Cento Client Review ( CCR Claims ) Client connection Ltd

[TUTTSI]

Re: Cento Client Review - BEWARE!!!

Tuttsi whilst I'm not suggesting the poster should stop paying just that of course the MOJ will tell them to keep paying - They'll tell them that even if they don't need to - They aren't expert in consumer law - as for Cento they clearly need to be investigated as to allege that solicitors will hold the funds is to mislead the consumer & frankly I would have been very surprised if any law firm would have been party to it

I hear what you are saying and agree with you.

The poster was not listening to other posters and was dead keen to go with this Cento plan. Now at least the poster will not now stop paying Northern Rock. The solicitor that Cento are saying that he would have to pay the money to is Forbes Douglas http://forbesdouglas.com/ and Cento are passing them off as Solicitors. This company are just claims specialists. I also accept that they will possibly pass this to solicitors if and when a claim has to be made. But in the meantime the poster will have got himself in a terrible jam with Northern Rock.

Tuttsi

[Amethyst]

Re: Cento Client Review - BEWARE!!!

Interesting post on MSE from someone purporting to work for ForbesDouglas

Please may I as an officer of Forbes Douglas clarify, as a couple of correspondents have correctly already noted, that Forbes Douglas is a claims management company and not a firm of solicitors.
I would also like to clarify that Forbes Douglas would never advise a client to stop paying their contracted loan payments. It would be wholely improper for us to give that advice as a Claims Management Company and such advise can only come from a law firm.

[grace]

Re: Cento Client Review

Hi,
I had a call today from centro client review. They wanted 149.99 to make ppi claims on my mortgage, welcome finance loan and any other cards etc i have had. they also mention the ministry of defence , 18 reasons i may have a claim and said i would need to be sent a pack and fill in a cca74 to give permission for them to access my details or documents needed from the companies we would reclaim from.
I was told it would be on a no win no fee basis and pay 25% of what was reclaimed. They were calling from wales and said it would all be sorted out with in 90 days when i coompllete the cca74.


centro claim review said they deal with up tp 15 things at the same time.

I also had a call a couple of weeks ago from a similar company called claim back direct or something of the like, who wanted 100 pounds to do the same thing , but it was only for your mortgage or loan not all your finances.

Do you think it would be a mistake to use this company?
I understand you can do these things yourself but with little knowledge, understanding or time due to my young family it would be difficult to do myself.
R there any decent and ligitimate companies who do this sort of work for you? if so what would be reaasonable for them to be charging?

Any help or advice would be gratefully received

Kindest Regards
Grace (new user)

[WendyB]

Re: Cento Client Review - BEWARE!!!

Hi Grace and Welcome to Beagles.

First off, I have to start by saying (please excuse the shouting but this is very important) DO NOT UNDER ANY CIRCUMSTANCES USE CENTRO (OR ANY OTHER CLAIMS MANAGEMENT COMPANY).

Yes I know it can be quite daunting without legal knowledge, but the fact is, unless it gets really really complicated, you don't need to be an expert. in fact you find that you gather more and more knowledge as you get into it. There are loads of people here who will help you along the way. None of us had much knolwedge to start off with (well some more than others lol).

As for the time aspect, you can do it at your own pace, you dictate the timescale (unless of course you have court cases or legal deadlines, which you would still have to attend anyway even if a CMC were managing for you).

I also have a family, full time job, part time job, dogs cats a horse (and even a life pmsl) and I've managed to get stuff sorted, its not as time consuming as you may think.

What's your financial position at the moment? Not being personal but it might be an idea for you to start your own thread and give us an idea of what's what, so we can start to help

Wendy x

[Amethyst]

Re: Cento Client Review - BEWARE!!!

Replied on welcome thread, saying pretty much the same as Wendy (without the shouting lol), Grace you probably want to use that thread as your thread now. New Member - cento client review?? - Legal Beagles .

[grace]

Re: Cento Client Review - BEWARE!!!

Hi wendy,

thank you for your advice and support, i thought iwas busy!! you go girl.

the thing is, i didnt have any idea about a problem with mortgage ppi or any problems with the halifax, untill this guy mentioned it today.

I did however have a thought that i have somehow been over charged with a secured loan i took out with welcome finance.

My partner and I had a £7,500 loan at end of 2006 in 2007 we applied to increase the loan by a further £7,500.

