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    • SnofieSno
    • By SnofieSno 16th Mar 17, 11:06 PM
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    SnofieSno
    Ppi wasn't handled correctly
    • #1
    • 16th Mar 17, 11:06 PM
    Ppi wasn't handled correctly 16th Mar 17 at 11:06 PM
    Hello,

    I had asked a ppi reclaims company to help me obtain any ppi outstanding to me... after many months of me chasing my case with them and no answer I decided to write to the bank directly and apply for ppi owed to me. I filled out all the necessary paperwork and within a few weeks received my owings.
    When the ppi company found out I had been paid they asked for their share of the cost... even though I ended up doing the work.
    I have not paid them because of this however they are harassing me for payment and charging interest.... this has been continuing since around 2013-2014.
    I have told them to take me to court however after a few months they just call me again.
    Where do I stand with this?

    Thank you
Page 1
    • Moneyineptitude
    • By Moneyineptitude 16th Mar 17, 11:15 PM
    • 18,119 Posts
    • 8,436 Thanks
    Moneyineptitude
    • #2
    • 16th Mar 17, 11:15 PM
    • #2
    • 16th Mar 17, 11:15 PM
    I have told them to take me to court however after a few months they just call me again.
    Where do I stand with this?
    Originally posted by SnofieSno
    Basically, you have an outstanding unpaid debt. You signed away your entitlement to complain alone when you agreed that they legally represent you in PPI complaints. This was a legally binding contract which you broke the terms of.

    I'm actually very surprised this has gone on for so long. Normally the CMC would have already set debt collectors on you long before now. Ultimately, you risk ending up in court with a trashed credit record and a CCJ.
    • SnofieSno
    • By SnofieSno 16th Mar 17, 11:19 PM
    • 8 Posts
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    SnofieSno
    • #3
    • 16th Mar 17, 11:19 PM
    • #3
    • 16th Mar 17, 11:19 PM
    I understand your points- but they didn't complete what I had asked them to do.
    I have sent them letters proving this (from the bank) maybe this is why they have waited so long?
    • Moneyineptitude
    • By Moneyineptitude 16th Mar 17, 11:24 PM
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    Moneyineptitude
    • #4
    • 16th Mar 17, 11:24 PM
    • #4
    • 16th Mar 17, 11:24 PM
    but they didn't complete what I had asked them to do
    Originally posted by SnofieSno
    The proper procedure is that you cancel the contract (without penalty) and are then free to complain yourself.

    You didn't do this and no amount of "evidence" from a third party (the bank) will absolve you from this.

    Remember , you have a legally binding contract. It's not something you can just unilaterally declare void.
    • SnofieSno
    • By SnofieSno 16th Mar 17, 11:32 PM
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    SnofieSno
    • #5
    • 16th Mar 17, 11:32 PM
    • #5
    • 16th Mar 17, 11:32 PM
    I see. I think I did make phone calls at the time to cancel the contract- but did not formally send them a cancellation letter... by what I remember.

    How long can they wait before they take me to court?
    • Moneyineptitude
    • By Moneyineptitude 16th Mar 17, 11:33 PM
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    Moneyineptitude
    • #6
    • 16th Mar 17, 11:33 PM
    • #6
    • 16th Mar 17, 11:33 PM
    How long can they wait before they take me to court?
    Originally posted by SnofieSno
    Six years is the limitation. However, I expect it to be passed to a debt collection agency prior to that stage.They won't leave it months between calls demanding the money...
    • SnofieSno
    • By SnofieSno 16th Mar 17, 11:39 PM
    • 8 Posts
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    SnofieSno
    • #7
    • 16th Mar 17, 11:39 PM
    • #7
    • 16th Mar 17, 11:39 PM
    Thank you for replying. I haven't been in any situations like this before. So it may not even come to court? Debt collection can take over and collect a debt ?
    • Moneyineptitude
    • By Moneyineptitude 16th Mar 17, 11:46 PM
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    Moneyineptitude
    • #8
    • 16th Mar 17, 11:46 PM
    • #8
    • 16th Mar 17, 11:46 PM
    Thank you for replying. I haven't been in any situations like this before. So it may not even come to court? Debt collection can take over and collect a debt ?
    Originally posted by SnofieSno
    If the debt is "sold" to a debt collection agency and you continue refusing to pay then of course you can still end up in court. However, it won't head straight to court without months of endless phone calls and knocks at the door.

    Is it really worth holding out against? You agreed to pay a proportion of any PPI redress. Regardless of their alleged tardiness, the Claims Company have done nothing wrong and their defence would likely be that they had already started the complaint process when you wrote direct to the Bank.

    I'm no fan of Claims Companies, but in this instance they would appear to have a legitimate case. You are totally at fault for not adhering to the cancellation procedure...
    Last edited by Moneyineptitude; 16-03-2017 at 11:50 PM.
    • SnofieSno
    • By SnofieSno 16th Mar 17, 11:51 PM
    • 8 Posts
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    SnofieSno
    • #9
    • 16th Mar 17, 11:51 PM
    • #9
    • 16th Mar 17, 11:51 PM
    I really wish this hadn't happened. The amount they are asking is very high now I would imagine as they have been charging interest.... over 4 years I should imagine it will be a hefty amount
    • Moneyineptitude
    • By Moneyineptitude 17th Mar 17, 12:09 AM
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    Moneyineptitude
    The amount they are asking is very high now I would imagine as they have been charging interest.... over 4 years I should imagine it will be a hefty amount
    Originally posted by SnofieSno
    Why don't you already know the exact amount?

    Have you considered offering them the original fee to make them go away?

    You could also make a formal complaint to them that they failed to stick to their side of the contract and that's it's unfair for them to be adding interest to the debt. If this results in a deadlock you can then refer your complaint to the Legal Ombudsman who can mediate a fair conclusion to the matter.

    Read here;
    http://forums.moneysavingexpert.com/showthread.php?t=5253955
    Last edited by Moneyineptitude; 17-03-2017 at 12:11 AM.
    • SnofieSno
    • By SnofieSno 17th Mar 17, 12:10 AM
    • 8 Posts
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    SnofieSno
    The last letter I had was something like X amount plus 8% per day it's is unpaid.
    I thought to be honest they were just trying to scam/bully me.
    Worst case I guess is I would pay the original amount but I could defiantly not afford the crazy interest rates
    • SnofieSno
    • By SnofieSno 17th Mar 17, 12:14 AM
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    SnofieSno
    Formal complaint and ombudsman seem like a good idea- thank you. I do feel a little less lost in all of this now
    • Moneyineptitude
    • By Moneyineptitude 17th Mar 17, 12:17 AM
    • 18,119 Posts
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    Moneyineptitude
    Formal complaint and ombudsman seem like a good idea- thank you. I do feel a little less lost in all of this now
    Originally posted by SnofieSno
    I'd say the worst thing you can do is ignore this any longer. They cannot charge 8% PER DAY!

    Contact the Legal Ombudsman in the morning and ask for more specific advice...

    Mon-Fri between 08:30am and 5:30pm: https://legalombudsman.live-chat-help.com/
    Mon-Fri between 08:30am-5:30pm on 0300 555 0333 or on our minicom 0300 555 1777
    Email cmc@legalombudsman.org.uk
    Or write Legal ombudsman, PO Box 6804, Wolverhampton, WV1 9WG
    • SnofieSno
    • By SnofieSno 17th Mar 17, 12:19 AM
    • 8 Posts
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    SnofieSno
    Thank you for your help- much appreciated
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