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Cento Client Review ( CCR Claims ) Client connection Ltd

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  • Amethyst
    replied
    Re: Cento Client Review ( CCR Claims ) Client connection Ltd

    Upfront fees is probably your best angle.

    From that document I linked to before

    Rule 11 requires a business to provide specific information in writing (electronic versions are sufficient) before a contract is agreed (details below).
    General Rule 5 requires a business to “observe all laws and regulations relating to its business.”
    The Provision of Services Regulations 2009, Regulation 11 requires businesses to provide certain information (which includes the information in Rule 11) to be provided “in good time before the conclusion of a contract …”
    (
    11. Information which must be made available or supplied by the provider of a service in accordance with the provisions of this Chapter must be made available or supplied—
    (a)in a clear and unambiguous manner, and
    (b)in good time before the conclusion of the contract or, where there is no written contract, before the service is provided (unless the information is requested as specified in regulation 9 after the provision of the service).)

    In the Conduct of Authorised Persons Rules 2007 there is also;

    Regulation 11

    11. A business must provide the client with the following information in writing or
    electronically before a contract is agreed –
    a) Honest, comprehensive and objective written information to assist the
    client to reach a decision including the risks involved in making a claim,
    in particular the possibility of losing money and, in the case of legal
    action, appearing in court.
    b) The services that will be provided, in a way that does not misrepresent,
    either by implication or omission, any term or condition or by whom the
    service will be provided.
    c) The procedures that will be followed.
    d) Contracts, including for insurance or loans, that the client will be asked
    to agree to.
    e) Any charge the business makes. Where this is a percentage of
    compensation payable the percentage must be indicated together with a
    typical example of the actual cost in pounds, or more than one example
    if the business makes differential charges.
    f) Any referral fee paid to, or other financial arrangement with, any other
    person in respect of introducing the claim.
    g) Any costs that the client may have to pay, including repayments on a
    loan taken out for any purpose and the purchase of a legal expenses
    insurance policy, and whether the client will be liable to pay any shortfall
    in recoverable costs or premiums from the losing defendant party.
    h) Documentation needed to pursue the claim.
    i) Any relationship to a particular solicitor or panel of solicitors.
    j) Procedures to follow in the event of a complaint.
    k) How the client may cancel the contract and the consequences of
    cancellation including the reimbursement of any costs paid during the
    cancellation period and any costs or penalty that has to be paid after the
    14 day cooling off period.
    l) The statement that the business is “regulated by the Ministry of Justice
    in respect of regulated claims management activities” and the
    authorisation number of the business. This requirement applies one
    month after the date of authorisation of the business.



    also

    15. A business must allow a ‘cooling off’ period of at least 14 days after signing
    any agreement,


    You have not signed any agreement.


    Also I'd mention you will take your case to consumer direct, oft, trading standards and the MOJ.

    The company comes under the umbrella of Client Connection Ltd
    and they have recently had an amendment to their directors


    AP01 11/01/2011 DIRECTOR APPOINTED MR GEORGE STANTON


    TM01 07/01/2011 APPOINTMENT TERMINATED, DIRECTOR KEVIN KEARLE


    TM01 06/01/2011 APPOINTMENT TERMINATED, DIRECTOR DAMIAN SPOONER-CLEVERLY

    Leave a comment:


  • d5mcc
    replied
    Re: Cento Client Review ( CCR Claims ) Client connection Ltd

    Thanks again,

    I was not aware that they only referred me to other CMC's, during the initial phone call, but I may have missed it in their sales pitch. Although they do say in their email that they use some in-house legal teams to process the claims. I was reading through their sheet of small print in their terms and conditions and there is a sentence that says
    'We process the claim in house or pass them onto our agent or also pass them onto a panel solicitor depending on the complexity and value of the claim . . . . . .
    Off course I had already paid the fee before I received the terms and conditions in their claims package.

    How do you think I should proceed now?

    Leave a comment:


  • Amethyst
    replied
    Re: Cento Client Review ( CCR Claims ) Client connection Ltd

    Missold mortgage ? did she have PPI ? In what way have they said her mortgage may be missold ?

