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PPI claims company

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  • PPI claims company

    In July 2016 I received an unsolicited call from a CMC (HA) caller quoted fee of 30%, st no time was I advised there wherevother ways to seek my PPI, in January 2017 I was awarded £8348.48 an a week later £1359.30 an total of 9708.78, I used the money to clear debts holding back £1500 which I believed would cover the CMC costs, I then received an invoice asking for £4759 for their services, 39% costs with 20% VAT, I wrote a letter stating "without prejudice save to costs" and enclosed a cheque for £1500, I received a phone call stating they where owed £8439 !!!
    I pointed out this is what I received and mentioned I had sent letter/cheque he said I see that was received and passed? I have now received 2 final red demands for £8439 and have had my cheque returned with a letter saying they won't accept my offer. I have no other money to pay them, I am on low earnings and in receipt of tax credit an housing benefits. What happens now ?
    Last edited by Billy blue; 1st February 2017, 16:14:PM. Reason: Typo
    Tags: None

  • #2
    Re: PPI claims company

    Hiya

    A couple of initial questions:

    Who is the CMC?

    Do you have the contract that you signed?

    I like your pin shot
    I keep it with your letter
    Done up in blueprint blue
    It sure looks good on you
    And when you smile for the camera
    I know I'll love you better

    Then the shutter falls
    You see it all in 3-D
    It's your favorite foreign movie

    'Peg'

    Donald Jay Fagen

    Comment


    • #3
      Re: PPI claims company

      Originally posted by Billy blue View Post
      In July 2016 I received an unsolicited call from a CMC (HA)
      If it's Harringtons Advisory they do charge 39% +VAT http://www.harringtonsadvisory.co.uk...nd-conditions/

      They're currently under investigation by the regulator https://www.claimsregulation.gov.uk/details.aspx/29496

      I like your pin shot
      I keep it with your letter
      Done up in blueprint blue
      It sure looks good on you
      And when you smile for the camera
      I know I'll love you better

      Then the shutter falls
      You see it all in 3-D
      It's your favorite foreign movie

      'Peg'

      Donald Jay Fagen

      Comment


      • #4
        Re: PPI claims company

        Will they take me to court ? As I have nothing to give in addition to £1500 I offered them, I am a housing association tennant, and my car is on HP, also I am in Northern Ireland and we have no bailiffs here

        Comment


        • #5
          Re: PPI claims company

          It is Harringtons advisory, The sent me a copy of their terms and conditions and an authorisation form that I had signed enclosed with my returned cheque and their refusal of my offer

          Comment


          • #6
            Re: PPI claims company

            Originally posted by Billy blue View Post
            Will they take me to court ? As I have nothing to give in addition to £1500 I offered them, I am a housing association tennant, and my car is on HP, also I am in Northern Ireland and we have no bailiffs here
            If what you say is correct (ie they are billing you the full amount of the refund) you need to make a formal complaint to them and if that doesn't work you can then take your complaint to the Legal Ombudsman who's decision is legally binding.

            I would be happy to help you draft a complaint but I'd like to see the first invoice for £4759 and the second one for £8439 and the letter returning your cheque. You can either post them up here or e-mail them to me at nickspooner@legalbeagles.info
            Last edited by EXC; 31st January 2017, 18:08:PM.

            I like your pin shot
            I keep it with your letter
            Done up in blueprint blue
            It sure looks good on you
            And when you smile for the camera
            I know I'll love you better

            Then the shutter falls
            You see it all in 3-D
            It's your favorite foreign movie

            'Peg'

            Donald Jay Fagen

            Comment


            • #7
              Re: PPI claims company

              I will get them copied tomorrow and email them to you thanks for your help

              Comment


              • #8
                Re: PPI claims company

                Originally posted by Billy blue View Post
                I will get them copied tomorrow and email them to you thanks for your help
                No probs and don't worry. It's highly unlikely they's be stupid enough to issue procceedings knowing that they are attempting to overcharge you. The only thing is that according to what you've said you got a total of £9779 in compensation so even at 30% you would owe them £2933 + the VAT = £3520.

