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thinking of using Litchfield to claim PPI
in Reclaim bank & credit card charges
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Keep a copy of the cancellation letter and get proof of posting (free from the post office) and hang on to it so that when they say they have not received it you can prove that, on the balance of probability you have.
DO NOT USE RECORDED DELIVERY. If you do and Royal Mail fail to get a signature (often happens) they will have evidence that it was not received. Proof of posting is considered to demonstrate that it is more likely than not that it was.
Oh deary me.
That means you are £945 out of pocket.
Sandya wondered how you got on, did you get your fee refunded? I also used a credit car, thought they were going to take the 1p test like paypal do and that I would have been notified before £495 was taken, feeling a bit worried and stupid!
am I protected under credit card contract?
Is 5-10 minutes really that difficult?
Filling in the CMC forms or doing the phone call to the CMC is going to take you longer. All the CMC does is post it to the free of charge complaints address that you would send the form to yourself.
This is a money saving site. Paying potentially thousands to get a company to post an envelope is not money saving.
Dont pay a Finacial Adviser to look up things and do research you can do yourself without paying them hundreds/thousands of pounds for 'managing your financial planning' when you can do it all yourself by investing time into your own research
These will be the same financial advisers that sold endowment mortgages, pension transfers and investment switches that have all been investigated by the FCA/FSA and had to pay out billions in compensation. and why do they have to pay out compensation......
because they lied to consumers.
and these are the same financial advisers that supply complaint management services and take complaints against each other to FOS for the advice they have given.
If you want to save money do some reading and don't trust your future plans and finances to a financial adviser.
Far more things than a 'consumer could ever hope to learn' what arrogance. Financial advisers have only just graduated from being 'qualified' by having the equivalent of an old A level such as may be held by a sixth form student after two years study
Most of the 20,000 advisers that exist today were not part of the 300,000 advisers and sales reps that existed 20-30 years ago.
Come off it. you know as well as me that most of those things came about because of hindsight.
And claims companies require no qualifications and employ the desperate.
Like the fine on Sesame for selling keydata to people who wanted low risk when the advisers were informed it was not suitable.
The FCA final notices issued to Paul Reynolds, Christopher Peacher (delivered to HMP Norwich) and Tailormade Investments all issued this year and just a hint of the number of advisers and firms that have been found and fined over the years for lying to the public and misleading them