Freedom Marketing

Fortean23

My apologies in advance if this question appears elsewhere, I tried a search but nothing came up. This is my first post (despite subscribing to the newsletter), so please be gentle with me!

I was concerned this evening to find that my mother has paid £90 to a cold calling company who told her that they could reclaim her miss sold PPI for her. They told her that if they do not claim anything back for her, she will get her £90 back. The company is:
Freedom Marketing
Pall Mall Court
61 - 67 King Street
Manchester

The first question is, are they legitimate?

My second question is advice for how I should advise her on how to proceed, as she has already given them personal information.

Thank you in advance for any advice, it would be greatly appreciated.

Regards

The_Swerve

Fortean23 wrote: »

My apologies in advance if this question appears elsewhere, I tried a search but nothing came up. This is my first post (despite subscribing to the newsletter), so please be gentle with me!

I was concerned this evening to find that my mother has paid £90 to a cold calling company who told her that they could reclaim her miss sold PPI for her. They told her that if they do not claim anything back for her, she will get her £90 back. The company is:
Freedom Marketing
Pall Mall Court
61 - 67 King Street
Manchester

The first question is, are they legitimate?

My second question is advice for how I should advise her on how to proceed, as she has already given them personal information.

Thank you in advance for any advice, it would be greatly appreciated.

Regards

Well me personally, I wouldnt pay anyone to do a PPI reclaim. I would hope there is a cooling off period so your mum SHOULD be able to cancel with no penalty if she is quick.

But with these types of things, I would never expect to get my money back.

Has any paperwork come from them yet?

amersall

Get her to cancel this and if she paid by Credit Card ring the Card company to do a charge back to her card.

Then,ring these and report them.

http://www.justice.gov.uk/global/contacts/claims-management-regulation/index.htm


If your mum was mis siold ppi it is so easy to make a claim and she will get all the help on this site for FREE.

amersall

Taking up-front fees
What Information does Rule 11
require you to provide
Rule 11 requires you to provide certain information
before and therefore before any payment or fee is
taken. The information that must be provided is listed
in detail in Rule 11, this includes:
• Information to help the client decide about the
risks of claiming, in particular the possible risk of
losing money and in the case of potential legal
action, appearing in court
• Information about the service you provide
• Information about the procedures you will follow
• Contract documents and how to cancel the
contract
• Any charges you make and any other costs the
client may have to pay
• 14 day cooling off period
• Any referral fee received by the business
• Documents you will need
• Any relationship you might have with a solicitor
• How the client can complain about you
• The “regulatory statement”
• Explicit information about the client’s right to
seek further advice and to shop around
Alternative methods of funding
a claim
Rule 10 of the client specific rules requires a
business to do some checks into possible alternative
mechanisms for pursuing a claim. This includes
checking that a prospective client does not have
some legal expenses insurance that might cover the
claim or some other form of insurance that might
cover the cost of making a claim.
We are aware that many businesses take ‘up-front’ fees. But some businesses taking up front fees may be
failing to provide prospective clients with compulsory, pre-contract information as required by the Conduct
of Authorised Person Rules 2007. We are also aware that some businesses are not giving clients a reasonable
period in which to consider the information. In particular some businesses take card details and / or payment
during an initial marketing telephone call.
This is not permitted by the rules for the following reasons:
What the rules say
• Rule 1(a) requires businesses to “Act fairly and
reasonably in dealings with all clients”.
• Rule 11 requires a business to provide specific
information in writing (electronic versions are
sufficient) before a contract is agreed (details
below).
• General Rule 5 requires a business to “observe all
laws and regulations relating to its business.”
• The Provision of Services Regulations 2009,
Regulation 11 requires businesses to provide
certain information (which includes the
information in Rule 11) to be provided “in good
time before the conclusion of a contract …”
WhWhat this means for your business
and up-front fees

Whilst your business can take a payment or fee
from a client before providing the service you must
first provide the required information to clients.
The purpose of Rule 11 is to enable clients to make
an informed choice based on the pre-contract
information provided.
You must not take a payment or fee before this
pre-contract information is provided in writing and
the prospective client has had reasonable time to
consider the information. A reasonable time is not
defined, as what might be reasonable for one person
would not necessarily be reasonable for another. But
we would always consider it unreasonable to provide
the information at the point of contact – whether it
is a cold call or the prospective client contacted the
business – and request a payment or fee.
What Information does Rule 11
require you to provide
Rule 11 requires you to provide certain information
before and therefore before any payment or fee is
taken. The information that must be provided is listed
in detail in Rule 11, this includes:
• Information to help the client decide about the
risks of claiming, in particular the possible risk of
losing money and in the case of potential legal
action, appearing in court
• Information about the service you provide
• Information about the procedures you will follow
• Contract documents and how to cancel the
contract
• Any charges you make and any other costs the
client may have to pay
• 14 day cooling off period
• Any referral fee received by the business
• Documents you will need
• Any relationship you might have with a solicitor
• How the client can complain about you
• The “regulatory statement”
• Explicit information about the client’s right to
seek further advice and to shop around

cjbaddiley

Concerning Freedom Marketing ....

Last year I was rung up by a company called Easy Claims alsoknow as Claims2Save. Repeatedly saying they could recover an under maturedendowment policy of six years ago. But Ihad complained at the time but never concluded due to the loss of my wife and myparents in short succession. They said this would be mitigation circumstancesand they were experienced in dealing with such matters. Repeatedly ringing methey asked for an upfront fee of £249 for which they would also do a fullfinancial review, and they assured me they would reimburse if not successful. e-mailingtheir general information , nothing more. Eventually I paid on my debit card onthe phone and received nothing but confirmation of the withdrawal by laterreturn phone. Months passed and I repeatedly rang them and they said they wouldring back and never did or did not answered the phone. I later learned thatthey had gone into receivership; and three companies wrote to me to take over. Butnone of them in their terms and conditions were going to refund the money.
My repeated letters to the original company were returned tome as return to sender.
I then learnedanother company was dealing with all the original clients , that is Freedom Marketing.
They seemed helpful on the phone and said they had my filewhich wasn't in order because I had never received the paperwork to sign. Thefinancial review was to be about my pensions but I pointed out that I am alreadydrawing them and so that was irrelevant.A few months ago they rang me to say they were going to reimburse my upfrontmoney the next day and asked for my bank details which I gave. Nothing happened.I have written many times without any reply. Their phone number is inactive.

Can I take this to the financial ombudsman?, What can I doinstead?

I've already dealt with one PPI claim company on a creditcard of my late wife who took a third of the claim but it took nearly a year toget it and they hounded me for many months saying they had completed when Ihadn't received the money at all. That was before I realised I could do itmyself. I chased up all the other creditcards from my late wife which I had to pay off long ago on her death and my ownwhich I no longer have, and it took the banks nine months to come back to methat none them have PPI on them. Another chaseup company is pursuing a mis-soldshare portfolio and that has been going on some considerable time. If only Ihad known I could do with things myself originally.

Chris Baddiley