Anyone Had Dealings with Civil Claim Services Ltd

[Deleted User]

SPAM posts above.

Nasqueron

Nothing you have said there is true

Personal finance is not in the public domain, a CMC will use the same process as a "civilian" would - either ringing the bank and asking or doing a DSAR + £10 payment to get a person's records from there. The CMC does not add anything to the process.

You don't need time to do a PPI complaint and using a CMC literally only saves you the trouble of walking to the postbox, if you can give a CMC the details needed for a complaint, you can do it yourself.

No-one in their right mind would pay a CMC to use a free complaints process

[Deleted User]

Nasqueron wrote: »

No-one in their right mind would pay a CMC to use a free complaints process

Unfortunately, people "in their right mind" do pay CMCs and will continue to do so while newspapers, TV and Radio etc continue to carry adverts for their "services".

What we don't need is CMC propaganda posted on this site...

magpiecottage

If a complaint is upheld, any redress is only intended to put you back into the position you would have been in had the plan not been missold to you.

So, for example, if you are now £1,000 worse off than you would otherwise have been, then you will be awarded £1,000.

However, since the process is free, you will not be reimbursed any money you pay for somebody else to do it for you.

CMCs typically charge 25 per cent or more to do the job for you. So if you are awarded £1,000 they will take £250. They will then add VAT onto that - which in this example is £50.

So you might be £1,000 worse off but you only see £700 of it back. You are still £300 worse off.

CMCs like you to believe that they are more likely to get money back for you - and may even post it on their websites or on their Facebook page etc. but there regulator prohibits this.

The reason it prohibits it is because it is not true. The Claims Regulator (part of the Ministry of Justice) and the Financial Conduct Authority both say that CMCs are no more successful than DIY complainants.

However, such claims on a CMC's website does tell us one thing, though. It tells us that the CMC is happy to stick two fingers up at its regulator.

You would be wise to avoid such a business.

Similarly a business which shows blatant disregard for the rules of somebody else's website by using it to spam is unlikely to show due regard to your best interests.

If you really do not feel confident to complain yourself, the go here. These people say "If the business that sold you the policy isn't listed below - or if you're unsure about anything - we can help. We can get in touch with the business for you, tell them about your complaint, and ask them to investigate it."

They even provide a freephone number for you to call them. And, like the Claims Regulator and the FCA, they say "why pay someone else to do it for you – when you're just as likely to win by doing it yourself for free".

Who are they?

The Financial Ombudsman Service of course.

Nasqueron

Nothing you offer is any different to the complaints process you can use for free AND your propaganda doesn't help by suggesting things like sending a DSAR is "scary" - a simple friendly guide is linked here, sending a letter and £10 payment is not hard.

Any fee above £0 for using a free complaints process is extortionate

Any cases you won after the bank and ombudsman turned them down are down to one of two things: appeal from the adjudicator at the FOS to the ombudsman or the bank changing their mind and reviewing the case - nothing a CMC offers is any more likely to succeed than doing it yourself as you well know (and why the ASA have banned CMCs from claiming otherwise)

http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

[Deleted User]

The hilarious thing is that you try to say that your firm can somehow force the banks to pay the "correct" amounts, but then charge an extortionate fee which more than wipes out any alleged "benefit" to the complainant.

The banks are in the newspapers because they are being retrospectively forced to re-visit complaints where they have underpaid. This has been the result of action by the regulator, not some claim company.

Edited just to add;
Subject Access Requests (DSAR) are not in any way "scary" and cost the customer £10, not a huge wedge of any redress awarded.

magpiecottage

Moneyineptitude wrote: »

The hilarious thing is that you try to say that your firm can somehow force the banks to pay the "correct" amounts, but then charge an extortionate fee which more than wipes out any alleged "benefit" to the complainant.

I do not find this in the least funny.

(Text removed by MSE Forum Team)

His business Civil Claim Services Limited are seeking to get people to pay them to get redress which these banks will pay anyway.

It is a bit like those websites that con you into paying for a free EHIC card or passport application.

Moneyineptitude wrote: »

Edited just to add;
Subject Access Requests (DSAR) are not in any way "scary" and cost the customer £10, not a huge wedge of any redress awarded.

I will just add that if you have any queries or anxieties about it, you can call the REAL experts, the Financial Ombudsman Service who will charge nothing to help.

The number is 0800 023 4567. They even pay for your call.

[Deleted User]

magpiecottage wrote: »

I do not find this in the least funny.

The hilarity is only that the poster concerned is trying to defend the indefensible with ridiculous logic, exaggeration and even outright lies.

I sincerely doubt this person can really be running a claim firm, regardless of who he purports to be with the user name he has chosen. If he is indeed who he claims, then he should realise that his posts here will do little to inspire confidence in potential customers...

fermi

Thread and posts referred to forumteam@moneysavingexpert.com

Former_MSE_Andrea

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