JPS Financial PPI Claims

[Matt41]

Ok yes i think its worth a try so i will see what happens. Thanks again for your help & advice here.

[Matt41]

Hello,
so ive sent off the letter with the offer, so just waiting to hear back probably a week or so. In the mean time should i be talking to the debt company so they know im in contact with JPS or should i leave it? & how long will a debt company chase me for payment before this escalates further?

[EXC]

I suspect JPS will respond pretty quickly if they think there's a chance you'll give them some money! The debt company won't (and can't) do anything beyond sending you snotty letters so I wouldn't worry about them in the meantime.

[Matt41]

Good morning,

i have had a response from JPS but not in writing but will see if they do send anything back through the post in the next week. They have left me a voice mail stating they have received my letter but they didn't say anything about calling them or anything? What do you advise i do here? Call them or wait to see if i receive a written reply?

thank you.

[EXC]

I wouldn't speak to them, keep everything in writing. If they haven't written in a week or so write to them with a chaser.

[Matt41]

Hello,

So i have a response from JPS whch came today.

[EXC]

I would respond with the following:

Dear Sirs

Thank you for your response, on which I have sought advice.

An initial LOA is in itself a contractual agreement. As the initial LOA in this matter was by your own admission, invalid, no binding agreement was ever struck and any ''new'' LOA you wished me to sign would be entirely optional and at my discretion to sign. As such, there was no agreement for which I could breach.

I understand that this is position has been widely adopted by the Financial Ombudsman Service and so I am confident that ultimately, should you persist to argue otherwise, I would succeed in bringing a complaint to them.

Yours

...

[Matt41]

Thank you for this, i will send that off to them & see what they say.
Should i make a complaint to the financial ombudsman anyway or is it best to wait for a response?

[EXC]

You can only file a complaint with FO once you've made a formal complaint to the firm and they've issued their final response. Let's see how they respond to your response before we decide whether to make a formal complaint and how we draft it.

[Matt41]

Hi,

I have realised my letter to JPS for a subject access request was not posted hence me not getting a response! Should i send this off as well as the response to the recent letter i received from JPS?

[EXC]

Yes it wouldn't do any harm.

[Matt41]

Hello,

I've had my response today from JPS.
A couple of things to note; The enclosed contract which i signed is dated 11 May 2016? & im waiting for my subject access request letter to be answered (was posted on 10th May 22)

[EXC]

Jeez they can hardly string a sentence together.

Why is it of note that the contract is dated 11 May 2022? I'd like to see it if you can send it to me at nick@legalbeaglesgroup.com

We need to see the original Letter of Authority but we should get it in the SAR response.

[Matt41]

Yes i can send the letter on to you. The reason i say about the date is that you said about statute barred after 6 years? We have gone beyond the 6 year period of when i signed the contract. Im not sure what that means for me in terms of having to cough up the final bill or not.

[EXC]

It's 6 years from the cause of action. That's going to be debatable when exactly that was but I suspect it might be at the point Barclays wrote to you saying the LOA was invalid in July 2016.