bank smart

dialysis

I am using a CMC for my PPI and bank charges, I know rather stupid lol anyway its bank smart and I have had a claim upheld for Llyods and before they can pay out they say they need my credit file does anyone have any experience of this and know hy they want it thanks :beer:

-taff

they want to check the rest of your credit to see who they can complain to. Don't let them.

Lloyds will pay you and then you pay the firm, not the firm who then pays you.

They are lying.

dunstonh

Are you saying Lloyds are saying they want your credit file? That is not a normal request. Or is it bank smart? if so, dont do it. Also, the bank tells you if you ahve been successful. If the claims company is telling you then be on guard. That is a common scam.

dialysis

dunstonh wrote: »

Are you saying Lloyds are saying they want your credit file? That is not a normal request. Or is it bank smart? if so, dont do it. Also, the bank tells you if you ahve been successful. If the claims company is telling you then be on guard. That is a common scam.

No its bank smart who want it they are saying they cant settle without it???? I wont be sending it to them wish i had never even heard of them so annoyed with myself Thanks for your help:T

dialysis

-taff wrote: »

they want to check the rest of your credit to see who they can complain to. Don't let them.

Lloyds will pay you and then you pay the firm, not the firm who then pays you.

They are lying.

Yeah did wonder not sending it though :T

dunstonh

No its bank smart who want it they are saying they cant settle without it?

The money isnt paid to them though. The bank pays the redress direct to the individual (you).

They are probably asking this to put in complaints to others. Some claims companies put in fraudulent/try-it-on complaints to everyone they can in the hope some stick.

I suggest you contact the bank and ask them why they are paying the money to the CMC and why the CMC would hold it up. I suspect the bank will either tell you that they have not considered the complaint yet, not received it or that the CMC is telling complete BS.

dialysis

dunstonh wrote: »

The money isnt paid to them though. The bank pays the redress direct to the individual (you).

They are probably asking this to put in complaints to others. Some claims companies put in fraudulent/try-it-on complaints to everyone they can in the hope some stick.

I suggest you contact the bank and ask them why they are paying the money to the CMC and why the CMC would hold it up. I suspect the bank will either tell you that they have not considered the complaint yet, not received it or that the CMC is telling complete BS.

Hi I have just received an email from bank smart and there reason for wanting my credit file is 'We require a copy of your or your husband's credit file as this contains precise details of the agreement(s) you have. Often claims can be considerably delayed or even be lost when no evidence of the loan/services are provided and viewing a copy of your credit file can help greatly in this respect as well us to ensure that the maximum settlements and refunds are paid to you.' any thoughts thanks:T

dunstonh

Sounds like they are attempting to get more information from you that they dont need. Also notice how the story has changed? Before it was to release funds. Now it is stop a complaint being delayed.

The bank doesnt need details of the original agreement unless it no longer holds any records. A credit file only holds the last 6 years. Banks only destroy records older than 6 years. So, it is not required for that purpose.

Phone the bank and ask them.

-taff

They are still lying. How many times do you want to hear it?

[Deleted User]

dialysis wrote: »

I am using a CMC for my PPI and bank charges, I know rather stupid lol

You said it yourself.
Why not just cancel your contract with them altogether?