CharterHouse Claim demanding with menace!

Benders

Anyone had any dealings with Charthouse Claims? I so wished I hadnt. They have been acting for me regards PPI reclaims. I had a call last week saying that C & G had paid me £2900 in Feb this year 2014. I was adamant that they hadnt and checked my statements. They emailed me the same details, again saying it was 2014. The next day a letter arrives saying I had been paid out in Feb 2013 (no wonder I didnt recall it) and another letter arrived separately wanting their fees within 7 days. 2 days later another letter, written in red, "failure to pay this invoice may result in added costs and interest". They are phoning me 3 or 4 times a day now too.

I agree I signed to say I would pay them a percentage. However:

Why didnt they chase this at the time I was paid out ie 18 months ago? I am sure there will be 1000's like me that are feeling pressured, cannot find £1097 just like that and are concerned about the harrassment and threat of further costs. Do you think they wait this long to get as much as they can from people? I have offered to pay it monthly but that is subject to an admin fee of £50.

I used Belmont Thornton in the past, they were cheaper and not so money grabbing. CharterHouse take 30% and hound the living daylights out of me.

Any advice would be so appreciated

[Deleted User]

Benders wrote: »

Why didnt they chase this at the time I was paid out ie 18 months ago? I am sure there will be 1000's like me that are feeling pressured, cannot find £1097 just like that and are concerned about the harrassment and threat of further costs. Do you think they wait this long to get as much as they can from people? I have offered to pay it monthly but that is subject to an admin fee of £50.

I think you'll have to pay up.
You ask why they didn't "chase" you eighteen months ago, but one might reasonably ask why you didn't simply settle the debt at the time?

You freely admit you signed a contract to pay them, so you'll just have to accept that it is legally-binding.

Benders

I will definitely pay up, I agree to what I signed up for. However, perhaps I havent made it clear in my initial post that I was not aware that they had not had "their cut" when I was paid out Feb 2013. The first I heard that I owed them anything was the phone call last week. I have never been in debt to anyone in my life and agree that I will pay it but wonder why they hadn't noticed for 18 months?

dunstonh

Why didnt they chase this at the time I was paid out ie 18 months ago?

It doesnt really matter. you have had the financial benefit of having the money for 18 months when you should have paid earlier.

I am sure there will be 1000's like me that are feeling pressured, cannot find £1097 just like that and are concerned about the harrassment and threat of further costs.

Why dont you have the money? C&G paid you £2900. What did you do with it?
Or is it that you hoped you would get away with not paying?

Do you think they wait this long to get as much as they can from people?

Not sure how you think that because its £1097 now and it would have been £1097 last year. They have lost interest on that amount whilst you have gained interest. You are the winner here. Not them.

I have offered to pay it monthly but that is subject to an admin fee of £50.

Which sounds reasonable. Although I wonder if they have a consumer credit agreement.

However, perhaps I havent made it clear in my initial post that I was not aware that they had not had "their cut" when I was paid out Feb 2013.

You say used another claims company before. They would not have taken their cut either. So, what gave you the impression this time that is was different? When C&G supplied the breakdown of how the redress was calculated and it didnt show a deduction for the claims company, why did you think it did?

I have never been in debt to anyone in my life

You must have done if you paid PPI.

Realistically, nothing you can do about it.

[Deleted User]

Benders wrote: »

I was not aware that they had not had "their cut" when I was paid out Feb 2013.

They cannot take their "cut" until you pay it to them. C&G will have paid all the redress direct to you.

Benders wrote: »

wonder why they hadn't noticed for 18 months?

Just as C&G will not have paid your CMC's "cut", neither will they have informed them of the success of your complaint.

Certainly, they've taken a long time to demand payment-but you have to bear some responsibility for not checking yourself that your debt was paid. Having used other CMCs, you already know the procedure.

Benders wrote: »

I have never been in debt to anyone in my life

If that was the case then you'd not now be receiving refunds of insurance you took out on debt!

Benders

I do not take kindly to be accused of trying to "get away" with it. I assumed that their fees were taken at source and I repeat, I have no problem with paying them. If you're expecting an explanation as to why I do not have the funds now then think again. Finally, do not make me out to be up my ears in debt - it was a mortgage PPI............OK the biggest financial commitment most of us will ever make!

[Deleted User]

Benders wrote: »

I assumed that their fees were taken at source ..

If you've also assumed that to be the case with Belmont Thornton, then they will likely be also soon chasing you for payment!

Benders wrote: »

I used Belmont Thornton in the past

Benders

Quite the contrary.............Belmont Thornton received the monies and sent me the remainder, after deducting their fees. CHC have admitted that I should have had an invoice 18 months ago. I'll leave you to it now as you've clearly got little else to do TTFN

[Deleted User]

Benders wrote: »

..Belmont Thornton received the monies and sent me the remainder, after deducting their fees.

Since Banks only pay redress direct to the complainant, I think your memory of that must be faulty.

I agree you should have received an invoice from the other CMC earlier than you did, but otherwise you can have no complaint and it in no way changes the fact that you still owe them.

dunstonh

Benders wrote: »

I do not take kindly to be accused of trying to "get away" with it. I assumed that their fees were taken at source and I repeat, I have no problem with paying them. If you're expecting an explanation as to why I do not have the funds now then think again. Finally, do not make me out to be up my ears in debt - it was a mortgage PPI............OK the biggest financial commitment most of us will ever make!

We can now see how you make so many mistakes with the assumptions you make.

Insider101

Moneyineptitude wrote: »

Since Banks only pay redress direct to the complainant, I think your memory of that must be faulty.

I agree you should have received an invoice from the other CMC earlier than you did, but otherwise you can have no complaint and it in no way changes the fact that you still owe them.

Not all of them. It has been known for some smaller lenders (and even at the start some larger ones) to pay to CMCs. The reason they stopped doing it was primarily to protect their own interests, e.g apply set off when in arrears etc... So the OP may have had an earlier payment directly.