PPI Invoice Dispute

James_B85

Hi, I am new to this community so please bear with me.

I made a PPI claim through a 3rd party claims company which was unsuccessful. I received an invoice from the claims company several months later for £150 inc vat (this is the value of the work undertaken, apparently) which stated that I should pay them even though they have a "no win, no fee" due to "it becoming apparent that I have already tried to claim my PPI back without advising them of this". Now, this is incorrect as I distinctly remember me informing their telephone operator at the time that I had previously tried to reclaim my PPI back before which was unsuccessful, for which the telephone operator informed me that they can try again for me as they may have a better outcome due to it being their expertise. Now, what I am seeking help and guidance on is what should my next steps be? How do I go about disputing the invoice as I believe it is incorrect and I have been 'duped'. Should I choose to ignore the letter from the claims company? Will they threaten court proceedings if I do not pay? Am I liable for this invoice? On the invoice it does not state a payment term i.e. this invoice is to be paid in X amount of days.

Any help or advice would be much appreciated.

Many thanks in advance.

dunstonh

received an invoice from the claims company several months later for £150 inc vat (this is the value of the work undertaken, apparently) which stated that I should pay them even though they have a "no win, no fee" due to "it becoming apparent that I have already tried to claim my PPI back without advising them of this".

That is actually quite common. Its basically because you wasted their time.....

Now, this is incorrect as I distinctly remember me informing their telephone operator at the time that I had previously tried to reclaim my PPI back before which was unsuccessful, for which the telephone operator informed me that they can try again for me as they may have a better outcome due to it being their expertise.

.... However, as that is the case, it appears that they encouraged you to waste their time and you did correctly disclose. So, they shouldnt be charging you for wasting time when it is their own fault. The telephone person you spoke to was talking rubbish and should have rejected you but I guess they wanted to earn their commission.

Now, what I am seeking help and guidance on is what should my next steps be? How do I go about disputing the invoice as I believe it is incorrect and I have been 'duped'. Should I choose to ignore the letter from the claims company? Will they threaten court proceedings if I do not pay? Am I liable for this invoice? On the invoice it does not state a payment term i.e. this invoice is to be paid in X amount of days.

Don't ignore it. Write back, keeping a copy, that you dispute the charge as you told the person on the phone that you had previously complained and had been rejected and that the person said that was not a problem and you could still do it again. Use the words that you recall from the phone call. Put a letter heading of Formal Complaint at the top to make sure it is recognised as a complaint as they have to follow a defined process in that case.

James_B85

Thanks dunstonh. I shall get drafting a letter.

magpiecottage

Actually, make clear in your letter that this is a complaint that they misled you in the initial sale of their service.

This puts them onto the back foot as they have to answer the complaint, rather than simply reiterating their claim against you.

If they do not back down then you can take them to the Legal Ombudsman.

If you do there is a risk that they will still win a pyrrhic victory because the Ombudsman may find in their favour - but although it is free to you, it will cost them £400 to find out.

Not, of course, that you should resort to blackmail!

James_B85

Thank you magpiecottage

Alpine_Star

You need to check their terms & conditions to see if it states they can charge you in these circumstances.


Who is the company?

magpiecottage

Alpine_Star wrote: »

You need to check their terms & conditions to see if it states they can charge you in these circumstances.

Fair comment. Like we say with regard to claims that an adviser said they had to have PPI is an unsubstantiated allegation.

However, that does not make it any less valid.

It will be interesting to know who it is - and if anybody else is experiencing the same problem with them.

dunstonh

This appears to be a mis-sale complaint against the CMC. Much in the same way they make mis-sale complaints against the banks for telling lies about PPI.

James_B85

Hi the company is JPS Financial Ltd.