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  • FIRST POST
    sasha180
    Do Not use Brunel Franklin
    • #1
    • 12th Aug 09, 4:12 PM
    Do Not use Brunel Franklin 12th Aug 09 at 4:12 PM
    I posted earlier on the fact that I used the above for a PPI claim against The Halifax. They did not make clear that I would have to pay back 25% of the entire amount of PPI that I didnt have to pay ie., I received £1500 compensation from the bank but will have to pay back 25% of £3200 to Brunel because a new loan was issued without the PPI.On reading the small print their is no get out clause for me, I will have to pay them but I do feel that it should be clearly stated by the company, before it becomes legally binding, what your final amount will likely be. I could have been in a position where I had recently taken out the loan, had £200 compensation, andhad to pay Brunel £800 for their service. This is a disgrace as bad as what the banks were doing in the first place.
    The best bit is I have just lost my Job so cant claim on the PPI, because if I dont take Brunels advise and take the compensation offerd by The Halifax then they will still take the £800 of me. So in a nut shell I will recieve £1500 from Halifax, give £800 to Brunel and be left with no insurance for the privelidge.
    DO NOT use a Third Party!!!
Page 1
  • melorablack
    • #2
    • 12th Aug 09, 5:06 PM
    • #2
    • 12th Aug 09, 5:06 PM
    Halifax told you they wouldn't pay the fees and that you didn't have to use a third party when they wrote to you acknowledging your complaint.

  • sasha180
    • #3
    • 12th Aug 09, 5:27 PM
    melorablack
    • #3
    • 12th Aug 09, 5:27 PM
    Yes, but I stiil thought I would only pay 25% of the £1500 to Brunel, and once you have signed the contract their doesnt seam to be a get out clause, you signed you pay. Just trying to warn people not to use these companies, I wouldn't have minded as much if it was made plain in their terms what they will charge you 25% of your entire amount of PPI and not just the amount refunded by the bank. I have been stupid to sign up to them but I still feel they are acting as bad as the banks. Just my bad luck that I am canceling the insuarance at he time that i have just been made unemployed, DO-OH !:confused:
    • turkey mike
    • By turkey mike 11th Oct 17, 11:31 AM
    • 17 Posts
    • 1 Thanks
    turkey mike
    • #4
    • 11th Oct 17, 11:31 AM
    I used them and now happy
    • #4
    • 11th Oct 17, 11:31 AM
    I am currently using Brunel Franklin for my PPI claim, of three claims one has settled so far the other two should be in the next week, the one that has settled paid me £15,600 after Brunel Franklin taking their share, yes they do take a big chunk of about a third of the claim but, I read their web site and small print on the bottom of the letters, the three banks also told me that I did not have to use a third party like Brunel Franklin but I would not have bothered claiming on my own and I did not know I had any to claim, now I am £15,600 better off with more to come.
    I can not fault BF in the way they have dealt with my claim and on my experience I can recommend anyone who hasn't claimed, does not think they have PPI and can't be bothered to do it themselves, to use Brunel Franklin and accept that they take a third of your claim.
    • Moneyineptitude
    • By Moneyineptitude 11th Oct 17, 11:34 AM
    • 18,889 Posts
    • 10,114 Thanks
    Moneyineptitude
    • #5
    • 11th Oct 17, 11:34 AM
    • #5
    • 11th Oct 17, 11:34 AM
    Thread is from 2009.
    • dunstonh
    • By dunstonh 11th Oct 17, 11:53 AM
    • 89,853 Posts
    • 56,513 Thanks
    dunstonh
    • #6
    • 11th Oct 17, 11:53 AM
    • #6
    • 11th Oct 17, 11:53 AM
    I read their web site and small print on the bottom of the letters, the three banks also told me that I did not have to use a third party like Brunel Franklin but I would not have bothered claiming on my own and I did not know I had any to claim
    You have paid over £5000 for a firm to send a form in an envelope to the same address you would have used had you sent the same form (which is available on most companies sites, the FOS website or this website).
    I can not fault BF in the way they have dealt with my claim and on my experience I can recommend anyone who hasn't claimed, does not think they have PPI and can't be bothered to do it themselves, to use Brunel Franklin and accept that they take a third of your claim.
    There is very little that a CMC can do wrong. Did they put the form in the envelope. Did they put a stamp on the envelope. Did they take it to the post box. Pop in the slot. Job done and sit back and wait.

    You paid over £5000 for a job that took about 5 minutes to complete.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. Different people have different needs and what is right for one person may not be for another. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • societys child
    • By societys child 11th Oct 17, 1:02 PM
    • 4,891 Posts
    • 5,332 Thanks
    societys child
    • #7
    • 11th Oct 17, 1:02 PM
    • #7
    • 11th Oct 17, 1:02 PM
    You paid £5k for someone to post your letter, and you're happy about it?

