Company called Consumer Credit Services?

magpiecottage

When did this happen?

Did you receive WRITTEN terms from them BEFORE signing up?

Did you actually physically sign something or was it done on the telephone?

dunstonh

archie74 wrote: »

last Friday CCS Review contacted me and got me to sign up for a claim on my miss sold mortgage before i seen this forum. i parted with £3,306 on a credit card. i have since called them on Monday to cancel as part of the 14 days cooling of period and they have said they will send me a refund by post as they did not have a means to refund directly to my credit card. is there anything else which i can do to ensure, prior to the end of the cooling of period i receive a full refund. i have already informed my credit card company that i may have been a victim and they have for the time being blocked the credit cards so as no further money can be taken. how do i go about reclaiming if indeed as i expect the refund does not arrive by post.

You need to be really careful in future. There are mugs lists that are sold to others and you may well find yourself on that list now. So, your cold call scamming may well increase. Do not act on cold calls. Most are either dodgy or scams.

Ex-Worker

it's an odd one. on one level a seemingly professional company considering the nature of its business, they have plenty of training for new recruits including week long talks on compliance with FCA rules etc and the employees/managers are pleasant. It is heavily target driven, and they let people go at the drop of a hat, there is zero job security but if you perform well the money is good and they pay up. Then, on the other side of things - they don't really tell you about the process beyond the sales stage which is very focused, with an emphasis on getting an electronic signature and an upfront fee from the client within the duration of the initial cold-call. Nothing is explained in regards to the solicitors/legal process beyond this point, perhaps for plausible deniability? Definitely not the dodgiest tele-sales company i've worked for but it was a concern to me throughout my employment that perhaps we weren't really selling anything. CCS is only as criminal as the corrupt financial sector allows, slickly utilising loopholes to make quick money to keep funding it's day-to-day.

magpiecottage

Ex-Worker wrote: »

they don't really tell you about the process beyond the sales stage which is very focused, with an emphasis on getting an electronic signature and an upfront fee from the client within the duration of the initial cold-call.

Which, of course is banned by the claims regulator.

CCS is only as criminal as the corrupt financial sector allows, slickly utilising loopholes to make quick money to keep funding it's day-to-day.

There are indeed some financial services firms that have used loopholes to sell some things that should not have been sold.

There are also consumers that have used loopholes to gain redress to which they are not entitled (for example the fact that the firm has to pay the FOS fee whether it wins or loses).

But what you describe is an explicit breach of the claims regulator's rules and fraud - which is a criminal offence that can carry a custodial sentence.

Teddydee1980

I think THINK I may just have manouvered quickly enough to dodge this bullet...

Just got the sucker call, dragged in, sounded TGTBT....still idiotically, provided card details after buying the NWNF claims...

Get off the phone, find this thread and start panicking....In the meantime, fortunately, get another call, stating my card payment has declined, insufficient funds for their £1600 upfront payment....so, I zip onto barclaycard, and see £1400 available, so, I reduce my available credit, effective immediately, to ensure that any smaller subsequent charges aren't approved either.

I have e-signed with them (so ashamed to be such a moron) but have just called them back to say I'm 20 minutes into a 14 day cooling off period and wish to cancel. Currently awaiting a subsequent call back from the sales guy I originally spoke to. He just called back, I explained that MSE has pointed out the potential risks of using a company like his and as a consumer its my right to cancel well within the 14 day period, he accepted that and hurredly ended the call.

What else do I need to do to double triple confirm things are cancelled?

Many thanks from a newbie to both the forum and common sense.

lostockboy

archie74 wrote: »

last Friday CCS Review contacted me and got me to sign up for a claim on my miss sold mortgage before i seen this forum. i parted with £3,306 on a credit card. i have since called them on Monday to cancel as part of the 14 days cooling of period and they have said they will send me a refund by post as they did not have a means to refund directly to my credit card. is there anything else which i can do to ensure, prior to the end of the cooling of period i receive a full refund. i have already informed my credit card company that i may have been a victim and they have for the time being blocked the credit cards so as no further money can be taken. how do i go about reclaiming if indeed as i expect the refund does not arrive by post.

