First active / brunell cole

mph359

Hi
I have had contact from one these PPI solicitors/claims comapny called brunell cole re: my first active mortgage (taken out 2005). They said there could be "hidden" ppi in the interest on the mortgage.
I have conatcted RBS who say "there isn't" as they would. I didn't take out any separate PPI on the mortgage when I started with First active.

Could there be any "hidden" PPI in the interest?

-taff

No.
..........

societys_child

mph359 wrote: »

"hidden" ppi in the interest - these companys are ridiculous

I have conatcted RBS who say "there isn't" as they would. - yes they would, because there isn't

Could there be any "hidden" PPI in the interest?

As -taff says - no.

dunstonh

I have had contact from one these PPI solicitors/claims comapny called brunell cole re: my first active mortgage (taken out 2005). They said there could be "hidden" ppi in the interest on the mortgage.

PPI is not paid within the interest payments.

How these dodgy calls typically work is that they tell you something that is slightly plausible if you dont know the subject and then when they get you hooked on made up figures of compensation, they hit you with an upfront fee that needs to be paid. That is also known as advance fee fraud.

mph359

thanks for your help

Himalaya

Hi, can anyone please give contact number for this company namely
Brunell Cole Ltd
Raincliffe house, barker lane,
Chesterfield s40 1du
They sent me forms to fill for ppi claim, which I did but there's no response from them nor I find their contact number on website nor from 118 118. I am much concerned if they were genuine or not. Please provide their contact number if you have.
Many thanks

-taff

scam, stay away.

rogersmith1

Hi guys, I currently work for Brunell Cole and firstly I would like to point out that it isn't a scam and if you need to contacts us our number is 0845 206 8633. I work in the admin dept not sales so I'm unsure what they say however I can tell you that if you are unsure whether you have PPI or not then we can find out for you for free by sending what's called a Subject Access Request to your creditors they will then respond by providing us with any and all details of PPI conected to your accounts if there is no PPI we will then in form you and say sorry for wasting your time and you will NOT be charged a penny! If there is PPI and you want to claim against it and the claim is successful you will then be charged 36% of what you get back (20% of that is VAT) plus a £12 admin fee and you will not be expected to pay that until you receive your cheque and it has cleared.

I would also like to point out that you do need to be careful as there are people out there looking to con you out of your money however there are safe ways to go about these sort of claims. If you choose to go with a claims management company such as brunell cole you should ensure that they will not charge anything until you have received the money you are owed, you should ensure that they will not charge you more than you receive, you should ensure its no win no fee and above all read the terms and conditions carefully before signing them!!

I hope this information was helpful

RuthnJasper

rogersmith1 wrote: »

Hi guys, I currently work for Brunell Cole and firstly I would like to point out that it isn't a scam and if you need to contacts us our number is 0845 206 8633. I work in the admin dept not sales so I'm unsure what they say however I can tell you that if you are unsure whether you have PPI or not then we can find out for you for free by sending what's called a Subject Access Request to your creditors they will then respond by providing us with any and all details of PPI conected to your accounts if there is no PPI we will then in form you and say sorry for wasting your time and you will NOT be charged a penny! If there is PPI and you want to claim against it and the claim is successful you will then be charged 36% of what you get back (20% of that is VAT) plus a £12 admin fee and you will not be expected to pay that until you receive your cheque and it has cleared

What a "bargain".

Alternatively, you could use the guidance notes and sample letters available free of charge on this site - http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance
along with the excellent support threads and case studies on the MSE forum, again for free - http://forums.moneysavingexpert.com/forumdisplay.php?f=169

All for the tip-top "admin fee" of the cost of a few stamps and some paper - and then you will be charged a healthy 0% commission for your hard work and, other debts notwithstanding, take home a healthy 100% of the reclaimed PPI. A snip at half the price!

rogersmith1

Well yes you can go about it yourself however my message was aimed at people who wanted a CMC to do it for them. And I just wanted them to be aware of what happens when you go with CMC and what they should expect.

I agree that it is better to do it yourself as you keep all the money however not everyone feels as though they have that option as depending on the credior it can be a long and confusing process. Some creditors may call you to asking confusing questions and sent complicated questionnaires that don't always make sense and if someone works full time they may feel going with a CMC is the best option. Having said that there are creitors that make it quick and easy which makes it better for people who want to do it them selves.

There's is another way of going about it which is getting intouch with the Financial Ombudsman Serivce who will do all the hard work for you completely free of charge however there isn't a time frame for them to look into it for you. They say that they aim to get you a final response within 12 months but it can sometimes go over that.

magpiecottage

rogersmith1 wrote: »

Well yes you can go about it yourself however my message was aimed at people who wanted a CMC to do it for them.

It seems unlikely that a person with their wits sufficiently about them to look here first would do that.

And I just wanted them to be aware of what happens when you go with CMC and what they should expect.

I think we know.

not everyone feels as though they have that option as depending on the credior it can be a long and confusing process. Some creditors may call you to asking confusing questions and sent complicated questionnaires that don't always make sense

All you have to do is fill in this questionnaire, print it off, keep a copy for yourself and send one to whoever you are complaining against.

Get proof of posting (free from the post office) and keep that too.

Allow them nine weeks (the statutory eight weeks they are permitted to investigate plus a further week for postage). If you have not heard by then, you need to print off and complete this form and send it to the Financial Ombudsman Service (the address is on the form).

That is all a CMC will do.

There's is another way of going about it which is getting intouch with the Financial Ombudsman Serivce who will do all the hard work for you completely free of charge

That is not true. What they will do is write to the firm with your details, say you have a complaint and remind them that they have eight weeks to sort it out.

In any case, filling in one standard questionnaire, designed by FOS to be consumer friendly, is not really hard work. After all, a CMC must ask you the same questions and then pass the form to you to check it is correct.

however there isn't a time frame for them to look into it for you. They say that they aim to get you a final response within 12 months but it can sometimes go over that.

There is a backlog at FOS but no CMC can jump the queue. You simply wait in it like everybody else.

The problem with that is that the pro