lifestyle claims ppi

Re: lifestyle claims ppi

also read here for S75 http://www.legalbeagles.info/forums/...mer-credit-act

[EXC]

Re: lifestyle claims ppi

I have now managed to look for the paperwork, I have a 'PPI reclaim pack' from lifestyle claims dated 08th November 2010. I've no record of the upfront fee I paid. I paid with my egg card which the account was taken over by barclaycard just over a year ago.
Do I try and reclaim these fees from barclaycard or Egg?

Thanks
Jim

You'll have to call Barclaycard and ask them who the sec 75 claim should be made to as Egg credit cards were taken over by Barclaycard in 2011 I think.

Ideally you should obtain your credit card statements for the period around November 2010 to substantiate the date, payee and amount for your sec 75 claim. You can either request the statements (once you've established whether it is Egg or Barclaycard who are responsible for supplying them) by simply asking them or sending a Subject Access Request. But if it was me, in the interest of time, I'd call the credit card fraud department who might oblige more quickly.

It's important that you make the sec 75 claim soon as possible as you must make it within 120 days of when you became aware of the problem - which presumably would have been at the point that Synergy informed you that Lifestyle Claims had gone into administration.

You should make your sec 75 claim for 'breach of contract' on the basis that the fee was fully refundable but the company ceased trading before your contract was concluded http://www.theukcardsassociation.org...uide(1)(1).pdf

There's information here on making a sec 75 claim, but don't confuse it with 'chargeback' which won't apply to you http://www.which.co.uk/consumer-righ...ng-goes-wrong/

Re: lifestyle claims ppi

If you paid by your egg card it is Egg that you go to, but if barclay card took it over then try Barclaycard.

[jim66a]

Re: lifestyle claims ppi

I have now managed to look for the paperwork, I have a 'PPI reclaim pack' from lifestyle claims dated 08th November 2010. I've no record of the upfront fee I paid. I paid with my egg card which the account was taken over by barclaycard just over a year ago.
Do I try and reclaim these fees from barclaycard or Egg?

Thanks
Jim

[EXC]

Re: lifestyle claims ppi

I note that 5 (d) of Synergy's terms & conditions allow them to charge a fee even if you cancel within the 14 day cooling-off period.

This is expressly forbidden by MOJ rules which state that:

''If you cancel the agreement inside the ‘cooling off’ period, the business will not be able to charge you a fee. You will also be entitled to a refund of any up-front fee you have paid.''

http://www.justice.gov.uk/downloads/...ges-claims.pdf

[EXC]

Re: lifestyle claims ppi

Many thanks for posting that up.

You don't need to reply to Synergy but I would strongly reccomend that you complain to the MOJ compliance officer about you personal information being held and used by Synergy, which breaches the data protection act.

Here's his e-mail address c.woods@claimsregulation.gov.uk

The reason you need to do this is, as in the case of others we've advised, it will stop Synergy hounding you for money and will allow MOJ to investigate and hopefully prevent Synergy from attempting to scam others.

[jim66a]

Re: lifestyle claims ppi

Thats very interesting Lifestyle Claims sold according to the Administrators Sharma's all the data and files to Redhawk.... yet it appears they have also passed on client details to Synergy Financial. Here again I believe data protection has been breached.

Now Jim how much if any did you pay to Lifestyle Claims and what date was this paid? This is very important as Lifestyle were under a constraint by the Ministry of Justice just prior to them going into administration so it would be good to know all the information.

Have you been back to your card provider to claim back the fees which I am asuming you paid upfront as under section 75 of the consumer credit act on the basis that no service was provided to you, you can claim back the fees if paid.

My advice is do not sign these forms they cannot force you to use their service.