    How much has she paid them upfront ?

    Has she completed the pack and returned it ? Or tried to return it , not completed, and they have refused ?

    We'll need to know date she agreed to go ahead and date she received, and returned the pack, if she did, date of the phone call to cancel etc.

    Leave a comment:


  • Haddock&Chips
    replied
    Re: Cento Client Review ( CCR Claims ) Client connection Ltd

    Hi All,

    My Girlfriend is on there Lifestyle pack for missold mortgage.

    She contacted them on the phone but got fobbed off that she had passed the cooling off period.

    I have called there phone number & they seem to change there name at will.

    What do you think the next course of action should be.

    Leave a comment:


  • Amethyst
    replied
    Re: Cento Client Review ( CCR Claims ) Client connection Ltd

    They are correct , more or less, on the cold calling issue - maybe ask them which CMCs they refer you to, did they tell you they only referred you to other CMCs in the initial contact and in the paperwork they sent you. Also did they take the fee before you received the information ? Have a read through this https://www.claimsregulation.gov.uk/...ust%202010.pdf I'm pretty sure there will be some other points you can pick them up on.

    Leave a comment:


  • d5mcc
    replied
    Re: Cento Client Review ( CCR Claims ) Client connection Ltd

    Hi,
    Thank again for your advice.
    I replied by email to
    Lifestyle Claims and have just received a response from them, it is;
    '
    Thank you for your email. As you have attempted to cancel outside of your 14 day “cooling off” period, we are unable to cancel your claim and process a refund at this stage. Please refer to the customer pre-contractual information for full details of the cancellation procedure.

    We have also received a letter from yourself in response to this letter we would advised the following: If we were a Claims Management Company (CMC) passing information directly to solicitors then we would not be permitted to ‘cold call’ potential clients. However we as a CMC use other CMC’s and our own in-house legal teams to process claims so it is therefore permissible for us to ‘cold call’. We as a company only use ‘opt in data’; which is collected via customers ticking a box when making an application of some sort and consenting to third party contact.

    We would advise that you complete and return your claims pack at your earliest convenience as we believe you have potential claims. Upon receipt of your completed claims pack we will process your claims as normal; in the unlikely event that your claim(s) come back as unsuccessful you will be entitled to a full refund.

    If you have any further questions or queries please do not hesitate to contact our customer services department via telephone or email.

    Kind Regards,

    Ruby,
    Claims Account Manager'


    What would you suggest I should do now?

    regards,

    Leave a comment:


  • EXC
    replied
    Re: Cento Client Review ( CCR Claims ) Client connection Ltd

    In my view I would e-mail them and insist on a response by the same method.

    Leave a comment:


  • d5mcc
    replied
    Re: Cento Client Review ( CCR Claims ) Client connection Ltd

    Hi again,
    I wrote a letter to the MD of Lifestyle claims on the 4th February, covering the background and stating the details you suggested in your reply, as shown in the extracted paragraph below;
    'During the conversation I was informed that Lifestyle Claims were regulated by the Ministry of Justice. If this were the case, and you were following their guidelines, you should not have cold called me and you should not have requested upfront fees. I now demand that you return my money in full within 14 days, otherwise I will report this matter to the Ministry of Justice, OFT and Trading Standards and I will also request intervention from my credit card company by way of a charge back, as you sold me a service which you could not deal with at the time of this being sold to me.'
    They were unable to contact me by phone, so they sent me an email, asking me to phone them. Should I ring them or just contact them again by email? I am worried that they will persuade me to continue with the original claim if I talk to someone on the phone. Also an email would provide a written record of the events. Your advice please.
    Thanks

    Leave a comment:


  • Guest's Avatar
    Guest replied
    Re: Cento Client Review ( CCR Claims ) Client connection Ltd

    As soon as the pack arrives she must return it within 14 days. She could also send an email advising that she has changed her mind.

    Make sure she sends it by special/recorded delivery with a letter requesting a FULL refund and that she wants a confirmation thatvthey are delaing with this.

