PPI - Future Mortgages 2004-2007 - Their word v mine?

societys_child

addedvaluebob wrote: »

Apart from the fact that they are not a registered CMC

Maybe not, but obviously touting for business of some kind.

From his website:We offer non-judgemental support at a modest cost.

Wouldn't want him acting on my behalf if he has to regurgitate 3 year old threads just to spam the forum. Why are all spammers a bit thick?

Marty_Hopkirk

Perhaps this is @addedvaluebob company, you decide.

Marty...

magpiecottage

societys_child wrote: »

Maybe not, but obviously touting for business of some kind.

From his website:We offer non-judgemental support at a modest cost.

Wouldn't want him acting on my behalf if he has to regurgitate 3 year old threads just to spam the forum. Why are all spammers a bit thick?

Looking at his website, he is in breach of the Compensation Act 2006, the Consumer Credit Act 2006 and, probably, the Companies Act 2006.

Nice of him to alert us to his existence. I have reported him to MSE for spamming but also to the Claims Regulator and the FCA.

magpiecottage

Marty_Hopkirk wrote: »

Perhaps this is @addedvaluebob company, you decide.

Marty...

I think not.

Even addedvaluebob recognises that CMCs must be regulated - his error is to think that regulated CMCs are good by default whereas regulated financial institutions are bad by default.

addedvaluebob

Marty_Hopkirk wrote: »

Perhaps this is @addedvaluebob company, you decide.

Marty...

Perhaps you know absolutely nothing

addedvaluebob

magpiecottage wrote: »

I think not.

Even addedvaluebob recognises that CMCs must be regulated - his error is to think that regulated CMCs are good by default whereas regulated financial institutions are bad by default.

Not true, my point has always been that not all of the 900 + claims companies are crooks/liars/spammers which is the view put by many posts of this forum, equally I do not believe that all regulated financial institutions are good and there are some crooks/liars/spammers in their community as well.

In the last FOS annual report it was stated that they receive as many financial complaints raised by financial advisers as they do CMC's. Are we to believe that all of these complaints are raised on a pro bono basis or do they charge on an hourly basis?

magpiecottage

addedvaluebob wrote: »

In the last FOS annual report it was stated that they receive as many financial complaints raised by financial advisers as they do CMC's. Are we to believe that all of these complaints are raised on a pro bono basis or do they charge on an hourly basis?

The legislation is quite clear on this. A financial adviser providing complaint services by way of business must be regulated by the FCA.

There are two exceptions - acting on a voluntary basis (i.e. pro bono) or in defence of a complaint against themselves.

I have reported IFAs to the Claims Regulator for acting as CMCs without the necessary authorisation.

The fact remains, too, that the FCA, FOS and the Claims Regulator ALL say that CMCs make no difference to the outcome of a complaint compared to doing it yourself.

However, addedvaluebob and I seem to be in agreement that brianjsmith is carrying out Claims Management Activities without lawful authorisation from the Claims Regulator to do so.

He is also carrying out debt counselling activities without permission from the Financial Conduct Authority.

In my view, this makes him both a criminal and, since he has chosen to publicise it where somebody realising this was likely to spot it and report it, an idiot.

Please note that if you use brianjsmith or greenshoots financial, you will have no protection from either the Legal Ombudsman or Financial Ombudsman Service.

Marty_Hopkirk

addedvaluebob wrote: »

Perhaps you know absolutely nothing

Not perhaps. But, one thing I do know is you know absolutely nothing about my case which you keep raising in spurious threads.

addedvaluebob wrote: »

Not true, my point has always been that not all of the 900 + claims companies are crooks/liars/spammers which is the view put by many posts of this forum,

I have not seen one that does not fit your perfect description of a CMC, perhaps you could do this community a favour and point us to a CMC that charges for the work they actually carry out, preferably on a hourly rate.

Marty...

addedvaluebob

I raise your case to highlight the apparent hypocrisy of posters who constantly decry CMC's yet are more than happy to 'chance their arm' and see what happens'

for example from your previous posting

'helpfully they included a photocopy of my signature on the original agreement documentation' So I assume you had the opportunity to read this before you signed

You took out a series of loans and credit agreements over an extended period of time and yet at none of these meetings, including a credit card appliaction that you clearly state has your signature on the paperwork did you read the paperwork and were apparently mis-sold in all 5+ meetings over an 18 year period.

There are 900+ CMC's working in the financial services industry perhaps you should look a little harder before claiming that every CMC (which includes solicitors and financial advisers is a lying crook

-taff

All CMCs are crooks. They take money for a free process.

If I told you that you can only use me to do something, and told you in a whisper when you were listening to music on your headphones you can do it for free, I would be a crook too.