we fight any claim

lcweh01

i have had a call from we fight any claim this week about ppi claiming back, i have paided them some fees and sent them all my details. after reading stories on various website i have decided to not go ahead. the terms and conditions say that their is a cooling off period of 14 days and that i can have a full refund yet when i rang to ask the man he said i owe them for what work they have done, I am terrified they wont refund me what should i do if they wont give me my money back, shall i contact my credit card company?

dunstonh

shall i contact my credit card company?

Your credit card company cant do anything.

You should make a formal complaint demanding a refund due to change of mind and pressure selling. You should also point out that it is against MoJ rules to take a payment up front until you have received the terms in writing first and that you will report them to the MoJ if they do not immediately refund you.

lcweh01

thank you for your reply, in the terms and conditions it says i have 14 days cooling off and then after the 14 days any work done needs to be paided for, since its not 14 days since i took this on do i have a case for getting the whole amount back do you think?

dunstonh

absolutely you do. If they refuse then they are breaking their own T&C and MoJ rules. Put a formal complaint in. If they still refuse, take it to the MoJ.

magpiecottage

dunstonh wrote: »

Your credit card company cant do anything.

Not entirely true. If they charged you more than £100 and you paid on a credit (rather than a debit) card the the credit card provider will be jointly and severally liable.

dunstonh wrote: »

You should make a formal complaint demanding a refund due to change of mind and pressure selling. You should also point out that it is against MoJ rules to take a payment up front until you have received the terms in writing first and that you will report them to the MoJ if they do not immediately refund you.

It will be better to do this first, regardless of whether you can claim on your credit card.

However, if you paid on a Visa card you may be able to do a chargeback. That is a possibility whether it is a credit or debit card and regardless of the amount - but there is a time limit.

lcweh01

Just cancelled my contract with We fight any Claim and they said they are going to tell the banks i no longer wish to claim off them, and that i wont be able to claim myself, Is this right have i just shot myself in the foot. I told them i didnt say i wont claim i said i wont be using them, can they do that?

dunstonh

lcweh01 wrote: »

Just cancelled my contract with We fight any Claim and they said they are going to tell the banks i no longer wish to claim off them, and that i wont be able to claim myself, Is this right have i just shot myself in the foot. I told them i didnt say i wont claim i said i wont be using them, can they do that?

You can put a complaint in yourself. Just make sure the bank have cancelled the authority to deal with WFAC first.

clareS_2

Thanks for all the info here! I was just phoned by this lot but got suspicious when I looked at web forums and ended it. They called back but I talked over the "financial adviser" and told them to delete my details, then I hung up again.

I didn't give them my bank details so I should be safe?! They do have my email and home address as well as my numbers though! argh!

dunstonh

They called back but I talked over the "financial adviser" and told them to delete my details, then I hung up again.

Please do not refer to them as financial advisers or think they are financial advisers. They are unqualified individuals. Not advisers. The are not regulated or authorised by the FSA and if any of them try and pass themselves off as advisers then you should report them.

Virtually anyone could be up and running as a claims company within a few weeks if you wanted. It doesnt require any qualifications or experience. You dont need to know a thing about the products they tell you to claim about.

HughJarse_2

dunstonh wrote: »

Please do not refer to them as financial advisers or think they are financial advisers. They are unqualified individuals. Not advisers. The are not regulated or authorised by the FSA and if any of them try and pass themselves off as advisers then you should report them.

Virtually anyone could be up and running as a claims company within a few weeks if you wanted. It doesnt require any qualifications or experience. You dont need to know a thing about the products they tell you to claim about.

Are Financial advisers qualified professionals who have studied at university for a minimum of 3 years?

No, they are salespeople who have completed a short FSA approved course. I myself successfully completed the Lautro course to become authorised to sell and advise on life insurance investments back in 1993. The course took 2 days to complete. I understand that I had one of the highest pass rates for the course I completed in the company I worked for.

Obviously I sold the best products applicable to the customers, and not the ones that paid me the highest commissions.

I earned a lot of money back in the early nineties.;)

WhiteHorse

lcweh01 wrote: »

... they said they are going to tell the banks i no longer wish to claim off them ...

That would be a breach of the Data Protection Act and as such a criminal offence.