    If she paid by credit card she could also use the chargeback facility.

    Do not give them any further personal details.

    Tuttsi


    Originally posted by Haddock&Chips View Post
    I,m most upset my girlfriend has just paid CCR £554.45.

    I was away at work when she was called by this company.

    So i did some research came across your site Lo & behold most intresting.

    She showed me a letter with cross reference to Lifestyle Claims.

    It seems she was hooked line & sinkered as these cretins pray on the easy prey with hard sell tactics.

    She seems to think they will pay off her mortgage i said dream on.

    It,s now the case of will she ever see her money again.

    Leave a comment:


  • Amethyst
    replied
    Re: Cento Client Review ( CCR Claims ) Client connection Ltd

    What type of claim is she using Cento to do for her? PPI ? Charges ? or ''unenforceable'' credit agreements ?

    Leave a comment:


  • Haddock&Chips
    replied
    Re: Cento Client Review ( CCR Claims ) Client connection Ltd

    I,m most upset my girlfriend has just paid CCR £554.45.

    I was away at work when she was called by this company.

    So i did some research came across your site Lo & behold most intresting.

    She showed me a letter with cross reference to Lifestyle Claims.

    It seems she was hooked line & sinkered as these cretins pray on the easy prey with hard sell tactics.

    She seems to think they will pay off her mortgage i said dream on.

    It,s now the case of will she ever see her money again.

    Leave a comment:


  • Amethyst
    replied
    Re: Cento Client Review ( CCR Claims ) Client connection Ltd

    I agree it could do with an update. Do cento actually still exist or are they just lifestyle claims etc and money expert now ?

    Leave a comment:


  • ronaldo
    replied
    Re: Cento Client Review ( CCR Claims ) Client connection Ltd

    Originally posted by TUTTSI View Post
    Has anyone received a phone call from them ?

    If you have then please http://www.legalbeagles.info/forums/register.php for free and tell us your experiences of them.

    They are cold calling consumers offering to get back charges, PPI and also write off loans etc. They charge between £49.99 and £149.99 for their services for which you can do any of this yourself for free with the assistance of this site.



    EDIT -

    What would be very helpful would be if people who have posted with concerns over misleading claims made to them in these calls could PM me or send admin@legalbeagles.info an email stating the concern, the time and date of the call, and the telephone number that the call was made to. This will then be passed to cento so they can monitor and take action to improve the quality of their calls.


    THE STORY SO FAR.......

    1. Basically, I have not heard of one person so far who has been sucessful, but that is not to say that there have not been any.

    2.The solicitors they have stated to many people that they use are Forbes Douglas, I have evidence from the MD of Forbes Douglas that they are not solicitors and neither do they have any solicitors employed by them, they are in fact another claims managment company. So again if they make these references you must check out what they are saying is correct.

    3. If your claim progresses to the next stage they may ask for more money and they may also get you to sign away an additional 30% of any money they recover for you.

    4. If you decide to use them, you should check their T & C's before entering into any agreement IMHO and definately before you pay any money over.

    5. Get everything in writing before entering into any agreement, unless you are recording your phonecalls.

    6. Do your research thoroughly before using them or any other claims management company, before parting with your money. There are loads of resources on the internet.

    7. Anything they can do for you you can do for free, with the help of consumer web sites like here on Legal Beagles.

    8.Cento Client Review told me that I had £3K to come back from a particular previous mortgage company, this was not true as I have checked it out, I did not take PPI and neither did I have £3K of Mortgage charges. The mortgage payments were much more than £3K so where to they get there figures from.

    9. Also, it is worth remembering at the time of their phonecall to you they are not privy to your Bank,Mortgage,Creditcards and Loans so how can they pluck figues out of thin air and advise you what you have to come back.

    10. They have been known to tell people to stop paying their loans and pay the money to their solicitors, on no account must anyone do this as it is not advisable. Seek solicitors advice from someone you trust as you could end up in default and your financial record could be damaged.

