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* Consumer Refund Service* What to do next.
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Moneyineptitude wrote: »A defence of Margaret Thatcher?:eek:
Really?:eek:
Defend the indefensible why don't you?
Your post reads as if it was lifted directly from the Daily Mail in the 1980's
Massively off-topic and should be posted only in the Money Savers Arms;
https://forums.moneysavingexpert.com/forumdisplay.php?f=57
If the forum wasn't now so quiet, your comments would have provoked a huge argument by now...
Why not? She was linked to something she wasn't responsible for.0 -
I've already reported some of these posts for the same reason. They're massively off topic.
All very well for people to generalise from the point of view of their own history, but a very emotive subject for those who actually lived it, rather than read about it.
Charming to see the original posts have NOT been deleted but the latest one has.Non me fac calcitrare tuum culi0 -
I've already reported some of these posts for the same reason. They're massively off topic.
All very well for people to generalise from the point of view of their own history, but a very emotive subject for those who actually lived it, rather than read about it.
Charming to see the original posts have NOT been deleted but the latest one has.
When you are dealing with facts, not emotion, you get a better view. I grew up in the north, I am well aware of the hatred of Thatcher, at the same time, I can read and research history, facts and evidence. Claims such as Thatcher killed the mining industry are emotive. Actual history and evidence proves a) she didn't and b) the reasons why British coal eventually failed. Whether you like it or not, the facts don't support the emotion.Sam 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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This morning a letter popped through the door (addressed only to 'The Houseowner') from Consumer Refund Service Ltd. I've been around the block too many times ever to fall for a fancy name, no matter how impressive it might sound, so am aware that this is just another PPI claims firm chasing new business.
My reason for posting here then is not to ask about this "service" but to ruefully admit that claiming PPI is something I've never seriously thought about until now. My own fault. The situation hubby and I are in is one which will likely be familiar to many on here, that of knowing we had PPI some time / whenever but have no documentation now to confirm that.
The PPI we were required to pay was in respect of a re-mortgaging from Barclays in 1989. It was paid until 1994. We were given no option about having / not having it: PPI was a fixed condition.
I've now read through the paperwork from Consumer Refund Service. I'm invited to sign up by post or complete an online form or telephone the company to ask for "your FREE PPI check". I'm told that the firm will then do the checking and, as for any claim arising, either I can make it myself or the firm will handle it on a no-win, no-fee basis.
There's no mention of the commission chargeable in the event of a successful claim but I expect I'd be told that if I was inclined towards dealing with the company -- which I'm not. (The company's web address...I have a distinct aversion to any commercial enterprise deliberately trying it on with that suffix . . .)
What I'm wondering is this:
If it's as easy as Consumer Refund Service makes out -- the claim document they'd like me to fill in is a single page seeking name and address contact details, and then a series of box-checkable financial institutions (of which Barclays / Barclaycard is one) -- then I might as well do it myself.
Questions, then:
Have others here gone their own way and lodged a PPI claim without resorting to a claims company? If so: how torturous was their experience?
I should emphasise that OH and I are entirely realistic; a claim may succeed / may not succeed. Who knows?
I've also no complaint to make about Consumer Refund Service, or its assertion "£2m RECOVERED EVERY WEEK" because I'd expect sophistry from any outfit riding the PPI gravy train: the company seems remarkably careful not to say that it is recovering that amount of money each and every week, but merely. . . imply it.
Yeah. Right. I believes ya.
Some people close to me have tried to claim PPI themselves and have hit a brick wall with creditors having to defend constant rebuttals. I can confirm that Consumer Refund Service are legitimate as my mum has received PPI compensation through them. They take a 24% cut, but they are dexterous at using legal argument and succeeded where my mum failed to receive compensation directly engaging with creditors. It seems better to get some money, or at least money you wouldn't otherwise have, by going through a claims management company. They get the job done and it saves a lot of headache, time, stress and frustration along the way. What value would you place on that? I don't think 24% is extortionate for the service they provide and in their Terms of Engagement they will charge no fee if compensation is less than £1,000 and you have arrears with the creditors. Plus if that scenario is the case then only an 8% fee applies if the compensation is over £1,000.
Hope that sheds a different light on this organisation as there seems to be a lot of negativity surrounding claims management companies in general in the debt advice industry. I can definitely vouch for them and I think there is a time and a place for using claims management companies, so I wouldn’t disregard them out of principle or anything like that. I don't think it's stupid, irresponsible or lazy to use them as I have seen mentioned in some forums. As mentioned above, doing it directly can be a minefield and fruitless.0 -
Some people close to me have tried to claim PPI themselves and have hit a brick wall with creditors having to defend constant rebuttals. I can confirm that Consumer Refund Service are legitimate as my mum has received PPI compensation through them. They take a 24% cut, but they are dexterous at using legal argument and succeeded where my mum failed to receive compensation directly engaging with creditors. It seems better to get some money, or at least money you wouldn't otherwise have, by going through a claims management company. They get the job done and it saves a lot of headache, time, stress and frustration along the way. What value would you place on that? I don't think 24% is extortionate for the service they provide and in their Terms of Engagement they will charge no fee if compensation is less than £1,000 and you have arrears with the creditors. Plus if that scenario is the case then only an 8% fee applies if the compensation is over £1,000.
Hope that sheds a different light on this organisation as there seems to be a lot of negativity surrounding claims management companies in general in the debt advice industry. I can definitely vouch for them and I think there is a time and a place for using claims management companies, so I wouldn’t disregard them out of principle or anything like that. I don't think it's stupid, irresponsible or lazy to use them as I have seen mentioned in some forums. As mentioned above, doing it directly can be a minefield and fruitless.
If only you hadn't just registered to make this post your 'story' might be a bit more believable.0 -
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enterprising CRS sales staff or managers getting some extra work in ahead of their end of year appraisal.helpful tips
it's spelt d-e-f-i-n-i-t-e-l-y
there - 'in or at that place'
their - 'owned by them'
they're - 'they are'
it's bought not brought (i just bought my chicken a suit from that new shop for £6.34)0 -
rebuttals? dextrous with legal argument?Have you been watching a lot of judge judy?
Claims companies have no special powers, they are not versed in the law the same as a barrister would be, they make EXACTLY the same complaint you would.
The only difference with them making the complaint is that they get 24% of any redress of your before tax is taken off.
Not bad for a stamp. I can see why they do that, because that saying about a fool and his money is still true.Non me fac calcitrare tuum culi0 -
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Holy tenuous attempt to crowbar Thatcher into something Batman!
Labour introduced the no win no fee suing culture in 1998 and they were warned in 1999 by their own commission that non-lawyer claims companies needed regulating and ignored the advice.
And what have the Tories done to reverse this in the 8½ years since *New* Labour were in power?0
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