lifestyle claims ppi

[gdd40456]

Re: lifestyle claims ppi

hi tuttsi when you and exe sorted the problem we heard nothing for quite a while then they started ringing us from last week I don't understand why they sent this threatening letter they trying to scare us into paying up.

[TUTTSI]

Re: lifestyle claims ppi

Both Exc and I understood that the MOJ/TS were in a series of communications with Redhawk and that they were also taking further advice on this matter and as yet we have not been privvy to that advice. Hopefully when Exc comes on tomorrow he may have some further news. Please do not let them intimidate you and please do send a copy of that letter as I requested in my earlier post to the MOJ/TS.

Have you signed any documentation with Redhawk committing you to a payment to them. If you have not then have you written a complaint letter to Redhawk as they cannot chase you: a) for a debt that they have no right to have and b) whilst there is a complaint in progress they cannot push forward with the debt collectors this is against OFT rulings.

We have already had one success story with another Lifestyle case with another CMC, who after receiving a complaint letter from the ex client of Lifestyle they have completely dropped the case. So please cover all bases and hopefully that will do the trick. Somewhere on one of the threads is a sample letter of complaint I will have a quick look for you if not I am sure that Exc will knock up something suitable as a complaint to Redhawk and remember not to sign with your usual signature in case they copy it in some way.

hi tuttsi when you and exe sorted the problem we heard nothing for quite a while then they started ringing us from last week I don't understand why they sent this threatening letter they trying to scare us into paying up.

[EXC]

Re: lifestyle claims ppi

hi exe just had another letter from redhawk for a final notice saying they will pass our information over to a debt collection company I will send the letter by email

I've replied to your e-mail.

[TUTTSI]

Re: lifestyle claims ppi

GDD, have you any further updates?

[stuffed]

Re: lifestyle claims ppi

Having been burnt by Lifestyle Claims and receiving an invoice from Redhawk Legal, I thought I'd do some digging and came across this thread.

I received a telephone call from Lifestyle Claims around June 2012 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 Redhawk Legal, have now taken over Lifestyle Claims' clients who have now gone into administration, which was dealt with by Sharma & Co. I made contact with Sharma 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, but was told to contact my credit card supplier to claim the money back via Section 75 of the credit card act. I duly filled out all the forms sent by the credit card company (twice!), but was told they couldn't progress my claim because I didn't have evidence to prove their promise of paying back the four installments of £719.96! So now I'm left to repay £2879.84 for a service I didn't receive, and to add insult to injury, Redhawk Legal have just sent me an invoice for £218.89 for their services!?

I was sent a letter by Sharma & Co. to say that Redhawk legal were taking over from Lifestyle Claims, but have not signed any paperwork for Redhawk, neither have they provided me with a successful PPI claim...so surely I shouldn't have to pay them squat!?

Wish I'd never started down this PPI route..

[TUTTSI]

Re: lifestyle claims ppi

Have you complained to the MOJ ?

Having been burnt by Lifestyle Claims and receiving an invoice from Redhawk Legal, I thought I'd do some digging and came across this thread.

I received a telephone call from Lifestyle Claims around June 2012 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 Redhawk Legal, have now taken over Lifestyle Claims' clients who have now gone into administration, which was dealt with by Sharma & Co. I made contact with Sharma 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, but was told to contact my credit card supplier to claim the money back via Section 75 of the credit card act. I duly filled out all the forms sent by the credit card company (twice!), but was told they couldn't progress my claim because I didn't have evidence to prove their promise of paying back the four installments of £719.96! So now I'm left to repay £2879.84 for a service I didn't receive, and to add insult to injury, Redhawk Legal have just sent me an invoice for £218.89 for their services!?

I was sent a letter by Sharma & Co. to say that Redhawk legal were taking over from Lifestyle Claims, but have not signed any paperwork for Redhawk, neither have they provided me with a successful PPI claim...so surely I shouldn't have to pay them squat!?

Wish I'd never started down this PPI route..

[stuffed]

Re: lifestyle claims ppi

I spoke to them at the tail end of last year, but everything went quiet from Lifestyle Claims/Redhawk Legal, so I resigned myself to the fact I'd been stupid and would just have to pay the balance off my credit card myself.
The invoice was actually sent to my previous address only the other day - my mate bought my side of the house, so he lets me know if any post arrives - so i've only started looking into things again as a result of this weekend.

EDIT - having looked back at my emails, I have indeed launched a complaint about Client Connection Ltd trading as Lifestyle Claims. This email dates back to 20th November 2012 and also suggests I contact my credit card company to claim via Section 75. However, as I mentioned previously, I've got as far as sending forms back to the credit card company, who then require evidence that Lifestyle Claims were going to refund the 4x £719.96 installments regardless...but I don't have it in writing :tinysmile_cry_t:

[EXC]

Re: lifestyle claims ppi

In order for us to help you could you tell us the following:

1) What does the invoice for £218.89 from Redhawk say exactly? is it possible you can scan and post it up, removing any personal information?

2) When you say you complained to Client Connection in November, did they or Sharma respond suggesting that you claimed the money back from your credit card provider?

3) Do you have any paperwork relating to the fees you paid Lifestyle?

4) In the document attached towards the bottom does your name appear in the long list of creditors that are displayed sidewards - bearing in mind the names are not in alphabetical within their letter groupings.

[stuffed]

Re: lifestyle claims ppi

Hi EXC,

1) I've tried to scan the letters, but had to take photos in the end, so I hope they're legible!

http://i1298.photobucket.com/albums/...ps6e4b7b16.jpg

http://i1298.photobucket.com/albums/...psa935297e.jpg


2) Not sure I understand (from what angle) what you were asking. The response I received from MOJ and Sharma was that they both recommended I pursue my credit card company to make a section 75 claim to reclaim the £2800+ that I lost. They didn't suggest I had already claimed money back from any claims and therefore had received a service though if that's what you were asking?

3) I don't have anything relating to the fees I paid to Lifestyle though (just my statement), which is what I found difficult when making my claim with my credit card company unfortunately.

4) I found the attached document in another thread (or maybe it was earlier in this thread), but unfortunately my name doesn't feature in the list :tinysmile_cry_t: rats!

I appreciate any advice you may have!

[enaid]

Re: lifestyle claims ppi

So did you in fact receive £608.04 from a PPI claim ?
That claim though actually cost you £2879.94 for the solicitor to act for you, £300 admin fee and now a bill for £218.89, what a great result , for the CMC lol sorry to be so glib but I actually feel sick for you tbh.


That makes your costs £3400 and a return of £610 I can't get that to 30% in any format lol

[stuffed]

Re: lifestyle claims ppi

I know....absolutely gut wrenching!
I didn't actually get a pay out as a result of lifestyle claims, I finally got some money but from my own doing.
Redhawk did ask for payment at the tale end of last year, but when I explained that I was down over £2800, the bloke on the phone said "....I see...erm..just ignore that mate, I'm not going to ask you to pay out even more"

[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,

[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?

[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

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"