PPI Invoice Dispute

[Legoman1985]

Hi, I am new to this community so please bear with me.

I made a PPI claim through a 3rd party claims company which was unsuccessful. I received an invoice from the claims company several months later for £150 inc vat (this is the value of the work undertaken, apparently) which stated that I should pay them even though they have a "no win, no fee" due to "it becoming apparent that I have already tried to claim my PPI back without advising them of this". Now, this is incorrect as I distinctly remember me informing their telephone operator at the time that I had previously tried to reclaim my PPI back before which was unsuccessful, for which the telephone operator informed me that they can try again for me as they may have a better outcome due to it being their expertise. Now, what I am seeking help and guidance on is what should my next steps be? How do I go about disputing the invoice as I believe it is incorrect and I have been 'duped'. Should I choose to ignore the letter from the claims company? Will they threaten court proceedings if I do not pay? Am I liable for this invoice? On the invoice it does not state a payment term i.e. this invoice is to be paid in X amount of days.

Any help or advice would be much appreciated.

Many thanks in advance.

[Amethyst]

Re: PPI Invoice Dispute

Is it Bank Smart ?

I would respond to them along the same lines as what you have told us here, word the response as a formal complaint and then you can take it to the ombudsman later if needed.
Had they sent you a letter stating why their attempt at claiming was unsuccessful ? ie was it because there wasn't any PPI or another reason ?
How do they know that you tried to reclaim previously if you hadn't told them at the start (as they claim you didn't) ? ( had the bank turned down the claim mentioned it? )

[Legoman1985]

Re: PPI Invoice Dispute

Hi Amethyst, no it is JPS Financial Ltd.

No, ever since I sent the documents off to them in June I had not received any correspondence (mail, email or phone) from them at all. Not even a letter stating my claim had been unsuccesful for X reason.
Then this week the invoice drops through my letterbox.

Many thanks.

[Amethyst]

Re: PPI Invoice Dispute

Urghhh okay, didn't realise they'd started going for 'work done' invoices, must have been taking lessons from BankSmart - I'd guess we'll see some more people with similar soon then.

Any chance of a scan of the letter/invoice ( with your details removed ) to help with drafting a response to it. It is best to head them off at the pass rather than just ignore so a decent response and complaint should encourage them to go away.

[Legoman1985]

Re: PPI Invoice Dispute

Hi, please see attachment.

[Amethyst]

Re: PPI Invoice Dispute

Thank you xx Do you happen to have a copy of the original terms/contract you signed with them ? ( or is it the same as is on their website currently ?)

[Legoman1985]

Re: PPI Invoice Dispute

Amethyst, I do not have a copy of the original T&Cs (due to a house break in & vehicle theft, where various documents were destroyed/taken, but I imagine they are the same as on their website.

[Legoman1985]

Re: PPI Invoice Dispute

Hi Amethyst, any guidance on any particular wording I should be looking to include within my Complaint Letter?