Latest Update on PPI Judicial Review - NO APPEAL - get your claims in......

[Garlok]

Re: Latest Update on PPI Judicial Review - NO APPEAL - get your claims in......

Hello roffster,

I hear what you say, however I don't think that all of this is "CMC bashing". The so called industry of CMCs has given itself a bad name. Take a good look around this WHOLE forum alone and look at the companies that have NOT done the right or proper thing by their clients DESPITE being authorised by the Ministry of Justice. Far from being the regulator and arbiter in these matters as you have implied, they will tell a comlainant to go to Trading Standards or the OFT they will not deal directly with complaints made to them about CMCs by the general public. All you have to do is read all of it not just the bits that suit.

On here at the moment how about DMS, Centro et al alone, how about more seriously the scandal and debacle of Cartel Client Review etc etc. which contributed to the undermining of very important judgments made in the Carey v HSBC cases?

Very sorry if you are offended but I think these forums are about shared experiences and the solutions we have all used and found, it is a broad church and shoudl be used and treated as such.

In fact a proper approach to a specialist lawyer will reveal lower fees, more authority on the subject, ( they are actually officers of the court by definition) and very serious regulation from more than one quarter should they not do their job properly. This includes BEST ADVICE on an individual's case not what is best for the company coffers and also includes in more complex issues of NOT engaging a CMC to act for you who WILL require in thoise complex issues properly qualified legal professionals as the CMC alone is nOT allowed to represent anyone in a court of law.

And that is where we came in.

regards
Garlok.

[tatty27]

Re: Latest Update on PPI Judicial Review - NO APPEAL - get your claims in......

Hi,

Firstly I must say what a great thread this has been. I have been lurking for several months reading this thread as it has been the best way to find out what was going on so for that I must say thank you.

However, I have finally registered because I feel I have to add my 10p worth to the discussion about using CMCs.

I started trying to get my money back from RBS 2 years ago and at every step I took I was lied to in an attempt to stop me from claiming. I rather foolishly didn't have the account numbers for some of the affected accounts as they were paid off and I didn't think I'd need them any more.

When I called Natwest to ask for account numbers I was told I'd have to go into a branch to get the details. At the branch I was told I'd have to call customer services. I went home and tried to call but was told I'd have to call another number which was non existent. When I finally did get through to the right people I was told that they couldn't give me the information I wanted because they don't keep account details for accounts that are closed. I knew this was a lie and after getting passed from pillar to post and being treated like an idiot I felt I had no option than to enlist the help of someone who knew what my rights were and what to ask for, that's why I used a CMC.

Even when I had a solicitor acting on my behalf they still messed me about. They told us I had to pay £10 for my account details, which I did and 6 weeks later they sent just about every bit of paper they could find my name on except the loan agreements. When we confronted them about this RBS said we hadn't asked specifiacally for that and I'd have to pay again and we waited another 6 weeks for the rest which was still missing information. Forunately my solicitor felt he had enough information to pursue all 5 of my claims.

Finally, after two years, RBS paid out on two of them on Christmas eve last year, the other three had been put on hold pending the court case for reasons they could'nt give me.

This is why people use CMC's, not because they are too lazy to do it themselves, but because the banks hope that messing people around they will eventually give up. I have to admit that if I hadn't had the help I did I would have given up. Fortunately my CMC wasn't too bad, wanting 20% of the final result which, incedently is in the thousands.

Laslt, I just thought I'd let you know I have just spoken to RBS and they have told me that claims are still on hold until they have decided what they are going to do. They will write to me (one day) to let me know. In the meantime RBS have not paid me any interest on the money they owe me even though I paid interest on it as it was added to my loan at the beginning which I think is disgusting.

[Dukeydogg]

Re: Latest Update on PPI Judicial Review - NO APPEAL - get your claims in......

As PF has said, DD, you appear to have found a half-decent CMC. Well done, you.

Maybe we can start the list with them...

EDIT - Just read Roffster's post. Maybe another candidate, even...!!!

Thank You! Maybe i should see how things progress before i start recommending them!

Dukeydogg,
For the record, all CMC's are regulated by the Ministery of Justice. If not they are acting illegally.
Good luck with your claim.

Thanks!!

Dukey

Get on to your CMC today (by writing only) and find out what they are doing for you?

They have the green light so they should be able to get your claim processed quickly.

I am not trying to scare you or anyone else, you are already committed to a CMC and you cannot change this, but anyone now coming along now that wants to make a claim do not have to use a CMC.

I emailed them about 6 months ago and still not had a response Lol!! I've found that they are the sort of company who dont answer the phone - just pick up messages or dont reply to emails. BUT when you do catch someone, they are very forthcoming and helpfull. He even gave me his mobile number so i could call him direct for updates. Not sure if its a one man band or something bigger!

[leclerc]

Re: Latest Update on PPI Judicial Review - NO APPEAL - get your claims in......

BBC - Peston's Picks: The big PPI lesson for banks

Peston blog

[Angry Cat]

Re: Latest Update on PPI Judicial Review - NO APPEAL - get your claims in......

The next problem will be getting back all the interest as well as the PPI premiums;
Banks only want to refund the simple interest. Which of course, will not take things back to the status quo...

[tatty27]

Re: Latest Update on PPI Judicial Review - NO APPEAL - get your claims in......

