Cento Client Review ( CCR Claims ) Client connection Ltd

[ricckybail]

Re: Cento Client Review

Hi people of money problem land
today i too recieved a cold call from cento telling me about missold loans etc,i have previously set up an iva and this info gets put on a list of defaulters that just about anyone can access so cento would certainly see it.they asked me for 149.99 to check and see if mine loans were missold and they told me that the money was only a deposit that would be refunded if they couldnt help.made no mention of any further monetary deposits only to me if they found in my favour.i thought 149.99 sounded good if it cleared the 60k i am in debt for but i see in the threads that it appears to only stem from using ppi's.i had payment protection insurance on my loans but it didnt appear to be anywhere close to the figures in a previous post.has this company cleaned up its act .my iva manager says there are genuine companies that can help but also the recession has seen a boom in non legitimate ones who take the money and run.i have emailed the moj to see what they say

[TUTTSI]

Re: Cento Client Review

Hi Riccky

Welcome to Legal Beagles and thank you for posting.

You can actually make a claim yourself using this site and it is free to use the resources and help and the bonus is that 100% of your win belongs to you and not shared with a third party.

If you did take out PPI it is possible to reclaim this, but only if it has been missold.PPI - payment protection insurance - Legal Beagles

You can also claim for Bank, Credit and Mortgage charges. Bank charges though are currently held up because of the test case, but if you are in hardship then there still is a way forward on this. http://legalbeagles.info/forums/forumdisplay.php?f=106

Take a good look over the forums and post in any of the relevant sections. and one of the team or members will help you further.

Tuttsi

Hi people of money problem land
today i too recieved a cold call from cento telling me about missold loans etc,i have previously set up an iva and this info gets put on a list of defaulters that just about anyone can access so cento would certainly see it.they asked me for 149.99 to check and see if mine loans were missold and they told me that the money was only a deposit that would be refunded if they couldnt help.made no mention of any further monetary deposits only to me if they found in my favour.i thought 149.99 sounded good if it cleared the 60k i am in debt for but i see in the threads that it appears to only stem from using ppi's.i had payment protection insurance on my loans but it didnt appear to be anywhere close to the figures in a previous post.has this company cleaned up its act .my iva manager says there are genuine companies that can help but also the recession has seen a boom in non legitimate ones who take the money and run.i have emailed the moj to see what they say

[Amethyst]

Re: Cento Client Review

Also Ricky have a read of this thread ~~~ Consumer Credit Agreements - A Guide ~~~~ inc. Letters - Legal Beagles re unenforceable credit agreements (missold/faulty loans)

[ricckybail]

Re: Cento Client Review

thanks girls for your replies,i wll look at the forums and see,btw another welsh company contacted me today,something Severn,listen out for them offering the same service with the identical opening chatter,word for word as cento use.meanwhile here is the reply i got from the claims reg on gov.uk
RE: cento client review
From Moore, Kate (SCH) (kate.moore@staffordshire.gov.uk) on behalf of Claims Regulation (pending.authorisation@claimsregulation.gov.uk) Sent:31 July 2009 16:12:10To: (ricckybail@hotmail.com)
Mr. Bailey,
Thank you for your query
The business Client Connection Ltd, trading as Cento Client Review are regulated by the Ministry of Justice in respect of claims management activities under CRM16588. Any business who wishes to provide claims management services must be authorised under the Compensation Act 2006. Therefore regulation under the Ministry of Justice is not an approval scheme nor is a recommendation, it is a necessity by law.
As with any goods or services it is prudent to shop around and research to satisfy yourself that you want to use this kind of service and that you would benefit from it. If after you have done this you feel you wish to contract with a claims management company for this type of service then there is an authorised business search on our website www.claimsregulation.gov.uk.

Our general advice to consumers is threefold:
- To do some research online, using web sites such as Money Saving Expert www.moneysavingexpert.com. This will help you decide whether the service offered is one that is appropriate for you.
- To shop around. There are a lot of businesses offering such services. Shop around for a business which offers a service which best suits you.
- To be sure what you are agreeing to before signing a contract or making an up-front payment.

