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

Marty_Hopkirk

addedvaluebob wrote: »

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

Oh deary me.

The teddies have well and truly come out the cot. As I said before you know nothing about my case and you can't even quote me back correctly the few facts I have put in the public domain. I won't rise to your goading.

I have never said CMC's are crooks, however they do have dubious business ethics and practices and operate in a grey legal hinterland and have questionable T&Cs and yes they are a bigger scandal than the original mis-selling of PPI, so if the hat fits. There are folks out there because of these parasites having nearly half of what is rightfully theirs, taken by these modern day highway men (not my terminolgy, but Adrian Coles Director General of the BSA).

The whole PPI complaint process has been designed for the consumer to do it free for themselves: Which, FOS and MSE all say the same, DiY! Are they all wrong?

You have been asked numerous times to highlight a CMC that charges for the work they actually do! As well has having an ethical and reasonable approach yo business. Yet you don't seem to be able to do this, on this basis one assumes there are none.

Marty...

addedvaluebob

-taff wrote: »

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.

That must also apply to gardeners, painters, decorators etc etc etc. It has to be included as a clear statement in the T & Cs that people can complain for free and it is all over the web / media.

If people sign up then they must do so in the knowledge that someone somewhere is going to get paid.

-taff

Imagine me waving a hand saying 'whatever'
Just because you believe something, doesn't make it a viable argument.

magpiecottage

addedvaluebob wrote: »

It has to be included as a clear statement in the T & Cs that people can complain for free

In my experience, having received many unsolicited calls to a TPS registered number, they make absolutely no mention of it.

The reason is, presumably, because if people realised it was free - and no extra effort on their part, they would do it themselves and the business model would fail.

Your reference to gardeners/painters is irrelevant. Those are tasks which are time consuming and, in the case of gardening in particular, hard work.

The reality is that you must either obtain all the information for the CMC to complete a form that you could complete yourself as you obtain it (thus making a time saving of zero) or, as FOS has today reported, they put in a complaint which simply has generic statements which have nothing specific to the consumer's circumstances - in breach of the rules of the Claims Regulator and possibly the Fraud Act.

addedvaluebob

In my experience, having received many unsolicited calls to a TPS registered number, they make absolutely no mention of it

. That is because it has to be included in the terms and conditions

The reason is, presumably, because if people realised it was free - and no extra effort on their part, they would do it themselves and the business model would fail.

There is plenty of information out in the public domain including FOS and everything else to tell people there is a free service.

Your reference to gardeners/painters is irrelevant. Those are tasks which are time consuming and, in the case of gardening in particular, hard work.

The only thing anybody sells is time. Gardening hard work:rotfl:

Marty_Hopkirk

addedvaluebob wrote: »

There is plenty of information out in the public domain including FOS and everything else to tell people there is a free service

Apart from the lying and deceitful CMC's who always fail to mention this little nugget and exclude it from their T&Cs.

Marty...

addedvaluebob

Marty_Hopkirk wrote: »

Apart from the lying and deceitful CMC's who always fail to mention this little nugget and exclude it from their T&Cs.

Marty...

If you have any proof of this assertion then report it to the MoJ, if you don't have any proof then don't bother posting on here

magpiecottage

addedvaluebob wrote: »

. That is because it has to be included in the terms and conditions.

So you think it is okay for your beloved CMCs to simply hide behind the terms and conditions but not a bank.

Hypocrisy or what?

There is plenty of information out in the public domain including FOS and everything else to tell people there is a free service.

Client specific rule ten of the Conduct of Authorised Persons Rules 2014 says, "Before seeking to enter into a contract with a client a business must make reasonable enquiriesas to whether the client has alternative mechanisms for pursuing a claim and must advise theclient unambiguously of ombudsman schemes or other official means of redress."

Why do you think they should ignore that?

Gardening hard work:rotfl:

They seem think it is on Gardeners' Question Time.

Marty_Hopkirk

addedvaluebob wrote: »

If you have any proof of this assertion then report it to the MoJ, if you don't have any proof then don't bother posting on here

I do.

https://www.gladstonebrookes.co.uk/terms-conditions/

I think this is called QED.

Marty...

Marty_Hopkirk

@addedvaluebob

Please point me in these T&Cs from a high profile CMC, where one can do it free yourself.

http://www.ppiclaimback.co.uk/pdfs/termsandconditions.pdf

Marty...