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Do I have to pay the ppi claims company if I never signed anything with them
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Looks like I’ve been sucked into this via MyOffers too who I rang and told me an electronic signature could be used by these guys. Looks nothing like mine but again Halifax seem to have gone ahead with them.
Uclaim4me want fees from the Gross amount also and not the Net amount so how does that work!?0 -
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It would appear I used a site called myoffers that offered a search for ppi via uclaim4me.
A electronic signature was applied and then attached to a letter off authority to the Halifax.
I vaguely remember doing such a thing but thought it was just for a search.
The signature looks nothing like mine and surprised that the Halifax excepted it , You would hope a wet signature would be required in a contract but apparently not.
This is open to abuse and I find very worrying
A lesson learn't I guess
The clue is in the name uclaim4me, it's not usearch4me.0 -
Complain to the CMC and then when they reject it, complain to the Legal Ombudsman about this issue, particularly not having a "wet" signature and see what happens. Worst case you still have to pay them (so lost nothing), best case you win because they don't have a proper letter of authority. I'd speak to the LO anyway just to check if they consider your electronic signature to be enough to proceed given there was no paper contract signed.
http://www.legalombudsman.org.uk/cmc/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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I do find it amazing that an electronic signature can be placed onto a different document and that is then a legal document / contract. You would like to think with the amount of fraud going on on-line the Halifax would have checked with me before proceeding.0
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