In respect of businesses offering to write off consumer credit, I would also recommend reading the recently-issued consumer alert, issued jointly by the Ministry of Justice and the Office of Fair Trading, regarding unenforceable credit agreement claims:
http://www.claimsregulation.gov.uk/userfiles/file/CMR%20consumer%20alert%20-%20CCA(2).pdf

I hope that the information above is of use to you however if you require any further information please do not hesitate in contacting the Unit on the contact details below quoting reference number 56048.
Kate Moore
Claims Management Officer
Claims Management Regulation
www.claimsregulation.gov.uk
Telephone: 0845 450 6858/ 01283 233309
Fax: 0845 450 6866/ 01283 233335
Email: info@claimsregulation.gov.uk
please make sure and read the consumer alert in this me ssage

[Amethyst]

Re: Cento Client Review

cool that the MOJ point people at MSE.

Thanks for posting their response, if you have any queries about anything, then feel free to ask

[TUTTSI]

Re: Cento Client Review

Thanks Riccky we will look out for another company operating with the name severn in it.

I have copied this from the MOJ site, especially the bit about cold calling. Cento and they cold called me as well as many others that had calls from them. They know it is wrong but they still continue to do this.

Latest News

Claims Management Regulation – Annual Review 2008/2009 & Impact of Regulation Assessment – Update

The Ministry of Justice has today published two documents, the Annual Review 2008/2009 and a separately commissioned Impact of Regulation Assessment, which is an update of the previous year’s Assessment. The Annual Review highlights the achievements of regulation, changes within the claims management market over the last year and identifies areas requiring focus for the forthcoming period. The Impact Assessment reviews the effect that regulation has continued to have on the industry. The Annual Review can be viewed here and the Impact Assessment can be seen here.
New measures to protect claimants from unregulated 'no-win, no-fee' agreements

The Ministry of Justice has taken a major step towards protecting claimants from unfair 'no-win, no-fee' arrangements. Proposed new powers in the Coroners and Justice Bill will ensure that claimants are made aware at the outset of how much their claim is likely to cost. For further details, the full news release can be viewed here.
New warning to businesses on taking up-front fees and cold calling

In response to complaints received from consumers, we are reminding claims management businesses about the rules about taking "up-front" fees and "cold calling". The attached Warning sets out the details and should be read by all businesses and particularly those dealing with Unenforceable Consumer Credit Agreement claims. We have been working closely with the OFT to address malpractice in this sector and this Warning is issued in conjunction with an OFT press notice issued today at http://www.oft.gov.uk/news/press/2009/72-09.
Unenforceable Consumer Credit Agreement cases – Update
The Judicial Communications Office has issued a statement in light of the activity surrounding the recent case heard in Chester County Court by His Honour Judge Halbert and the speculation and misreporting which followed the hearing. Contrary to some reports, there is no general stay on cases challenging the enforceability of Consumer Credit Agreements.
Cases of this type will therefore continue to be heard and decided on their own particular facts, although the Court may group similar cases for trial, where appropriate, in an effort to save costs and time. Further consideration is also being given to the transfer of selected cases to the Commercial Court in London for definitive ruling where new questions of law have been identified. The media release can be read in full here.
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This is from the OFT web site and if I am reading it correctly that any Claims Management Company giving advice would need a Consumer Credit Licence and it is a prisonable offence to be trading without one.
Newsroom

Press releases 2009


OFT warns consumers about 'debt sale' scams

72/09 23 June 2009

The OFT is warning consumers not to be taken in by businesses claiming to help them become debt free by 'buying' or 'selling on' their debts.

The warning follows a significant increase in the number of adverts on the internet and in newspapers from debt and claims management companies that misleadingly state they can take over liability for debts or write off debts by purchasing consumers' credit agreements.

In fact the law does not allow the sale of debt without the lender's permission and so businesses that suggest otherwise are making clearly misleading claims. Brokers who introduce clients to debt and claims management companies that say that they can 'buy' and 'sell on' consumer debts are also misleading consumers.

Consumers need to be aware that if they 'sell' their debts to one of these businesses, either directly or through a broker, they will still be liable for their original repayment obligations as well as losing the money they paid for this false service.
Consumers will also still be subject to any debt collection activity and negative credit scoring associated with the original debt.