Yes I did pay fees upfront, I can't remeber exactly how much ar the excact dates but I think it was around £250 in 2010. I'll have a look tonight as I'm sure I kept the paperwork.
Do I need to reply at all to synergy?
When I find the paperwork I'll contact my card provider too

Many thanks
Jim

Re: lifestyle claims ppi

Thats very interesting Lifestyle Claims sold according to the Administrators Sharma's all the data and files to Redhawk.... yet it appears they have also passed on client details to Synergy Financial. Here again I believe data protection has been breached.

Now Jim how much if any did you pay to Lifestyle Claims and what date was this paid? This is very important as Lifestyle were under a constraint by the Ministry of Justice just prior to them going into administration so it would be good to know all the information.

Have you been back to your card provider to claim back the fees which I am asuming you paid upfront as under section 75 of the consumer credit act on the basis that no service was provided to you, you can claim back the fees if paid.

My advice is do not sign these forms they cannot force you to use their service.

[jim66a]

Re: lifestyle claims ppi

[jim66a]

Re: lifestyle claims ppi

Thankyou for your quick reply. I have (hopefully) posted up the new contract and letter of authority bellow.

Jim

[EXC]

Re: lifestyle claims ppi

I too had signed up to Lifestyle Claims, who successfully recovered some PPI and I paid them for it before they went into administration. However there were two outstanding claims, both with BlackHorse. When I phoned to see what was happening the phone was answered by 'Synergy Financial Solutions' who told me that they were carrying on where Lifestyle left off and had details of my outstanding claims. Blackhorse have recently paid out and I have now recieved contracts and Letters of authority to act and disclose for Blackhorse from Synergy financial solutions.
Did any contract I have stop when Lifestyle claims went into admin.?
As Synergy have sent 'new' contracts can I assume I don't have any contract to them and do not have to pay them? (they have not sent me a bill as yet)
As Synergy have also sent 'letters of authority to act and disclose' for Blackhorse, Will that mean that they will never find out that the account has been settled?
Thanks in advance

Jim

It would be helpful if you post up the new contracts that Synergy sent you, masking any personal details.

It is possible that they may find out about the Black Horse settlement unless you sign a new contract or letter of authority, you have no contractual obligations to Synergy.

[jim66a]

Re: lifestyle claims ppi

I too had signed up to Lifestyle Claims, who successfully recovered some PPI and I paid them for it before they went into administration. However there were two outstanding claims, both with BlackHorse. When I phoned to see what was happening the phone was answered by 'Synergy Financial Solutions' who told me that they were carrying on where Lifestyle left off and had details of my outstanding claims. Blackhorse have recently paid out and I have now recieved contracts and Letters of authority to act and disclose for Blackhorse from Synergy financial solutions.
Did any contract I have stop when Lifestyle claims went into admin.?
As Synergy have sent 'new' contracts can I assume I don't have any contract to them and do not have to pay them? (they have not sent me a bill as yet)
As Synergy have also sent 'letters of authority to act and disclose' for Blackhorse, Will that mean that they will never find out that the account has been settled?
Thanks in advance

Jim

Re: lifestyle claims ppi

We are really pleased that you have had no further hassles from them and if you do please contact either Exc or myself immediately.

Another member is also having some difficulty where redhawk are trying to collect £50 - they do not have a contract with Redhawk and Redhawk are threatening them with Bailiff etc.... trust me Redhawks days will be numbered pretty soon I am sure, we are determined that they should not scam the public and threaten then in the manner in which they are doing and it is outside the OFT guide lines on debt collecting especially when they do not have a signed contract. I believe they purchased a redherring from Lifestyle Claims.

hi tuttsi and exc me and my wife would like to thank you both for what you have done for us. we have not heard anymore from redhawke. once again a big thankyou to you both.

[EXC]

Re: lifestyle claims ppi

hi tuttsi and exc me and my wife would like to thank you both for what you have done for us. we have not heard anymore from redhawke. once again a big thankyou to you both.

You're welcome.

[gdd40456]

Re: lifestyle claims ppi

hi tuttsi and exc me and my wife would like to thank you both for what you have done for us. we have not heard anymore from redhawke. once again a big thankyou to you both.