Lifestyle Claims

I had thi email this morning from lifestyle claims,
Dear Mr. P
!
Thank you for the email and I can confirm that your account has been cancelled and a refund of £359.98 was actioned on 12/12/11.
!
If you have any further queries please do not hesitate to contact our customer services department.
!
Kind Regards,!!!!!!
!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
R. Griffiths.
Whether they have paid it from your advice of emailing them and the moj, I don't know, but the moj rang me back yesterday about the devious way they still took the full amount from the credit card.

I must urge everyone who comes into contact with this company to give them a very wide berth, I would go as far as saying this company is a bunch of crooks.

This is my experience with them:

I received a telephone call from them last December about how they could get me £4000 from ppi on a previous mortage. FOOLISHLY I thought it seemed a good idea, after all, who doesn't want 4 grand just before Christmas! My second stupid act was to give these people my credit card details for £299 plus VAT which I was promised I would get back.

A few days later I received their terms and conditions and from what I understood, the service that was sold to me as no win no fee, certainly did not seem that way from reading their T&C's.

I decided to not go ahead with them and sent them an email to cancel. I also checked my credit card and to my horror/amazement/disgust, these people had taken the money the same day as their initial telephone call. I had not signed anything with them nor at the point they had taken the funds had the opportunity to sign anything.

I tried to ring them on numerous occassions and either got an engaged tone or the companies answer phone system. I left them umpteen messages and never once got a call back. The few occassions I did speak to one of their halfwit operators I was always told that their department did not deal with refunds and EVERYTIME they attempted to put me through to someone who could help me I was cut off. On one occassion they managed to put me through to a random stranger in Newcastle (who told me I was not the first who had been transferred to him).

If I was not frustrated by these people it would have been comedic.

I eventually got acknowledgement that they was to process my refund and they sent me out a form to sign. On this form they notified me the refund would be in the form of a cheque and would be within 31 days. Not great considering I would be paying for interest on my card...

31 days came and passed, numerous telephone calls were made, messages left, emails sent and not one reply. I was starting to think I had lost the money.

Then I managed to get through! and not only that to someone who could give me information on where my money was. I was cheerily informed that my refund was in the 'list' and would be processed on the 26th March 2012!!!! WHAT A JOKE. I was livid!!!!

Eventually I found this website and used the template that MagpieCottage had kindly added to this thread. I also added to the template that If my credit card was not refunded within 7 days I would open a county court case against them and request not only my refund but interest incurred and expenses.

This worked a treat as within 2 days I received an email notifying me that my card had been refunded. I checked and indeed it had! SUCCESS!!!!!

My advise is firstly DO NOT GIVE THIS COMPANY ONE SECOND OF YOUR TIME AND NOT A PENNY OF YOUR MONEY.

Secondly, if you have already done that, use the template from MagpieCottage and inform them you will take them to county court for the refund, expenses and interest incurred.

Thirdly, you can also inform your credit card that it was an unauthorised transaction, this was something I had already started to proceed with.

If anyone would like to see the letter I sent them, so they can adapt it for their own use just send me a private message, I will be happy to assist in anything that stops these people from literally stealing money from people.