Lifestyle Claims

denisiw

magpiecottage wrote: »

Tell your bank it is an unauthorised debit and you want it cancelled in accordance with FSA rule BCOBS 5.1.11.

Then report the matter to [EMAIL="consumer@claimsregulation.gov.uk"]consumer@claimsregulation.gov.uk[/EMAIL]

Unfortunately the MOJ seems utterly incompetent as a regulator so I suggest you also raise the matter with your MP. If they keep getting constituents doing this then they will sooner or later start asking Ken Clarke awkward questions.

This morning I have e-mailed a complaint to the e-mail address you posted above.

I have just spoken to Tesco Bank about disputing the debit and they say that I have to give the company a chance to repay the money, if I then have a problem with this I can then start a dispute. So I'll send the documentation back and see what happens.

Cheers.

Denis

canney_jane

I have just had a call from Lifestyle claiming I can get about £8000 comp. At first they were really nice and friendly until I told them I was not prepared to shed out £350 + to start the claim, then the guy gets totally bolshy and says I am wasting his time!! I was quite shocked how the conversation had changed and put the phone down. Is this normal practice for these callers? If i am entitled to some compensation is there someone you can go to on a face to face basis? Any replies would be helpful.

Thanks

[Deleted User]

canney_jane wrote: »

If i am entitled to some compensation is there someone you can go to on a face to face basis? Any replies would be helpful.

Even the most "respectable" Claims Management Companies are sharks in our (the forum's) opinion, so no one will recommend you visit one of them.
Well done for refusing the cold caller, but please don't be tempted to sign up for something which you can do yourself for free.
You don't say if you even have PPI, but if you suspect you did go here:
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance
or here:
http://www.moneysavingexpert.com/reclaim/ppi-credit-card-insurance
and follow the simple steps.:)

stalkyward

I received a call on my mobile this morning and was told that I could claim for mortgage protection payments, also told I could claim back interest from mortgage lenders up to 8% on 3 times I have changed my mortgage terms or lender. I was told a figure of around £7 or 8000 and that It would cost me a "one off" payment of £299 + vat. I told the caller that I don't pay for things over the phone but he was welcome to call me when I got home from work. Having checked out Lifestyle and read comments on this site I will certainly be asking a few questions when I do get that call. How can I find out If I really am entitled to refunds? and how do I go about It? Any advice would be much appreciated.

linzimarie

hi new on here so no clue where to post. basically need help with getting money off paywizard that i asked to be transfered from paywizard account to my bank account on 13.07.12. it says on their website funds are transfered immediately yet still no sign of it in my bank account.

denisiw

I have received a reply from [EMAIL="consumer@claimsregulation.gov.uk"]consumer@claimsregulation.gov.uk[/EMAIL]. They said.

"Companies are able to cold call consumers as long as it is in accordance with the Direct Marketing Association’s Direct Marketing Code of Practice, for example they must not call numbers that are listed with the Telephone Preference Service. If we are provided with evidence of this practice, the information will be passed to our Enforcement Team to investigate further.

My mobile is not registered with the TPS.

They also said.

"However, the other information that you provided, that the business took a payment from you before providing you with written details of their services, is a breach of the rules. This has been recorded on our database against Client Connection Ltd trading as Lifestyle Claims. We closely monitor trading practices of authorised businesses. Any information provided will be used to inform our enforcement work to tackle breaches of the Conduct of Authorised Persons Rules and other relevant requirements. Any enforcement work will be taken in accordance with our enforcement policy which is available at www.justice.gov.uk/claims-regulation "

I received the claim pack from Lifestyle yesterday. I put the contents, unsigned, in the pre-paid envelope and took it to the Post Office where I got a proof of posting certificate. I also sent a cancellation letter by Signed For Recorded. For good measure I also sent an e-mail to the Cancellations Department.

Now I've just got to wait to see what their response is.

Denis

denisiw

To update this saga:

I'd sent a couple of e-mails to Lifestyle's cancellation dept and had no reply. I sent another one early yesterday morning telling them that if the money was not credited to my credit card by 5pm on Thursday 26 July 2012 I would take the appropriate measures to recover the money I was owed.

I was contacted on my mobile an hour or so later by them and after I was told (again) that I had been identified as having a good case, I asked for my money back. I was told it could take up to 30 days to receive it. Why? They took it out in 10 minutes, why does it take them so long to pay it back? (That's a rhetorical question). Getting it back is the main thing.

Denis

julee29

This company took the £358 off by husband in October 2010 and we never got a penny - after I logged every call and name I wrote to the Head of consumer relations George Stanton in April 2012 outlining the awful service and he promised our money back in 30 working days (June 2012) because they had been so incompetent. I have since made 5 calls, twice they have told the cheque has been posted and will be with us in 7-10 days, when it hasn't arrived they then say oh it must of got lost in the post (really what twice!) Today they have said it will be posted out again.

If anyone is having trouble with this company I urge you to write or call to the Ministry of Justice 08454506858 and log your complaint. This company already has a number of complaints against them and are looking likley to undergo an investigation which will hopefully result in them being closed down! But unless everyone logs it with MOJ it will take longer.

I get so frustrated with poor customer service and this company basically has a bunch of people working for them who should of tried harder at school!!!!! If you want to feel stressed to the max and throw £358 away take them up on their offer if you don't - DON NOT TOUCH WITH A BARGE POLE!!!!!!!!!!

neilm71

I have just had a call from these people from someone called "Luke". He told me that if i did any PPI claim myself then the banks would not pay out the full amount owed and that they have examples of this happening to "one lady but once we got involved she got the full anout owed, less the 25% fee"!! This person told me that they would get more than i could but he was not willing to back this claim up with any evidence and was keen to convince me i could not do this myself. He also stated that the banks are "still ripping people off with regards to payment of PPI" I was fuming by this time and asked if he was willing to back up this claim but was not interested in backing up what he was trying to convince me of seeing as he had just wasted 5 minutes of my life, the time thief!!. I can see how some people would be convinced by the "sales patter".

denisiw

Further update: I sent Lifestyle Claims another e-mail (the fourth one) on 14 August giving them a deadline of 5pm Thursday 16 August for the repayment of my money into my credit card account. This is the reply I received:

Thank you for your recent email.

I have looked in to your file and can see the your file was cancelled on 24/07/12, and as stated in the call you had that day a refund can take up to 30 days from then. Due to the distant selling regulations we must advise this timescale; therefore unfortunately we cannot guarantee you will receive the refund before the 30th day.


If you have any further queries please do not hesitate to contact one of our dedicated customer service agents on 0844 66 99 333 (option 3)


Kind Regards
Christopher Cottam - Lifestyle Claims
Customer Services


I looked into the Distance Selling Regulations (DSRs) and found that the cancellation date is the date that the customer cancels the contract, this is my reply:

Mr Cottam.

The Distance Selling Regulations (DSRs) state that:

1. refunds must be made within 30 days of cancellation and;
2. the effective date for cancellations under the DSRs is the date on which the consumer gives notice of cancellation to the seller.

I actually cancelled my contract by e-mail on 17 July 2012, this is acceptable under the DSRs, therefore the 30 day period is up on Thursday 16 August 2012. This is the date that I stated on my previous e-mail.

So to reiterate, if the money is not credited to my credit card by 5pm on Thursday 16 August 2012 (that's this Thursday) I shall take the appropriate measures to recover from you the money I am owed and also contact the relevant authorities to report you for not complying with the DSRs.

Regards.

Surprise, surprise, my money has not been repaid so this morning I have phoned Tesco Bank to start a dispute to get my money back.

Denis