Do Not use Brunel Franklin

turkey_mike

Sorry zx81 my mistake

turkey_mike

takman in hindsight you are correct and in hindsight I would do it myself for free, but as I have said at the time of claiming I would not have contacted this bank so it is for this reason I am happy with BF and the result, I am not and have never said I am happy with the amount BF take but that was the decision I made at the time, and as you kindly quoted me I did say 'if you can't be bothered doing it yourself', I did not and do not recommend using a 3rd party if you can be bothered to do it yourself.
As for the £15.6k I know it was my money, I know the bank cheated me out of it and no I would not have given even you access to my bank account.
Multiple posts online, hmm they are replies to people who did not read what I have said,
turkey mike 12 posts, takman 2,697 posts

turkey_mike

takman you conveniently did not highlight the bit where I said "can't be bothered to do it themselves" so once again I have to say read all(and highlight all)

brettcta

I work assessing PPI complaints for a high street bank and there’s plenty that CMCs can and do get wrong.

turkey_mike

I am sure they do, no one is perfect and as I seem to have proven not even silly me. Keep up the good work and keep on giving large sums back to your banks customers

takman

turkey_mike wrote: »

takman in hindsight you are correct and in hindsight I would do it myself for free, but as I have said at the time of claiming I would not have contacted this bank so it is for this reason I am happy with BF and the result, I am not and have never said I am happy with the amount BF take but that was the decision I made at the time, and as you kindly quoted me I did say 'if you can't be bothered doing it yourself', I did not and do not recommend using a 3rd party if you can be bothered to do it yourself.
As for the £15.6k I know it was my money, I know the bank cheated me out of it and no I would not have given even you access to my bank account.
Multiple posts online, hmm they are replies to people who did not read what I have said,
turkey mike 12 posts, takman 2,697 posts

turkey_mike wrote: »

takman you conveniently did not highlight the bit where I said "can't be bothered to do it themselves" so once again I have to say read all(and highlight all)

I have read everyone of your posts in this thread and your the one who isn't reading and understanding what the other posters are saying. Did you miss this post:

dunstonh wrote: »

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.

If someone says they "can't be bothered to do it themselves" then they don't understand what the Claims Management Company actually do.

You filled out a form with the information they wanted and sent it to the CMC.
If you did it yourself you would have had to fill out a form and send it to the credit provider.

Your basically doing exactly the same thing by doing it yourself and you get to keep all the money yourself.

So recommending that someone uses a CMC if they "can't be bothered to do it themselves" is very poor advice. The best advice is saying that you still have to fill out a form no matter what so there is no point in involving a CMC.

turkey_mike

For goodness sake takman you still can not read plain English, as I said the account that the refund came from was an account from a bank that I would not have written to even with prior knowledge that I could do it for free for the plain and simple reason that I did not believe there was any PPI on it and it was from 1993, the two credit cards I thought may have had PPI on and that I may have written to for free with prior knowledge had NO PPI on them, is that clear enough for you? I only posted replies to people who kept going on about letters, stamps and paying BF £5k for a few minutes work.
About your quotes yes I did read them and as I have said hindsight is a wonderful thing but I can not turn back time, could you let me know how?
According to Megan French on MSE 12 million people have claimed back PPI and there have been 6.65 million templates downloaded off MSE, good to see I am not the only imperfect one and there are around 6 million others that have used a 3rd party, silly people.
Etiquette button is a good read, it's in plain English and recommended.
Off to the shops to spend some of my £15k:)

takman

turkey_mike wrote: »

For goodness sake takman you still can not read plain English, as I said the account that the refund came from was an account from a bank that I would not have written to even with prior knowledge that I could do it for free for the plain and simple reason that I did not believe there was any PPI on it and it was from 1993, the two credit cards I thought may have had PPI on and that I may have written to for free with prior knowledge had NO PPI on them, is that clear enough for you?

Like i have said i have read every one of your posts but again you seem to have missed the point i am making in my posts completely. I invite you to review what i posted above:

takman wrote: »

turkey_mike wrote: »

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.

Even though by using this company they have effectively taken £5000 of your money your recommending people to use them!.

From reading your posts i think the advice should be for people to contact every lender they have ever borrowed from and ask them if they have any records of them having PPI. This would then enable them to make any complaints that they felt were warranted based on that information themselves.
You may not be aware of this but using a Claims Management Company also reduces the chance of the claim being successful, so that is another reason not to recommend one.

So after your experience you are still recommending that people use a CMC in certain circumstances. As i said in the above post i completely disagree and they should not be used in ANY circumstances. So again i repeat myself the best advice you could give after your experience is to write to EVERY lender you have had credit with in the past and request information on any PPI you had.

turkey_mike wrote: »

I only posted replies to people who kept going on about letters, stamps and paying BF £5k for a few minutes work.
About your quotes yes I did read them and as I have said hindsight is a wonderful thing but I can not turn back time, could you let me know how?

According to Megan French on MSE 12 million people have claimed back PPI and there have been 6.65 million templates downloaded off MSE, good to see I am not the only imperfect one and there are around 6 million others that have used a 3rd party, silly people

Hindsight is when you review a situation that has occurred in the past and come to a conclusion that you would be unable to at the time of the event. This doesn't apply here because people were advising to not use CMC and to write to every lender on here long before you made your complaint. So the information was available if you chose to look for it and if you logged into this site more often you would have been £5k better off.

But i don't have an issue with what you did in the past i have an issue with you advising people to use a CMC which is bad advise and could cost someone a lot of money, just like what happened with you.

turkey_mike wrote: »

.
Etiquette button is a good read, it's in plain English and recommended.
Off to the shops to spend some of my £15k:)

Also one last bit of advice. From the way you keep on about the £15k it suggests this is a big windfall for you and previously you had little savings. If this is correct then you should look at the bank accounts or investments part of this forum and see where the best place is to put that money and get the most interest from it.

turkey_mike

takman wrote: »

Also one last bit of advice. From the way you keep on about the £15k it suggests this is a big windfall for you and previously you had little savings. If this is correct then you should look at the bank accounts or investments part of this forum and see where the best place is to put that money and get the most interest from it.

Maybe you don't think a windfall of £15k is a lot of money but to most people including myself it is, and for your info I do have savings that are earning as much as possible in these low interest days, but thanks for the advice. Also I don't have any credit cards now and haven't for over 10 years, I live within my means and if I can't afford it I don't buy it, which I would think even you would say is good advice.

As I didn't know about the free template download at the time of claiming, the helpful after the event information is good in hindsight, again you are talking as if everyone is perfect and knows all about these things, newsflash 6 million people didn't, but if everyone was perfect we would not have been charged for PPI. So yes in HINDSIGHT I wish that I had downloaded the template and done it myself but I didn't so I am happy with my refund.

I do understand what you are saying, you seem to think I say that everyone should use a 3rd party for their claim, I don't. I said "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." which is different than telling everyone to use a CMC. My comments about BF were from my personal experience, ie. I have no complaints about the service I received, was it worth £5k? Definitely not, but I made the decision to use them and have to live with it. I have discussed this with friends at work and told them how much I was charged and that I could have done it for free, I didn't believe the response, all but 1 out of 15 said they would still use a CMC even though I told them they could do it for the price of a stamp, some even asked me who I used and went on their web site and this was after I showed them where to download the template. You see some people just can't be bothered to do it themselves, and that is why there are 6 million of we silly people.