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Thread: Peninsula Business Services and their trading practices

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  1. #26
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    Default Re: Peninsula Business Services and their trading practices

    I am bulding a website to warn people about signing contracts with peninsula. I need as much information as I can get

    - - - Updated - - -

    I need info on peninsula.i was tricked into signing a contract

  2. #27
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    Default Re: Peninsula Business Services and their trading practices

    I was tricked by them and I am still fighting them.they bleed a business dry. I have refused to pay them a cent.i fearvitvis going to be a long fight

  3. #28
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    Default Re: Peninsula Business Services and their trading practices

    That is my next port of call with the fsa

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    Default Re: Peninsula Business Services and their trading practices

    Post #23 Iron Man
    When Peninsula came out to see me and promised me a ton of things they would do to help me, which they eventually did not do, I video'd it. I have them on video, lying and miss-selling in their sales pitch, in probably the same vein as they did you.
    Little point in attending their seminars, they would simply have you evicted by the hotel or police called for breach of the peace which they would then probably ice-off with an Harassment Order.

    Peninsula must be dealt with in a more delicate and direct manner.

    It is not a surprise that Peninsula would sue you for the £10k, that is what they do. As mentioned in previous posts, you really do not have much of a defense against the PBS contract if your only argument with the Judge is that is is not fair. The devil is in the detail of the Peninsula contract. They key, as mentioned previously is that the Contract is not valid.

    There are numerous ways in which the Peninsula Contract could be argued as not valid, you just need to be prepared to argue that in front of a Judge and unfortunately, I have not met anybody who is prepared to do so. I am.

    Post #24 Benmore123
    Peninsula obtain the signing of their contracts legally, it's the basis under which their contract is considered as legally binding which is unlawful.
    Please PM me a redacted (personal details removed) copy of your contract and I will take a look. From what I am aware, the contract is a one page, two sided contract, so shouldn't take long.

    Post #25 Benmore123
    I have been down the FSA route also and it is, quite frankly, a waste of time. The situation is this:

    Peninsula are not a Legal Services Provider. They are a company selling an Insurance Product which is regulated by the Financial Services Authority (FSA) now the Financial Conduct Authority (FCA).

    The FCA have advised that they DO NOT regulate Peninsula in the capacity of Legal Services and advised to contact the Solicitors Regulation Authority (SRA) and The Law Society.

    The FCA also advised that if there was an issue with Peninsula's conduct in the performance of their duties that would not be a matter which falls within the scope of the FCA to regulate. Primarily due to Peninsula selling an Insurance Service and that their conduct is not related to a Financial matter, rather a Legal matter.

    As advised by the FCA, if there is a complaint to be made against Peninsula as a Financial Services Provider then the Financial Ombudsman (FO) would be the organisation to contact.

    With the merry-go-round continuing, the FO have stated that they are unable to address matters relating to 'Legal Conduct' and only address matters related to Financial Conduct.

    So, it appears that Peninsula are a Financial Services provider, and due to the issues of conduct being related to 'Legal' matters, both the FCA and the FO are powerless to act.

    It would seem obvious that the next point of contact would be the Legal Regulators, so lets see how that went:

    The Solicitors Regulation Authority (SRA) were contacted, only to be advised that they do not regulate Peninsula. The SRA advised to contact The Law Society and the Legal Ombudsman (LO). In an amusing twist the SRA stated that Peninsula were indeed regulated by the FCA, but we know that to be untrue from previous contact with the FCA.

    The Law Society was contacted, who advised that they were unable to assist with Peninsula as Peninsula are not regulated by The Law Society. The Law Society recommended contacting the SRA.

    Now we know what the results of the contact with the SRA were; not regulated.

    With the merry-go-round getting faster and the headache getting more intense, maybe, just maybe the Legal Ombudsman (LO) could help.

    The LO advised that they were unable to assist with matters relating to Peninsula as Peninsula were not regulated by the LO or the SRA. The LO advised to contact the SRA and the FCA.