They basically paid off the old loan at this point and put it al linto one new one, various insurance etc were added on.

I called them a few months ago to find out what i would have to pay if iwanted to pay off the loan and they said the outstanding balance was £19,000.

I understand there are interest charges to pay on money you borrow but have been paying £265 a month for at least 2 years. this seems steep to me !!! so, i think i may have been overcharged on the insurances, which they added as alump sum to the loan.
I dont have the originalpaper work but have requested a copy from them.

They said they can send info for this loan , but not the original one which was paid off (by them). ?? i dont know why.

Do you think i could get any of this back or at least knocked off the total that i owe them??

Thanks for the advice about cento i will steer clear.

Grace
------------------------------- merged -------------------------------
okay thanks.. i will do that

[TUTTSI]

Re: Cento Client Review - BEWARE!!!

Here is the link to my BBC interview today, which will hopefully be shown on Saturday.

http://www.legalbeagles.info/forums/...ad.php?t=17479

Tuttsi

[Jester]

Re: Cento Client Review - BEWARE!!!

I've not had the chance to check out the rest of those addresses yet, but it seems from the Lord Matt website that somebody certainly has visited the Skewen address !!

Hopefully, I will get a chance to nip over to Llangennech on the weekend and see what sits at the last address.

Will keep you informed

[TUTTSI]

Re: Cento Client Review - BEWARE!!!

Unfortunately my interview was not shown, but this is the blog from the BBC website.

Ministry warns on debt write-offs


By Brian Milligan
Business reporter, BBC News


Mr Sharrock says he paid a fee but received no service

The Ministry of Justice has warned consumers about the dangers of trying to get debts written off.
They say hundreds of claims management companies are charging large up-front fees, and making misleading claims about the chances of success.
Steve Sharrock, an oil engineer from Manchester, received a phone call from one such company, out of the blue.
They told him there was a 99.9% chance that they could get his credit card debts written off entirely.
This was because the credit card companies may have made mistakes in the paperwork which would breach the Consumer Credit Act.
'Con'
But after paying an upfront fee of £275, Mr Sharrock never heard from the company again.
"It's just a scam," he told the BBC.
If there is a genuine issue about debt, the right thing is to talk to your lender first, not to find some other way of wiping your debt


Kevin Rousell, Ministry of Justice

"They're obviously only concerned about getting money off you as quickly as they can. It's a con."
The company that approached Mr Sharrock wasn't licensed by the Ministry of Justice.
But even amongst more legitimate claims companies, consumer groups say the assertions they make in their adverts are often misleading.
Typically one company claims on its website that "80% of all credit agreements may be unenforceable".
In other words, the chances of getting your debts written off are high.
'Talk to lender'
But the Citizens Advice Bureau believes such figures are completely unrealistic.
Sue Edwards, the CAB's head of consumer policy, says the chances of getting any debts written off in this way are "probably quite slim."
The Ministry of Justice has already issued two warnings about such claims. But with new companies springing up every week, the ministry is struggling to keep up with them.
Kevin Rousell from the ministry suggests consumers should never pay any money up front, and they should find other ways of getting rid of debt
"If there is a genuine issue about debt, the right thing is to talk to your lender first, not to find some other way of wiping your debt," he said.
The Ministry now has a team of 34 enforcement officers in the Midlands, including five new recruits. Their job is to crack down on misleading claims, and, if necessary, remove operating licences.
'Angry'
But it isn't only people with credit card debt who are being targeted by the claims companies.
Denise Silverstein, from north London, was surprised to receive a phone call in April, from a company offering to wipe her mortgage debt of £3,000. In fact she had paid off the mortgage some time ago.
She was asked to pay £50 up front, but "found out at a later stage that they would take another 20%".
She was also upset that she and her husband had been cold-called, on an ex-directory number.
"I feel very angry," she added.
A judge at Chester Crown Court has estimated that as many as 100,000 people may now be trying to get their debts written off via the courts. So even if some of them are eventually successful, it will take a long time for their cases to be proven.

[Carlson63]

Re: Cento Client Review - BEWARE!!!

