Cento Client Review ( CCR Claims ) Client connection Ltd

[EXC]

Re: Cento Client Review

A lady called me today from Cento and told me that I'll be getting a full refund as I was well within my cooling off period and will call me tomorrow to get it authorised and retuned back to my credit card (I had to give them the card details again) She said she cant do it as the other department has the PDQ machine plus it also needs authorising.

Eeek. The cynic in me would ask why she needed the card details before the refund has been authorised.

[kitesurfer]

Re: Cento Client Review

Update on this situ.
A lady called me today from Cento and told me that I'll be getting a full refund as I was well within my cooling off period and will call me tomorrow to get it authorised and retuned back to my credit card (I had to give them the card details again) She said she cant do it as the other department has the PDQ machine plus it also needs authorising. She also asked me to give her an explination as to why I wanted to cancel and asked did the bank contact me?....I just told her that it was my right to cancel.
She also said that I wont be able to get the money back from the cheques that I sent to the lenders for info but I wasn't worried about that as I cancelled them before they had even been processed as the guy in the bank told me that they had not been cleared yet.

If they stick to their word, then this would be a positive for Cento.....I'd like to leave it on a positive note, as this as had me in a right state.
Huge thanks to Ame for calling them.

[Amethyst]

Re: Cento Client Review

OMG they charge that fee AND make you write your own £1 and £10 cheques for the DPA and CCA requests. They really are a right shower. I'd contact the banks/lenders and make sure they know you revoke any authority for Cento to act for you.

What EXACTLY as far as you recall did Cento say they would be doing for the £299 and what extra for the £1550 ?

Look at a c/card statement with PPI on ... how much a month PPI were you paying ? how long had you paid it for ?
Did they go through reasons why you may have been missold PPI ? eg are you self employed and it doesnt cover you etc.
On your loan - do you have the agreement? how much was the PPI on it ?

Did they say why they thought you may be able to wipe your c/card/loan balance entirely ? They are both with lloyds - I dont know of any unenforceable lloyds agreements think they were always pretty good at following the regulations.

Give cento 14 days then if you hear nothing start a section 75 claim through your credit card to get the fees back.

Then if you want to reclaim your PPI and late payment charges we'll help you (will be a matter of sending a couple letters)

Writing off the loan is exceeeeeedingly unlikely but we can get a CCA request off to them to have a look - if you dont have the agreement we'll probably need it for the PPI figures anyway.

Are you having problems paying the loan/card ?


Oh also, have emailed Ryan with your info and he knows to expect your documents cancelling the agreement. Also asked him to get his compliance officer to check the call recordings and sort out his sales team.

[kitesurfer]

Re: Cento Client Review

I've sent everything back and photocopied all documents.
Been to the bank to cancel all the £1 and £10 cheques to all the lenders, they were very understanding as they would usually charge £10 per cancelled cheque, there was about 7 or 8 cheques.

Thanks again for your advice, it eases this situation.

It appears I have an insurance on the credit card I paid them with, now so I contact them for the refund or wait for Cento to do it?

Re: Cento Client Review

It would not do any harm, in addition you have I gather given your personal information to Amerthyst for her to contact Cento and also attack this from our end. Our aim is to obtain a full refund and get a result ASAP for you.

Thanks Tuttsi, I'll do that.

Now running to the Post Office, do I need to call them and let them know?

[kitesurfer]

Re: Cento Client Review

Thanks Tuttsi, I'll do that.

Now running to the Post Office, do I need to call them and let them know?

To be honest I am not sure but it would do no harm to send everything back. Just keep copies for your records IMHO.

Re: Cento Client Review

To be honest I am not sure but it would do no harm to send everything back. Just keep copies for your records IMHO.

Just a letter or everything I have from them?
Thanks

[kitesurfer]

Re: Cento Client Review

Just a letter or everything I have from them?
Thanks

Send the letter by special or recorded delivery

Re: Cento Client Review

Send the letter by special or recorded delivery

[kitesurfer]

Re: Cento Client Review

Hi Amethyst,

Yes, I have PPI on one of the cards and on a personal loan.
And yes I have paid the £299 and £1550 on the card which has the PPI on, the other card does not have PPI.

They said they could zero all my cards by using a term I cant remember, I've been trying to google it.

Lenders:
Lloyds TSB: Loan
Lloyds TSB: Mastercard
Above have PPI
Capitol One: Mastercard.

I had already sent back most of the pack with all the relevent things signed and filled out.
I only have their letter of terms, another one saying thanks for taking the time to talk to one of their advisors and a check list.

Cheques have been sent as well made out to all my lenders. I will cancel these today.
I will PM you now

Thank you

If you want to cancel send the pack back by special delivery and send me a pm with your name, address, phone number and the reference number from the pack/letter and I will TRY and get some answers from Ryan Stanton.

How did you pay the £299 and the £1550 - was it with the cards you are wanting to try and get cleared ?

Did you have PPI on the cards ? What reasons did they give you for being able to reclaim it ?

