ppi reclaim company

dunstonh

Tinkinpinkin wrote: »

If I refuse to pay the fee what might happen? How does it work?

They will take you to court and you will get a CCJ registered against you.

Tinkinpinkin

Hmm, so does the letter I have they sent me saying I won't have to pay the fee stand for nothing?

dunstonh

Tinkinpinkin wrote: »

Hmm, so does the letter I have they sent me saying I won't have to pay the fee stand for nothing?

Not if they can show it was an error that it was sent and that you do correctly owe them money

Tinkinpinkin

Ok thanx. Still not sure wot to do. Would u suggest I just pay the fee or argue it?

DrSqueeze

Tinkinpinkin wrote: »

Ok thanx. Still not sure wot to do. Would u suggest I just pay the fee or argue it?

I'd say there's no harm in discussing it with them.

Assuming you've signed a contract/agreement with them to pay their fee, they can demonstrate that you've agreed to pay.

However, you have a letter saying that for one of the claims they "wouldn't be charging a fee". It's not unreasonable to ask them to honour their "offer". They should be more careful and not make mistakes like that.

Be prepared that they may refuse. And if the second refund was paid to them, they might simply deduct both fees from it and send the balance to you.

As their correspondence was inaccurate / misleading, I would ask them to consider reducing the fee as a "gesture of goodwill".

As with the PPI claims themselves, be prepared that you might not get what you want - but it's worth asking.

Tinkinpinkin

Ok, update on my ppi claim. I have today received a cheque from my reclaim company, they have deducted the fee. Now, should I contact them about the money thats been paid to me direct into my savings bank acc, not through them, from my second claim? Iam thinking because they made a mistake sending me a letter stating they wouldnt be charging a fee, maybe it's only fair I just pay the fee once and not twice. Should I keep quiet or be honest and tell them I have received the money? Any suggestions much appreciated! :-/

DrSqueeze

If / when the claims company finds out you've been paid they will expect you to pay their fee. They may well chase 'outstanding' cases and the lender will advise that they paid to you directly.

Read through your agreement to see what you've agreed to. There may be a clause which obliges you to notify them of any settlements you receive directly.

You have a number of options:

1. Be up-front, tell them and pay the fee
2. Try to negotiate a reduced fee in view of the content of their letter
3. Don't tell them, but when they find out be prepared to pay the fee
4. Don't tell them and hope they don't chase you or the lender for an update (which they probably will)

Tinkinpinkin

Hmm, I'm usually very upfront and honest but that hasn't done me any favours in the past as I was taken for a ride by an ex with a very messy financial situation.So I'm thinking mayb to just play dumb and not tell them and if they find out to say oh thought I only payed the fee once! I just dont feel they've been very fair about the whole situation, I mean they say they're there to help sort your finances but in actual fact they're not, they just want your money like every other person!

DrSqueeze

As for what I would do, this would be my approach:

I'd send them a letter saying: "I have now received the other payment, and I note from your letter dated xx/xx/xx (copy enclosed) that you do not require a fee. Thank you for your assistance."

DrSqueeze

Tinkinpinkin wrote: »

So I'm thinking mayb to just play dumb and not tell them and if they find out to say oh thought I only payed the fee once!

Fair enough, provided you keep enough money aside in case you need to eventually pay the fee. At the very least you can earn a little interest while it's in your bank.

I just dont feel they've been very fair about the whole situation, I mean they say they're there to help sort your finances but in actual fact they're not, they just want your money like every other person!

They're in business to make money. They provide a service and charge for it, even though many feel they charge a very high price.