You do not need to instruct CJS Solicitors (or any solicitor for that matter) to help you with your claim, but if you are not familiar with the process for this type of claim, then you may feel more confident instructing a solicitor to act on your behalf.
You can pursue your case through the Financial Ombudsman yourself but if you are not sure of the relevant legal submissions this can take time to progress and if you are unsure how to make your case to the Ombudsman and explain why your finance agreement was mis-sold, it is unlikely your claim will succeed. More information about the Financial Ombudsman can be found here.
Solicitors at CJS Solicitors will act for you on a no win no fee basis, meaning that you would only be liable to pay our success fee if your claim is successful. And you would pay us from your compensation at the end of your case, meaning you do not have to pay anything upfront.