Reclaiming PPI through Claims Advisory

shaft144

In 2005, I bought a TV from Dixons, on credit. About 6 months later Beneficial Finance approached me and offered me a loan to pay off the TV and have a bit more extra cash. I took up the offer and that was when I was missold the PPI as the agent told me that I had to buy the PPI to get the loan.

I am now making a claim back through Claims advisory Group.

Two things. I have agreed to pay claim advisory the 39% (I signed a contract, idiot me!!!), however their service has been shoddy and they have been rude at times, telling me I am not the only one whose claim is being processed and all but admitting that there would have been no difference in how quickly my claim would be settled if I had handled the claim myself. :mad:

I have been made an offer by Beneficial Finance but am still waiting to be paid out, 6 weeks down the line.

I completed all the paperwork for the loan through Beneficial Finance, but I later applied directly to Dixons and have been made an offer. Claims Advisory have said that the should have 39% of that as well as it was linked to my original claim. I have refused on the grounds that I did not authorize them to claim that money from Dixons.

Are they right? I did not authorize them to claim from Dixons.

Anyway, I am now thinking of paying back Claims Advisory in monthly instalments, as slowly and as painfully as they have worked in getting me my money back. I am sure they will threaten legal action with letters and phone calls, but to be honest, I have been through a lot, lot worse in the last few years.

dunstonh

I am now making a claim back through Claims advisory Group.

You have my sympathies.

Are they right? I did not authorize them to claim from Dixons.

Americans use Z. British use S. Not one to pick up on spellings normally (as we all type fast on the internet and make mistakes - Just dont like Americanisation (or Americanization ) or our words.

If you didnt employ them to make that complaint and they can provide no evidence to show you did then they dont have a leg to stand on. They will huff and puff and threaten but the worst they can do is take you to the small claims court but before they do that, they have to submit evidence to court in advance and provide you with a copy. So, if the cannot supply evidence, it will not even get to court. If they supply evidence and it then looks like you are liable, then you can pay at that point at no cost to you. Even if it goes to small claims court and the judge rules against you, if you pay at that point, it is not held against you in any way.

shaft144

Thanks, (apologies for the spelling, my spell check is obviously American as it seems to be doing this all day, must change settings).

My other question is, can I pay them on my terms rather than theirs? They are likely to demand payment within 7 days of receiving the settlement, I am thinking more along the lines of 7 months?