Please help me. Homeless and PPI company threat with CCJ

[Shannon93x]

Hello, I’m really look for help and advice I suffer with mental health difficulties and can’t bring myself to call these people because of the huge anxiety they’ve just caused me. I sent paper work back to ‘your money claim’ after seeing an advertisement on Facebook and thinking they could help me with money front ppi Because my landlords were selling our home and I didn’t have money to move and I have a 1 year old. I sent them my banks details and my name and address and that was it, but I then ended up homeless and out of that address, still homeless now. Completely forgot about this company and PPI obviously as me and my son had no home. I’ve put my old sim in my phone to find texts from them saying they’re taking me to court with a CCJ because I didn’t sent the papers with my permission for them to speak to my bank and they deem this as breach of contract. But I didn’t receive any of this because I have no home? I don’t know what to do I’ve not received a penny from these people and I don’t have a penny to my name :’( please someone help me :’(

[Amethyst]

Personally I would just ignore them and concentrate on yourself and your son, but I understand the stress the threats are causing and that having a CCJ against you might hinder you getting back on your feet so we should write and explain your situation. Probably also ask them for copies of all your data they hold in case they do try to take it forward.

Have you got an address you can receive mail at?

How long ago did you sign up with them ? The letters of authority are normally required 6 monthly. Not many PPI claims would take 6 months now. Are you certain that you did actually have PPI on the accounts?
How many claims did you instruct them on and how much are they 'charging' you for 'breach of contract'?




For reference : These seem to be the clauses of their terms they are relying on.


The Client agrees:-

3.1 to provide Your Money Claim with their consent and full authority to deal with the Company on the Client’s behalf and to obtain available relevant information from whatever source by completing and signing the letter of authority.

3.2 to provide all available necessary and complete information and documents to Your Money Claim in order that Your Money Claim may assess and pursue any Claim and in so doing expressly warrants that all information and documents provided to Your Money Claim will be accurate;

3.3 to deal promptly, and in any event within 28 days, with all reasonable requests by Your Money Claim for authority, information, documents and further instructions that Your Money Claim may from time to time require. In the event the Client breaches this term and/or 3.4 and/or 3.5 below, the agreement will fall under term 6.4;

3.4 to promptly, and in any event within 28 days, inform Your Money Claim of any relevant matters affecting the Claim and forward any documentation from the Company in respect of the Claim;

3.5 to give Your Money Claim the right to deal exclusively with the Claim unless otherwise agreed in writing by the Client and Your Money Claim.

........

6.4 if the Client fails to remedy any breach within 28 days without good reason explained in writing, after being served with proper notice Your Money Claim will be entitled to cancel this Agreement and the Client will be liable for all Reasonable Expenses incurred by Your Money Claim in dealing with the Claim(s), which will be due and payable within 28 days of cancellation.

6.5 if Your Money Claim cancels the Agreement it will promptly notify the Client in writing and provide reasonable grounds and explanation as to the reason for cancellation. Your Money Claim will also provide the Client with an invoice to cover its Reasonable Expenses incurred for the work undertaken in processing the Claim(s) up to the date of cancellation which will become due within 28 days and payable by the Client to Your Money Claim.