JPS Financial PPI Claims

[Matt41]

Ok, thanks for your help, much appreciated.

[Matt41]

Update as of 20th April 2022.

I am waiting for the response for my SAR request from JPS but in the mean time i have received a letter this week from DBS debt agency requesting payment & the amount has gone up by £100?
I am confused with regards to the bill breakdown & the fact they are trying to bill me for things like £150 for emails sent? How do i challenge the bill with JPS or is it a case of i have to accept what it states?

[Matt41]

Bill breakdown…

-

Item	Price	Units	Sub Total
Initial administration	£150.00	1	£150.00
PPI questionnaire	£15.00	1	£15.00
Drafting initial claim	£50.00	1	£50.00
Letters to Creditor	£15.00	3	£45.00
Emails to Client	£15.00	10	£150.00
Letters to Client	£15.00	4	£60.00
SMS to Client	£5.00	10	£50.00
Attending Client	£15.00	1	£15.00
File review	£25.00	1	£25.00
		Sub Total	£560.00
		V.A.T.	£112.00
		Total	£672.00

[MIKE770]

some office jockey trying to play with crayons, seen solicitors pulled up in court trying similar and being lambasted by a judge, keep a copy of that as to if ever these people try it on later. keep copies all on file in date order.

[MIKE770]

EXC probably comment , but looking back the office jockey has sent one before on stating passing to !!!!

[DE DOGS]

Sorry, but what course of action can you take if no reply to the SAR request.

[MIKE770]

complaint to the Information commissioners office do it on line allow 30 but say 36 days if no reply then complain on the form on ICO site but do not tell JPS their problem.

[DE DOGS]

complaint to the Information commissioners office do it on line allow 30 but say 36 days if no reply then complain on the form on ICO site but do not tell JPS their problem.

Thanks, Mike I can put that one to bed. Information Commissioners Office SK9 5AF

[EXC]

Update as of 20th April 2022.

I am waiting for the response for my SAR request from JPS but in the mean time i have received a letter this week from DBS debt agency requesting payment & the amount has gone up by £100?
I am confused with regards to the bill breakdown & the fact they are trying to bill me for things like £150 for emails sent? How do i challenge the bill with JPS or is it a case of i have to accept what it states?

When did you send the SAR? They should have responded in 30 days.

I wouldn't engage with DBS yet but I don't know whether the 'debt' has been assigned (sold) to them by JPS or if they are just acting for JPS. Ultimately you'd need to know who owns the debt before challenging it. You could ask JPS.

At the end of the day you could always offer a couple of hundred quid to settle.

[Matt41]

This was the letter i received from DBS this week.
If i am able to challenge the bill & offer a few hundred quid to settle i think id be happy to do that just to finish this but not sure who i challenge JPS or DBS?

[EXC]

Well by the looks of that letter the 'debt' is still owned by JPS so it's them who you should be making an offer too. We don't want to challenge the amount of the invoice as such, just make an offer to settle, so I'd send them something like this:

Dear Sirs

I refer to the notice of debt recovery from DCBL for £752.64.

The sum relates to a PPI claim you attempted to make to Barclays some 5 years ago for which the bank refused to deal with you on the basis that the Letter of Authority that you had provided with the claim was ''invalid''. Clearly you were at fault.

Given the above it is my position that you had breached the terms of our agreement at that point as you were not capable of providing me with the claims management services you were contracted to supply.

However I would be prepared to offer you £200 in full & final settlement without admitting any liability whatsoever.


Yours

........

[Matt41]

Thank you for sending this.
Just to clarify, if my SAR was to show id actually signed a contract to instruct them on my behalf & i offer them the £200 based on the letter above. Where does this put me in legal terms if JPS do not agree or do not reply? Am i eventually looking at a court case?

[EXC]

I thought you did sign a contract to instruct them? Are you saying you might not have?

Either way they may not want to issue court proceedings for just 700 and as it was so long ago they might even be (or soon be) statute barred from doing so. What is the date of the letter you got from Barclays?

[Matt41]

Yes im 99% sure i did sign a contract. The letter from barclays is dated July 2016.

[EXC]

Ok so the limitations period is 6 years from the ''cause of action''. It's debatable when the cause of action was but I suspect it was around August 2016 which means it would become statute barred in about 4 months.

I'd still be tempted to send the offer now though, they can only say no.