Which lenders are the cards with and when approx did you take them out ? (so we have an idea if there might be any likelihood that they could be written off)

What did they say the £1550 was to pay for ? (I.e. when you say they knew their stuff what did they tell you)

------------------------------- merged -------------------------------
I tried to email them last night, but surprise, surprise, it bounced back......yep, I know this will make everyone on here think 'what a muppet' but this company really caught me in my hour of need.
I'm truely feel stupid and had.
I've composed a cancel letter and i'm going to the PO now and will send back all their paperwork, I have another card (MBNA) which has no PPI and only took out last year, I did not send the claim form for this back as called them and told them about this being a new card and having no PPI, they did say they could not do anything with this one.
Thank you

Hi Kitesurfer

Cento's T&C's state 14 days to return the pack. Hence you have already returned the pack signed but are still within the 14 days. But you obviously still need to advise them that you are cancelling the contract and want your money back. I have also posted here about cooling off periods FYI.

Please send them an email imediately as well as contacting your credit card provider as under section75 they maybe able to refund this directly back to your card. I have seen this by some others who have been sucessful this way. I must say you were very brave in parting with such huge sums of money, they must have really convinced you.

Please keep us informed of all developments and PM Amethyst with the information she has requested so she can in addition take up your complaint directly with Ryan Stanton, Director of Cento.

Tuttsi


Please read here about cooling off period.

http://www.businesslink.gov.uk/bdotg...mId=1073792577

Distance selling and online trading

The cooling-off period and cancellations

When selling to consumers by mail order, phone, fax, internet or digital TV you must give them a cooling-off period during which they have an unconditional right to cancel the contract.
In the case of services, the cooling-off period normally ends seven working days after the day the order was made - or after written confirmation is received.
In the case of goods, the cooling-off period normally ends seven working days after the day the goods are received.
Consumers must inform you in writing - by letter, fax or email - of their decision to cancel.
Consumers' money should be reimbursed as soon as possible - and in any case within a maximum period of 30 days.
Your contract with the consumer should also specify who pays any postage necessary to return unwanted goods.
However, there are some exceptions to the right to cancel. Consumers can't cancel if the contract is for:

You have every right at this stage to have your money returned to you if that is your wish.

Re: Cento Client Review

Hi Kitesurfer

Cento's T&C's state 14 days to return the pack. Hence you have already returned the pack signed but are still within the 14 days. But you obviously still need to advise them that you are cancelling the contract and want your money back. I have also posted here about cooling off periods FYI.

Please send them an email imediately as well as contacting your credit card provider as under section75 they maybe able to refund this directly back to your card. I have seen this by some others who have been sucessful this way. I must say you were very brave in parting with such huge sums of money, they must have really convinced you.

Please keep us informed of all developments and PM Amethyst with the information she has requested so she can in addition take up your complaint directly with Ryan Stanton, Director of Cento.

Tuttsi


Please read here about cooling off period.

http://www.businesslink.gov.uk/bdotg...mId=1073792577

Distance selling and online trading

The cooling-off period and cancellations

When selling to consumers by mail order, phone, fax, internet or digital TV you must give them a cooling-off period during which they have an unconditional right to cancel the contract.
In the case of services, the cooling-off period normally ends seven working days after the day the order was made - or after written confirmation is received.
In the case of goods, the cooling-off period normally ends seven working days after the day the goods are received.
Consumers must inform you in writing - by letter, fax or email - of their decision to cancel.
Consumers' money should be reimbursed as soon as possible - and in any case within a maximum period of 30 days.
Your contract with the consumer should also specify who pays any postage necessary to return unwanted goods.
However, there are some exceptions to the right to cancel. Consumers can't cancel if the contract is for:

You have every right at this stage to have your money returned to you if that is your wish.

[Amethyst]

Re: Cento Client Review

If you want to cancel send the pack back by special delivery and send me a pm with your name, address, phone number and the reference number from the pack/letter and I will TRY and get some answers from Ryan Stanton.

How did you pay the £299 and the £1550 - was it with the cards you are wanting to try and get cleared ?

Did you have PPI on the cards ? What reasons did they give you for being able to reclaim it ?

Which lenders are the cards with and when approx did you take them out ? (so we have an idea if there might be any likelihood that they could be written off)

What did they say the £1550 was to pay for ? (I.e. when you say they knew their stuff what did they tell you)

[kitesurfer]

Re: Cento Client Review

Hi leagal beagles,

I'm now in a cold state of sweat reading these posts.....had a call from these guys a about a week ago and parted with £299.99 as I had PPI on a credit card and personal loan......today parted with another £1550 to cover their 30% fee of clearing my two credit cards.....I'm in day 11 (12 tomorrow) of my 14 day cooling off period, can I cancel it all tomorrow???....this is really bad news, I thought these guys knew their stuff.
I've sent back their pack and signed all the stuff.
Do I still have a leg to stand on??

I hope you can help

Huge thanks

[ratty]

Re: Cento Client Review

thanks again !!!!!!!!! ratty.

Re: Cento Client Review

Fanststic Ratty - really pleased for you and thank you Cento for keeping your word and Ame for dealing with this.

Tuttsi