The next problem will be getting back all the interest as well as the PPI premiums;
Banks only want to refund the simple interest. Which of course, will not take things back to the status quo...

RBS have been paying back just premiums paid with no interest, if you want interest you had to take it to the FSO.

Did the new ruling say they have to pay interest? Also, what about the interest paid by us when the full cost of the PPI was added on to the loans etc?

[Garlok]

Re: Latest Update on PPI Judicial Review - NO APPEAL - get your claims in......

Which is a fundamental requirement of the Common Law of Contract AC as you know.

regards
Garlok

[enaid]

Re: Latest Update on PPI Judicial Review - NO APPEAL - get your claims in......

Thank You! Maybe i should see how things progress before i start recommending them!


Dukeydog good luck to you with your claim via a cmc, please note though, this site is not here to recommend any such company although we do like to hear of peoples successes with them. We are here to help people help themselves and we will continue to do so.





I emailed them about 6 months ago and still not had a response Lol!! I've found that they are the sort of company who dont answer the phone - just pick up messages or dont reply to emails. BUT when you do catch someone, they are very forthcoming and helpfull. He even gave me his mobile number so i could call him direct for updates. Not sure if its a one man band or something bigger!

This seems to be the norm sadly and is what gives them such a poor reputation and makes people turn to sites like this one to help them.

[charitynjw]

Re: Latest updates on PPI No Appeal more to follow soon

duncan ouesley thats a name we,ll remember for a long time,a decent honourable man i,d take my hat off to you sir but nattie and ac have eaten it lol

http://familyfun.go.com/recipes/madelines-hat-686156/ lol

[Bill-K]

Re: Latest Update on PPI Judicial Review - NO APPEAL - get your claims in......

...anyone now coming along now that wants to make a claim do not have to use a CMC.

I thoroughly agree, Tuttsi, and "For the avoidance of any doubt" - I still recommend that people construct and launch their own claims for PPI with the assistance of forums such as this. However, they must be aware that we can only ASSIST them with their claims. If they are not able - or prepared - to learn about the subject, then they cannot expect us to do all the work for them. What WE do here is for free - and we each have only so much time to give. Claimants must be prepared to put in AT LEAST as much time as we do.

[Angry Cat]

Re: Latest Update on PPI Judicial Review - NO APPEAL - get your claims in......

RBS have been paying back just premiums paid with no interest, if you want interest you had to take it to the FSO.

Did the new ruling say they have to pay interest? Also, what about the interest paid by us when the full cost of the PPI was added on to the loans etc?

I am well versed with the tactics employed by RBS...:beagle:
------------------------------- merged -------------------------------

I thoroughly agree, Tuttsi, and "For the avoidance of any doubt" - I still recommend that people construct and launch their own claims for PPI with the assistance of forums such as this. However, they must be aware that we can only ASSIST them with their claims. If they are not able - or prepared - to learn about the subject, then they cannot expect us to do all the work for them. What WE do here is for free - and we each have only so much time to give. Claimants must be prepared to put in AT LEAST as much time as we do.

Unfortuanately, some people are too lazy?
some cannot even be bothered to write a letter, preferring rather to rely on templates.

Sorry!

[TUTTSI]

Re: Latest Update on PPI Judicial Review - NO APPEAL - get your claims in......

Well 6 months has passed, you need to write to them again today requesting the status of your claim. Waiting is not an option imho.

Are they still in business is they are not answering the phone?

You still have not given us the name of this CMC?
Being authorised by the MOJ imho does not mean a thing. They have allowed far too many CMC's to get away takin peeps money before suspending or cancelling their authorisation. The MOJ earn out of the CMC's so they are not in a hurry to close them down.

Thank You! Maybe i should see how things progress before i start recommending them!



Thanks!!



I emailed them about 6 months ago and still not had a response Lol!! I've found that they are the sort of company who dont answer the phone - just pick up messages or dont reply to emails. BUT when you do catch someone, they are very forthcoming and helpfull. He even gave me his mobile number so i could call him direct for updates. Not sure if its a one man band or something bigger!

[Bill-K]

Re: Latest updates on PPI No Appeal more to follow soon

duncan ouesley thats a name we,ll remember for a long time,a decent honourable man i,d take my hat off to you sir but nattie and ac have eaten it lol

Truly a hero, I agree, Cappo. But I'm sure he would simply insist that he could not - as a decent man - stand by and see justice denied.

So - I raise my glass to decency, and to British justice. My faith in both have been renewed.

[di30]

Re: Latest Update on PPI Judicial Review - NO APPEAL - get your claims in......

Just got here now and WOW, so happy!

Yes our hunches were right! Fantastic.

Time to get your claims sorted folks, chase them up if you have ongoing ones.

Absolutely wonderful!

[Dukeydogg]

Re: Latest Update on PPI Judicial Review - NO APPEAL - get your claims in......

Well 6 months has passed, you need to write to them again today requesting the status of your claim. Waiting is not an option imho.

Are they still in business is they are not answering the phone?

You still have not given us the name of this CMC?

Yes, i believe they are still in business.

Out of interest, i called them last night and they have updated their answer message, saying 'following the decision on April 20th they hope claims will now start being assessed and decisions coming very soon. And will contact people blah blah blah, '

I dont know if i will be breaking any rules by disclosing their name! :noidea: