lifestyle claims ppi

Re: lifestyle claims ppi

I sent them a complaint via their online complaints form. I'll wait to hear back. Do you know the address to write to the CEO of Lloyds?

Lloyds Banking Group
Mr Antonio Osorio	Chief Executive
Email	antonio.osorio@lloydsbanking.com
Telephone	0207 626 1500
Website	http://www.lloydstsb.co.uk
Twitter	@AskLloydsBank
Address	25 Gresham Street, London, EC2V 7HN, UK
Company Number	SC095000

Lloyds Banking Group
Ms Alison Brittain	Head of Retail Banking
Email	alison.brittain@lloydsbanking.com
Telephone	0207 626 1500
Website	http://www.lloydstsb.co.uk

[nick71]

Re: lifestyle claims ppi

I would write to the CEO of Lloyds and ask them to investigate why they have not responded to your request. I often find the CEO's office much more pro-active than customer services. Send them the evidence of the letter you sent and advise that you have not had the decency of a response.

I sent them a complaint via their online complaints form. I'll wait to hear back. Do you know the address to write to the CEO of Lloyds?

Re: lifestyle claims ppi

I would write to the CEO of Lloyds and ask them to investigate why they have not responded to your request. I often find the CEO's office much more pro-active than customer services. Send them the evidence of the letter you sent and advise that you have not had the decency of a response.

[EXC]

Re: lifestyle claims ppi

I suggest you chase up a response to the letter before complaining.

[nick71]

Re: lifestyle claims ppi

Just a quick update. I have now just received a £352.49 refund (plus interest to follow) from Capital One for upfront fees paid on my credit card to Lifestyle Claims via Section 75. Many thanks again to the folks on this forum for their advice. I also sent Lloyds a letter requesting a refund via chargeback on the 4x £352.49 payments that I made on my debit card. I have never had a reply or heard anything back from them. It was always a bit of a long shot with the debit card payments given the length of time since the transaction (November 2010) but are they obliged to at least reply to my letter that I sent in May? Is there any course of action I can now take i.e. contact the FOS? Thanks Nick

Here's what I sent to Lloyds in May ;-

"Dear sir/madam,

In November 2010, I made 2 payments to a financial claims service (Lifestyle Claims) at a cost of 1409.96GBP

12 Nov 10 - Client Connection CD xxxx DEB 352.49
16 Nov 10 - Client Connection CD xxxx DEB 1057.47

The financial claims service was never delivered, despite correspondence to the company dated 22nd November 2011, 17th August 2012, 25th August 2012 and 28th August 2012.

I’ve now discovered that Lifestyle Claims has recently gone into liquidation. The UK Cards Association state that as the company I paid went out of business before supplying me with the service I am able to apply via Chargeback. As I am now a resident in Australia I only became aware of this liquidation several weeks ago and I am, therefore, within the 120 day time limit for making such a claim. I am, therefore, writing to request a refund of the above amounts under the Chargeback Scheme rules.

I look forward to your prompt response."

[EXC]

Re: lifestyle claims ppi

I think that in order to go to FOS you'd need to firstly go through Lloyds complaints procedure so I would complain to Lloyds for not responding to your chargeback claim in the first instance.

[nick71]

Re: lifestyle claims ppi

Hi EXC,

Just updating you on my situation with Synergy. I sent them a formal complaint with the points that you raised in post #122 and finally got the following reply :-

"As you are already aware from previous correspondence, we worked as an agent (sub-contractor) for Lifestyle Claims. This arrangement ended in 2012 and we gave clients the opportunity to move their outstanding claims over to ourselves by signing our own terms of business. All clients that did not wish to do so were removed from our system.


On checking your file, I note that you have not returned our Terms of Business and you should have also been included in the group of clients that was deleted. You should not have received any further service or correspondence from ourselves.
Please accept my apologies for this error. Your file has now been closed on our system and you will not receive any further correspondence from us. If you have any ongoing issues relating to the fees that you paid to Lifestyle Claims, please contact the company that is now administering their cases - Redhawk Legal on 0844 669 0300.


With regard to your statement that we are a dissolved MOJ entity, please note that Gravity was simply an old unused trading name that was removed from our authorisation. We remain authorised under number 19138 which you can see at https://www.claimsregulation.gov.uk/...y=-1&status=-1


Regards,

Tony Gioserano (Director)"

So hopefully I won't receive any more demands for payment. I did actually get one a few days ago threatening court action but this was sent before the above email - as I'm in Australia in took 7 days to get to me via post. I find it strange that they state that I was on their system by error. As stated in a previous post they sent me the first demand for payment in January 2013 and then a few weeks later sent the documentation asking me to sign over to their T&Cs.

