Not upheld ppi claim but commission involved ?

Rclj

My complaint is based on number of factors and having discussed this with the lender today

Rclj

My complaint is based on a number factors the main ones being we werent told the ppi was optional and also that we had to have it if we were to get the product we wanted there are other reasons too . The first person I spoke to wasn't as helpful as the guy today, I actually came off the phone the first time feeling like I had been stitched up I explained that today on phone and that is why the guy said it'll be reviewed

dunstonh

the main ones being we werent told the ppi was optional

Rare to see a complaint upheld on that basis unless it is in the documentation.

l and also that we had to have it if we were to get the product we wanted there are other reasons too .

If it was actually a condition of borrowing, then that is allowed and not a missale reason as long as the product was suitable.

It is only a missale reason if that was a lie. However, again, its a difficult one to prove.

They could still change their decision as none of us here have the benefit of the audit trail. Just be prepared for failure as you are looking at the weakest complaint reasons there are. Most succeed on stronger reasons than those or get lucky on an auto-payout.

kenmore

I used a claims firm to see if I was missold ppi by the Halifax it was not upheld and the claim went no further. Last week the Halifax transferred money into my not for ppi but for the commission and interest which they didn't tell me about , I now have the claim company phoning me asking me for payment,I used the claims company for missold ppi and nothing else,I was just wondering if anyone was in the same boat/

dunstonh

kenmore wrote: »

I used a claims firm to see if I was missold ppi by the Halifax it was not upheld and the claim went no further. Last week the Halifax transferred money into my not for ppi but for the commission and interest which they didn't tell me about , I now have the claim company phoning me asking me for payment,I used the claims company for missold ppi and nothing else,I was just wondering if anyone was in the same boat/

If the plevin payout is within 6 months of the rejection then the CMC is entitled to be paid. If its over 6 months, they are not unless you signed a new agreement with them or they had previously told you about Plevin and were active in the process.

The rules are here:
https://www.gov.uk/government/publications/claims-management-companies-plevin-guidance/plevin-guidance-for-claims-management-companies

See section 3.

The Ministry of Justice, back in 2014, in a bulletin issued about CMCs billing people for money they are not entitled to said it could be considered fraud.