lifestyle claims ppi

[009241]

Re: lifestyle claims ppi

I sent it to EXC by email as I don't know how to upload.

[009241]

Re: lifestyle claims ppi

By the way we had no loan to repay to Norton as this had been settled already.

[EXC]

Re: lifestyle claims ppi

Here are my initial thoughts:

According to the FSCS compensation notification, the claims were 2 straight forward PPI claims with Norton Finance.

You signed a conditional fee agreement (CFA) with ULL on or around 6 October 2011. In Febuary 2012 Norton Finance were declared insolvent and registered as in defualt by FSCS who then became responsible for any claims.

The CFA allows ULL to charge a success fee that is 100% of their ''basic charge''. The basic charge is defined as ''Our costs for the legal work we do on your claim for damages calculated at our standard hourly rates''. Although it is not clear, the success fee looks to be in addition to the basic charge.

As the claims were simple PPI claims which were never litigated by ULL (which means that no disbursements or court fees could have been incurred) and adjudicated on by FSCS (who themselves state that ''you do not need to claim through a solicitor....'') their fee of £3397.34 plus VAT which can only be based on an hourly rate is clearly ridiculous.

Most notably their invoice is expressed as a percentage of the value of the claim which bears no relation to the charging calculations and conditions set out in the CFA. In my view they are simply attempting to charge the fee that Lifestyle would otherwise have.

Initially I would simply respond as follows:


Dear Sirs

Ref no xxx

With reference to your invoice of 13 Febuary 2013, I note that the amount is calculated as a percentage of the value of compensation awarded.

For the avoidance of doubt, the fee conditions of my CFA agreement are to be ''calculated at our standard hourly rate''.

Therefore I would be grateful if you would issue me with an invoice that is compliant with both the CFA and Law Society requirements and details in full the work undertaken and the calculation of the amount based on your standard hourly rate.

Please be aware that if I remain dissatisfied with the content and amount of the invoice I fully intend to take the matter up with the Legal Ombudsman.

[009241]

Re: lifestyle claims ppi

Thank you for that.

Can I ask why are Redhawke chasing on behalf of ULL are they one of the same? Or are they getting a cut?

They phoned this morning using a mobile number I phoned back remembering to hide my call id and Redhawke answered the phone!

Regards
JJ

[EXC]

Re: lifestyle claims ppi

I kind of thought that ULL were chasing on behalf of Redhawk, rather than the other way round. It seems to me that Redhawk are beggining to realise that they can't get away with invoicing ex Lifestyle clients and are using ULL (at least the clients who's claims were forwarded to ULL) to give the invoices more credence.

Have you ever had a bill from Redhawk?

[009241]

Re: lifestyle claims ppi

Thank you for your help with the letter all done and waiting for signatures now and then in the Post!

It all seems really odd to me, the way that they are playing it?

No we have never received a bill from Redhawk but the way this one looks it could be from them on ULL paper you just never know!

[EXC]

Re: lifestyle claims ppi

Thank you for your help with the letter all done and waiting for signatures now and then in the Post!

It all seems really odd to me, the way that they are playing it?

No we have never received a bill from Redhawk but the way this one looks it could be from them on ULL paper you just never know!

No problem. and keep us updated.

[Martino]

Re: lifestyle claims ppi

Hello all
I have just joined this forum as my son has been fleeced by Claims Connections (in administration) and Lifestyle money a trading name of All Debt Solutions.
He is in for £1995 and they are very clever the way they hide behind the companies.
However I have an International Investigations Company that finds fraudsters (boy did they pick on the wrong person) and I am starting to investigate the directors of these companies, one of whom is the instigator of it all.
If anyone needs help let me know.
ITUS

[EXC]

Re: lifestyle claims ppi

Hello all
I have just joined this forum as my son has been fleeced by Claims Connections (in administration) and Lifestyle money a trading name of All Debt Solutions.
He is in for £1995 and they are very clever the way they hide behind the companies.
However I have an International Investigations Company that finds fraudsters (boy did they pick on the wrong person) and I am starting to investigate the directors of these companies, one of whom is the instigator of it all.
If anyone needs help let me know.
ITUS

Thanks for letting us know.

Keep us posted on what you come up with.

[TUTTSI]

Re: lifestyle claims ppi

Hi ITUS
Many thanks for taking the time to post and of course we would be very happy to learn of any findings on Lifestyle directors.

Has your son tried claiming back his his payment the made to :lifestyle of £1995 from his credit card provider under section s75 of the consumer credit act as he has not received a service.

Can you also explain how Lifestyle Money - All about debt are involved as Lifestyle Claims are in administration.

If you are contacted by Redhawk or ULL to sign any contracts can you please advise us before signing.

[009241]

Re: lifestyle claims ppi

Just to let you know that things are stil ongoing with Redhawke/ULL!!!

[EXC]

Re: lifestyle claims ppi

Just to let you know that things are stil ongoing with Redhawke/ULL!!!

Tell me about it!

Have just responded to your e-mail.

[jim66a]

Re: lifestyle claims ppi

Hi, Today we received an Invoice for the 30% of our claim from Synergy along with it were the 'letter of engagement' and 'letter of authority' that I had signed back in October 2010 for Client Connection Ltd T/as Money Claiming Experts. Am I right in that Synergy of a totally company to Money Claiming Experts as Synergy sent me their own letter of authority and terms of business to sign, which didn't get signed (as posted earlier in this thread)?

[TUTTSI]

Re: lifestyle claims ppi

Hi, Today we received an Invoice for the 30% of our claim from Synergy along with it were the 'letter of engagement' and 'letter of authority' that I had signed back in October 2010 for Client Connection Ltd T/as Money Claiming Experts. Am I right in that Synergy of a totally company to Money Claiming Experts as Synergy sent me their own letter of authority and terms of business to sign, which didn't get signed (as posted earlier in this thread)?

That invoice which they sent to you, they had no right to send you this - you do not have a signed contract with Synergy (whoever they are as I have never heard of them?) as Lifestyle Claims are NOW in administration. It was with them that you had a contract NOT Synergy. You do not have to sign the letter of authority.

Who was the claim with for your PPI with? Can you phone the bank/credit card tomorrow to advising them that you are not a client of Synergy and that you have not signed any documentation with them the company Lifestyle claims are in administration and that your claim for compensation should be forwarded directly to you. You also do not have to pay the 30% invoice as you do not have a contract with them.

If you can post up the invoice and more details of the letter and contracts they they are requesting you to sign we will take this up with the MOJ on Friday at our meeting but we will have to have more information.

[jim66a]

Re: lifestyle claims ppi

I have scanned the documents in but removed any detail.