Is this a group action?

No. Each person keeps their own case, their own fee agreement and their own compensation. A group action is a separate procedure, brought by a qualified claimant on behalf of several people.

Who decides to open a series?

Hello Justice decides, after checking that the law is sound, that many people are affected, that the claim is not time‑barred and that the defendant can pay.

How long do proceedings take?

Usually two to four years, sometimes longer, appeals included.

What happens if the case is lost?

You repay nothing to Hello Justice. Hello Justice bears the fees paid to the lawyer, and the commission is only due in the event of success. Outside the Swiss franc loan programme, the analysis fee, due whatever the opinion, is not refunded.

Serial litigation.

When the same contract, clause or practice has harmed many people, Hello Justice funds their cases individually. Each person keeps their own case, agreement and compensation.

Test my eligibility Swiss franc loan

A conference hall and its moving audience.

What we fund.

A loss of a few thousand euros does not, on its own, justify going to court. Handled as a series, similar cases share the same standard documents and the same analysis work, which lowers the cost of each one.

Foreign‑currency loans
Swiss franc home loans whose exchange clause may be held unfair.
Unfair terms
A standard clause, repeated in thousands of subscription or credit contracts.
Charges and billing
Undue bank charges, energy or telecom over‑billing.
Personal data
A data breach affecting the customers of one company.

Now open · with ACTIVE AVOCATS

Swiss franc loans.

Run with ACTIVE AVOCATS, a firm of the COGEP AVOCATS group, the open series covers Swiss franc home loans taken out between 2002 and 2015. On 9 July 2025, one of two published Cour de cassation rulings opened unfair‑terms protection to borrowers paid in Swiss francs. This is recent case law, liable to change. Hello Justice estimates that around 50,000 cases are eligible.

This programme charges no analysis fee. Checking the case costs nothing. If the case is accepted, the client pays €300 incl. VAT when the summons is issued against the bank, for the procedural costs (stamp duty, judicial officer, local counsel). Hello Justice covers 100% of the lawyer’s fees, whatever the amount borrowed, at first instance as on appeal, local counsel before the court of appeal included, and the client pays the €225 appeal duty if there is an appeal. Only if the case succeeds, a success fee of 14% incl. VAT is due on the sums recovered and on the saving obtained on the outstanding capital. If the case fails, the client repays nothing to Hello Justice.

Legal grounds and case law.

The statutes and court decisions these cases rely on.

French Consumer Code, art. L. 212-1 and L. 241-1: In a consumer contract, a term that creates a significant imbalance between the parties’ rights and obligations is unfair. It is deemed unwritten.
Cass. 1st civ., 9 July 2025, no. 24-19.647: Foreign‑currency loans: a clause that places the exchange risk on the borrower may be held unfair, and that risk is assessed over the whole term of the contract. This is recent case law, liable to change.
GDPR, art. 82 · CJEU, 4 May 2023, C-300/21: Anyone who suffers damage from an infringement of the regulation is entitled to compensation. Non‑material damage is compensated without a seriousness threshold, provided it is proven.
Law no. 2025-391 of 30 April 2025, art. 16: The first French statute to refer expressly to third‑party litigation funding, allowed for group actions subject to transparency and independence.

What the analysis checks.

Hello Justice opens a series when the law supports it and there are enough cases to share its cost. A specialised partner lawyer then analyses the eligibility of each case. Not every case is accepted.

A common, documented breach: the same clause, the same security flaw or the same billing practice.
Many people affected by that same breach.
A quantifiable loss for each of them, even a modest one.
A claim that is not time‑barred.
A defendant able to pay all the awards.

Funding for your case.

The Swiss franc loan programme has its own terms, set out above. For any other case, the price is that of any dispute Hello Justice funds.

Your case.
Outside the Swiss franc loan programme.
€1,500 excl. VAT
The case analysis, that is €1,800 incl. VAT, due whatever the opinion. You receive a written report and a funding opinion.
- Eligibility test and case submission
  Free
- Proceedings
  Hello Justice pays your lawyer’s fees
- If the case succeeds
  30% of the sums recovered
  This commission includes VAT for an individual and excludes VAT for a business. Its rate is set before any commitment.
- If the case fails
  Nothing to repay to Hello Justice
Test my eligibility

Illustration of the analysis report: the amount at stake, the other side’s solvency, the length and cost of the proceedings, then the written funding opinion. Illustrative data

Frequently asked questions.

Ask another question

Take the eligibility test and describe your situation. If a series is open for your dispute, your case joins it. If not, your report helps Hello Justice spot a possible series, with no commitment on your part.