Banksmart charges

[Gaynor64]

Re: Banksmart charges

EXC thank you

[Gaynor64]

Re: Banksmart charges

Hi EXC any spare time to help us sort this mess please xx

[EXC]

Re: Banksmart charges

I'll do it at the weekend.

Hi EXC have had a letter tday asking us to sign enclosed forms and to send back , they said they will put a ' hold ' on our account for 30 days , could you please draft up a complaints letter please ?
Kind regards
Gaynor xx

I'd like to see the letter and forms they sent you to sign. Can you send them to me at nickspooner@legalbeagles.info

[Gaynor64]

Re: Banksmart charges

Thank you EXC we appreciate this very much xxx

- - - Updated - - -

Will send later when finished working xx

[EXC]

Re: Banksmart charges

I got the letter & forms, thanks.

The forms are obviously the preliminary questionnaire for determining if you had any PPI that may be reclaimable. They don't relate to any specific claim.

On the letter it begins by saying ''Please find enclosed the replacement documents that you requested''. Then further on it contradicts this by saying ''We understand it can be frustrating completing these forms however it is a requirement of the lenders and the Claims Management Regulator requires that we follow their procedures, which can often mean the same form(s) needing to be completed at least once every 6 months so that they are up to date''.

Can you confirm that you didn't request the documents? (I'm sure you didn't but just want to be sure).

[EXC]

Re: Banksmart charges

Draft complaint.

Let me know if it's factually correct.

Formal Complaint

We wish to make a formal complaint for which I expect you to issue a final response to within the 8 weeks provided for under the complaints handling rules of the Claims Management Regulator and your own complaints handling procedures.

We would like to make clear that should we not consider our complaint to be fully resolved within the above timeframe we fully intend to take our complaint to the Legal Ombudsman.

The subject of our complaint is the invoice for £393 you are seeking payment of and for which you simply describe is for ''breach of contract''. We deny any liability to you in respect of the invoice.

As you will be aware we contacted you on 3 June requesting a copy of the alleged signed contact for which we have received no response.

However we did receive 2 sets of forms (your own PPI complaints form and the FOS PPI consumer questionnaire) for which your covering letter wrongly refers to as ''replacement documents that you requested''. We did not request these documents from you. The letter then goes on to state, again wrongly, that these forms are ''needing to be completed at least once every 6 months''.

It is our belief that you are engaging in a form of speculative invoicing similar to that experienced by other individuals at the foot of this complaint. We understand that the Claims Management Regulator is concerned with this issue.

In resolution of this complaint we expect you to cancel the invoice and issue us with a written apology for the stress and inconvenience you have caused and we wish to repeat that should you not do so within the 8 weeks time frame we fully intend to take the matter to the Legal Ombudsman.

Yours

Mr & Mrs xxx


''I've just received two invoices from Bank-Smart for £248.10 and £183.00. I made an initial enquiry about PPI claims way back in 2012 and did not pursue them further when Bank-Smart asked for my bank details. Alarm bells rang and I checked them out on google - which proved they seemed to be a questionable organisation and had taken funds out of peoples bank accounts for 'administration work done''.
http://forums.moneysavingexpert.com/...7&postcount=25

''We were contacted by these people over 2 years ago and they said we had taken out PPi which we told them we never did. Anyway they said it will not cost us a penny for them to investigate......now they want £395 !!!! I've sent them an email asking for a copy of the T&Cs as I found a court case on line, thrown out regarding Bank Smart due to ambiguity in their T&C's. It could set a precedence perhaps.
http://forums.moneysavingexpert.com/...5&postcount=23

''I have just received an invoice for £807.90 from Bank Smart, as they looked into PPI for me in 2012, no products where found, and they still want money, so much for 'No Win No Fee' ''.
http://forums.moneysavingexpert.com/...6&postcount=31

''Just spent more precious time on the phone thanks to Bank-Smart. Contacted Claims Regulation who took details then put me in contact with the Legal Ombudsman and finally Credit Services Association to lodge a complaint against MIL Collections. The Legal Ombudsman told me that they have had several complaints in the past few days about the very same thing. Bank-Smart randomly contacting past clients making demands for random amounts. £2461.50!!''.
http://forums.moneysavingexpert.com/...&postcount=143

They are now (in writing) accusing me of Breach of Contract for not signing Letters of Authorisation for them to proceed and have issued a hefty invoice for £750!!! Very Dodgy indeed. I expect that reading through all the comments posted on this site since 2009, there will be yet more hidden costs waiting to be sprung upon me!!
http://forums.moneysavingexpert.com/...&postcount=124

''Hi all, in the same boat as a lot of people on here. Just received a letter from Bank-Smart saying that I am in breach of contract as I have failed to provide some correspondence they required. Firstly I was on the assumption this was a" No win No fee" agreement, I have now been billed for a sum of nearly £400. Got into correspondence with this company in 2012 with no contact until now, so presumed my case was unsuccessful. Secondly I would like to know how this company was able to proceed with the search if they are awaiting a document from myself which is detrimental to the case and is now the cause of a breach of contract. I think "SCAM" comes to mind.''
http://forums.moneysavingexpert.com/...&postcount=132

I find myself in the same situation, In 2012 i was contacted by Bank Smart saying they could claim back my PPI. So i sent all the forms back and details that they asked for and waited, and waited, and waited and waited. Then they kept on sending through letters asking me for information that i had already given them, i ignored the letters, after a few more arrived i wrote back to them, and to make sure they got the letter i took o copy to their offices in Shelton street and put in in the letterbox (I only work around the corner) On Thursday of last week i received a letter telling me that i owe them over £500.00 for all the work they have carried out so far on my case, they are charging me for letters, and emails (Which i never received) this has caused my myself and my wife a huge amount of stress (I recently had a pacemaker fitted) and i don't know what to do, or who to turn to.
http://forums.moneysavingexpert.com/...&postcount=134

[Gaynor64]

Re: Banksmart charges

Hi yes this is totally correct , please help us xxxx

[Gaynor64]

Re: Banksmart charges

We thank you but do we send this ourselves or have you Nick ?
We are not very technical ? Please advise
Gaynor xx

[Kati]

Re: Banksmart charges

We thank you but do we send this ourselves or have you Nick ?
We are not very technical ? Please advise
Gaynor xx

I'm sure [MENTION=332]EXC[/MENTION] will be along soon but the complaint really needs to come from you xx

[Amethyst]

Re: Banksmart charges

If you check through and send that letter yourself to Bank Smart - it should put you in their complaints process which will mean you can take it to the LegalOmbudsman after 8 weeks (or their final decision)

Add you address and any reference numbers on to the header of the letter and send it by post.

I've removed your phone number from your post - I'm sure you get enough junk PPI & personal Injury calls as it is, you don't want more. (edit: Kati beat me to it )

[EXC]

Re: Banksmart charges

We thank you but do we send this ourselves or have you Nick ?
We are not very technical ? Please advise
Gaynor xx

Send it yourselves and include your Bank Smart ref number.

[Amethyst]

Re: Banksmart charges

Good news today for one BankSmart 'customer' - they have not upheld his complaint yet have offered to cancel the invoice and close the account. Which is a win in my book.

Gaynor have you heard anything back from your complaint as yet ?