Valid letter of Authority - PPI

alex_gg_2

A well known credit card company has paid me out on a PPI claim £3300. I originally signed up with the claims guys a year earlier and signed a letter of authority. The claims guys contacted my credit card company initially but nothing came of light. Then the credit card company contacted me directly about 9 months later and I pursued it myself and was paid out 3 months later). Mean while the credit card company contacted the claims guys by accident (breaching the Data Protection Act and have fully logged it) claiming the letter of authority I signed was out of date and for them to issue me new one to sign because it was over 6 months old. The claim was upheld and paid to me on the 20 March and a week later the credit card company received my new letter of authority (I signed so many letters of authority for the claims guys for other credit cards and loans at the time I had signed another new one for this claim not realising) which I had signed and dated on the 22 March which was 2 days later.
The credit company say the letter of authority for the claims guys was out of date and not a legally binding agreement and the claims guys are demanding there 30% saying the letter of authority for a year earlier is valid.(the credit card's policy is they have to have a signed and dated letter of authority within 6 months of the claim being upheld - but they only had one from 1 year earlier and 2 days later)
Does anyone know where I stand on this.

dunstonh

The credit company say the letter of authority for the claims guys was out of date and not a legally binding agreement and the claims guys are demanding there 30% saying the letter of authority for a year earlier is valid.(the credit card's policy is they have to have a signed and dated letter of authority within 6 months of the claim being upheld - but they only had one from 1 year earlier and 2 days later)
Does anyone know where I stand on this.

The contract you signed with the ambulance chaser does not expire. So, it looks like you are stuffed.

roonaldo

The signed authority form you provided The Claims Guys is seperate to the contract you have agreed with them. This is a form they supply to firms to say they are acting on you and you are giving the firm authority to correspond with them.

If the authority runs out (as most firms will only accept ones dated in the last 6 or 12 months) this doesnt mean your contract with them has expired.


When you went alone to try and get the PPI back did you ever cancel your contract with the Claims Guys? Mistake 1.

You say they have breached the data protection act, but then go on to say you accidently gave them written authority anyway. Mistake 2.

BC_KT

There was no breach of DPA, they submitted paperwork on your behalf and the company replied to them saying their paperwork was invalid. Paperwork that you did not submit yourself is not personal info protected under DPA.