Cento Client Review ( CCR Claims ) Client connection Ltd

[enaid]

Re: Cento Client Review

for info - http://www.financial-ombudsman.org.u...-CWletterA.pdf - the letter from the FOS to CMCs re PPI

Reading that it looks like the claims companies are just throwing in more or less the same reasons for mis selling of ppi and holding their breaths for a response from the FOS in all cases. Hence the reason for people signing page 4 of the FOS complaints form, before it is filled in.
Probably fraction wise, they may get away with a few and it is worth it for them, but now they have been given a few more pointers, they may have to alter tac a little. The FOS want more actual consumer accounts in their complaints. Now this is going to cost these firms time and money.
I have seen genuine cases of mis sold PPI go on and on for months, are these firms going to battle like that, I doubt it personally. I also doubr t you would get yer money back either.

Re: Cento Client Review

So someone being asked to sign this is really signing a blank peice of paper as it is meaningles. Good thinking Enaid.

Exactly, but thats why they only sent page 4 and nothing else IMHO.

[enaid]

Re: Cento Client Review

Exactly, but thats why they only sent page 4 and nothing else IMHO.

[Amethyst]

Re: Cento Client Review

Personally, I'd never sign something without seeing what I was signing. they could write anything on the first three pages and you've signed to say you agree.

[enaid]

Re: Cento Client Review

Well they will fill in the rest, it says on it you must sign this, even if someone is complaining for you.
They would have no need to send you the rest, I don't think they would send you it after they filled it in even if you asked them lol.

Re: Cento Client Review

It looks like your question list is getting longer by the moment.

I look forward to hearing their responses.

All the best

Tuttsi

Hi Tuttsi

I had a look at the FOS website and the sheet Cento Client have sent me is page 4 of this document http://www.financial-ombudsman.org.u...laint_form.pdf however they have clearly retyped it for some reason as it says "compliant" instead of "complaint" in the "make sure you have" section.

They have also removed this section (apologies for the font difference - not sure what happened there!) "for security and training purposes we may monitor or record phone calls"

When I call them I will ask why I have received only one page.

Linda.

[RedRose]

Re: Cento Client Review

Hi Tuttsi

I had a look at the FOS website and the sheet Cento Client have sent me is page 4 of this document http://www.financial-ombudsman.org.u...laint_form.pdf however they have clearly retyped it for some reason as it says "compliant" instead of "complaint" in the "make sure you have" section.

They have also removed this section (apologies for the font difference - not sure what happened there!) "for security and training purposes we may monitor or record phone calls"

When I call them I will ask why I have received only one page.

Linda.

[Amethyst]

Re: Cento Client Review

for info - http://www.financial-ombudsman.org.u...-CWletterA.pdf - the letter from the FOS to CMCs re PPI

[Amethyst]

Re: Cento Client Review

Legal Redress is legalredress and nope never heard of them before either. No info on how much they charge on their site. AUTHORISATION NO: CRM13352.
Also if I looked at their site outside this context I would take them to be a pure introducer company from the 'contact us find out if you can claim' form on their site.
Legal Redress are also linked to/used by Claims Management UK LTD (CMUK stated LegalRedress was ''in-house". Current Director Donna Kenney - previous Directors Graham Hall & Alison Daniel. (directors changed in december 2008) (claims regulation authorisation since september 08)

Great stuff Linda we really apppreciate you going through all of this.

The FOS and Financial Institutions are having a bit of an argument about claims management companies. IFAs are arguing that CMCs should pay towards the FOS's running costs as they and other FIS do.

If you look at this years FOS annual report they state they received 26% of complaints from Claims Management Companies and issued a document complaining the CMCs are not submitting the right information or waiting for a final response letter from the banks/card companies before submitting FOS forms.

Also in this months (oops July's) newletter Walter Merricks stated

''But should claims-management companies, who can be assumed to be knowledgeable, be more careful and selective – and bear some responsibility if the complaints they sponsor are unjustified? Lord Hunt, in his review of our service, definitely thought so. The scatter-gun approach used by a few claims-management companies – firing off unspecific complaints about any and every product a consumer may have, without identifying what they are or what their client is concerned about – is understandably criticised.''

Re: Cento Client Review

Thanks Linda, you have clarified this now a bit better for me.

I tried last night to download a FOS form to see if it is the one they have sent you. But my computer froze whilst doing it. If I have time during the day I will try again and post it here so that you can see if it us the same form or similar.

I am still mythed as to why a claims management company would be sending claims to the FOS your claims or anyone elses, which is a simple process for a claimant to do themselves and have to pay the CMC 25/30% for the privelige.

Tuttsi

Hi Tuttsi
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 !!!!

I will be calling them tomorrow to seek some clarity.

Hope this all makes sense.

Linda.

[enaid]

Re: Cento Client Review

Looks like the "special dispensation" from £199 to £99 is pass it on to another company, plus grab another 5% extra on top.

[RedRose]

Re: Cento Client Review

Hi Tuttsi
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 !!!!

I will be calling them tomorrow to seek some clarity.

Hope this all makes sense.

Linda.

Re: Cento Client Review

Hi Linda

'Go Claim' I could not find any thing in Google.

But will do a company search and companies house on Legal Redress to see what it throws up and according to a web site I visited this evening they have filed a set of accounts so they have been going a tad longer than Cento. I would also be interested to see who the directors are!

The FOS thing is baffling me, you could send your own claims to the FOS, why would you have needed to pay Cento and then pass this to another company it just not make sense to me, am I missing something?

The form that Cento are asking you to sign on a FOS document is it for claiming mortgage charges?

So getting this right in my head, you have paid £149.99 to Cento because they told you that they could reclaim loads of money for you. Yet now they are asking you to sign a FOS form and that they will pass your claims on to a further third party, another CMC whom you do not know and you still do not know what they are going to be able to claim for you.

I am confused.

Tuttsi

[RedRose]

Re: Cento Client Review

And registered in the name of "Go Claim" - cant find any alarm bell messages on here tho. I'll keep reading !


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Also, I did not understand this bit... 'They have sent some confirmation forms for info previously sent and a letter to sign which they will send to the Financial Ombudsman Service'

Their letter says "we have enclosed some forms for you to sign and return back to us in the enclosed freepost envelope. The forms contain some information we received back in your Welcome pack but please amend any information on these forms if it is incorrect"

They have typed up letters of engagement and letters of authority I had handwritten for the 3 claims they propose to pass to Legal Redress.

The financial ombudsman letter is headed " I would like the FOS to consider my complaint, I confirm that all the information I have given you is true and accurate to the best of my knowledge" It looks like an FOS letter with their logo etc on it,There is space to sign to say someone else is acting on my behalf. Cento client want it sent back to them as they have the info to send to the FOS with the form.

Linda.

Re: Cento Client Review

I just googled them they are in Swansea too and also registered at the MOJ.

Also, I did not understand this bit... 'They have sent some confirmation forms for info previously sent and a letter to sign which they will send to the Financial Ombudsman Service' perhaps you could ask them what this means?

Why they are continually passing consumers papers to other CMC's and not dealing with it themselves.

What is the connection with Legal Redress Ltd?

Following your question regarding the value of the claim have they said how much you could claim for?

Tuttsi