Cento Client Review

maxdp

lucky1667 wrote: »

Hello, I paid £149 for this companies services and they told me that within 12 weeks they would be able to settle any claim or give me my money back. I had to send a pack back with all my financial details of previous loans etc along with a cheque for £10 made payable to each lender.

The twelve weeks are up today and I tried to call them on their customer services line. No reply. I called them on their sales line and got an immediate reply!!!

I think I have just wasted £149.

Hi Lucky did they state the 12 weeks in the paperwork or verbally?

milly88

Hi Lucky

Please write to them giving 7 days working days for them to refund you in full as they have not dealt with your claim within the time frame of 12 weeks in which they sold you the service for. They will also have recordings of all calls and it is within your rights to send them a SAR and request a copy of those recordings should they not respond favourably to you.

Should they fail to refund you you will have no alternative in the first instance to make a complaint to the Ministry of Justice and then to pursue a claim through the county courts and any costs and interest incurred will be passed to them in this respect.

On the MOJ web site it does explain what to do if a claims management company do not perform and you are within your rights to make your complaint to the MOJ but only once you have given Cento the oportunity to respond.

Claims Management Regulator Fact Sheet – delays in providing a service


This factsheet gives help and guidance if you have paid a claims management business for a service that has not been provided.


I’ve paid a claims management business a fee and have heard nothing further- what should I do?

You should first contact the business providing the service as they should be made aware of the problem you are experiencing. They are required to reply to any contact you make within a reasonable time. You may wish to do so in writing by recorded delivery so that you know they have received your letter.


Can I seek a refund?

This will depend on the terms of the contract you signed with the business. If the business has not provided the service within a reasonable time then they might be in breach of contract and you can ask for a refund.


Can I complain?

All businesses are required to have a complaints handling procedure. If you do not have a copy of this you should request it from the business or you can obtain a copy from the businesses website. Consumer Direct has help and advice about how to write a letter of complaint. You can contact them on 0845 404 0506 or look at the website Consumer Direct - Making a complaint


I have tried to contact the business to complain but they have not replied. What can I do?

If you do not receive a satisfactory response from the business, you may be able to pursue your concerns with the claims management regulator. Let us know when you contracted with the business, any contact you have had with them and what you have done to contact them.

Did you pay the fee by credit card?

If you did pay by credit card and you believe the business is in breach of contract, for instance by failing to provide any service at all, you may be able to seek a refund direct from your credit card company. You should contact your credit card company and they will be able to advise if you have a claim. Consumer Direct also has useful advice on how to request a refund. Consumer Direct - Template Letter No.1 - Use when Goods and Services have been bought on credit



Via website: Contact Us - Claims Management Regulation

By e-mail: [EMAIL="info@claimsregulation.gov.uk"]info@claimsregulation.gov.uk[/EMAIL]
By telephone: 0845 4506858 / 01283 233309
In writing: MCU, 57-60 High Street, Burton on Trent, Staffordshire, DE14 1JS.

Milly

lucky1667 wrote: »

Hello, I paid £149 for this companies services and they told me that within 12 weeks they would be able to settle any claim or give me my money back. I had to send a pack back with all my financial details of previous loans etc along with a cheque for £10 made payable to each lender.

The twelve weeks are up today and I tried to call them on their customer services line. No reply. I called them on their sales line and got an immediate reply!!!

I think I have just wasted £149.

ADELE.THOMPSON-PARKIN

I have been called today by this company saying they can claim back endless money dating back to 1964 and I was told well pay the refundable fee today I explained that I would need to speak to my Husband and he put me on to the Manager who tried to say is it you can't pay the fee. I asked him to email me his company details and I would think about it. Here is the email stated below!!! I think this is a scam!!! Can anyone confirm this???

Dear Sir/Madam,
The history of the Finance market is full of mis-selling and unfair relationships between borrower and lender. Money Claiming Experts wants to find out if you are entitled to a payment from a lender, past or present and, if so, help you gain redress.
The new consumer credit act of 2006 enables borrowers to challenge credit agreements in court on the grounds that the relationship between the parties is unfair and the Consumer credit agreements are unenforceable or fundamentally flawed. Products include; Mortgages, Secured loans, Personal Loans, Motor finance and credit cards. This means that the balance of your loan could be written off and you no longer have the burden of your debt.
At Money Claiming Experts we have seen many Loan Agreements that have been incorrectly drafted or signed by the lender, the most common examples being incorrect APR % amounts or figures entered in the wrong section of the loan document. Hidden Commissions are common and are amongst many flaws that are found. Loans and credit agreements are subject to strict rules and many of the errors that we see mean that the loan itself will be deemed unenforceable.
In short, lenders are now paying the consequences for failing to comply with the consumer credit act of 1974.
The process of checking to see if you are entitled to a claim is approximately 12 weeks from the date your payment was taken.