    • -taff
    • By -taff 11th Oct 17, 6:15 PM
    • 7,161 Posts
    • 5,159 Thanks
    -taff
    • #8
    • 11th Oct 17, 6:15 PM
    • #8
    • 11th Oct 17, 6:15 PM
    Not bad. 5 grand for 4 or 5 second class stamps.
    I'm in the wrong business.....
    • turkey mike
    • By turkey mike 17th Oct 17, 12:44 PM
    • 17 Posts
    • 1 Thanks
    turkey mike
    • #9
    • 17th Oct 17, 12:44 PM
    obvious
    • #9
    • 17th Oct 17, 12:44 PM
    Thanks for pointing out the obvious but you seem to forget the bit you quoted where I said "I would not have bothered claiming on my own and I did not know I had any to claim". The £15.6k is from the one bank that I did not think I had any PPI with so would not have sent a letter even if I could have been bothered writing to any of them and sticking a stamp on it as you say, so yes they got about £5k for sticking stamps on letters but I got £15.6k that I didn't know about, I only gave them my name, address and the names of a couple of credit cards I thought may have had PPI on, guess what they didn't but BF told me about three that have. I was bored one day reading news online and saw their ad, clicked on it and filled the short form in and now I am happy . If I had written a couple of letters with stamps affixed to the credit cards that I thought may have had PPI on, I would not have £15.6k in the bank but would have spent money on letters and stamps.
    Every case is different and not everyone can be bothered doing everything Martin advises us to do but thanks to firms like BF we can all get back most of what we are owed and for that I am quite happy for BF to take their cut, and maybe if other people like me that can't be bothered to write a few letters and stick a few stamps as you say, read my story then maybe there will be more happy people and unhappy banks, of which their will be two more in the next few weeks.
    • turkey mike
    • By turkey mike 17th Oct 17, 2:31 PM
    • 17 Posts
    • 1 Thanks
    turkey mike
    didn't pay
    You paid £5k for someone to post your letter, and you're happy about it?
    Originally posted by societys child
    I didn't pay anyone to post letters and yes curiously I am happy to have £15.6k in the bank for PPI that I didn't know I had. Yes I was charged a fee on a no win no fee agreement, they got the refund and took their fee as per the agreement. They did advise me of the banks where they had found PPI and informed me that I did not need to use them to claim the refund, but at that point I didn't know how much it was going to be so I said go ahead and do your best. Yes they do take a big fee but neither myself or BF would have any money if I hadn't clicked a link to their web site and input a little info. The reason I posted on here was just to let people know even if you think you don't have PPI give it a go with or without a 3rd party. Funny no one has congratulated me on getting £15.6k for myself off a bank, all they have done is take the wiss for not sending my own letters, but at least I got £15.6k which from what I have read is a lot more than most people get, in fact most seem to get less than BF got in fees off my claim, maybe they should have used a 3rd party
    • IAmWales
    • By IAmWales 17th Oct 17, 2:40 PM
    • 1,824 Posts
    • 3,803 Thanks
    IAmWales
    Funny no one has congratulated me on getting £15.6k for myself off a bank, all they have done is take the wiss for not sending my own letters, but at least I got £15.6k which from what I have read is a lot more than most people get, in fact most seem to get less than BF got in fees off my claim, maybe they should have used a 3rd party
    A high payout means you had an incredibly high level of debt. You're pleased with the outcome, and that's what matters, but I doubt you're going to be congratulated for getting into that situation in the first place.
    • turkey mike
    • By turkey mike 17th Oct 17, 2:49 PM
    • 17 Posts
    • 1 Thanks
    turkey mike
    P.s. Maybe Dunstonh being an IFA thinks £15.6 is a small amount but to me it's a hell of a lot that I would not have if it wasn't for a 3rd party which I guess is what an IFA is. And a quick Google found this info from the Telegraph...
    But comparing costs isn't always easy: some advisers charge hourly fees (usually around £200 per hour), others levy a one-off fee for specific tasks. According to Unbiased, an initial review costs £500 on average.
    Note to self don't use an IFA they charge too much instead look for help on MSE
    • turkey mike
    • By turkey mike 17th Oct 17, 3:00 PM
    • 17 Posts
    • 1 Thanks
    turkey mike
    long time ago
    A high payout means you had an incredibly high level of debt. You're pleased with the outcome, and that's what matters, but I doubt you're going to be congratulated for getting into that situation in the first place.
    Originally posted by IAmWales
    This was from 1993 and they had no detailed records going back that far so they worked out from then until 2017 how much I was owed which was about 24 years of interest, but thank you for sort of congratulating me, but again calling me without the full facts, having a loan to buy a car and paying it off in full isn't something I would call someone for but the problem was the PPI that I wasn't made aware of which I believe is why Martin went on his crusade to get it back for us and for that I thank him.
    Last edited by turkey mike; 17-10-2017 at 3:08 PM.
    • dunstonh
    • By dunstonh 17th Oct 17, 3:15 PM
    • 89,853 Posts
    • 56,513 Thanks
    dunstonh
    P.s. Maybe Dunstonh being an IFA thinks £15.6 is a small amount but to me it's a hell of a lot
    It is a lot. So, is the £5k you paid the claims company.