Thanks again for your help. I hadn't been on here I may have incorrectly paid their fee demand just to get them off my back - especially when they threatened court action.

I'll let you know how I get on with the Credit Card/Debit Card payments.

Just a quick update. I have now just received a £352.49 refund (plus interest to follow) from Capital One for upfront fees paid on my credit card to Lifestyle Claims via Section 75. Many thanks again to the folks on this forum for their advice. I also sent Lloyds a letter requesting a refund via chargeback on the 4x £352.49 payments that I made on my debit card. I have never had a reply or heard anything back from them. It was always a bit of a long shot with the debit card payments given the length of time since the transaction (November 2010) but are they obliged to at least reply to my letter that I sent in May? Is there any course of action I can now take i.e. contact the FOS? Thanks Nick

[EXC]

Re: lifestyle claims ppi

Ok thanks - that's useful.

Your credit card provider asking you for proof that the fees you paid were refundable is a bit of a red herring.

The UK cards association state that:

You are legally entitled to get your money back if:

• what you bought turns out to be faulty;

• the company you bought the product or service from breaks
their contract with you (for example they go out of business); or

• the company you bought the product or service from don’t deliver
what they have promised.


http://www.theukcardsassociation.org...uide(1)(1).pdf

Clearly your case satisfies both the 2nd & 3rd scenarios so I would go back to your card provider pointing this out and enclose the e-mail from MOJ making particular reference to the 2nd paragraph where it says ''On 5 October 2012, Client Connection Limited surrendered their authorisation to conduct regulated claims management services. This means that they can not continue with any regulated claims management services, and can not fulfill their obligations to you under the contract.''

I'll talk to you soon re Redhawk.

[enaid]

Re: lifestyle claims ppi

Which also raises the question, if "we cannot advise you in regards to any fees paid to Lifestyle claims as your account was closed prior to them entering administration so we do not hold any paperwork for the account"... how the dickins do they know what service I did/didn't receive, or what/how many claims I was making, to start asking me for payment!? Smells a bit too much like they're "chancing it" for my liking.

Not 'alf lol

[stuffed]

Re: lifestyle claims ppi

Then to Redhawk Legal Ltd, I wrote the following email (which is pretty much what I wrote in my original post);
"To whom it may concern,

I received a telephone call from Lifestyle Claims around June time last year with regards to claiming back money on missold PPI cover. After being given a Ministry of Justice authorisation number, I decided to take on their services, to which I was told I would need to pay an admin fee of around £300, which I duly paid, having been told I was actually entitled to a substantial amount of compensation, that would far out-weigh the admin fee.
I was then called a day or two later, with the proposition that if I paid a fee to cover the lawyers fees up front, my case would be dealt with quickly and was promised that I would be reimbursed the lawyers fees regardless of whether my claim(s) was/were successful. Having gained my trust, I authorised four payments of £719.96 to be debited from my credit card on 19th June 2012, having been given assurance that I would get the money back regardless of my success.

I was constantly fobbed off and told to ring back in another 4 weeks, when there should be an update on my claims (which there obviously never was), however during the latter end of August 2012 and October 2012, I couldn't make contact with Lifestyle Claims at all via the telephone.

I have since been informed that you, Redhawk Legal, have now taken over Lifestyle Claims' clients who have now done into administration, so I am contacting you to enquire as to how I get my four payments of £719.96 reimbursed, that I was promised I would get back regardless of my success.

Kind regards,"

They replied with...

"Dear **
Thank you for your email. Unfortunately we cannot advise you in regards to any fees paid to Lifestyle claims as your account was closed prior to them entering administration so we do not hold any paperwork for the account. If you paid them using a credit card you may be afforded by the protection offered by section 75 of the consumer credit act, you will need to contact your credit provider directly to see if you are covered by this. If your card provider cannot assist you please contact Sharma & Co the administrators of Lifestyle claims on 0121 454 2700 where it may be possible to become a creditor of the company if the closing time for claims has not elapsed but you will need to again contact them directly as we cannot assist you any further.

Kind Regards
Red Hawk Legal
6A Prospect Place, Swansea, SA1 1QP
Tel :- 0844 66 90 300
Customercare@redhawklegal.co.uk
http://www.redhawklegal.co.uk"


Which also raises the question, if "we cannot advise you in regards to any fees paid to Lifestyle claims as your account was closed prior to them entering administration so we do not hold any paperwork for the account"... how the dickins do they know what service I did/didn't receive, or what/how many claims I was making, to start asking me for payment!? Smells a bit too much like they're "chancing it" for my liking..

