Re-claim company will not return my deposit

magpiecottage

ppidisgrace wrote: »

intent to commit an offence from which you could not possibly gain from LOL

Whether you think it is funny or not, that is the law. It is also not a victimless crime. I have a number of clients who have had to pay to deal with complaints about non-existent policies from CMCs who have defied their regulator and failed to even bother to complete the FOS questionnaire.

I think there are far greater fish to fry like sorting out the banks and the ethos and mentality of the financial institutions and their vermin who feed and live off the back of it such as ifa's
these amount to a tiny number of claims

So you think Mark123 should be driven out of his business and his home because of the supposed "wider good".

For somebody who, by his own admission, ignores the rules of his regulator to refer to the banks as vermin is rather like the malaria parasite claiming the mosquito is primarily responsible for the disease.

what do you think about lloyds being allowed to take 16 weeks to settle claims?

Lloyds TSB are supposed to respond within eight weeks. However I note that they reckon.

Apparently up to half of complaints are fraudulent because there was no PPI in place - so presumably without them, complaints would only take half as long to deal with.

Remind me - what is half of sixteen weeks?

ppidisgrace

magpiecottage wrote: »

Whether you think it is funny or not, that is the law. It is also not a victimless crime. I have a number of clients who have had to pay to deal with complaints about non-existent policies from CMCs who have defied their regulator and failed to even bother to complete the FOS questionnaire.



So you think Mark123 should be driven out of his business and his home because of the supposed "wider good".

For somebody who, by his own admission, ignores the rules of his regulator to refer to the banks as vermin is rather like the malaria parasite claiming the mosquito is primarily responsible for the disease.



Lloyds TSB are supposed to respond within eight weeks. However I note that they reckon.

Apparently up to half of complaints are fraudulent because there was no PPI in place - so presumably without them, complaints would only take half as long to deal with.

Remind me - what is half of sixteen weeks?

what i find funny is you crying " fraud" for something they couldnt gain from, your not claiming its the intent
when your intent is to dissuade people from claiming, people who could have ppi although they might not

up to half of claims being "fraud" ie no ppi, what here come the porkys, where are you claiming you read that which story put out by a bank and you just believed it, if you had an ounce of honesty why not report the fscs and fos figures , its a tiny %

careful of this eprson guys, he isnt being straight with you, and id go as far to say his intent is fraud...well by his reasoning

avoid

ppidisgrace

noone is interested in any of your poor clients ( financial firms) who may have had a client not sure if they had ppi or not
millions of people have been ripped off millions of pounds by your industry you represent
millions of policies were sold
millions of times dded without the client knowledge
millions of times added despite the client saying no thanls

and your trying to suggest your fat clients are the victims and people are committing fraud

it just goes to show how far you guys and your industry are out of touch

playing the victims...couldnt make it up

jdwmfc

ppidisgrace wrote: »

if you had an ounce of honesty why not report the fscs and fos figures , its a tiny %

Feeding the troll but I can't help it.

Actually read that the FOS didn't uphold about 31% of claims in the last three months. Thats about 10,000 complaints. I would say that is a pretty high percentage.

EDIT
Its even higher % for credit cards and forget winning MPPI because that was rarely missold!!!

magpiecottage

ppidisgrace wrote: »

noone is interested in any of your poor clients

So now you assume yourself to be a spokesperson for the whole world do you.

( financial firms)

Clearly you have no idea how to distinguish between different types of firms involved in financial matters

who may have had a client not sure if they had ppi or not

Only because you fraudulently tell them they had it when they did not.

millions of people have been ripped off millions of pounds by your industry you represent

I work for the independent financial advisory industry.

millions of policies were sold

Not by independent financial or mortgage advisers

millions of times added without the client knowledge

Independent financial advisers, and almost all mortgage advisers, have to get their client to sign a direct debit mandate or the policy does not go into force.

millions of times added despite the client saying no thanls

Rather difficult without the signature on the direct debit.

and your trying to suggest your fat clients

I don't think any of my clients are fat.

are the victims and people are committing fraud

On the whole, it is people like you that are committing fraud by making untrue statements that you know might be untrue.

it just goes to show how far you guys and your industry are out of touch

Au contrare - despite your claimed "expertise", you clearly have no understanding not only of my industry but of the rules governing your own.

magpiecottage

ppidisgrace wrote: »

what i find funny is you crying " fraud" for something they couldnt gain from, your not claiming its the intent

It is not me that says it is the intent - it is the government. It says
"Subsection (1)(b) requires that the person must make the representation with the intention of making a gain or causing loss or risk of loss to another. The gain or loss does not actually have to take place."

This can be found at http://www.legislation.gov.uk/ukpga/2006/35/notes/division/5/2

when your intent is to dissuade people from claiming, people who could have ppi although they might not

My intent is to protect the innocent from fraudulent complaints.

Remember when my clients receive one, I get paid to sort it out. If you did your job properly and investigated first, then I would not.

In addition, you would have us believe that if a complaint is made where no PPI exists, nobody loses. There is still a cost and that cost has to be paid by somebody - so the bank passes it on to its innocent customers - which is all of the rest of us. We get charged more (or paid less interest on our savings) because of it.