The principal regulator for claims management companies is the Ministry of Justice. Those businesses that operate in the credit/debt sector also need to be licensed by the OFT. Some of the firms offering these services do not have consumer credit licences and the OFT is working in partnership with local trading standards services to prosecute them for unlicensed trading. Formal licensing enforcement action has already been initiated against licensed companies whose advertising or websites are making these misleading claims.

Ray Watson, OFT Director of Credit, said:

'Like most scams, when something looks too good to be true, it usually is, and this is certainly the case here. You cannot simply sell on your debt and its liabilities, and businesses that make misleading claims to the contrary are just trying to take advantage of consumers' distress.'

'The OFT will not hesitate to take swift action against businesses which deliberately mislead consumers.'

'Consumers with debt problems should contact their creditor to arrange a repayment plan or their local Citizens Advice Bureau who will be able to provide free advice.'

NOTES

1. The Ministry of Justice (MoJ) is the principal regulator for claims management companies but businesses that operate in the credit/debt sector also need to be appropriately licensed by the OFT. The Consumer Credit Act 1974 (the Act) requires most businesses that offer goods or services on credit or for hire, lend money to consumers, or offer debt purchase, debt counselling, debt adjusting services or credit information services to be licensed by the OFT. Even if a business does not offer credit itself, but introduces clients to sources of credit, that business may be engaging in credit brokerage activities for which a consumer credit licence is required.
2. It is a criminal offence under section 39(1) of the Act to carry out any activity that requires a consumer credit licence without such a licence. Under the Act, unlicensed trading is punishable by a fine, imprisonment, or both.
3. Businesses providing claims management services regulated by the MoJ are required to follow strict rules of conduct including a ban on misleading marketing, high pressure selling and cold calling in person.
4. In August 2008 MoJ issued a joint consumer alert with OFT encouraging consumers to consider their position carefully and get independent advice and in February 2009 published fresh guidance on the type and content of marketing considered to be misleading. A number of businesses have been directed to change their marketing.
5. Today, MoJ has issued a further warning on marketing issues and the threat of enforcement action against any authorised businesses which fail to comply with the requirement that they must provide consumers with clear information about the options available for pursuing their claim, the realistic chances of success and the expected costs of doing so before any fees are charged or a contract is signed. For more information about the regulation of claims management businesses and general advice see the Ministry of Justice website.
6. Consumers can check whether a business holds an appropriate consumer credit licence by searching the OFT's online consumer credit register.
7. For advice on dealing with debt, see the Directgov website or visit your local Citizens Advice bureau.

[ricckybail]

Re: Cento Client Review

would like to thankyou ladies for your replies but the thanking button is missing at the moment it seems.so here is my personal thanks to you all

[Amethyst]

Re: Cento Client Review

LOANCHECK - Loancheck Foundation Ltd - Severn Administration Ltd CRM CRM3217

possibly (theres a thread in this forum)


Not sure whats happened to your thanks button, but thank you for your thanks lol

[RedRose]

Re: Cento Client Review

Hi
Just thought I would post an update, having been chasing Cento client for something in writing before agreeing to pay the £300 they asked for to pass 3 of my accounts to Forbes DouglasI have now received a letter from them dated yesterday stating (and I dont have a scanner so sorry I've typed it)
"We have conducted our preliminary assessment of your potential claim/s and we can confirm that we are able to provedd with the claim/s process for one or more of your claim/s. This means we can now pass your claim/s to our agents at LEGAL REDRESS Ltd who specialise in handling financial claims. LEGAL REDRESS will act for you as our agents, we have chosen them because of their track record in getting our clients compensation payments quickly and efficiently"
They have sent some confirmation forms for info previously sent and a letter to sign which they will send to the Financial Ombudsman Service.
No request for additional payment.
Anyone heard of LEGAL REDRESS Ltd?
Off to read the 2 pages of small print now!!!
Linda.

[TUTTSI]

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

[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 !


------------------------------- merged -------------------------------


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.

[TUTTSI]

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

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.

[TUTTSI]

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.