Consortium Reclaim

dunstonh

Pamela99 wrote: »

I'm an idiot. I stupidly signed up with these back in august 2010 feeling pretty desperate when a 'friend' who worked for them suggested i give them a go. they maxed out my cards putting me over my credit limit and have done very little to help me. out of 3 cards/loans they could only deem one uninforceable the rest they want to 'explore other avenues' with. i said that was not what i signed up for and i wanted a refund and they told me no its in out terms and conditions you have to do it. now i'm in real hardship and there is nothing i can do about it. Im totally gutted and would advise anyone to STAY AWAY FROM THIS COMPANY!!!

Some friend!

Complain to the ministry of justice. The MoJ rely on complaint volume to look at firms. They will also help you get a refund if the firm has broken rules. The fact you signed up in August 2010 which was 8 months after the test cases showed it was a no-go for unenforceable credit works in your favour.

murdochmadden

a relation recently agreed to letting these people work for them, and now we are having problems...

they took an extravagant amount (not what was agreed) from the credit card

the credit card company won't do anything unless we speak to them first. :mad::mad::mad:

CR - take phone message but never return phone calls :mad:

CR - say send them an email, but they never acknowledge that they got it :mad:

Does anyone know how to get rid of these people and cancel the claim/process before the 28 days is up???

Thanks in advance

murdochmadden

finally we got through to them.

here's the latest:

CR say (and they have it in very small print on the documentation) that it is a 14 day cooling off period... not working days but days!

the contact starts from when they end the initial sales call to you (in this case 27 June), this makes the last cooling off day the 11th July

we made initial contact with them on 12th July

the letter we received was dated the 28th June, allow postage days.. say 30th June but that doesn't matter as the contract starts on second you set down the phone!

any thoughts on how we get around this... ????

mj12_2

murdochmadden wrote: »

finally we got through to them.

here's the latest:

CR say (and they have it in very small print on the documentation) that it is a 14 day cooling off period... not working days but days!

the contact starts from when they end the initial sales call to you (in this case 27 June), this makes the last cooling off day the 11th July

we made initial contact with them on 12th July

the letter we received was dated the 28th June, allow postage days.. say 30th June but that doesn't matter as the contract starts on second you set down the phone!

any thoughts on how we get around this... ????

tell the credit card company you want to make a claim under the Consumer Credit Act Sect 75.

also I highly doubt that the contract started after the initial sales call... it would start once you had signed the papers and returned them I imagine.

Common_Sense_2

murdochmadden wrote: »

finally we got through to them.

here's the latest:

CR say (and they have it in very small print on the documentation) that it is a 14 day cooling off period... not working days but days!

the contact starts from when they end the initial sales call to you (in this case 27 June), this makes the last cooling off day the 11th July

we made initial contact with them on 12th July

the letter we received was dated the 28th June, allow postage days.. say 30th June but that doesn't matter as the contract starts on second you set down the phone!

any thoughts on how we get around this... ????

regulations governing CMC's state that a business must provide a client with specific information in writing before a contract is agreed.

I'd suggest you call them and quote "client Specific Rule 11" at them.

joanna1978

I also had calls from this company and ignored them, eventually i did answer the phone and I am glad that I did, I had money back frm misold ppi and 2 credit cards deemed unenforcable which ment i didnt have to repay the balances on my cards, my advice is to answer the phone, the staff are polite and helpfull and I am now in a better financial position due to the banks mistakes not mine!!!!
I think people got too much time on thier hands and have nothing better to do than post on forrums all day....

southtoday

I would say be careful with any reclaim company as they all take a chunk in commission. That in its self has become big business. They will bill you as much as 20-25% fee from your repayment. I went through reclaim company's as I wasn't confident I could do it myself & they had a fair wack out of it, but I still had enough back to clear my credit card balance so I was happy. But now with the change in law recently give it ago yourself as banks are setting money aside to replay PPI claims & seem to be more amiable & you get to keep 100% of the repayment. Santander have been helpful. Somethings go the consumers way sometimes & your only getting back what you are owed + interest. If you dont try you will never know. Go to your bank & ask to speak to somebody, they should give you the number of the dept you need to contact & give you help although you have to make the claim, they wont/cant do it for you. They seem to have set up departments especially to deal with PPI claims GOOD LUCK !!!

Becksibee

My mam just got a call from these, she was talking fir around 15 minutes when I asked her what the company name was. It took around 5 minutes before she got a chance to speak and asked them. She said it out loud to me and started goggling it on my iPad, the woman on the phone then asked my am if she had internet access so mam said yes, the woman told her to google them and then said that she don't gave enough debt and cut the call. Up to her asking she had enough debt. [TEXT DELETED BY FORUM TEAM]

Paul_Kernowman

I expect for every one person that is helped by this company, many more will pay up a fee, which probably wipes out anything they could have saved. I don't have any Credit Cards which have PPI's and resent the cold calling. I just tell them I don't have any PPI's and they cannot help me - polite, but just don't allow them to draw me into a conversation.

jessicarabbit1978

Hi, Im new aswell, but just wanted to say thanks to everyone. Ive just had 'the call' from CR and managed, after 15 minutes, to get off the phone with the promise that I would talk to my husband and get back to them. I wanted to do more research and now Im so glad I did! I look forward to the battle of saying No!