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Is there a recommended Claims management company?
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Quickblood
Posts: 287 Forumite
I don't have much paperwork and I suspect I only had PPI with Littlewoods many years ago. I don't have patience to hunt down all my closed accounts to find out if I had PPI. So it's a claims company or I'd probably give up but is there a preferred company?
2007 Won Ipod 30GB Video Sold on ebay for £136.51
Total Winnings in 2007 = £136.51 :T
Total Winnings In 2008/2009/2010 = £0
Total Winnings In 2011 = £305.37 (49s Lotto):D
Total Winnings In 2012/13/14/15/16/17/18 = 0
Total Winnings This Year = £0 :mad:
Total Winnings in 2007 = £136.51 :T
Total Winnings In 2008/2009/2010 = £0
Total Winnings In 2011 = £305.37 (49s Lotto):D
Total Winnings In 2012/13/14/15/16/17/18 = 0
Total Winnings This Year = £0 :mad:
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Comments
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So it's a claims company or I'd probably give up but is there a preferred company?
That is a bit like asking what the shiniest turd is. However, I think you don't understand what a CMC does. They do not hunt down what you have paid. They can check your credit record (just as you can free and easily using noddle) and that will show the last 6 years credit history. Some will check land registry to see what secured loans you have had. However, that is it. Beyond that, your data is not in the public domain. They need you to tell them.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 was under the impression that you give them permission to track down past accounts on your behalf using that data & check if you've paid PPI.
If I have to start filling in forms unfortunately I already know I won't.2007 Won Ipod 30GB Video Sold on ebay for £136.51
Total Winnings in 2007 = £136.51 :T
Total Winnings In 2008/2009/2010 = £0
Total Winnings In 2011 = £305.37 (49s Lotto):D
Total Winnings In 2012/13/14/15/16/17/18 = 0
Total Winnings This Year = £0 :mad:0 -
No, you give them permission to "represent" you in PPI complaints; for which they charge fully a third of anty redress awarded (plus VAT).Quickblood wrote: »I was under the impression that you give them permission to track down past accounts on your behalf
Form filling is done only by you..0 -
Moneyineptitude wrote: »No, you give them permission to "represent" you in PPI complaints; for which they charge fully a third of anty redress awarded (plus VAT).
Form filling is done only by you..
Really, So what's the point of them then? :eek:
I can see why so many don't bother to claim. I saw HSBCs claim form and that put me right off. Let alone trying to track down other accounts I've had in the last 6 years.2007 Won Ipod 30GB Video Sold on ebay for £136.51
Total Winnings in 2007 = £136.51 :T
Total Winnings In 2008/2009/2010 = £0
Total Winnings In 2011 = £305.37 (49s Lotto):D
Total Winnings In 2012/13/14/15/16/17/18 = 0
Total Winnings This Year = £0 :mad:0 -
To make (lots of) easy money of course!Quickblood wrote: »Really, So what's the point of them then? :eek:
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Really, So what's the point of them then?
Many people that have been mis-sold PPI are very easy marks to be mis-sold again. They can make out that it is so much effort and they will do all the work. In reality, it takes very little to complain and the process is painless.I saw HSBCs claim form and that put me right off.
When you have a solid nailed on complaint reason, you dont need to use that sort of form. It is used for people that dont know if they were mis-sold or not.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 -
When you have a solid nailed on complaint reason, you dont need to use that sort of form. It is used for people that dont know if they were mis-sold or not.
I suspect I paid PPI but I don't have much if any paperwork and I was an unemployed student at the time so it would have been useless.
I guess I'll have to knuckle down and write letters.2007 Won Ipod 30GB Video Sold on ebay for £136.51
Total Winnings in 2007 = £136.51 :T
Total Winnings In 2008/2009/2010 = £0
Total Winnings In 2011 = £305.37 (49s Lotto):D
Total Winnings In 2012/13/14/15/16/17/18 = 0
Total Winnings This Year = £0 :mad:0 -
Quickblood wrote: »I suspect I paid PPI but I don't have much if any paperwork and I was an unemployed student at the time so it would have been useless.
I guess I'll have to knuckle down and write letters.
PPI firms don't know your data as it's not publicly available, just write to or ring any firms you think you had finance with and askSam 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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