    11. When they phone you, did should ask where they got your personal data from? they are not allowed to cold call. They told me they got my information from the FSA - that is not true, when questioned further they told me a central regisitry for PPI, again I have no PPI so this cannot be true.

    12. Never give you personal data to anybody that calls you on the telephone this includes you credit/debit card numbers, without first checking them out.

    Finally, if you feel they have misled you or that they cold called you, this will make them in breach of their conditions for holding a Ministry of Justice Licence, then a complaint to the MOJ is very important. 100 companies with licences have had them suspended ot cancelled.

    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
    Email: info@claimsregulation.gov .uk

    MOJ web site showing CMC's that have lost their licence. http://www.claimsregulation.gov.uk/
    THIS POST IS ALMOST 2 YEARS OLD AND I THINK SHOULD BE AMENDED TO REFLECT THE COMPANIES CURRENT POSITION AND NOT GIVE THE COMPANY A BAD NAME. I HAVE POSTED ON LEGAL BEAGLES PREVIOUSLY TO STATE THAT I HAD A SUCCESSFUL CLAIM THROUGH THIS COMPANY BUT THIS IS THE FIRST POST THAT POTENTIAL OR EXISTING CUSTOMERS WILL SEE AND I DONT BELEIVE IT REPRESENTS THE COMPANY FAIRLY.

    Leave a comment:


  • Guest's Avatar
    Guest replied
    Re: Cento Client Review ( CCR Claims ) Client connection Ltd

    You may also want to read this re PPI:-
    http://www.fsa.gov.uk/pages/consumer...ppi_letter.pdf

    Leave a comment:


  • Guest's Avatar
    Guest replied
    Re: Cento Client Review ( CCR Claims ) Client connection Ltd

    Originally posted by d5mcc View Post
    Thanks for your response TUTTSI.

    Lifestyle claims rang on the 18th November 2010. I spoke to a sales person who asked about my mortgage What exactly did they ask? and credit cards accounts.She said that they would look into these accounts how exactly were they going to look into those accounts and see if I was entitled to any money back.She asked if I had taken out mortgage protection insurance incase I lost my job. have a read of our PPI thread - which cuurently is under Judicial Review and it was at the time they called you sadly http://www.legalbeagles.info/forums/...ad.php?t=24880
    I told her that I hadn't. She said that sometimes companies can still take the insurance out, even if I hadn't agreed to it. They can hide the charges in the repayments. She thought that my monthly mortgage payments would indicate this and I could have been paying this insurance. And she thought there was a good chance that I would be entitled to a substantial claim. She said that I would have to pay £352.50 up front which I would get back if I wasn't entitled to any money. I should know in about 12 weeks after I returned the forms if I am entitled to anything. She said something similar regarding my credit cards.
    I rang to ask for a refund a couple of weeks ago, but I was told that it was past the 14 day cooling off period so they could not do anything. They suggested that I would be better off persuing the claim as I would either get the claim amount or my money back if I wasn't entitled..
    Credit card if you write to you credit card company a simple letter requesting a refund they have been know to refund in under 9 days without the need to seek outside help. Have a look at this thread wher one of our members received a refunds after 9 days with just having sent a simple letter.
    http://www.legalbeagles.info/forums/...ad.php?t=17444


    You need to write a letter and send this by special delivery to the MD of Lifestyle claims and tell him that you want your money back within 14 days and advise him about the Judicial Review which they should have been aware of at the time they phoned and sold their services to you also you note from the Ministry of Justice web site that they should not have cold called you and that they should not have requested upfront fees and advise him that if he does not return your money in full you will not only report this matter to the Ministry of Justice, , OFT and Trading Standards, you will also request intervention from your credit card company by way of a charge back as they sold you a service which they could not deal with at the time of this being sold to you.

    You can call your credit card company anyway and make them aware that they mis sold you a services one which they could not at that do because of the Judicial Review of PPI cases, tell them that you are writing requesting a refund and ask for the form to complete in the event that they do not respond to you.

    Please let us know how you get on.
    Last edited by TUTTSI; 28th January 2011, 23:45:PM.

    Leave a comment:

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