CUSTOMER INFORMATION
The Claim Process:
Please take a minute to read this document as we would like to explain who we are, how the claim process works and why you need to complete these forms:
Who are we?
We are a CMC (Claims Management Company). It is a legal requirement to have a Ministry of Justice licence to carry out this role. We are regulated by the Ministry of Justice in respect of regulated claims management activities. Our authorisation number is CRM 16588
We receive claims from customers and agents. Agents are paid a referral fee.
We process the claims in-house or pass on to a solicitor, depending on the complexity and value of the claim and whether litigation is required. You should check whether you have any other method of making a claim, there is no obligation to utilise our service. Please feel free to consider the other services available.
Please ensure that you read all the Paperwork before signing and returning it.
There is an amount of documentation you will need to complete, please see below.

Questionnaire.
The Questionnaire is the essential document that needs completing very carefully. This will assist in assessing any potential claims you may have. Please complete a separate Questionnaire for each Agreement/Loan or Policy.
Letter of Authority.
The Letter of Authority gives us the ability to deal directly with the lender and retrieve vital information regarding the claim. This letter also covers the Data Protection Act, this ensures that under this Act the lender supplies us with the loan details and loan history within 40 days of our request. The lender is currently entitled to a maximum fee of £10.00 for supplying this information, this should be paid by you and made payable to the lender. Sometimes the lender returns this payment to you. Please complete a separate Letter of Authority for each lender and provide two proofs of identification which must be less than three months old.
Letter of Engagement.
This is the contract with us. This allows us to act on your behalf dealing with the claim throughout the whole process. It sets out our fees and our Terms and Conditions. You have a “cooling off” period of fourteen days from the date of signing the Letter of Engagement.
What will it cost?
We work on a NO WIN, NO FEE basis. Our fees are paid as a percentage of the claim, so we only get paid (if the claim succeeds) out of the money recovered.
If we win a claim on your behalf we take a maximum fee of 30% (plus VAT) of the compensation amount. You receive the rest. If we fail to secure compensation, you owe us nothing.
There is a £10 document request fee that has to be paid to the lender for each claim and this is non-refundable.
Supporting Documentation
Please supply the original Agreement/Loan or Policy documents if these are available. These documents will be returned once the case is concluded or upon the clients request. Please do NOT staple ANY of the documents together as we have to scan the documents, our scanner does not like staples!!
Case Assessment
Once we have received the completed documentation we can make an initial assessment of the case. In most cases we are able to start the process of the claim at this stage. However, it may be that further information is required from you or the lender in order to fully assess the case. We may contact you to obtain this information or contact the lender directly.
Processing the Claim
Our professional team will then manage the entire claim process, including any appeals to the Ombudsman and if required any court proceedings. We will review any offer of compensation and advise you accordingly as to whether the offer should be accepted. We will endeavour to claim for the principal plus interest. It is very important that any communications from the lender are passed to our team without delay as the case could become prejudiced.
Panel Solicitor
If appropriate the case may be referred to a Panel Solicitor. Should this be the case, the solicitors may act under a Conditional Fee Agreement (CFA), this means that nothing is paid by you as each case is insured so should the case fail you will not be responsible for any legal costs from any party. The solicitor will contact you directly in order to get their CFA signed and returned to them. We will assist you through this process.
Conclusion of the Claim
At the end of a satisfactory claim we will forward to you the value of the claim less our fees as set out in the Letter of Engagement.
Money Claiming Experts is a trading name of Client Connection Ltd, who are regulated by the Ministry of Justice in respect of regulated claims management activities. Our authorisation number is CRM16588 Client Connection Ltd Registered Office, Princess House, Princess Way, Swansea, SA1 3LW

dunstonh

The new consumer credit act of 2006 enables borrowers to challenge credit agreements in court on the grounds that the relationship between the parties is unfair and the Consumer credit agreements are unenforceable or fundamentally flawed. Products include; Mortgages, Secured loans, Personal Loans, Motor finance and credit cards. This means that the balance of your loan could be written off and you no longer have the burden of your debt.

You should report that to the ministry of justice as its not truthful, misleading and breaks some of the MoJ rules.

Of course you can challenge the agreement as being unfair. Yet virtually everyone that has tried has failed. Some have incurred costs putting them in a worse position. The success rate on this is very very low. We are talking low single digits. Also, the debt isnt written off if you are successful. it remains on your credit history as an unpaid debt in arrears. Therefore destroying your ability to get credit again. The Office of Fair Trading and MoJ have issued warnings to claims companies to stop making misleading claims.

At Money Claiming Experts we have seen many Loan Agreements that have been incorrectly drafted or signed by the lender, the most common examples being incorrect APR % amounts or figures entered in the wrong section of the loan document

There was an article last year where a claims company admitted that it had tens of thousands of people signed up but had yet to have a success. Yet claims companies frequently tell people how successful they have been. An error on the agreement does not mean it will be made unenforceable. A judge can still rule in favour of the lender (and so far that has been the trend).

Hidden Commissions are common and are amongst many flaws that are found.

There has only been one successful case in this area. That particular case was where the broker took a fee and a commission. Not one or the other and failed to disclose the amount of the commission. In the case, the debt wasnt written off. The court ruled that the broker had to repay the commission which was about £350. Most claims companies havent bothered following up on these cases as the commissions on a typical mortgage or loan are a couple of hundred pounds. Taking 30% of that wouldnt cover the costs.