    So, to summarize:


    1. The Solicitors Regulation Authority (SRA) state they do not regulate Peninsula.
    2. The Law Society state they do not regulate Peninsula.
    3. The Legal Ombudsman (LO) state they do not regulate Peninsula.
    4. The Financial Conduct Authority (FCA) are unable to address matters relating to Legal Conduct and are only able to address matters relating to Financial Conduct.
    5. The Financial Ombudsman (FO) also state that they are unable to address matters relating to Legal Conduct and are only able to address matters relating to Financial Conduct.


    What is clear then, is this:

    Whilst Peninsula conduct their 'Legal Activities' in the Courts of the UK, they are, in fact, completely un-regulated by any of the Legal and Financial Regulatory bodies of the UK.

    ----------------------

    The plot thickens however when you realize how they are able to trade:

    Peninsula are classed as an Alternative Business Structure (ABS), who trade under the Separate Business Rule (SBR). Definitions of the SBR from the SRA website are:

    The Legal Services Act 2007 allows non-lawyers to own and invest in law firms.

    "A separate business is a business, wherever situated, that is not authorised by the SRA or any other approved regulator under the Legal Services Act, but which has certain defined links to an SRA authorised person (body or individual). These links are that the SRA authorised person owns, is owned by, is connected to, or actively participates in, the separate business."

    Roughly translated, the SBR rule for ABS's allows non-authorised persons (non-regulated solicitors and other non-legal professionals) i.e. Mr Fred Done and Mr Peter Done, the MD's of Peninsula, to own a company trading within the Legal Services Sector, providing that at least one person on the board of directors i.e a regulated and qualified solicitor or other regulated legal professional is present in the company. That person is called the (Link).

    So, if you have a friend who is a regulated solicitor, you could, in theory, be the biggest crook going and legally setup your own Peninsula type company, sit on the board of directors and with zero experience of Legal Services, be in charge of your very own ABS trading legally under the SBR Rule where nobody can touch you. Interesting?

    The SRA continues to explain the SBR Rule further, stating:

    "A separate business is not regulated by the SRA. Instead the SRA regulates the links the SRA authorised person (such as a solicitors‟ firm, an ABS, or an individual solicitor) has with the separate business. Broadly, these separate businesses are those that specialise in providing non-reserved legal activities (such as drawing up wills, carrying out estate administration or providing general legal advice) or that purport to provide reserved legal services. Since a separate business is not authorised by an approved regulator, it is forbidden by the Legal Services Act from providing reserved legal services such as conveyancing, probate or litigation."

    It is clear that the 'Links' i.e. regulated persons (solicitors on the board) are regulated but not Mr Fred and Mr Peter Done, the owners of Peninsula.

    So, Peninsula is an ABS trading under the SBR Rules and according to the SRA, SBR's are only "businesses that specialise in 'non-reserved' legal activities (such as drawing up wills, carrying out estate administration or providing general legal advice)."

    Now, as stated above, "Since a separate business is not authorised by an approved regulator, it is forbidden by the Legal Services Act from providing reserved legal services such as conveyancing, probate or litigation."
    and we know Peninsula is an ABS trading under the SBR Rule as the two Directors of Peninsula Business Services, Mr Peter Done and Mr Fred Done are NOT regulated legal professionals,, notwithstanding the clear non-regulation of Peninsula by ALL Financial and Legal Regulatory bodies, namely, FSA, FCA, FO, LO, SRA and The Law Society therefore Peninsula MUST be an ABS trading under the SBR Rule.

    So the question has to be asked, if Peninsula are 'Litigating', and therefore performing a 'reserved legal activity', Peninsulas' apparent eligibility to trade under the SBR Rule is thrown into question.

    The SBR Rule came into force under the Legal Services Act 2007, in April 2012 and was up for review by the SRA in December 2014 (still yet to be decided) so anything in-between and prior to April 2012 is respect of validity of Contract, what you were sold and what you were promised is potentially open to question.

    ---------------------

    It would therefore be wise to assume that prior to April 2012, any and all Peninsula Company Directors could only have been Regulated-Professionals i.e. Solicitors, etc on account of the SBR Rule which was not in force at that time. Anything to the contrary could be a problem for Peninsula.