                I like your pin shot
                I keep it with your letter
                Done up in blueprint blue
                It sure looks good on you
                And when you smile for the camera
                I know I'll love you better

                Then the shutter falls
                You see it all in 3-D
                It's your favorite foreign movie

                'Peg'

                Donald Jay Fagen

                Comment


                • #9
                  Re: PPI claims company

                  When cheques cleared I got carried away clearing debts an credit cards, when invoice arrived I had only £1500 left, I saw a template letter on here saying make them an offer without prejudice and did so but the refused the offer

                  Comment


                  • #10
                    Re: PPI claims company

                    I had also read this on a debt free site :

                    "Actually you shouldn't be paying any fees as the law on this is quite specific, so get into the consumer legislation.

                    Under current legislation any PPI claims firm must make the claim on your behalf and give you the full reimbursement you are entitled to; they then submit another claim to the bank for their fees as they are charged separately, and directly to the bank, not you.

                    This is exactly the same way as no win, no fee works, you get 100% of your money and the bank gets hit for the costs of their unlawful actions."

                    Comment


                    • #11
                      Re: PPI claims company

                      Ok well let's get the complaint in and dealt with first and then we can deal with any shortfall issues. If there's anything else you could send me that you think would be useful then by all means do so.

                      I like your pin shot
                      I keep it with your letter
                      Done up in blueprint blue
                      It sure looks good on you
                      And when you smile for the camera
                      I know I'll love you better

                      Then the shutter falls
                      You see it all in 3-D
                      It's your favorite foreign movie

                      'Peg'

                      Donald Jay Fagen

                      Comment


                      • #12
                        Re: PPI claims company

                        "Actually you shouldn't be paying any fees as the law on this is quite specific, so get into the consumer legislation.

                        Under current legislation any PPI claims firm must make the claim on your behalf and give you the full reimbursement you are entitled to; they then submit another claim to the bank for their fees as they are charged separately, and directly to the bank, not you.

                        This is exactly the same way as no win, no fee works, you get 100% of your money and the bank gets hit for the costs of their unlawful actions."
                        Sorry but that's not true I'm afraid.

                        I like your pin shot
                        I keep it with your letter
                        Done up in blueprint blue
                        It sure looks good on you
                        And when you smile for the camera
                        I know I'll love you better

                        Then the shutter falls
                        You see it all in 3-D
                        It's your favorite foreign movie

                        'Peg'

                        Donald Jay Fagen

                        Comment


                        • #13
                          Re: PPI claims company

                          That's the documents emailed

                          Comment


                          • #14
                            Re: PPI claims company

                            Hi Billy

                            Thanks but unfortunately the images are very small and too blurry to read when I zoom in. Can you send them in a bigger format?

                            I like your pin shot
                            I keep it with your letter
                            Done up in blueprint blue
                            It sure looks good on you
                            And when you smile for the camera
                            I know I'll love you better

                            Then the shutter falls
                            You see it all in 3-D
                            It's your favorite foreign movie

                            'Peg'

                            Donald Jay Fagen

                            Comment


                            • #15
                              Re: PPI claims company

                              I will resend within the hour

                              Comment

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                              INFORMATION

                              Claims Management Compare CMCs
                              Before using a claims management company make sure you DO YOUR RESEARCH. Firms can charge up to 50% of any refund you might be due.


                              LegalBeagles helps you compare CMCs on price and ratings of claims management companies that offer to help reclaim PPI (Payment Protection Insurance) or other financial products.


                              If you have a problem with a Claims Management Company you can post on our consumer forum for help in the first instance.


                              To make a formal complaint you should complain to the CMC in the first instance, and if there has been no resolution within 8 weeks you can take your complaint to the Legal Ombudsman.
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