PPI Reclaiming Discussion Part 5

Woodsy76

Emotional attachment aside, you think going door to door to sell a vastly over priced service to a community that will be the least internet savvy, is a reputable business practice? Someone prepared to do that, I would imagine is also prepared to be less than clear when explaining the implications.

I see you’ve dialled the condescension up a notch! I’m aware sols provide legal advice. I didn’t say she was pressured, but without a recorded phone call as evidence if this was a telesale, who knows what has been said or not said to make the sale. Also I didn’t say she was senile but elderly people are often intimidated and confused easily without being mentally infirm.

lilia_fellini

... one way of doing it would be to question your mom's capacity to make financial decisions on her own behalf... if this is what you really believe? But this opens a whole new can of worms and I would certainly think twice before going down this route...

My mother-in-law went off and bought a brand new car on a finance - even thought she could pay for it outright - got talked into it by the sales agent (I don't even know how!) so she ended up paying interest on it for years to come, while she had thousands of pounds sitting in her current account doing nothing (sigh...). It was not even such a good car either... However, foolish as she may be, it was her money to spend and her car to buy whichever way she wanted. My partner and his brother were ripping their hair out at her stupidity, but there was nothing they could do and they certainly could not accuse the sales agent in forcing her hand. Just saying...

societys_child

@ lilia_fellini

Does this mean I did not have PPI?

Many, many people have never had PPI, so you would not be alone.

PPI is easy to spot on any monthly statement where it is charged. It's itemised on a separate line.

Don't be spending your "thousands" yet . . .

lilia_fellini

Ha-ha! No, not spending anything yet. I have a few more banks to check, but fairly sure I am good.

I am trying to convince my partner, but he keeps telling me about "Kelly at work" and "you know, that Dave guy" who apparently got thousands back. I guess I am just luckier (or dare I say, savvier) than "Kelly" and "Dave".

It's not my fault I read the small print! :A

dunstonh

Emotional attachment aside, you think going door to door to sell a vastly over priced service to a community that will be the least internet savvy, is a reputable business practice?

It doesnt matter what I think. It matters what the law is. Door knocking is allowed.

I didn’t say she was pressured, but without a recorded phone call as evidence if this was a telesale, who knows what has been said or not said to make the sale

You certainly gave the impression that she was pressured. Mentioning her age and how you think "they were targeting elderly people who would be more vulnerable".

As you say, there is no evidence. That means there is no evidence of wrongdoing.

My partner and his brother were ripping their hair out at her stupidity, but there was nothing they could do and they certainly could not accuse the sales agent in forcing her hand. Just saying...

It is fair to be frustrated at the waste. That is natural when you know what little CMCs actually do. However, what did your partner and his brother do to help their mother reclaim the PPI? It is all very well being frustrated after the event. However, perhaps they should be equally frustrated that they didnt help her in the first place.

Frustration does not mean anything wrong has been done. And without evidence of wrongdoing, there is nothing that suggests a hint of getting out of paying.

-taff

Woodsy76 wrote: »

I will keep my fingers crossed that others might contribute to this thread today other than this guy who seems firmly on the side of rip off companies that take a third of claims for doing almost no work. I won’t go into how they visited my mother in person to get her signature on the form and didn’t explain the charges in any detail. She lives on a residential estate so it appears they were targeting elderly people who would be more vulnerable. Buy hey it’s a contract so they’re the good guys, right? ����
Anybody else?
Expected more from MSE forum

Expect to be told the truth however unpalatable it is.

We would never condone anyone using a company. However, it's not our fault your mother decided to use one. She's an adult. If she is a vulnerable adult, the maybe someone should be managing her finances.

Claims companies will take you to court if you don't pay up.


Edited part - I see youve already been answered several tmes about this so I'll skip to this post

Woodsy76 wrote: »

Emotional attachment aside, you think going door to door to sell a vastly over priced service to a community that will be the least internet savvy, is a reputable business practice? Someone prepared to do that, I would imagine is also prepared to be less than clear when explaining the implications.

You're stiff confusing what dunston is telling you. He doesn not support the practices of claims companies, he is being factual. You are inferring things that aren't true because you're disappointed we won't tell you what you want to hear.

Woodsy76 wrote: »

I didn’t say she was pressured, but without a recorded phone call as evidence if this was a telesale, who knows what has been said or not said to make the sale. Also I didn’t say she was senile but elderly people are often intimidated and confused easily without being mentally infirm.

I thought you said they went and knocked on her door?

societys_child

I thought you said they went and knocked on her door?

Confused? You will be . . . :huh:

[Deleted User]

So, the story so far is this:

Woodsy76 wrote: »

My elderly mother has recently made a PPI claim through a claim company without realising she could have done it herself.

Whose "fault" would that be?

Woodsy76 wrote: »

Has anyone got experience of refusing to pay

No one who regularly posts here would ever use a Claims Company. Why would we have experience then of refusing to pay?

Woodsy76 wrote: »

they visited my mother in person to get her signature on the form and didn’t explain the charges in any detail.

That sounds like a clear accusation of duress.

Woodsy76 wrote: »

I didn’t say she was pressured,

Didn't you? See above.

Woodsy76 wrote: »

who knows what has been said or not said to make the sale.

Certainly no one here will know unless you can tell them. If you can't, or you continue to contradict yourself,then you won't be able to construct a potential compelling case for the Legal Ombudsman or a court of law.

lilia_fellini

I think you may be confusing me with woodsy76? My (unrelated) story about car finance (not about PPI) was addressed to woodsy76, in order to merely highlight the fact that you cannot have your cake and eat it.
You either say your elderly parent is a vulnerable adult incapable of making financial decisions (in which case they probably should not be living on their own or have someone overlooking their financial transactions at the very least - so they do not get conned out of their money).
Or you say they are responsible adults - and, however frustating it may be - let them make their own mistakes. My partner and his brother do not lay the blame at the sales agent's door for making their mom take finance out. This was a stupid thing to do, but it was what decided to do in her sound mind. She is not particularly good with numbers, but it's not the car dealership's problem.

My personal opinion is, the company had done the job - they did reclaim PPI - with OP's moms agreement, and so they should be paid for their services. She did not imagine they would do it for free, did she? But she ended up better off financially (it does not sound like she would be reclaiming her PPI otherwise), so why would you have a problem giving them their cut?

I don't think what the PPI reclaim company has done is morally right, but it is legal (like a lot of other things in life) - so there is very little ground for complaint imho.

If we want to change that, it has to be done through a different channel - like we should start campaigning that door-to-door canvassing be made illegal, for example.

But you cannot rely on the PPI agent to be making a realistic assessment of a person's mental state and his/her capacity. Just not going to happen, unfortunately.

dunstonh

This is why individual threads are so much better to use than these generic threads with multiple conversations going on. You lose track or who is who on them.