Charterhouse Claims

[Youngblood]

This company Charterhouse claims was employed to recover PPI on my behalf out of 7 claims put forward in 2012 only one was successful and l was heavily involved in negotiating the payments because the bank refused to deal with Charterhouse claims.

However when l got refunded a chunk of the money was used to payed off debt still owing on the accounts.

Charterhouse refused to allowed me to pay their fees of 30 % plus Vat base on money l actually received they wanted me to pay them from my pocket. I refused because this will would have put me out of pocket and at loss.

They end up taking me to court in November 2015 and got CCJ on technical ground. The judge ruled for them and told me off for signing the contract that is not negligible.

I made an application to pay by instalments and they accepted but l was surprised when l received an interim charging order with hearing listed for April 2016 and l also received a unilateral notice from land registry.

I initially try to get the CCJ set aside but l can't avoid the court fees so l decide to accept defeat and pay by instalments, but l guessed this vultures and opportunist company is after my house instead the debt stand at £2.288 and l reckon it will go up again and if they get their wish they can force me to sell my house that l have managed to keep with my blood and sweat for 20 years.

My son is disabled and lm worried sick. I cannot afford solicitor fees. Does anyone know how l can stop this mess from getting out of hand and spread to my other creditors pls help get this thieving companies off my life please.

[EXC]

Re: Charterhouse Claims

Hiya

Charterhouse's terms (like most CMCs) do say they'll charge you the full amount of commision where some of your compensation is set off againt your arrears with the creditor so it's unlikely you'll be able to get the CCJ set aside.

Can you give us the details of how much compensation you were awarded, how much went to your creditor, how much to you and how much was Chartehouse's commision.

I made an application to pay by instalments and they accepted

Could you post up the order/agreement and tell us if you kept up with the installments?

I'll ask [MENTION=6]Amethyst[/MENTION] to take a look.

[Amethyst]

Re: Charterhouse Claims

Morning.

Okay, the court has ruled against you, at a hearing. You can't set that aside, only appeal it. And time has passed for that. You can defend against the charging order being made final though.
The judgment is for £2.5k max, and you are paying installments - how much are you paying ? Have you missed any payments at all ? When in April is the hearing listed for?

The judge ruled for them and told me off for signing the contract that is not negligible

can you explain - not sure if you mean negotiable or illegible - negligible doesn't seem to make sense. Sounds like the Judge felt his hand was tied as they were waving about the signed contract and you didn't argue against the terms etc ? so his hands were tied in awarding judgment to charterhouse. But yes, you do have to pay the CMC commission if the refund goes to paying off your debt rather than coming to you in a cheque.

[Youngblood]

Re: Charterhouse Claims

Morning.

Okay, the court has ruled against you, at a hearing. You can't set that aside, only appeal it. And time has passed for that. You can defend against the charging order being made final though.
The judgment is for £2.5k max, and you are paying installments - how much are you paying ? Have you missed any payments at all ? When in April is the hearing listed for?

can you explain - not sure if you mean negotiable or illegible - negligible doesn't seem to make sense. Sounds like the Judge felt his hand was tied as they were waving about the signed contract and you didn't argue against the terms etc ? so his hands were tied in awarding judgment to charterhouse. But yes, you do have to pay the CMC commission if the refund goes to paying off your debt rather than coming to you in a cheque.

Morning,

Honestly l have no problem paying the charges it's just that at the time it seemed dumb idea to pay fees from my own pocket for a no win no fees
PPI claim. You are right the Judge wasn't sure who made that particular PPI claim but lm pretty sure l filed the PPI complaint before approaching Charterhouse for help with other claims. The judge only rule for them because l have contract with them that ties everything together. Anyway like you said l have got CCJ and charge order. I wasn't in arrears with payments but l guess they are just nasty people anyway, last time l spoke to Charterhouse staff l felt like strangling him through the phone. I'm angry at myself for allowing this to happen as l am capable of making this clams myself and was successful with every claims l made. When every claim Charterhouse made failed except for this one. I will pay them off but l used all my money to pay off arrears on the mortgage. Will they accept credit card payments at court l can get my friend to bail me out please find attachments

[Amethyst]

Re: Charterhouse Claims

You'd be paying Charterhouse direct, not the court... then you and Charterhouse would inform the court it has been paid in full, the interim charge will be removed ( Charterhouse will have to inform Land Reg ) and the CCJ will be marked as satisfied. So you will need evidence of payment.

