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    • User1301
    • By User1301 5th Mar 18, 9:22 PM
    • 1Posts
    • 0Thanks
    PPI claims company threatening court action
    • #1
    • 5th Mar 18, 9:22 PM
    PPI claims company threatening court action 5th Mar 18 at 9:22 PM
    Hi, pretty new to all this so go easy on me!
    I naively filled out some PPI/bank charges claim online ages ago, gave all info I had to hand. “Electronically” signed all documents. Was sent something in the post which was lengthy, eventually completed & returned.

    Cut a long story short but I started getting A LOT of emails from this company. Regarding all sorts of things, claims against pay day loans, claims against all sorts of things, there was that much I lost track. I work, single parent, carer to sick relative - not really relevant but like many others I’m busy constantly and despite the stigma surrounding these companies it seemed, at the time like a stress free option.

    I was only ever really interested in PPI/bank charges and I assumed everything I filled in was to do with these. I got a final response saying once they’ve checked my credit history there’s only two companies out of about 12 (I think) I could claim against - one being a mail order company (which at the time I owed a mere £80 (left to pay, now paid!) and the other being my current account, which at the time was overdrawn) I basically replied saying I didn’t really see the point in perusing a claim against these for the reasons above. To which they agreed.

    I then started getting emails regarding some payday loan I took out a while back, (I know! Please don’t judge me !!!128553;!) asking me to send them a copy of some letter. I had no idea what they were talking about and told them this, on top of the fact my balance was zero I didn’t understand why they were even looking into it.

    Fast forward a few weeks and they’re now saying I’ve breached the contract and that i’m Liable for cancellation fee’s of £360 for each company they originally persued (as said above, sure there’s about 12 all together)

    The guy who was emailing me was horrible, very threatening, making out like I was lying, saying they’ve now realised I’ve breached the contract for a second time as I’d not returned documents (this isn’t the case - I’ve returned everything I’ve received)

    I was getting no where with him, he was awful, extremely threatening and it just snowballed, the more I tried to get to the bottom of it, the more he threatened & I (stupidly?! Not sure!) ended up leaving a lengthy yet honest review on trust pilot to which he replied (privately) saying if I didn’t remove it they’d sue me for damages, costs etc. Cut a long story short he reckons he’s issuing court proceedings first thing tomorrow.

    He’s literally not left me alone all night, threatening all sorts, telling me I am liable for court costs on top of the damages and fee’s already mentioned.

    Apologies for any spelling errors, currently in the middle of something & frantically trying to explain myself via text on my phone!

    Any advice greatly appreciated!
Page 1
    • Moneyineptitude
    • By Moneyineptitude 5th Mar 18, 9:45 PM
    • 19,795 Posts
    • 10,832 Thanks
    • #2
    • 5th Mar 18, 9:45 PM
    • #2
    • 5th Mar 18, 9:45 PM
    If you told them you no longer wanted to complain then that's effectively a cancellation for which a fee is due for basically wasting their time. However, I fail to see how they can charge you for the lenders which you did not have PPI with!

    If you feel that you haven't cancelled by telling them not to proceed with the two firms they suggested you complain to, you'll have to make a formal complaint to them detailing your reasons. The firm then have eight weeks to respond after which you can refer your complaint to the Legal Ombudsman.

    I wouldn't worry too much at this stage about threats of court action, that sounds like a bluff, but you might be wise to remove your Trust Pilot review until this is settled.
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