Suggestions for a PPI Claims Company

-taff

Like I said, post up the firms that you don't know who owns them and we'll tell you who owns it now.

Bermonia

To be fair you’ve already spent more time and effort on this thread than it would have taken you to merely submit the claims yourself.

The overriding consensus is don’t use CMC’s, they genuinely do not make things any easier - as already stated you would have to supply them with all the information and numerous completed forms (in excess of any you would be required by doing this yourself) - you will then be pestered repeatedly by them for further information plus in all likely hood your details will be sold on for marketing purposes (another way these firms make their money) this resulting in additional stress from cold calls - and for all YOUR hard work if there is any redress they will take a fair old chunk of it.

You are under this delusion that CMCs take the ‘hassle’ out of complaining... this simply is not true I am afraid.

You also appear to be umbrage with the advice you are receiving, the overwhelming advice is and still remains DIY!

Ultimately it is your choice and if you do decide to utilise a CMC then go ahead and do so... you do not require anyone’s blessing and there are plenty of the leaches out there!

I would wish you good luck, but I am afraid you will need more than just luck.

Nasqueron

Alloneword wrote: »

I may have a brain injury but i'm not thick i understand that perfectly that is why i said our financial situation is complicated, i refer to old debt meaning old loans etc we may have had not that we owe money to people as we don't.


Is that not my choice? very few of you are putting yourself in my shoes, i understand that any CMC will charge but i'm in a situation here of getting something back (via a CMC) or nothing as i cannot deal with this issue now since i have had my stroke, i could well go to the CAB but being on benefits and just had help from the CAB with my PIP application i know how busy they are with UC & PIP applications and i feel people on UC or PIP or more deserving than myself, sorry for for spelling.

All1

You need to understand the simple fact:


Your financial data / history is NOT IN THE PUBLIC DOMAIN


That means that if you don't remember who you had finance with, your case ends because there is no way for a claims firm to find out this information because it's not listed anywhere (mortgages being the exception). If you can remember who you had finance with, you can start the process directly simply by sending them a letter asking if you had PPI by providing them your name/address from the time and any details you do recall.


With debts, you need to understand that a CMC charges you regardless of what you actually get in your pocket e.g. if you got a refund of £10000 but all was offset against unpaid/written off debts so you received £0, the claims firm would demand £2400 off you even though you didn't receive a penny.

[Deleted User]

Alloneword wrote: »

Is that not my choice?

Of course it's your choice. However, it is also against forum rules for you to encourage SPAM by asking for recommendations.

If you must use a Claim Management Company, then use a pin and the Yellow Pages to choose because they are all as bad (good?) as each other.

However, please don't come back (as so many have) in a few month's time complaining about the high percentage of your redress they have charged you.

Just out of curiosity, in 2017 you started a thread about claiming PPI with Asperger's Syndrome, how did that pan out?
https://forums.moneysavingexpert.com/discussion/comment/72960594#Comment_72960594

You've also told the forum you had a DRO in the past. How did that PPI complaint go?

Bermonia wrote: »

you’ve already spent more time and effort on this thread than it would have taken you to merely submit the claims yourself.

Agreed.

The End.

Alloneword

Moneyineptitude wrote: »

Of course it's your choice.

Well at least we can agree one that

Moneyineptitude wrote: »

If you must use a Claim Management Company, then use a pin and the Yellow Pages to choose because they are all as bad (good?) as each other.

Have you seen the Yellow pages lately? it's only about 4 pages long nowadays,anyway as for putting a pin in it not my cup of tea which is why i asked for suggestions to get feedback on how others got on. NOT spamming IMO anyway, IMO spamming would be posting on here saying i work for xyz company come and use us were better than abc etc, anyway i trust you know the rules here better than i do so i take your word for it but so far i have not got any formal warning so i presume i'm doing ok.

Moneyineptitude wrote: »

Just out of curiosity, in 2017 you started a thread about claiming PPI with Asperger's Syndrome, how did that pan out?
https://forums.moneysavingexpert.com/discussion/comment/72960594#Comment_72960594"get with it" but being in my shoes right now is not a very comfortable place

Moneyineptitude wrote: »

You've also told the forum you had a DRO in the past. How did that PPI complaint go?

I did & do but will be finished some time this month, which is why i have also posted about clearing up my credit file, i'm sorry i don't see the relation between PPI and DRO, have i missed something?

Moneyineptitude wrote: »

The End.

Sorry i raised it again.


-taff
The main people we owed money to who have been taken over by some other company are "solution finance" "Cabot Financial" there was a store like argos called "Littlewoods or Index" i'm not to sure they may have even been linked, also CL Finance, SkyCard, a company called LPF we have no idea what that stands for but i have more paperwork to go through, i think there may have been one or 2 others but i'm going through my hard drives now to try and find old paperwork i scanned in years ago but i have alot to go through my organizational skills are not what they used to be, hence why it has taken me so long to reply to this thread again as i had forgotten about it, i suspect most have been taken over by Visa or Barclarycard

All1

Nasqueron

Visa do not take on credit card companies, they provide the processing services. With a bit of searching on these forums you can often find where cards ended up but if debt firms are involved it's a bit different - you would still complain about the PPI to the seller but they may simply agree and offset it against the old debts

-taff

Solution Finance and Cabot FInancial are collections firms, and won't have been the original creditors. That goes for CL Finance alo and LPF, who could be Lowell Portfolio. They are all debt collectors and not the original credit company.
It looks like all of your debts ahve been passed between these firms. If you are currently on a DRO, what you could do is request a CCA from any firm you are stil paying money to. Due to the age of the debts [ as the fact they seem to have been pased around] they may not be able to provide one. If they can't, the debt becomes unenforceable and you can legitimately stop paying them.


You need to find the paperwork which mentions the original credit firm, not the debt collectors these debts passed to.


Littlewoods, you can complain here
https://www.littlewoods.com/help/en/online-help-system.page#help-contact-us?PPI%20Complaint


Skycard, complain here
https://bank.barclays.co.uk/olb/authlogin/contactUsContainer.do#/ppi?complaint=true

[Deleted User]

-taff wrote: »

Littlewoods, you can complain here
https://www.littlewoods.com/help/en/online-help-system.page#help-contact-us?PPI%20Complaint
Skycard, complain here
https://bank.barclays.co.uk/olb/authlogin/contactUsContainer.do#/ppi?complaint=true

OP wants CMC recommendations, not who he can complain to directly.

The end (again).

Alloneword

-taff many thanks for your reply, so it would seem i'd be barking up the wrong tree looking towards Solution Finance and Cabot FInancial which is a shame but i know we had some argos and Barclaycard stuff, also thanks for the links to skycard and littlewoods that is a great help :beer:

Someone mentione about any claims being wrote off against debt i don't know how that stands with a DRO just finished i don't know if we would have to pay back or not.

One thing i would say is i find it very sad the reaction i have got here not so much for asking for a CMC but lack of understanding how a brain injury can affect someone's way of thinking and understanding of things, it's just a sign of how the world is i guess and all i can say is i hope none of your loved ones get hit with any form of brain injury it does make you look at life in a different way weather you want to or not :sad:

Thanks everyone who did try to help me out a bit.

All1

[Deleted User]

Alloneword wrote: »

Someone mentione about any claims being wrote off against debt i don't know how that stands with a DRO just finished i don't know if we would have to pay back or not.

Might be wise to ask your DRO provider.