Cento Client Review ( CCR Claims ) Client connection Ltd

[kevcroft]

Re: Cento Client Review

what do you do after the agreements are in your possession
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thanks guys this info is encouraging and helpful i was told by cento that they will contact me on friday to see wether i am interested in paying the £149 and starting the claim i wont be paying now thanks to you guys and all your help

[LuggerBugs]

Re: Cento Client Review

Hi KC. Best to sit down and work out what loans etc you have now, or have had in the past. For any paperwork you already have, get yourself a folder per company.

You might already be able to see straight away if there is any insurances that are claimable. Otherwise, you'll need to do as Tuttsi mentioned, and request the paperwork from the original lenders.

Perhaps start an initial thread with a list of all your lenders, and we can help you weed through them as and when you know what you are dealing with. We can help with letters to write, and what questions to ask.

A couple of things though. Not all PPI is a bad thing. NEVER give out personal details of any sort to a cold caller, especially financial info. I won't say never go to a company that handles these types of claim, but I will say that the process is so simple, you needn't be handing over upwards of 20% of a claim for something that you can very easily do yourself.

[Mochamoo]

Re: Cento Client Review

Hey Kev,


Do you want to start a thread in here PPI - payment protection insurance - Legal Beagles

and have a read of this whilst your waiting for help! Legal Beagles

give as much info as possible so we can help you easier x
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Sorry Tuttsi, crossed posts - I write slow lol

1, where do you start to find out if you have been misold certain agreements ie.mortgages,credit cards, loans Do you have your agreements?

2, when you find out how do you go about starting the claim

Once you have a copy of your agreements and bank/credit card statement.

If you do not have copies of the loan agreements you may have to send an SAR to any of the companies that you had loans with which costs £10 for each company to request this info.

Please have a read here http://www.legalbeagles.info/forums/...play.php?f=242

[kevcroft]

Re: Cento Client Review

1, where do you start to find out if you have been misold certain agreements ie.mortgages,credit cards, loans

2, when you find out how do you go about starting the claim

Re: Cento Client Review

thanks tuttsi i need help alot of help

You are very welcome.

Fire away with any question and if you need any pointers we will help you all we can.

Tuttsi

[kevcroft]

Re: Cento Client Review

thanks tuttsi i need help alot of help

Re: Cento Client Review

Hi Kev

Firstly, welcome to Legal Beagles.

Did you ask them where they obtained your telephone number?

How do Cento know if you have an excellent chance of winning if they have not seen your agreements, credit, bank, mortgage statements etc?

Did they not advise you that at the second stage when they refer your papers yet to another claims management company there would be a further fee to pay in addition to the 30% you are going to sign away?

Did they explain what would happen if they needed to take any of these companies to court, who is responsible for the court fees and if you lost?

At present many claims are held up in the court systems with reference to bank Charges and loan agreements.

But as far as Credit Card, PPI if mis sold is easilly sorted.

Everything they said they can do for you for a costly fee can be done on here for free and you are in control of your personal data.

If you take a look round the forums and start a thread in the relevant section we will give you all the help you need.

Please take time to look round the forums and if you need help just shout.

Tuttsi

hi new to this stuff was contacted by cento on wednesday after the guy named gareth davis informed me of all the stuff i could claim against (car loan, mortgage existing and old, credit cards secured loans )he then went on to tell me that i had a excellent chance of winning my claim also stating that if any discrepencieswere found the loan or the mortgage would be written off, there will be a fee to be paid up front of £149 they will do everything needed to complete my claim upon completion the would receive 30% of the compensation as their fee anyone else had this are they able to do this

[kevcroft]

Re: Cento Client Review

hi new to this stuff was contacted by cento on wednesday after the guy named gareth davis informed me of all the stuff i could claim against (car loan, mortgage existing and old, credit cards secured loans )he then went on to tell me that i had a excellent chance of winning my claim also stating that if any discrepencieswere found the loan or the mortgage would be written off, there will be a fee to be paid up front of £149 they will do everything needed to complete my claim upon completion the would receive 30% of the compensation as their fee anyone else had this are they able to do this

Re: Cento Client Review

Hi Linda

2. Legal redress are a financial institution who use panels of people including solicitors who undertake work - some of which relates to PPI

I agree with Amethyst why have they changed from Forbes?

Also, is it the same scenario that they originally said Forbes were solicitors, then it appears they are definately not and neither do they have an in house solicitor dept as I found out. So why do we think that Legal redress use panels of solicitors who undertake the work what evidence do you have that this is true?

It is obviously your decision at the end of the day whether you want to use them or not. I really still do not understand is why Cento are not able to deal with these matters directly and have to pass you from pillar to post and again your personal data is being sent to another company.

What do you know about Legal Redress?
Do they have a Data Controller and registered with the ICO?
Do they hold a consumer credit licence with the OFT?

Another interesting point is why they have now decided to use Legal Redress and not Forbes, I wonder what sparked that off?

If you decide to go ahead, I wish you all the best.

Tuttsi

[Amethyst]

Re: Cento Client Review

Legal Redress are another Claims Management Compant who pass claims on to Ratio Money (another claims management company) who have 'panel solicitors' (lots of firms who will do claims for them for a fee). they could have agreements/access to solicitors firms direct I don't know as i don't know much more about them.

Why are your claims going to Legal Redress rather than Forbes, seeing as they previously said Forbes 'deal with these kind of claims' being PPI.

