cjp cobley johnson partners and consumer claims have conned me!

joeb99

I was wondering if anyone else has dealt with these people. I recieved a letter and a prepaid returns letter from these people. I examined the letter and there was no mention of any fees, after some time I stupidly decided to sign and return the letter but only because no fees were mentioned. A couple of months later i got a phone call from a women to talk about my claim she asked me to confirm a few details and said a would hear within the next 6 weeks regarding my claim, again no fees were ever mentioned.

Since then I have received a letter from my bank saying they have looked into my claim and have been given some money back. Then I was instantly hounded by consumer claims asking for there fee to be paid. To which I was shocked that it could have got that far withoutt the fees ever being mentioned!

What I singed was titled 'letter of authority'. The letter talks about terms of engagment which was never supplied. And the signature confirms ypu hhave read them, but I didnt know what they were and I assumed the letter was it

I have been told to request a signed letter of engagement, which I have never signed. Is a letter of authority supplied with terms of enagement equivalent to a signed letter of engagement?

I believe they deliberately left out the terms of engagment from the letter they sent me just to make me sign it without realising a fee would need to be paid. I also believe that the lady on the telephone never told me about the fees for the same reason.

Yes I know these companys do charge a fee for there services but I was completely unaware of what it was I had signed, this is a clever con by them to deceive people.

Please everyone be wary of these two companys, if anyone can help me with the difference between a letter of authority with terms of engagement ( which was not supplied) and a letter of engagement.

Sorry if this doesn't make sense feel free to ask me questions

[Deleted User]

They can only demand payment if the contract you signed and agreed to details the percentage of any redress you would pay them. Are you sure the contract you signed and returned didn't detail this? It seems incredible that they would offer their services for free (surely not?)
and then demand payment?

joeb99

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[Deleted User]

joeb99 wrote: »

http://postimg.org/image/tfv3b59qh/
paste into your browser

Key sentence there seems to be
"By signing this agreement,the signatory(s) confirms having read the Letter Of Authority and Terms Of Engagement contained in this pack and on our website and agrees to be bound by their content" If the aforementioned were not contained in the pack sent to you, then why did you sign the form?

Complaint Management Companies are not charities (far from it) and never offer their services for free.

Complaint procedure here:
http://www.cobleyjohnson.com/complaints-procedure.html
..but I doubt you'll have any success and I think you'll have to pay their fee.

joeb99

But there was no Terms Of Engagement contained, i assumed they were referring to that letter.

I understand there may be a fee but they having done this in a deliberate manner to con people by not mentioning what the fee is

societys_child

"By signing this agreement,the signatory(s) confirms having read the Letter Of Authority and Terms Of Engagement contained in this pack and on our website and agrees to be bound by their content"

Not sure if the bit I've highlighted in red makes a difference, you might struggle with this. But you didn't really believe they would work for nothing?

joeb99

I'm not trying to avoid Payment, it's not a large amount.

The real issue is the underhand way it has been presented to me and to many other vulnerable people! The are taking advantage! And it is a well thought out scam. But a scam none the less and people telling me I should not have signed it without seeing all the information are really not helpful

Does anyone actually know the difference between a letter of authority and a letter of engagement?

[Deleted User]

joeb99 wrote: »

I stupidly decided to sign and return the letter but only because no fees were mentioned.

joeb99 wrote: »

I'm not trying to avoid Payment

The sentence from your original post would seem to indicate otherwise.
Regardless, what then do you actually hope to achieve? The website you attempted to link to details the fees very clearly. They are a company (not a charity) and so charge for their services and I'm not sure how you can say "vulnerable" people are being "conned".

I'm no fan of claims companies, they do very little and charge a lot. However, you don't appear to have a valid complaint against them and I sincerely doubt you'll avoid paying them by claiming that no fees were mentioned to you.

Send them a complaint at the link I provided in post #4, they'll respond with all the information about the legally binding agreement you signed.

[Deleted User]

joeb99 wrote: »

The letter did not clearly state the fees! I don't see how you say it does.

I said the website of the company states the fees. I have no way of commenting on letters you may or may not have received.

joeb99 wrote: »

Them saying look at the website is not clear.

"By signing this agreement,the signatory(s) confirms having read the Letter Of Authority and Terms Of Engagement contained in this pack and on our website and agrees to be bound by their content"
What is not clear about this sentence?

joeb99 wrote: »

they cannot expect people to scan there whole website searching for it.

It takes very little "searching" as far as I can see and (in addition) the fees are apparently contained in the "pack" which you may or may not have received.

joeb99 wrote: »

You are not being helpful

You've said you don't want to avoid paying them, but you've yet to say what you actually do want. I've provided a link to their complaints procedure, so if you want to complain about their "hidden" charges I suggest you do so.

joeb99

All I want to know is the difference between a letter of authority with terms of engagement and a letter of engagement.

I understand that a letter of engagement must be signed which states the fees. What I signed is a letter of authority

[Deleted User]

joeb99 wrote: »

What I signed is a letter of authority

An authority for them to represent you in your PPI complaint. There is no "letter" of engagement, you receive the TERMS of engagement. I don't understand why you signed despite apparently not having received these terms? You can hardly say you thought it would be a free service,though, they are a claims company-not a charity.


Why aren't you querying this directly with the company concerned? Nobody here can say what you have (and haven't) signed.

If you find evidence that they have acted inappropriately, I suggest you send the details to the industry regulator, The Ministry Of Justice;
https://www.gov.uk/government/groups/claims-management-regulator