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

addedvaluebob

Marty_Hopkirk wrote: »

I do.

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

I think this is called QED.

Marty...

From the more options section

Your Options
Before finalising this agreement, it is important that we advise you of your options

Make the complaint yourself. All Banks and the Financial Ombudsman Service offer a ‘free service’ for your complaint

I think you should try reading

addedvaluebob

Marty_Hopkirk wrote: »

@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...

From the FAQ's
Can I make the claim myself Yes, of course you can. You can contact your bank/lender. If you are subsequently unhappy with the outcome, you can ask the Financial Ombudsman Service to look into this for you. Details can be found on the Financial Ombudsman website.

From the T & Cs
You may have alternative mechanisms for pursuing your claim or obtaining redress, including FOS and the Financial Services Compensation Scheme

I am assuming people can work out if they 'do it yourself' there will not be a fee

addedvaluebob

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?

How is this hypocrisy? My point was that you don't start any business transaction such as a phone call with a complete run down of T & C's and fees. Your IFA's do not explain their fee structure until they have written to the client or had a face to face meeting

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 the client unambiguously of ombudsman schemes or other official means of redress."

Why do you think they should ignore that?

Who says they are, do you have any evidence that companies are doing this, if so you should report them to the MoJ and name the businesses on this website so people can be aware of the companies

Marty_Hopkirk

(Text removed by MSE Forum Team)

Alternative methods and doing it for free are different for yourself are very different. You explictly stated CMC's had it in their T&Cs there was a clause(s) saying one could do it yourself free of charge, you have yet to prove this.

Marty...

Marty_Hopkirk

addedvaluebob wrote: »

.

From the T & Cs
You may have alternative mechanisms for pursuing your claim or obtaining redress, including FOS and the Financial Services Compensation Scheme

I am assuming people can work out if they 'do it yourself' there will not be a fee

But, crucially not in the T&Cs one signs for.

Marty...

addedvaluebob

clutching at straws and descending to insults.
This is not crucially to be included in T & Cs

Marty_Hopkirk

addedvaluebob wrote: »

From the FAQ's
Can I make the claim myself Yes, of course you can. You can contact your bank/lender. If you are subsequently unhappy with the outcome, you can ask the Financial Ombudsman Service to look into this for you. Details can be found on the Financial Ombudsman website.

As you quote from the FAQ, not the T&Cs, big difference, your argument is unravelling.

Marty...

Nasqueron

addedvaluebob wrote: »

From the more options section

Your Options
Before finalising this agreement, it is important that we advise you of your options

Make the complaint yourself. All Banks and the Financial Ombudsman Service offer a ‘free service’ for your complaint

I think you should try reading

Full quote:

• Make the complaint yourself. All Banks and the Financial Ombudsman Service offer a ‘free service’ for your complaint. But with over £500 million recovered by Gladstone Brookes so far, your complaint would be in safe hands with us.

Clear implication that it's better to use the firm, not a legitimate "you can do it yourself for free with equal chance of success"


Should be up front on the front page for it to be an honest CMC not hidden away in Ts & Cs that they know people won't read.


Nothing obvious on the TV advert either

addedvaluebob

That will be the honest CMC like the 'honest bank' 'honest financial adviser' and 'honest building society' who are ultimately responsible for the 'biggest mis-selling scandal' (FOS) in the first place. At which point of people signing a contract do they think 'gosh I hope this claims company is not going to charge me'.

Nasqueron

addedvaluebob wrote: »

That will be the honest CMC like the 'honest bank' 'honest financial adviser' and 'honest building society' who are ultimately responsible for the 'biggest mis-selling scandal' (FOS) in the first place. At which point of people signing a contract do they think 'gosh I hope this claims company is not going to charge me'.

No CMC is honest as all charge a huge fee for jotting down what the client tells them, adding some generic reasons on top (even when they don't apply) and then posting the letter - nothing they do justifies anything more than a few hours minimum wage admin work, certainly not 25-40% of any refund.

CMCs are as bad at miss-selling as those fake DVLA/Passport sites, charging a fee for something you can do yourself direct at no cost.

p.s. Still waiting for you to name the CMCs that you recommend that charge an extremely low fee, send security vetted, qualified staff around to your house to go over your paperwork (rather than just call centre staff taking your details over the phone), construct a robust and honest complaint with no contradictions and no claims they can't back up AND tell you up front you can do it for free yourself with equal chance of success