So basically 3 of your accounts (cards and loan?) had PPI attached to them ? (for info FOS are settling 89% of PPI complaints in consumers favour) and they are going to write to the lenders for you saying they were missold to reclaim premiums paid and interest on premiums plus 8% ? basically.

Which agreement are they saying is flawed ? Have they received a copy of the agreement from your lender already (possible if they started in May/June) and have they had it ''audited'' by a solicitor or just looked at it in house ?

Is that a seperate fee for dealing with that ?

So far how much do you owe cento ? £298 for the PPI claims (deferred for now) then 30% of anything refunded, plus your £79.99 upfront fee (already paid).


Although it is useful and very interesting you going through this I do wish you would just deal with these PPI claims at least yourself. Its really extremely easy and we'd help you and probably be a lot less effort that all this communication and working out of things with cento, plus you get everything back yourself, for you.

[RedRose]

Re: Cento Client Review

Previous post

"I will try and write this as I see it - not saying I believe it all - this is just the facts as it seems.
1. Cento client have asked me to pay £79.99 (which I did in May) to investigate money they claim I am owed - they said although I do not have it in writing that if my claim is less than £5,000 I would get the fee back. They operate on a 25% no win no fee basis.
2. They call me to say that the initial investigation (in house looking at 18 flaws) has identified that some of my accounts could be "fast tracked" as I appear to have been mis sold PPI - this would cost me £199 each for the 3 claims this applies to - this work would be out sourced to Forbes Douglas who deal with "this kind of claim". I say I can't afford £600 - they say they have "special dispensation" to drop the fee to £99 each - I ask for info in writing re the sums I am entitled to reclaim.
3. Cento send me "engagement forms" to pass the 3 aforementioned claims to Legal Redress - another claims company who specialise in this type of claim and also a form with FOS logos on advising the FOS that I would like them to consider my complaint - it doesn't say anywhere which of the various types of claim I am apparently entitled to this relates to.

OK - so then I read the small print - the engagement forms have suddenly had a change from 25% fee to 30% fee !!!!"

New post.

Hi
Just thought I would post an update having rung Cento Client back - hope this makes sense but please let me know if not.
1. The increase in charges from 25 to 30% is due to the case being moved to Legal Redress rather than Forbes Douglas and they apparently charge more. The paperwork is for me to return to indicate an interest but there is no rush for me to pay the £99 per claim for PPI and I can leave it until I see how much I get from the "18 flaws" claims which I have already made.
2. Legal redress are a financial institution who use panels of people including solicitors who undertake work - some of which relates to PPI.
3. The financial ombudsman form is in the pack I received in case any of my complaints need sending to the ombudsman - they have agreed to send me the other 3 pages as they propose to send them before I sign the 4th page.
4. I asked how I could be entitled to "upto" 25% of any loan back and the explanation is that some companies charge between 15 and 25% of the loan value as PPI and they could reclaim this for me.

Still need to check some of it out but felt a little happier after my 45 minute chat that my current flaws claims are progressing and there is no rush re the PPI claim.

I also asked re what happens if I get a debt cleared and they need 30% - the answer was that Legal Redress would claim back interest I have already paid, compensation and interest on the interest which I could have had if the money was in my bank. Legal redress would ensure this reached the 30% figure so I wouldnt have more debt.

As I say - Im not saying I believe it all but thought I would post it as I noticed people raising some of these points.

Linda.

Re: Cento Client Review

Tuttsi

I reckon 'collect debts' and 'administer agreements' should fall under the need a licence umbrella. Unless anyone knows better of course.

I have telephoned the OFT regarding an OFT licence regarding Cento.

They have confirmed that definately they do not hold one. They are unable to take any action directly and suggest that a complaint is made to the local Trading Standards office if it is felt that they should have one.

They said I could look up on their site 'do you need a licence' and this should explain if one is needed.

Businesses requiring a licence


You are likely to need a licence if you want to:

• sell on credit
• hire or lease out goods for more than three months
• lend money
• issue credit cards or trading checks
• arrange credit for others
• offer hire purchase terms
• collect debts
• help people with debt problems possibly this one also for requiring a licence.
• advise on people's credit standing This one stands out as requiring a licence.
• administer agreements (but do not collect debts) for creditors or assignees
• help individuals to locate and correct records about their financial standing This one for me stands out as requiring a licence.

As far as I can see CMC's in general should be holding a licence, if they are doing the three that I have marked.

The OFT do not police companies who trade without a licence and they are not able to give advice on the phone one way or other. I found this very frustrating that a department that is supposed to licence companies and monitor them are not interested unless the TS take up a complaint.

Perhaps someone with more knowledge could advise.

Re: Cento Client Review

I have received today a response from the complaints dept at the MOJ. I have responded immediately and informed that I have no objections and that I never received the two previous emails he sent. I have also re-sent directly to him the copy of my email which I sent on Friday and asked him for a time scale for my complaint.

Again I will keep you all updated.

Ms Tuttsi

I have emailed you twice – on the 15th and on the 22nd of July2009 requesting permission to disclose your details to ascertain how the business managed to get your particulars. Unfortunately I did not receive a reply. Before I can undertake any investigation I require this permission.

Regards,

Patrick Abernethy
Claims Management Officer
Claims Management Regulation
Monitoring and Compliance Unit
57-60 High Street
Burton on Trent
Staffordshire
DE14 1JS
www.claimsregulation.gov.uk
Telephone: 0845 450 6858
Fax: 0845 450 6866