, 2024).
Tractor, combine & equipment finance
Tractors, combines, balers, foragers, mixer wagons, parlour equipment — any HP or lease introduced through a broker is a Johnson v FirstRand (Court of Appeal, 2024) fact pattern. Commission is recoverable where disclosure was inadequate.
Farm vehicle HP
Landrovers, pickups, farm vans and 4×4s financed through an intermediary. The same undisclosed-commission doctrine applies as to the consumer motor-finance cases currently before the Supreme Court.
Red diesel & heating oil
Broker-arranged rural fuel contracts where the unit price carried a retained margin above the wholesale index. Recoverable where the margin was not disclosed.
Agri-loans & commercial mortgages
Commercial mortgages, diversification loans and CBILS-era facilities arranged through packagers often carried introduction commissions disclosed only as 'may be paid' — the strongest Johnson-line fact pattern.
Farm insurance commissions
Farm, crop, livestock and plant insurance placed through a broker where the commission element was not stated. Year-on-year renewals stack the recoverable amount.
Four steps. No paperwork you don't already have. No cost unless we recover.
- 1
Tell us the basics
Farm name, approximate size, what energy / finance / insurance contracts are on the farm. Ten minutes on a phone call or a short email.
- 2
We audit under DSAR
We pull the supplier contracts, finance agreements and broker disclosures using data-subject-access requests. No burden on your admin.
- 3
You sign a short LOA
A one-page letter authorising us to pursue the claims. Stated fee. No lock-in. Terminable on reasonable notice.
- 4
We recover — you're paid
Recoveries land in the farm account. Our fee — a stated percentage of what we recover — is deducted on success. No recovery, no fee.
Built for farm books
We know the ag-broker landscape — AF, Mole Valley, GrainCo, NFU-introduced energy panels, tractor-dealer finance arms. We find claims in contracts that look routine and uncontested.
Every fuel and feed line scanned
Electricity, gas, LPG, heating oil, red diesel, and broker-introduced feed contracts all get checked in one pass. A recovery on any line pays for the others.
No cost, no risk to the farm
No upfront fee. No disbursements billed to the farm. We fund the claim work. Our fee is stated in the LOA and paid only on recovery.
Common questions from farmers.
- Usually no. Where commission was concealed, section 32 of the Limitation Act 1980 extends time — limitation runs from the point you could reasonably have discovered the concealment, not from the contract date. Expert Tooling v Engie (Court of Appeal, 2024) confirmed this applies to energy broking. We see claims reaching back to 2013–2015 on a regular basis.
Ten minutes to find out if your farm is owed.
Email us at farmers@refunds.energy or call 0330 043 0133. First response within one working day. We assess for free — you only hear from us again if there's a claim worth chasing.
In an IVA or post-insolvency situation? See the post-insolvency lane. An insolvency practitioner? See For IPs.