My story is similar to yours and you'll be glad to know I eventually got my money back, twice in fact. After a few weeks of excuses I eventually got a cheque but in the meantime after getting fed up of the false promises I had also contacted my credit card company. I sent them all the details that I had including an e-mail promising me a refund after 14 working days to them. Credit card companies use what is called charge back where your money is returned to your credit card and the vendors (CCS) have 45 days to try and claim the money back to them if they have a ligitimate claim to it. Anyway, after receiving the cheque from CCS Review I also got the same amount returned to my credit card by way of the charge back so I now have their money on my credit card. They contacted me shortly after realising what had happened and asked me to return the money by cheque even though I suggested they use the charge back system which they said they couldn't . As you can imagine I hurriedly did as they asked, not. I contacted my credit card company and asked if CCS were able to use the charge back to return their money and they told me that they could, so I'm currently waiting for them to contact me again asking where their money is. What do I do if it's after the 45 days though?

archie74

lostockboy wrote: »

My story is similar to yours and you'll be glad to know I eventually got my money back, twice in fact. After a few weeks of excuses I eventually got a cheque but in the meantime after getting fed up of the false promises I had also contacted my credit card company. I sent them all the details that I had including an e-mail promising me a refund after 14 working days to them. Credit card companies use what is called charge back where your money is returned to your credit card and the vendors (CCS) have 45 days to try and claim the money back to them if they have a ligitimate claim to it. Anyway, after receiving the cheque from CCS Review I also got the same amount returned to my credit card by way of the charge back so I now have their money on my credit card. They contacted me shortly after realising what had happened and asked me to return the money by cheque even though I suggested they use the charge back system which they said they couldn't . As you can imagine I hurriedly did as they asked, not. I contacted my credit card company and asked if CCS were able to use the charge back to return their money and they told me that they could, so I'm currently waiting for them to contact me again asking where their money is. What do I do if it's after the 45 days though?

So pleased you posted this as i have have just been in contact with my credit card company and they are in the process of trying to contact CCS Review with the money being returned into my account within the next 5 days and CCS having to submit a claim within 45 days. RESULT!!!!! however i have noticed this week whilst I have been trying to contact CCS Review for some reason or other the automated phone keeps saying all operators are busy without the ability to wait on the line. think i may have dodged a bullet this time are they still trading???

CarriN_2

Ex-Worker wrote: »

it's an odd one. on one level a seemingly professional company considering the nature of its business, they have plenty of training for new recruits including week long talks on compliance with FCA rules etc and the employees/managers are pleasant. It is heavily target driven, and they let people go at the drop of a hat, there is zero job security but if you perform well the money is good and they pay up. Then, on the other side of things - they don't really tell you about the process beyond the sales stage which is very focused, with an emphasis on getting an electronic signature and an upfront fee from the client within the duration of the initial cold-call. Nothing is explained in regards to the solicitors/legal process beyond this point, perhaps for plausible deniability? Definitely not the dodgiest tele-sales company i've worked for but it was a concern to me throughout my employment that perhaps we weren't really selling anything. CCS is only as criminal as the corrupt financial sector allows, slickly utilising loopholes to make quick money to keep funding it's day-to-day.

Ex Worker - When you worked there, did the company ever get the payments they promised for people, or not? Do they make their money from the advance fee or from the 15% charge?
They sounded plausible to me, and I parted with £1000 after an hour and a half phone call this morning as I know that my husband and his ex-wife were genuinely mis-sold a mortgage in the early 2000s, but after reading this forum I have contacted my credit card company, who will try to get the money back on my behalf.
If they genuinely do manage to get money back for people, then I don't mind paying a fee - everything has it's price if you don't have the time to do it yourself, but if they don't then I'll be cancelling asap...

dunstonh

They sounded plausible to me, and I parted with £1000 after an hour and a half phone call this morning

Are you crazy? You paid a £1000 to [STRIKE]a cold calling scammer[/STRIKE] to someone you didnt know because you thought what they said on the phone sounded plausible.

I know that my husband and his ex-wife were genuinely mis-sold a mortgage in the early 2000s

Mortgages were not regulated until October 2004. So, if its pre 2004 its a no go. Also most reasons given as mis-sale by these companies are false. Why do you think they were mis-sold?

Also, even if there is a valid reason and you are in the small minority that do succeed on mis-sale, the ex wife would get half the money paid out but would not have to pay any of the percentage to the claims company. That would solely come out of your pocket against the whole amount that you and and the ex wife got paid.

societys_child

carriN

I don't mind paying a fee - everything has it's price if you don't have the time to do it yourself

Even if you use a claims company, you still have to do it yourself. You can use the forms on here or you can fill in the forms they send you, which are almost identical. They "earn their fee" by putting a stamp on the envelope and posting it off.

Hope you get your £1k back.