In short, lenders are now paying the consequences for failing to comply with the consumer credit act of 1974.

No they are not. Whilst some were giving in before letting it get to court, since the major rulings last December which all found in favour of the lender and set some standards (some of which clarified by the OFT) the lenders seem happy to go to court now and seem to be winning virtually all of them.

Claims companies really thought they were on to a winner with the changes in the CCA. However, its been a complete flop for them as the courts havent supported them and a number of claims companies have gone in to administration taking all the up front fees paid with them.

milly88

I agree with Dunstonh 100%, so far I personally have not seen any positive wins with any CMC, they take vast amounts of money upfront which is against the MOJ rules and the contracts are worded in such a way it is very rare to get a return of your money and very rarely do you see any results. It is also against the rules for any CMC to cold call you, unless you have requested them to call you. You can complain to the MOJ but realistically they turn a blind eye.

You also have to rememeber anything that sounds too good to be true quite often is not all it is cracked up to be. Some of the larger CMC's like Cartel have already had their Licences cancelled by the MOJ and quite a few others have followed and even more will follow.

It is not a scam as such but you have to know that this company was know as Cento Client Review until Cartel Client Review was cancelled now they have renamed themselves as Money Claiming Experts under the banner of Client Connection Ltd. You can always check them out at companies house for your own peace of mind to see if accounts has yet been filed. This Company started Trading I believe Feb 2009 so accounts should have been filed. I think for a cost of £1 you will be able to see their annual accounts to see how the Company is doing and whether they have any assetts.

Whatever you decide to do must be on your decision and you must do your homework thoroughly.

The only refunds that are currently being paid without too much hassle is Credit Card Chgs and a simple letter to your credit card companies can have excellent results I know several people who have received refunds withing 9-12 days. PPI if this has been mis-sold is another one that providing you can come up with good reasons why it has been mis-sold you stand a chance of claiming this back without the need for a CMC to take 30% and a large upfront fee.

You have a wealth of knowledge on this site as well as Legal Beagles to start your own claims and keep your money in the bank.

As far as CCA, I would stay well clear it could cost you dearly.

rosebud26

i signed up to this company about 10 months ago, payed £300, with a credit card, since seen none of that money back and when i phone to get a status they ask me to call back in a month every time, does anyone know how i could claim my money back. My credit card is now in collection so its not even with capital one anymore??

ajrn1997

CENTO CLIENT REVIEW. Please do not go anywhere near this company. My daughter and her husband were told that if they gave this company £4500 pounds they would be able to write off a £9000 credit card debt with mbna. They told her to add the £4500 (their fee) to the £9000 and it would all be wiped off no later then 9 months down the line.
I could go into a lot more detail but to make it brief this is the chain of events for the past year, but in no particular order.
1) No one ever contacts her.
2) They say you can reduce the amount you pay by telling mbna you are struggling with your repayments. This is not true. Mbna know what is happening and will not help in any way.This means my daughter has been paying approx £226 per month in interest rate, but incuring £220 in interest.
3) She is told mbna use delaying tactics and so the case is never any closer to coming to a conclusion.
She has just been told that because she has been waiting a year centro client review will refund her £4500, but she loses the initial £299 set up fee she gave them.
I am not an academic as this letter probably shows, but I felt I had to write this to warn everyone not to get involved with any of these firms, because even though you have been misold a policy or your credit card amount was increased without asking for it (as in my Daughters case) these lenders Know all the tricks and you will not win. Cento client review will not get your money back. In my Daughters case the only people it SEEMS who have benefited are mbna. Makes you wonder.

dunstonh

My daughter and her husband were told that if they gave this company £4500 pounds they would be able to write off a £9000 credit card debt with mbna.

Which was never going to happen. are you sure its £4500 and not £450?

hey told her to add the £4500 (their fee) to the £9000 and it would all be wiped off no later then 9 months down the line.

Which could be considered fraud.

3) She is told mbna use delaying tactics and so the case is never any closer to coming to a conclusion.

MBNA have no reason to be concerned. The unenforceable credit claims have just turned out to be the scam that was expected.

She has just been told that because she has been waiting a year centro client review will refund her £4500, but she loses the initial £299 set up fee she gave them.

Thats a result. Although dont count the chickens yet. Claims companies have a reputation of saying one thing and not following through on it.

or your credit card amount was increased without asking for it (as in my Daughters case)

She dint have to spend the money though.

these lenders Know all the tricks and you will not win.

No. The courts said that the lenders had no case to answer. The only people trying it on in this case are the claims company (in telling lies to your daughter) and your daughter for trying to scam the lender out of a genuine debt.

traildad

it apears that they have changed thair name they took £3500 punds of me and refuse to give me my money back saying the case is ongoing despite me telling them to stop and just give me my money this has been going on for over 12 months

loopyloo1942

i have been ripped off for over £4000 from cento tthay took it from my account without my authorisation