( the payment will need to be the amount of the Judgment btw)

What was the actual circs of the amoutn paid off the loan. Was it future payments removed or defaulted loan repayment ? Just looking at terms....

Ahhh it was debt

However when l got refunded a chunk of the money was used to payed off debt still owing on the accounts.

In which case the below doesn't count. But useful to know for other cases.

7.1 The company’s service charge in relation to claims under the services above is 35% + VAT. For example, if the Company succeeds in obtaining Compensation of £1,000, the service charge would be £350+£70 VAT = £420.

Where your compensation includes an element of loan and future instalment reduction; our service charge will exclude the loan reduction element. For example, the total compensation of £1000 of which cash is £300 and the loan reduction is £700, the service charge would be £105+£21 VAT=£126.

Where you loan is in arrears our fee will be based upon the total compensation. For example, total compensation of £1000 used to offset arrears, the service charge would be £350+£70 VAT=£420.

The Client agrees that it is liable to pay the Service Charges to the Company if the Compensation is paid directly to the Client by the Third Party as set out below:

7.2. in relation to claims relating to PPIs, all Service Charges and other fees due to the Company under the Contract shall be paid by the Client within 10 working days of the Company’s invoices for such charges further to receipt of funds from The Third Party or (if stated) by such later date stated in the Company’s invoice;

7.3 When an offer for Compensation is obtained from the Third Party on behalf of the Client which in the reasonable opinion of the Company is fair and reasonable having regard to the relevant timescales, and is consistent with Financial Conduct Authority or Financial Ombudsman Scheme guidelines, and that offer is rejected by the Client then the Company reserves the right to charge a fee equal to the amount of the Service Charge which would have been payable in the event that the Client accepted that offer in line with the Company’s advice.

7.4 The Client agrees to pay to the Company the Service Charge and is deemed to have irrevocably accepted an offer of Compensation in cases where an offer of compensation, which in the reasonable opinion of the Company is fair and reasonable, and is consistent with Financial Conduct Authority or Financial Ombudsman Scheme guidelines, has been sent either by the Company or the Third Party to the Client, and the Client has not within 28 days of receiving such offer either returned to the Company, the Third Party’s acceptance form or a letter rejecting the Third Party’s offer.

7.5 In relation to DSAR Charges, the Client agrees to authorise the Third Party to deduct DSAR Charges payable to the Third Party from the Client’s account and/or card with the Third Party. Where there is insufficient credit in the Client’s account and/or card with the Third Party and/or the Company pays the DSAR Charges directly, payment for the DSAR Charges may be taken by the Company in accordance with Clause 7.2 or

7.6 as applicable. DSAR Charges shall not exceed £10 or the maximum fee permitted under the DPA as amended from time to time. The current fee is displayed on the Company’s website, www.charterhouseclaims.com.

[Youngblood]

Re: Charterhouse Claims

Morning,

Honestly l have no problem paying the charges it's just that at the time it seemed dumb idea to pay fees from my own pocket for a no win no fees
PPI claim. You are right the Judge wasn't sure who made that particular PPI claim but lm pretty sure l filed the PPI complaint before approaching Charterhouse for help with other claims. The judge only rule for them because l have contract with them that ties everything together. Anyway like you said l have got CCJ and charge order. I wasn't in arrears with payments but l guess they are just nasty people anyway, last time l spoke to Charterhouse staff l felt like strangling him through the phone. I'm angry at myself for allowing this to happen as l am capable of making this clams myself and was successful with every claims l made. When every claim Charterhouse made failed except for this one. I will pay them off but l used all my money to pay off arrears on the mortgage. Will they accept credit card payments at court l can get my friend to bail me out please find attachments

the hearing is on the 15 April 2016. Thanks

[Amethyst]

Re: Charterhouse Claims

Scary typo on the judgment order lol.

Have you made the £40 payments since the judgment ?

Those printed terms are insanely small.