Those who are familiar with my posts are fully aware that I will not blindly support those who think they should have some "compo" but do provide guidance for those who have a genuine case - including providing specific reasons why a complaint might be upheld.

But my knowledge is based on study and on fact. As I have shown above, it can be evidenced.

ppidisgrace can of course insult me - but he has no evidence. He can claim that the MOJ allows him to say he can achieve a better outcome for consumers than they can achieve themselves. He has no evidence to contradict the documents which I have repeatedly referred, and provided links, to.

It is very tiresome - and I know Moneyineptitude gets frustrated that I "feed the troll" - but it serves a purpose. It demonstrates that engaging the services of a CMC by no means guarantees expertise - or integrity. It could actually result in you losing your trusted IFA who will not take kindly to you attempting to defraud him.

dorset123

I wrote to the Nationwide on the 23 july 2012 ref card protection, they have just replyed on the 7 aug 2012 to inform me I was 13 days to late to claim a refund as I had to do it within 120 days, so it seems if you try to sort it out your self and it takes to long as no one will reply to letters or telephone calls after 120 days it is me in the wrong and not them, I tried to telephone Nationwide today only to be told Cathy Kitt who is dealing with my complaint is on annual holiday, now what can I do.

dorset123

Hi Magpie
I wrote to the Nationwide on the 23 July 2012 ref card protection, they have just replyed on the 07 August 2012, to inform me I was 13 days to late to claim a refund as I had to do it within 120 days, so it seems if you try to sort it out yourself and it takes to long as no one will reply to letters or telephone calls, after 120 days it is me that is now in thw wrong and not the Nationwide, I tried to telephone Nationwide today only to be told Cathy Kitt who is the onle pearson who can deal with my complaint is now on annual holiday, now what can I do.
Thank you very much for your time and expertise.
Best Regards

Nick Hooper (dorset123)

magpiecottage wrote: »

I suggest you send the following complaint to

[EMAIL="enquiries@realtimeclaims.co.uk"]enquiries@realtimeclaims.co.uk[/EMAIL] and copy to
[EMAIL="consumer@claimsregulation.gov.uk"]consumer@claimsregulation.gov.uk[/EMAIL] and to [EMAIL="tradingstandards@newcastle.gov.uk"]tradingstandards@newcastle.gov.uk[/EMAIL]

For the Personal Attention of Stuart Phillipson Bell - Director - Real Time Claims Limited

Reference [their reference number]

FORMAL COMPLAINT OF MISSELLING AND FRAUD AGAINST REAL TIME CLAIMS LIMITED

In or around January 2012 I received an unsolicited telephone call from your company.

Your employee said your company held personal data on a loan I had taken out in or around 2007.

It has now been explained to me by a professional compliance consultant that your employee could not possibly have held that information. He therefore lied to me in order to secure a gain for your company and thus committed fraud against me.

Your employee committed further fraud by claiming that Payment Protection Insurance was included in "the small print" of my loan. He could not possibly have known that because he did not have details of my loan at all.

My bank has now confirmed that Real Times Claims Limited lied to me and I did not have payment protection on my loan at all.

I further complain that your company collected £250 from my bank account without first providing me with full written details of the contract I was entering into - in breach of the Conduct of Authorised Persons Rules 2007.

Further, he assured me that the payment would be refunded in full if the claim failed but, despite it being quite clear that no Payment Protection Assurance ever existed, you have persistently failed to refund my money.

I put it to you that Real Time Claims Limited has deliberately defrauded me, that it is not fit and proper to carry out claims management activities and that you are not fit and proper to act as a director of any business, let alone a claims management business.

I demand an immediate refund of my £250 and of all interest charges accrued on my credit card as a result of your fraud.

A copy of this e-mail has been forwarded to your regulator, the Ministry of Justice, and your Trading Standards Office.

[your name]

tuffpeach70

This company has just contacted me this week via the phone are they still a scam company? 5/02/2015


Saying they can claim back monies on my behalf and saying they hold some form of records for bank charges I can claim back, they are sending me a application form to sign as we speak I have just been reading about this company so now am not so sure if its a good idea they are also asking me for a copy of details on my passport and driving licence which I am finding a little odd too ???


any help and advice is greatly received


thankyou

Alpine_Star

tuffpeach70 wrote: »

This company has just contacted me this week via the phone are they still a scam company? 5/02/2015


Saying they can claim back monies on my behalf and saying they hold some form of records for bank charges I can claim back, they are sending me a application form to sign as we speak I have just been reading about this company so now am not so sure if its a good idea they are also asking me for a copy of details on my passport and driving licence which I am finding a little odd too ???


any help and advice is greatly received


thankyou

I wouldn't touch them with a barge pole. They've got form and have already been investigated by the Ministry of Justice and have a whole host of conditions place on their authorisation.

See here https://www.claimsregulation.gov.uk/details.aspx/14758/Real_Time_Claims_Limited/?search=simple&business=real+time+claims&authID=&sector=-1&county=-1&status=-1