LOA

[Winkingholes]

Hi ,

I stupidly signed with a CMC a while ago. I heard nothing from them and then out of the blue got a letter from the bank stating they had received my complaint and were looking into it. They also stated that as the LOA I had signed for the CMC was over six months ago they couldn’t verify that I still wished them to represent me and would now deal with me directly and they had informed the CMC of this. One week later they sent a cheque telling me that my claim had been successful. Two days after this the CMC sent a letter stating “the bank had changed its policy and I need to sign another LOA” . My question is what is the best thing to do here:

1) contact CMC and tell them that I had been paid out and pay?

2) bank cheque and ignore?

please help!

[EXC]

It very much depends on the wording of the original LOA and the terms of the contract. If you could tell me who the CMC is I may be able to advise.

[Winkingholes]

The CMC is Chandler Simmons

[EXC]

I take it this was for a packaged bank account claim?

Their T&Cs aren't clear on the length of time an LOA is valid. Most banks will require an updated LOA every 6 months so I think you could maybe argue that as the LOA has expired, so has the contract and that signing a new LOA is entering into a new contract which you have a right not to.

But it may depend on the wording of the LOA itself. Do you have it?

[Winkingholes]

Hi thanks for looking into for me.

no this was a PPI claim I sent them all the documents over a year and a half ago. Attached is the terms from the bottom of the letter I do have a picture of the whole LOA but don’t know how to remove the personal info from it

[Aged William]

I do have a picture of the whole LOA but don't know how to remove the personal info from it

Try covering it with post-it notes then taking a photo.

[Winkingholes]

Ok managed to do some electrickery on it see attached.

[monsal]

Sorry, this is no help at all, but I hadn't heard of this company before. They appear to be a Trading Style of an Estate Agent.......which says it all really.

[EXC]

Ok managed to do some electrickery on it see attached.

Ok thanks.

I would be tempted to ignore their request for you to sign the new LOA but if they get shirty come back and I can draft a letter of complaint for you.

[Winkingholes]

Thank you for this. It was the conclusion I was coming to, but read things about people getting bills for breach of contract and other nasties. Will come back if I hear any more from them.