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Anyone Had Dealings with Civil Claim Services Ltd
johnston818
Posts: 3 Newbie
MoneySavingExpert.com Insert 21 September 2018:
Civil Claims Services Ltd has requested a right of reply.
MSE does not endorse anything a company says on the Forum.
Many thanks for your replies but here is what we do at Civil Claim Services Ltd, as you will see our methods differ entirely to those advertised on free advice sites which we suggest if you have the time and know how to fight the cases yourself you may wish to consider using before us,
1. Search back to the mid-nineties with or without your PPI paperwork. We use a clause in the data protection act 1998 and have the skill set to decipher the information provided by the banks in order to identify PPI (which is rarely called payment protection insurance) finding your old agreements which date back to the early 90’s so no paperwork needed. Also PPI was widely banned in 2008 so checking your credit file is a waste of time.
2. We do not send template letters all legal arguments are based on your personal circumstances & on the ICOB (insurance code of business principles) unlike the templates available online and that many other claims companies use as they are deeply flawed.
3. A standard rate of 24% inclusive of vat which is way below many of our competitors but most importantly we have great reviews.
4. Any declined claims will be appealed to the relevant teams within the banks before sending to the financial Ombudsman who currently have a 5 year back log for PPI though we do try to get our clients cases pushed forward when possible.
5. Reclaim even if you did not pay back your credit agreement in full due to arrears, IVA, bankruptcy etc on a no win no fee basis (see full terms but basically you must tell us if you did not complete credit agreement before we start).
6. Handling multiple claims can be time consuming and if you do not have the time or inclination but do not want to miss out then use us.
7. If you have used other methods to check for PPI and been told no we are happy to check again for you.
8. If you want to try and do your claims yourself then please do but we are here for those who do not have the time or possibly confidence to enter the claim process.
9. We have complex spreadsheets to verify refunds are correct and have a proven history of appealing cases in order to get increased refunds
10. Our fees are clearly explained and unlike many will not use to your data to sell other products which we make a commission on.
11. Should you wish to use us you will be allocated your own personal claim handler so no being passed from pillar to post during the process.
12. You can order your claim forms here without the need for a phone call https://www.civilclaimservices.co.uk/ppi-form or call us on 08008620605
Back to the original post...
---
Hi All
Looking to Reclaim PPI on loand and Credit cards
I have contacted a company called Civil Claim Services Ltd, who have offered me a rate of 25% inclusive of Vat on a no win no fee case
Having had heaps of loans and credit cards i want to check to see what i can get back if anything, i know this can be done by myself but feel that the claim company will follow through with it where i will probably lose interest if i get rejected
Has anyoen had any experience with the above company, good or bad
Any advice appreciated
Cheer
J
Civil Claims Services Ltd has requested a right of reply.
MSE does not endorse anything a company says on the Forum.
Many thanks for your replies but here is what we do at Civil Claim Services Ltd, as you will see our methods differ entirely to those advertised on free advice sites which we suggest if you have the time and know how to fight the cases yourself you may wish to consider using before us,
1. Search back to the mid-nineties with or without your PPI paperwork. We use a clause in the data protection act 1998 and have the skill set to decipher the information provided by the banks in order to identify PPI (which is rarely called payment protection insurance) finding your old agreements which date back to the early 90’s so no paperwork needed. Also PPI was widely banned in 2008 so checking your credit file is a waste of time.
2. We do not send template letters all legal arguments are based on your personal circumstances & on the ICOB (insurance code of business principles) unlike the templates available online and that many other claims companies use as they are deeply flawed.
3. A standard rate of 24% inclusive of vat which is way below many of our competitors but most importantly we have great reviews.
4. Any declined claims will be appealed to the relevant teams within the banks before sending to the financial Ombudsman who currently have a 5 year back log for PPI though we do try to get our clients cases pushed forward when possible.
5. Reclaim even if you did not pay back your credit agreement in full due to arrears, IVA, bankruptcy etc on a no win no fee basis (see full terms but basically you must tell us if you did not complete credit agreement before we start).
6. Handling multiple claims can be time consuming and if you do not have the time or inclination but do not want to miss out then use us.
7. If you have used other methods to check for PPI and been told no we are happy to check again for you.
8. If you want to try and do your claims yourself then please do but we are here for those who do not have the time or possibly confidence to enter the claim process.
9. We have complex spreadsheets to verify refunds are correct and have a proven history of appealing cases in order to get increased refunds
10. Our fees are clearly explained and unlike many will not use to your data to sell other products which we make a commission on.
11. Should you wish to use us you will be allocated your own personal claim handler so no being passed from pillar to post during the process.
12. You can order your claim forms here without the need for a phone call https://www.civilclaimservices.co.uk/ppi-form or call us on 08008620605
Back to the original post...
---
Hi All
Looking to Reclaim PPI on loand and Credit cards
I have contacted a company called Civil Claim Services Ltd, who have offered me a rate of 25% inclusive of Vat on a no win no fee case
Having had heaps of loans and credit cards i want to check to see what i can get back if anything, i know this can be done by myself but feel that the claim company will follow through with it where i will probably lose interest if i get rejected
Has anyoen had any experience with the above company, good or bad
Any advice appreciated
Cheer
J
0
Comments
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No-one on here will recommend a claims firm because they are all a rip-off - you do all the work, they get a huge chunk of any refund.
