Claims company did not have my authorisation

Dumtidum

I just tried to post this and it disappeared. I’m sorry if it’s posted twice.

A while ago, I ended up giving a CMC my details as they were calling me all the time and I just gave in. However, I then didn’t bother signing and returning the forms they sent me. The form was to confirm details were correct and to give them authorisation to act on my behalf.

I recieved a letter from lloyds saying they’d recieved a complaint on my behalf from the CMC but as they (the CMC) didn’t have authorisation to act on my behalf, Lloyds would communicate with me directly.

Great! I thought. And this spurred me on to get my act together and contact other providers too.

Lloyds wrote to me recently to say they were giving me £1300. The CMC text on the same day to say the same thing- I don’t know how/why they were updated.

Now the CMC are pursuing me for their share of the money. If I never signed the forms and never gave them official authorisation to act on my behalf then do I really owe them the money?

Thanks in advance for any thoughts.

-taff

Which cmc and when.


You can check if they are registered with the FCA.

Dumtidum

The company is Help Your Claim.

I think they’ve been cold-contacting me for over a year. They kept sending and re-sending forms, going quiet for a few months, then popping back up again.

I gave them the details about my Lloyds credit card a few months ago. Lloyds wrote to me in June (the letter I mentioned above) and then I got the news that the claim was successful about a week ago

brettcta

-taff wrote: »

Which cmc and when.


You can check if they are registered with the FCA.

Dumtidum wrote: »

The company is Help Your Claim.

I think they’ve been cold-contacting me for over a year. They kept sending and re-sending forms, going quiet for a few months, then popping back up again.

I gave them the details about my Lloyds credit card a few months ago. Lloyds wrote to me in June (the letter I mentioned above) and then I got the news that the claim was successful about a week ago

You’ve answered your own question - it looks like they did have authorisation. You’ve probably signed a letter of authority, hence they’ve billed you accordingly.

Ask them for a copy and you’ll see what they have your scribble on. My money’s on a valid letter of authority

Dumtidum

I will ask to see what authorisation they have, that’s a good idea.

I just don’t see how they can have my signature anywhere when I’ve not signed or returned their form?

In essence, this is what happened:
They cold called to say “did you have a credit card?”
I said, yes, with Lloyds. They said they would file a PPI claim. I said ok. Bye. [i summarise!]

Then they did call me again to tell me they needed my signature and would send me a form to sign and return. I received the form and didn’t do anything with it. It’s here on my desk, unsigned.

Then I got a letter directly from lloyds to say they were going ahead with investigating the claim but would communicate only with me directly because Help Your Claims did not have a valid letter of authorisation from me to allow them to work on my behalf.

I’ve not communicated with HYC since but they are texting and writing letters asking for £300.

brettcta

In that case then, as Lloyd’s don’t have a valid LOA on file, they shouldn’t have sent HYC a copy of your final response letter.

I’d be contacting Lloyd’s to find out what they’re up to and make a complaint.