Hi i would like some advice please if possible, back in 2019 i filled in a ppi check with a company called ingenious legal, i never heard anything back from them received any terms or conditions etc etc anyway about 6 weeks later i did another online check with another CMC who then sent me the terms and digital signed paperwork. the next thing i know 5 months later i get payment for 28 pounds from MBNA, this was initiated by Ingenious legal so i called and paid them as they also sent me a bill, i then back in feb 2020 thought i am sure i cant have 2 companies acting on my behalf so i emailed them withdrawing authority and that i had not even seen any terms and conditions or signed paperwork. i never heard anything back other than an automated email saying they would be in contact within 72hrs.
I then get a letter from my bank saying that they have received 2 letters of authority from ingenious legal and the other CMC and that they will not deal with any of them until i tell them which one but would deal with me direct. i did not tell them to deal with any and left it like that. the bank then sent me lots of paperwork to fill out which i did and they then sent me a letter saying this has been successful and paid money direct to my bank account.
I in the meantime sent another email to ingenious legal saying that i had previously emailed and heard nothing but again reiterated that my authority was withdrawn. again got the same automated email but never a reply other than that and have heard nothing since from them been a year now since my second email.
Today i have received a letter from the second CMC demanding i tell them details of the payments made by my bank and if i dont have the letters that i need to fill in 2 more letters of authority, so they can go back to the bank and get the details.
I called my bank and asked what info they had supplied to them, they said all they did is confirm there was 2 ppi but have refused to deal with them due to 2 CMC sending letters and won't deal with them unless i authorise this.
my question is where do i stand, they do not know what i have been paid as i dealt direct with the bank and filled in all there paperwork, only that there was 2 accounts with ppi. i am not filling in any other authorities as they request, they only asked if there was PPI which to me is just a check and have done no more than that as the bank refused to deal with them but they know they have been settled direct with me but not the amounts.
the second CMC is called fast track reclaim. can anyone advise where i stand as they are saying i need to supply either the letters i received when it was settled or sign new authority's for the 2 ppi claims i was paid on or they will enforce legal disclosure through a solicitors.
any advice is appreciated i don't want to pay 2 bills if ingenious legal show there heads again in the future. starting to stress now i've received this threatening letter.
I then get a letter from my bank saying that they have received 2 letters of authority from ingenious legal and the other CMC and that they will not deal with any of them until i tell them which one but would deal with me direct. i did not tell them to deal with any and left it like that. the bank then sent me lots of paperwork to fill out which i did and they then sent me a letter saying this has been successful and paid money direct to my bank account.
I in the meantime sent another email to ingenious legal saying that i had previously emailed and heard nothing but again reiterated that my authority was withdrawn. again got the same automated email but never a reply other than that and have heard nothing since from them been a year now since my second email.
Today i have received a letter from the second CMC demanding i tell them details of the payments made by my bank and if i dont have the letters that i need to fill in 2 more letters of authority, so they can go back to the bank and get the details.
I called my bank and asked what info they had supplied to them, they said all they did is confirm there was 2 ppi but have refused to deal with them due to 2 CMC sending letters and won't deal with them unless i authorise this.
my question is where do i stand, they do not know what i have been paid as i dealt direct with the bank and filled in all there paperwork, only that there was 2 accounts with ppi. i am not filling in any other authorities as they request, they only asked if there was PPI which to me is just a check and have done no more than that as the bank refused to deal with them but they know they have been settled direct with me but not the amounts.
the second CMC is called fast track reclaim. can anyone advise where i stand as they are saying i need to supply either the letters i received when it was settled or sign new authority's for the 2 ppi claims i was paid on or they will enforce legal disclosure through a solicitors.
any advice is appreciated i don't want to pay 2 bills if ingenious legal show there heads again in the future. starting to stress now i've received this threatening letter.
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