If you get rejected it takes a few minutes to email or phone the FOS to refer a case - giving a company 25% to post a letter and refer a case is utter madnessSam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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I have actually just read through all the Links about reclaiming and going to do it myself
Im assuming that i will have to pay for each SAR request which could cost me £150Ish or can you call up the majority of the lenders
Its a bit daunting but when you actually read in to it, its not that bad
What about for places that have been bought over by other companies, Example - Egg
Ill be asking daft questions so apologies in advance0 -
No CMC will "check if you can get back anything". All they can do is represent you in any complaint you may make. You would still need to give them the details of any finance you may have had and the reasons for the complaint. They will then just send a template letter and do not much more. The bank will generally contact you directly if they require any further information anyway. Seriously, don't use a CMC they do naff all for their money!
As regards your latter question most banks will tell you whether you took PPI with them without you having to go through the SAR process (which requests everything they have on file for you). However, this will only say whether you had the product. Only you can decide whether you think you have grounds for complaint or not.0 -
johnston818 wrote: »I have actually just read through all the Links about reclaiming and going to do it myself
Im assuming that i will have to pay for each SAR request which could cost me £150Ish or can you call up the majority of the lenders
Its a bit daunting but when you actually read in to it, its not that bad
What about for places that have been bought over by other companies, Example - Egg
Ill be asking daft questions so apologies in advance
No question, unless you already know the answer, is daft
1) Ring lenders up, ask them if you had it - simplest way and saves you £10 - you don't need a DSAR to make a PPI complaint - many can tell from an account number if you did or not - you would only need a DSAR if front line staff cannot find any record of you and you have no records yourself
2) Search this forum for the people handling old complaints, most of them have been covered - Egg seems to be Citibank:
http://www.citibank.co.uk/personals/cards/cards/feedback/egg.htmSam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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I'm new to this forum please excuse any sending errors. The thought of claiming PPI myself sounds an extremely scary thought. I know I'm entitled to something and was going to go the same road with civil claims services Ltd. Wondered if you have had any luck johnston818. would be grateful for any advice.johnston818 wrote: »Hi All
Looking to Reclaim PPI on loand and Credit cards
I have contacted a company called Civil Claim Services Ltd, who have offered me a rate of 25% inclusive of Vat on a no win no fee case
Having had heaps of loans and credit cards i want to check to see what i can get back if anything, i know this can be done by myself but feel that the claim company will follow through with it where i will probably lose interest if i get rejected
Has anyoen had any experience with the above company, good or bad
Any advice appreciated
Cheer
J0 -
I'm new to this forum please excuse any sending errors. The thought of claiming PPI myself sounds an extremely scary thought. I know I'm entitled to something and was going to go the same road with civil claims services Ltd. Wondered if you have had any luck johnston818. would be grateful for any advice.
No-one is entitled to anything with PPI - you are complaining you are miss-sold something.
I'll explain in simple terms how the process works:
You find your product you feel was miss-sold (looking through your old records for example)
You formulate a reason for complaint (such as having excellent work benefits that would negate a need for PPI)
You write to the bank with your complaint reasons and the bank judges it and if they agree you were miss-sold you keep 100% of the refund
If they reject it you can refer to the FOS for nothing and they will give an independent view
With a claims company:
You find your product you feel was miss-sold (looking through your old records for example)
You formulate a reason for complaint (such as having excellent work benefits that would negate a need for PPI)
They write to the bank with your complaint reasons and the bank judges it and if they agree you were miss-sold you keep 50-70% of the refund and give 30-50% of your refund away
If they reject it you can refer to the FOS for nothing and they will give an independent view
That is all a claims company does - post off your complaint fo you.
You still do all the work, you gather the records, complaint reasons, work benefits evidence etc , all they do is post the form off for you.
Do you really think saving 50p by getting a CMC to post a letter is worth losing thousands of pounds?Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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Thank you for your reply Nasqueron. From what you say it doesn't sound as complicated as I thought. I'll do this myself.0
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I can assure you it's not complicated to claim yourself. I have got £17.5k back doing it myself and awaiting an offer from Yorkshire Bank on a FOS upheld case, there is no stress or hassle involved and I'm no financial or legal genius. To boot the FOS were a dream to deal with.
My personal opinion is that claims companies are as big a scandal as the original miss-selling of PPI and they bring a new meaning to the word parasite. DON'T USE THEM! Claims companies have earned millions by sticking stamps on envelopes. All claims companies do, is take money that is rightfully yours in the event of an upheld case.
Marty...0 -
Wow, how unethical is that.
We have the director of a claims company trying to promote his company with unethical methods (by making out he is someone else).
it tells us everything we need to know about this company and that people should avoid it at all cost.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
I suppose we could all head over to his firm's facebook page and start posting about what a waste of money it is to use a CMC.
In the meantime, I have reported this spam, and that on another thread asking about who is the best ambulance chaser.0
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