Hi, I have just received a call from this bunch too & thought they knew far too much about me so started questioning them.
appareently they buy their databases from the following sources
1. 1st Class Data
2. Masterclass Data
3. Selectabase

They were talking about reclaiming interest off mortgages, loans etc but mentioned all of the banks, building societies and lenders that I have had dealings with in the past. This is scary stuff as some of the loans have been paid off for over 5 yrs now!
Is there any threats that I can go back to them with to get me off their lists?

looking forward to hearing from you.
Carlson

[BeagleEagle]

Re: Cento Client Review - BEWARE!!!

Hi
What is a SAR?
What is a FSO?
What is the process?
Why not use a company like Cento? - even if they are an introductory compamy, even if the solicitors charge 25-50%, if they are willing to do the work they should get paid.

All I want ot know is there an honest comany that will provide the service and make the claims without me having to do it.

Any comments and advise welcome!

[TUTTSI]

Re: Cento Client Review - BEWARE!!!

Hi
What is a SAR? An SAR is a Subject Access request, here is the link:-http://legalbeagles.info/forums/showthread.php?t=70


What is a FSO? Not sure where you got this from?

What is the process? How do you mean?

Why not use a company like Cento? - even if they are an introductory compamy, even if the solicitors charge 25-50%, if they are willing to do the work they should get paid. Absolutely, I agree with you.

All I want ot know is there an honest comany that will provide the service and make the claims without me having to do it. You have to make your own judgement as to whether they are an honest company after doing your research.


Any comments and advise welcome!

We can only give you our experiences so far and the main fact is they say they portray during their telephone call that they have a firm of Solicitors called Forbes Douglas - In fact Forbes Douglas are not Solicitors.

They have told other callers that they have been in business for 3 years - this is not true they were only incorporated this year.

I asked them where did you get all my personal information - the told me that the FSA asked them to call me. this is not true.

They knew too much about me and other posters on this thread - so how did they get our personal information? This is to be very honest my main concern.

I would be worried about giving them anymore of my personal information, as who knows what they might do with it by selling it on.

At the end of the day - it is always your choice with what you want to do, all I ask is that you make a thorough investigation, because belive me there are a lot of horror stories out there.

Please have a good read of this thread and I would also draw your attention to the BBC blog which I posted here from Saturday's BBC 1 News, which includes the Ministry of Justice and the Citizens advice as well as a consumer that paid £265 to an organisation such as Cento last March and they have not heard another word. I was also interviewed by the BBC as you will see.

We can also help you here on this site for free....

I wish all the best

Tuttsi

[dino1998]

Re: Cento Client Review - BEWARE!!!

Thank you for this!!! They keep bombarding me and my concern is how they have my details!!!!

[Simondo]

Re: Cento Client Review - BEWARE!!!

Hi all this is my first post

I received a phone call from them today advising me that I could claim back the excessive interest paid out on my non-sub-prime mortgage - to the tune of £3000. Considering that I am on my last legs with my lender, Capstone, I was overjoyed at the thought of being able to give the lender £3k of their own money back to reduce my arrears. Then I found this thread after feeling suspicious about the eagerness to take £150 from me that I haven't got.

I got a phonecall back from the same guy that still insists that they are legitimate and that they can get a payment back to me in around twelve weeks. I mentioned MSE and this site and he put it down saying there are always negative words on the net relating to companies etc.. and did I want to recoup £3k or not? I asked him to call me back in another week after I had sufficient time to research. I asked for written informatiom before making a payment and he said that they only send out an information pack after payment has been made. I had a few more questions but the number was witheld when I tried to call it back. I have never had payment protection, this is just about overpayments of interest 'that the government has actioned against allowing recovery of over-payments from unscrupulous lenders'.

So is there a scheme for people like me that were pushed into taking the only loan I could get from a sub-prime lender that charged ridiculous interest rates; or am I stuck with it and is this just another scam?

Any replies greatly appreciated.

[righty]

Re: Cento Client Review - BEWARE!!!

Welcome simon

Well I suppose to some extent they are correct - However only in the broadest sense in that the 2006 CCA and the Unfair Practices Act does allow you to dispute your agreement if the % charged is excessive. The problem is is that there is little case law based on this new law & it remains to be tested to any degree in the County Courts - So in truth yes there is a means by which you can recover over inflated % charges but I doubt it'll only take a few weeks also as it's Capstone you'll be fighting tooth & nail before you achieve anything

That's the bad news now tell us your problem (in detail) & perhaps we can help as even with Crapstone all may not be lost.........incidentally have you heard of securitisation?