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Hi There,
I am hoping someone can help?
Some time ago my parents received a very official looking letter making claims that a financial body was awarding them money for PPI paid on a very old credit agreement, the letter claimed that a refund would be forthcoming. Nothing followed for some time then another letter came stating an amount and that the cheque would be sent soon. All the numbers seemed right but as it stated info would be sent my parents didn't reply.
Nothing appeared.
Bank Smart then sent an "invoice" for a few hundred pounds. They sent a chaser letter so my parents emailed Bank Smart and sent them a letter saying they have not agreed for them to work on their behalf and have never received any "settlement" to be billed on.
MSI Collections have now started to chase this "debt"
We're wracking our brains but are sure nothing has been signed, I have read into Bank Smart a little and have seen that they pick up "third party" agreements and my parents did look into trying to claim back the PPI on this agreement a long time ago to be told it was too long ago (not with Bank Smart), again we're sure that nothing was signed for any claims management company to do work on their behalf though. As mentioned above we did contact Bank Smart to ask for evidence of an agreement and to let them know a mistake had been made as they'd never received a PPI refund from anyone.
i want to start an official complaints process so this can be sent onto the MOJ etc if there is no resolution.
Is it advisable to write/email a complaint stating there is no agreement and saying we've asked for one before and you haven't sent any evidence so stop contacting us or provide signed t's and c's to prove we are liable for the "invoiced" amount. Or is it best to just state there is no agreement and ask for confirmation this wont be chased?
These guys seem pretty hardcore and appear to be relying on people just coughing up!
Thanks in advance.
D6
I am hoping someone can help?
Some time ago my parents received a very official looking letter making claims that a financial body was awarding them money for PPI paid on a very old credit agreement, the letter claimed that a refund would be forthcoming. Nothing followed for some time then another letter came stating an amount and that the cheque would be sent soon. All the numbers seemed right but as it stated info would be sent my parents didn't reply.
Nothing appeared.
Bank Smart then sent an "invoice" for a few hundred pounds. They sent a chaser letter so my parents emailed Bank Smart and sent them a letter saying they have not agreed for them to work on their behalf and have never received any "settlement" to be billed on.
MSI Collections have now started to chase this "debt"
We're wracking our brains but are sure nothing has been signed, I have read into Bank Smart a little and have seen that they pick up "third party" agreements and my parents did look into trying to claim back the PPI on this agreement a long time ago to be told it was too long ago (not with Bank Smart), again we're sure that nothing was signed for any claims management company to do work on their behalf though. As mentioned above we did contact Bank Smart to ask for evidence of an agreement and to let them know a mistake had been made as they'd never received a PPI refund from anyone.
i want to start an official complaints process so this can be sent onto the MOJ etc if there is no resolution.
Is it advisable to write/email a complaint stating there is no agreement and saying we've asked for one before and you haven't sent any evidence so stop contacting us or provide signed t's and c's to prove we are liable for the "invoiced" amount. Or is it best to just state there is no agreement and ask for confirmation this wont be chased?
These guys seem pretty hardcore and appear to be relying on people just coughing up!
Thanks in advance.
D6
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