    You had to provide the claims company the information they put on their form (which is just a version of the forms you get on this site, the FOS or providers own sites). You gave the information, they wrote it on the form and posted it.

    By the time you gave the information, you could have written it yourself on the form, copied the form as many times as needed and send it to each provider. That is all the CMC did.

    Note to self don't use an IFA they charge too much instead look for help on MSE
    A claims company is staffed by unqualified, unregulated individuals whose purpose is to get you signed up so they can earn £5k for 5 minutes work.

    An IFA is qualified and regulated and generally deals in more complicated areas. Some of which can be done quite successfully if you have the time and knowledge to DIY. A couple of weeks ago, I saved someone over £70,000 in tax that they did not realise they would have to pay if they did it the way they intended. My fee was £500. MSE would not have given them that advice as it was not a bread and butter transaction.

    It seems strange that you would not use a qualified individual to do something but are quite happy to pay 10x more to an unqualified individual to stick a stamp on an envelope.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. Different people have different needs and what is right for one person may not be for another. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • turkey mike
    • By turkey mike 17th Oct 17, 3:41 PM
    • 17 Posts
    • 1 Thanks
    turkey mike
    oh dear
    Dunstonh you still don't understand I would not have bothered if I hadn't seen their ad next to an article I was reading, I would not have spent five minutes to send a couple of letters to banks that I did not think I had any PPI with, the one's I thought would have had PPI didn't and so I would have wasted a couple of stamps and five minutes and be oblivious to the £15k.
    Congratulations on saving someone over £70k in tax wow that's a lot of tax, they must earn a hell of a lot more than myself and most others on here, but hey £70k is £70k not in the Governments coffers.
    I thought MSE and it's forum were here to help and offer advice not have a go at fellow members for doing what Martin tells us to do even if not the free way he recommends, silly me.
    • turkey mike
    • By turkey mike 17th Oct 17, 4:19 PM
    • 17 Posts
    • 1 Thanks
    turkey mike
    It seems strange that you would not use a qualified individual to do something but are quite happy to pay 10x more to an unqualified individual to stick a stamp on an envelope.
    Originally posted by dunstonh
    Funny nowhere have I said that I was happy that BF got £5k of my PPI, what I did say was that I was happy to get £15k, the one that has said I am happy about the £5k is you, followed by several others commenting on five minutes and stamps.
    Sorry it was a flippant remark about using an IFA as I doubt I will ever earn enough to be able to claim back £70k, let alone £500 for advice that you yourself say with a bit of time and knowledge could possibly DIY it, but thanks for giving it out freely on here.
    • Moneyineptitude
    • By Moneyineptitude 17th Oct 17, 11:14 PM
    • 18,889 Posts
    • 10,114 Thanks
    Moneyineptitude
    I thought MSE and it's forum were here to help and offer advice not have a go at fellow members for doing what Martin tells us to do even if not the free way he recommends, silly me.
    Originally posted by turkey mike
    You do realise that "Martin" makes a point of telling everyone that they should complain alone and for free?

    "Martin" (if he still owned this site) would give a similar answer to your posts as you have received here.


    Original thread is from 2009.
    • worried jim
    • By worried jim 17th Oct 17, 11:18 PM
    • 8,757 Posts
    • 13,372 Thanks
    worried jim
    A fool and his money........
    "Only two things are infinite-the universe and human stupidity, and I'm not so sure about the universe"
    Albert Einstein
    • turkey mike
    • By turkey mike 18th Oct 17, 9:12 AM
    • 17 Posts
    • 1 Thanks
    turkey mike
    please read all
    I find it quite amazing how many of you have not clicked on the Etiquette button and read all of it, but as many of you have not read all that I have said I shouldn't be surprised.

    1. I have never said I was happy with the amount BF took it is a lot.
    2. I have said I was silly not to do it for free.
    3. I have said that I would not have written to this bank as I did not think I had PPI with them.
    4.The credit cards I thought had PPI didn't so I would have got nothing.
    5. Moneyineptitude, yes I do know what Martin advises and that he is now just a figure head and you would know that if you had read my posts..
    6. Don't worry Jim I would have been a bigger fool if I had just sent letters to the two credit cards and got nothing, and you would also know that if you had read all of my posts.
    7. To all that have made remarks about stamps and letters, once again I would not have written to this bank as I did not think I had PPI with them BF told me I had, go on click on Etiquette and read it all not just snippets like you have done with my post.
    8. And finally the £15.6k is more than the original loan, so basically I got that car for free even if it has taken 20 years to get the money back and I was silly not to do it myself.
    • zx81
    • By zx81 18th Oct 17, 9:14 AM
    • 14,354 Posts
    • 15,111 Thanks
    zx81
    8. And finally the £15.6k is more than the original loan, so basically I got that car for free even if it has taken 20 years to get the money back
    Originally posted by turkey mike
    Once adjusted for inflation, I don't think it would be.
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