Cento Client Review

dunstonh

Report them to the Ministry of justice. Given the number of bad comments we get on this board about them, hopefully the more that do that, the more the MoJ will likely take action.

natweststaffmember

http://www.legalbeagles.info/forums/showthread.php?t=16630
See here for more on Centro Client Review.

MarkyMarkD

I presume they will have called him by random number dialling, which isn't covered by the phone preference service IIRC (and obviously isn't impacted by being ex-directory).

adr0ck

i have been contacted by this company recently.....

(again loans.co.uk)

this is the email they sent me:

Dear Sir/Madam,
The history of the Finance market is dogged by miss-selling and unfair relationships between borrower and lender. Cento Client Review 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 Cento Client Review 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.
The administration costs of £149.99 or £199.99 will be refunded to you if in the unlikely event that your particular claim does not fit this criteria.



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 15605
Our registration can be viewed at http://www.claimsregulation.gov.uk/.
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 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 customer 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 claim 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.
Cento Client Review 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, 14 Maenol Glasfryn Llangennech Llanelli SA14 8SJ Telephone 01554 824275/6




This company reminds me of all the lottery email scams where they say you have won a million dollars but to get it you just need pay a $1000 upfront


oldest scam in the book

A4RT1

I have just been contacted by this company - Client connection limited and they were saying how much money I could clam back dating back to the last 7 years!

They said that I would initially need to pay a £150 claim fee which would be refundable if I didn't win any claims..

So I asked them for a website and she gave me the Ministry of Justice site along with a company number - and according to this site they are a authorised business. I found it very strange that the couldn't give me their own website so I thought i would do some digging around.

After reading this I think its best that I dont use them and if I want to claim anything then I should do it myself! What I find disgusting is that they had my telephone number, email address and knew my full name. On top of that throughout the conversation I gave them so much information about my finances.

To me this is very dodgy...

milly88

adr0ck wrote: »

i have been contacted by this company recently.....

(again loans.co.uk)

this is the email they sent me:

Dear Sir/Madam,
The history of the Finance market is dogged by miss-selling and unfair relationships between borrower and lender. Cento Client Review 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 Cento Client Review 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.
The administration costs of £149.99 or £199.99 will be refunded to you if in the unlikely event that your particular claim does not fit this criteria.



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 15605
Our registration can be viewed at http://www.claimsregulation.gov.uk/.
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 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 customer 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 claim 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.
Cento Client Review 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, 14 Maenol Glasfryn Llangennech Llanelli SA14 8SJ Telephone 01554 824275/6




This company reminds me of all the lottery email scams where they say you have won a million dollars but to get it you just need pay a $1000 upfront


oldest scam in the book

So far, I have not come accross one person who has actually been sucessful. In fact what is happening is that some 4 months down the line they contact you and tell you you have £xxxx to come back, but before they can deal with it for you a further say £500 has to be paid. No evidence is ever produced and no one so far has received any money.

It gets me how people will part with their money on the basis that they are told they they are due a huge refund.

I notice in their blurb which you kindly posted up, state they have solicitors. As far as I can make out in the earlier threads they were telling prospective clients that Forbes Douglas were solicitors. I have it on good authority that they are definately not solicitors and neither do they employ solicitors as I have spoken with the MD of Forbes and he also confirmed that they are just another CMC.

I know that Cento now pass their clients papers on to another CMC who are also not solicitors. Again I would not like my personal information passed from pillar to post, so be very warry.

Anyone in any doubt about this company or indeed any other CMC who cold call you and who quote figures on the phone to lure you must be reported to the Ministry of Justice as they are definately not allowed to do this. You also have to remember that they are not privvy to your personal information and so they are only guessing what sort of refund your could get back.

They told me that I had £3K to come back from a particular mortgage lender. This was not true, the Mortgage Company that I was with I did not have PPI and neither did the premiums add up to £3K. So it was for me a pie in the sky figure designed to lure you.

I cannot prove that they got our information from the stolen Data from loan.co.uk but an awfull lot of people who had their data stolen has been contacted by Cento, maybe just a coincidence, who knows?

Tuttsi

Jo*_2

I got a call from these people today and got told all the same stuff that everyone else has. I have no idea how they got my number but it is possible that i've contacted loans.co.uk in the past. I never actually got the chance to ask how he got it.

I was very sceptical, so much that he kept mentioning the MoJ and i also find it hard to take in that i would give over account information to someone who simply phoned and asked me for it.

He said he'd call back on friday when i have all the paperwork to hand but i guess after reading this thread, i wont be answering the phone

bazzani

I feel really stupid now... I got contacted by them aggressively back in October and I went for their speel and paid them the £149.99 upfront fee, filled in the details about ALL my bank accounts/credit cards), and returned it to them.

After looking at my details, about a week later I was offered their Platinum Service on two of my credit cards (Virgin/MBNA) that would enable them to do a "seek zero balance and closure of account" on these accounts due to unforceable agreements.

I agreed to this service (Foolishly I feel now), which cost me £500 per credit card (£1000) in total.

As far as I am aware, paying by credit card is always a good idea in case a company does not give you the service they say they will, so I am hoping that my only saving grace to get my money back from Cento will be to use this situation, but I am not sure as how to even go about that.

I did get a receipt for the £149.99, but I have not received any kind of receipt for the £1000, even though it has been taken out of my credit card.

I haven't heard anything from them in the past few days, but after reading alot of forums online, I am more keen to get all my money refunded and just pay off the credit cards on my own ASAP!

Any advice or comments would be great.

bazzani

I feel really stupid now... I got contacted by them aggressively back in October and I went for their speel and paid them the £149.99 upfront fee, filled in the details about ALL my bank accounts/credit cards), and returned it to them.

After looking at my details, about a week later I was offered their Platinum Service on two of my credit cards (Virgin/MBNA) that would enable them to do a "seek zero balance and closure of account" on these accounts due to unforceable agreements.

I agreed to this service (Foolishly I feel now), which cost me £500 per credit card (£1000) in total.

As far as I am aware, paying by credit card is always a good idea in case a company does not give you the service they say they will, so I am hoping that my only saving grace to get my money back from Cento will be to use this situation, but I am not sure as how to even go about that.

I did get a receipt for the £149.99, but I have not received any kind of receipt for the £1000, even though it has been taken out of my credit card.

I haven't heard anything from them in the past few days, but after reading alot of forums online, I am more keen to get all my money refunded and just pay off the credit cards on my own ASAP!

Any advice or comments would be great.

di3004

Hi and welcome

I'm sure there are posts about this company on here already, if you can check the threads.

Many have made this mistake, but do not beat yourself up over this, as annoying as it is, we all learn by our mistakes.;)

You could if you have not done so already contact the Minsistry of Justice (MOJ) complain about them.
http://www.justice.gov.uk/contactus.htm

Hopefully someone will have some answers and advice for you on this and will post shortly.

Hope you get through this and it resolves very soon for you, good luck.

Di