    I haven't checked Companies House, but that would be interesting.

    This rather interesting understanding of Peninsula theoretically nullifies any contract prior to April 2012 and certainly post April 2012.

    Put simply, any Contract that was sold to any one of its self-proclaimed 28,000 clients before or after April 2012 could possibly be unlawful and potentially open to re-course for losses, damages and behavior conducted by Peninsula in the course of the recovery of alleged sums due.

    -------------------------

    This information can be neatly tied into other important issues in which Peninsula are linked, namely, Irwell Insurance Company. Interestingly, both Mr Fred Done and Mr Peter Done are directors of both companies. One has to wonder if there is a conflict here!

    I will come onto that little gem in a later post.

    ------------------------

    There is much more information on Peninsula than this, this is just a mere snippet.

    ------------------------

    The key is, how to use this information to support and protect yourself.
    Last edited by leaflitter; 6th June 2015 at 23:16:PM.

  5. #30
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    Default Re: Peninsula Business Services and their trading practices

    @Benmore123

    Have a look at some information below which may help. Lots more coming.

    What;'s the website address? PM me if more convenient.
    Last edited by Amethyst; 9th June 2015 at 07:42:AM. Reason: tagged

  6. #31
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    Default Re: Peninsula Business Services and their trading practices

    thanks for all this info.
    however getting to the bottom of this seems very convoluted, I will send you my contract for you to look at , but as they have already gained a judgment its hard to move.
    They offered me a settlement of 3K because of my postings, but its literally money for nothing.
    Id rather fight them.
    They are clearly working a system by deception that seems almost legalised because of loopholes.

    It is also clear they are getting people angry because of their conduct.
    How should I get the contract to you?

  7. #32
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    Default Re: Peninsula Business Services and their trading practices

    Hi Iron Man, you can private message me your redacted contract and I will re-post for you, only if you want it posted.

    There are some interesting points to address with their Contract, it all depends on when you signed the contact with them as their Contract haa changed over the years.

    If you signed before the change happened then your contact could potentially be unenforceable and you may well be able to appeal the judgment and have it Set Aside on that basis.

    Hopefully we can get to the bottom of this. One you get your head around it, it's actually quite simple.
    Last edited by leaflitter; 8th June 2015 at 22:00:PM. Reason: Addition

  8. #33
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    Default Re: Peninsula Business Services and their trading practices

    Ok thanks again for the help I'll get that sorted in the morning, as I recall I took this one out in the fall of 2011 or there abouts.
    I will endeavour to copy said paperwork
    cheers once more

  9. #34
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    Default Re: Peninsula Business Services and their trading practices

    @leaflitter

    There is a copy of Benmore's contract on his thread xx I don't think it is complete although can;'t see any reference to terms on the reverse - it's a HR GEnius contract.
    “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

    Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

    Find Solicitors and Legal Services Providers offering fixed fees on our sister site - LBcompare.co.uk

  10. #35
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    Default Re: Peninsula Business Services and their trading practices

    Thank you I totally understand

  11. #36
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    Default Re: Peninsula Business Services and their trading practices

    Amethyst,

    Thank you for this. Based upon my experience with Peninsula, I agree with you in that the contract is not complete. I have seen documents from Peninsula which consist of two sides, the front which Benmore123 has supplied but the reverse usually contains the Small Print which takes up the entire reverse of the page.

    From what I can tell, the HR Genius Contract is only for HR Advice Services and not for Peninsula's Indemnity Insurance Policy which they subcontract to Irwell Insurance Company.

    What Iron Man appears to have is Peninsula's (Full Monty) Contract for HR Advice and Consultancy Services in addition to Insurance Indemnity Cover, although this is yet to be confirmed,; just waiting for them to send the Contract over.

    As a note, Peninsula started their HR Online Services recently which appears to be where they changed their business model. If someone could clarify what ones receives with this new HR Online Service, that would be fantastic.

