Dispute PPI firm or just pay up?

mrharrod1

Hello,

My wife (unknown to me, though not through deception of any kind understand) opened a PPI refund case with a bank via Black Pearl PPI firm. The case was against our joint bank account. Note - My wife joined the account in 2003.

She (alone) signed the Black pearl forms of consent, so they could go off and make a claim against the bank.

Bank has agreed to a miss selling of PPI on a overdraft which started in 1999 (before wife was part of the account) to 2007.

I am wondering if technically, wife legally doesn't need to pay Black Pearl there fee based on ...

1. I didn't sign a consent with her, for black pearl to investigate the account in question.
2. The PPI insurance started before my wife became part of the account.

I cant for the life of my find Black pearls T&C's!, which I'm sure would answer my question, so hoping somebody with knowledge in this could advise please kindly.

I'm happy to pay black pearl (with a grudge), but would rather not :T :rotfl:

dunstonh

1. I didn't sign a consent with her, for black pearl to investigate the account in question.

You dont need to. its a joint account with either to sign.

Alpine_Star

T&Cs http://www.blackpearlclaims.co.uk/terms-conditions/

magpiecottage

dunstonh wrote: »

You dont need to. its a joint account with either to sign.

That is because the contract with the bank is one which both of them signed on the application form.

However, it is not the contract with the ambulance chaser, so if it tries to charge him a fee he would seem to have grounds to complain that it never had a contract with him.

PinkPixie

This depends on what the bank did.

If the bank has paid you personally and you didn't sign an agreement with the CMC then you don't owe them anything.

If the bank paid out to your wife then you should submit your own complaint to the bank (without the CMC).

If the bank either paid both of you or paid you jointly then she will only be liable to the CMC for her share.