[enaid]

Re: lifestyle claims ppi

Please note that if the business has completed their service, and settlement has been made then the business will still be entitled to their success fees.

But you wont be entitled to a return of your upfront fee, your only chance is the S75. Can't lose can they?

[stuffed]

Re: lifestyle claims ppi

I'm not sure whether I filled out an online query form or anything (it was a fair few months ago), but this is all I found in my inbox;

To: general.queries@justice.gsi.gov.uk

"Dear Sir/Madam,

I've recently been informed that Lifestyle Claims (who took over £2000 of my money upfront, for PPI claims procedure) have gone into administration.
I have spoke to the company who have took over from Lifestyle Claims (Redhawk Legal Ltd), but they were not willing to refund the £2000+ that Lifestyle Claims said they would refund to me.

How do I go about getting my money back!?

Kind regards,"

They replied the next day with:

Dear **,

[CT.*****.******]

Claims Management Regulation –Client Connection Ltd

I refer to your complaint against Client Connection Limited trading as Lifestyle Claims. This business also traded under the previous trading styles of CCR, Money Claiming Experts and Cento Client Review.

On 5 October 2012, Client Connection Limited surrendered their authorisation to conduct regulated claims management services. This means that they can not continue with any regulated claims management services, and can not fulfil their obligations to you under the contract. Please note that if the business has completed their service, and settlement has been made then the business will still be entitled to their success fees.

On 9 October 2012, Client Connection entered administration and Sharma Associates Limited trading as Sharma and Co were appointed to the administrators. Their role is to attempt to resolve any outstanding problems with the business.

You may have paid an up front fee to this business, whether you can get this money refunded to you is dependent on how you paid the fee.

Credit Card

If you paid an upfront fee which is over £100 then you will be able to make a claim to your credit card provider under section 75 of the Consumer Credit Act 1974.

Your credit card provider is jointly and severably liable for the breach of contract. I would therefore suggest contacting your credit card provider to request a refund under section 75 of the Consumer Credit Act 1974.

On some occasions, credit card providers have rejected these claims. In these circumstances you are able to appeal their decision through the Financial Ombudsman Service (FOS). The FOS can be contacted on 0800 023 4567.
If your claim for a refund is rejected by both your credit card provider and the FOS, please contactthe administrators of Client Connection Limited. Consumers wishing to list themselves as creditors should contact Sharma Associates Ltd trading as Sharma and Co on 0121 454 2700 or emailrecover@sharmaandco.com

Debit Card

If you have paid your upfront fee by debit card, you may be able to obtain a refund by requesting a ‘Chargeback’. This is not guaranteed, and it is dependent on your bank. Generally, you have 120 days after you realise that there is a problem to make a claim.

On some occasions, debit card providers have rejected these claims. In these circumstances you are able to appeal their decision through the Financial Ombudsman Service (FOS). The FOS can be contacted on 0800 023 4567.

If your claim for a refund is rejected by both your debit card provider and the FOS, please contactthe administrators of Client Connection Limited. Consumers wishing to list themselves as creditors should contact Sharma Associates Ltd trading as Sharma and Co on 0121 454 2700 or emailrecover@sharmaandco.com



Cash, Cheque, Standing Order, Direct Debit

Please contactthe administrators of Client Connection Limited. Consumers wishing to list themselves as creditors should contact Sharma Associates Ltd trading as Sharma and Co on 0121 454 2700 or emailrecover@sharmaandco.com

For your convenience, I have enclosed a factsheet which has further details and telephone numbers for agencies who may be able to assist you.


Yours sincerely


Duty Officer| Claims Management Officer | Claims Management Regulation Unit|57-60 High Street,Burton-on-Trent, Staffordshire DE14 1JS | Telephone: 01283 233309 | Fax: 01283 233335 | Email: consumer@claimsregulation.gov.uk |www.justice.gov.uk/claims-regulation"

[EXC]

Re: lifestyle claims ppi

Ok.

Can we see the e-mail you sent to MOJ in November and their response please - this is important. You can just copy & paste them here on the thread.

I'm going to try and help you with this and get your money back.

[stuffed]

Re: lifestyle claims ppi

But I didn't sign up/anything for Redhawk, only Lifestyle claims. I read further up in the thread that the latter allowed the license to lapse before Redhawk took over, therefore the invoice is unenforceable?

[enaid]

Re: lifestyle claims ppi

They will not see your claim as 'From your own doing' while you were contracted to them, that is why they are asking for money now,