  12. #37
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    Default Re: Peninsula Business Services and their trading practices

    My apologies I have been time restrained today and as such have not been able to forward the detail on, however I will push it for tomorrow. Many thanks

  13. #38
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    Default Re: Peninsula Business Services and their trading practices

    No problem. Whenever you have time.

  14. #39
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    Default Re: Peninsula Business Services and their trading practices

    We have contacted all posters in this thread privately to discuss their concerns. Contrary to the posted belief, we do want to assist and resolve the concerns raised. As the details to each case are sensitive we do not wish to do this on a public forum. There are a number of inaccuracies in the posted comments which are too numerous to detail. However, our contract of service has always been a one page document, there is no reverse page with small print on it. The “small print” or declarations as it is named consists of seven points (a) through to (g) and contains 231 words. This is located directly above where a client and a Peninsula Business Development Manager would sign.

    Should you wish to contact us directly to discuss and reach an mutually amicable agreement to resolve your issued raised please do so. As we take your concerns seriously we would like you to contact our escalations team in our Directors Office on directors.office@peninsula-uk.com we would need your real name and client account number. Without both of these vital details we cannot gain access to your individual situation.

    We understand from the comments we have reviewed that you may be sceptical of our motives, but I can assure you all we do want to help resolve the positions you find yourselves in, we fully accept our reputation on Legal Beagles is not the best and nor does it reflect the majority of our retained clients views on our services. However, we also want to turn around the posters in this forum, with your help I hope we can achieve this.

    Thank you.

  15. #40
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    Default Re: Peninsula Business Services and their trading practices

    Thanks for posting PBS. Could you take a look at one of the other threads on here with regards an HR Genius contract. I'll find a link for you. http://www.legalbeagles.info/forums/...103#post551103
    “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

    Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

    Find Solicitors and Legal Services Providers offering fixed fees on our sister site - LBcompare.co.uk

  16. #41
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    Default Re: Peninsula Business Services and their trading practices

    Certainly if you provide the link I will take a look.

  17. #42
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    Default Re: Peninsula Business Services and their trading practices

    “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

    Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

    Find Solicitors and Legal Services Providers offering fixed fees on our sister site - LBcompare.co.uk

  18. #43
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    Default Re: Peninsula Business Services and their trading practices

    Also, maybe you would be so kind as to explain your services and how it works - there do seem to be some concerns over legal advice and representation at tribunals, as I'm sure you have read.
    “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

    Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

    Find Solicitors and Legal Services Providers offering fixed fees on our sister site - LBcompare.co.uk

  19. #44
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    Default Re: Peninsula Business Services and their trading practices

    Thank you for chipping in Peninsula. I have seen contracts with small print. I will contact the person concerned and see if they can get them to you.

    I wholeheartedly agree with Amethyst and that an explanation of Peninsula's service and how it works, both past and present, would certainly be beneficial to the 4,000+ people who have viewed this thread. It would also be a good opportunity for Peninsula to demonstrate it's transparency as it seems to be operating a very unclear contractual business model.

    It is completely understandable that you wish to resolve these disputes with some of the customers/posters, privately, due to data protection matters, however the manner in which Peninsula conducts it's business should be transparent to it's customers and potential customers in accordance with the Legal and/or Financial Regulators with whom it should be regulated.

    This would be a perfect time to clear all the confusion up about your Services.

    Whilst you say that there are too many inaccuracies in previous posts to mention, it is simply not enough to say say and expect concerns or fears to be placed at rest, the previous posts seem quite clear in the questions that they raise...


    • Are Peninsula's eligible to trade litigate and perform 'reserved legal activities' as an ABS under the SBR rule as it appears that they are not, please explain?
    • Who actually regulates Peninsula from both the Legal and Financial Regulators, so that should people have a complaint, which you are unable to resolve, the correct regulator can be contacted, as it currently appears that nobody regulates your activities and it seems fair that you are transparent in all matters of your business - there are too many people complaining about 'i didn't sign for that'.
    • What are your customers actually buying from you, a Legal Package and/or a Financial Product?
    • I know that when people have asked Peninsula to use specific solicitors, Peninsula have refused, insisting that they are not able to use anyone but Peninsula's own legal company, Irwell Insurance, yet an article by UK Lawyers, Pinsent Masons quote The Insurance Companies (Legal Expenses Insurance) Regulations 1990, Regulation 6, states:


    Where under a legal expenses insurance contract recourse is had to a lawyer (or other person having such qualifications as may be necessary) to defend, represent or serve the interests of the insured in any inquiry or proceedings, the insured shall be free to choose that lawyer. The insured shall also be free to choose a lawyer (or other person having such qualifications as may be necessary) to serve his interests whenever a conflict of interest arises.


    • How does your Insurance Indemnity Policy actually work?
    • Why does your Contract not have any cancellation clause?
    • Are your legal people experienced and qualified?


    These questions are applicable to both HR Online and Previous Peninsula packages which include your Insurance Indemnity Package.

    There will of course be many more questions which people will need answered before they can be happy.

    It is really important that we try and work together to understand the services your offer.

    My major concern with these postings which are posing genuine queries and problems, are that everyone has their price, which is completely understandable. Permanent settlement of these 'issues' behind the scenes, which may involve monetary solutions will not persuade Peninsula to answer any questions and pave th way for the next wave of unhappy customers with exactly same problems.

    Peninsula and Irwell Insurance, who are both directly linked, are simply Finance and Insurance Companies and not Legal Companies, whose business model works the same way in which Insurance Companies settle their claims and the same way in which Peninsula settle their Employment Tribunals, not on Legal Merits of the case, but a financial level of risk to Peninsula. Throw enough money at the problem and it will go away. The needs of the Few (Complainants) are paid for by the needs of the Many (Remainder).

    With that in mind, I fear that these questions will remain unanswered by Peninsula, which helps nobody.
    Attached Files Attached Files

  20. #45
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    Default Re: Peninsula Business Services and their trading practices

    I must wholeheartedly agree with the a afformentioned comments.
    as I have replied to your post in private, I must point out that that post will be made public on this forum to show others what comes of your resolution if it continues as it always has, that being ' no resolution' however I am prepared equally to show my etiquette by balancing the correct response.
    Business must be honourable to their clients as well as vice-versa. I was honourable and pbs have not been in my case.

  21. #46
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    Default Re: Peninsula Business Services and their trading practices

    An update on the HR Genius case - http://www.legalbeagles.info/forums/...iness-Services
    “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

    Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

    Find Solicitors and Legal Services Providers offering fixed fees on our sister site - LBcompare.co.uk

  22. #47
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    Default Re: Peninsula Business Services and their trading practices

    Quote Originally Posted by Benmore123 View Post
    Yes I know about them and their underhand methods of obtaining contracts. I was tricked into signing a contract and am having greet difficulty getting out of it.peninsula are in it for the money and bleed small businesses dry.be careful when dealing with them they are nasty
    me too. i was told i had a 14 day cooling off period

  23. #48
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    Quote Originally Posted by Benmore123 View Post
    Yes I know about them and their underhand methods of obtaining contracts. I was tricked into signing a contract and am having greet difficulty getting out of it.peninsula are in it for the money and bleed small businesses dry.be careful when dealing with them they are nasty
    yes same here

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    I'm also having issues with this company. I paid upfront for 12 months. It became very evident very quickly that they weren't as efficient as the sales pitch suggested. I instructed another hr company within 6 months of being with pbs. Theyre now chasing me for payment as I didn't cancel 6 months before the initial term elapsed which was 12 months. I didn't cancel it because the salesman told me the cancellation wouldn't apply to me because I was paying up front and they would have no way of taking the money as there was no direct debit in place. I've now had the summons and I'm determined to have my say as surely a verbal instruction is part of a contract. The stress of all this is beginning to take its toll and I really feel victimized. Do I fight them?

  25. #50
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    Default Re: Peninsula Business Services and their trading practices

    Do you have a copy of the contract to upload? Don't forget to redact your personal information.

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