Cancelled claims company but still invoiced

frontrow

Hi, I contacted a claims company (Allay) in early May but later decided to not use them and sent an email and letter asking for them to cancel the contract.


Since then I have received emails saying "things" are progressing and to every one of these I have replied that I wish to terminate their services.


Lloyds have just made a refund directly to me and now Allay have sent me an invoice for £3k claiming to have done the work.


Where do I stand on paying this? I am quite happy to go to court and produce these emails as proof of my intention to terminate their services.

[Deleted User]

What were the terms of cancellation?

[Deleted User]

frontrow wrote: »

Hi, I contacted a claims company (Allay) in early May but later decided to not use them and sent an email and letter asking for them to cancel the contract.

How much "later" did you send the initial cancellation request?

If the complaint was already submitted to the Bank and was awaiting a decision, it's unlikely that the legally-binding contract you signed would allow cancellation at such a late stage.

You need to check the cancellation terms on your contract, but it sounds like you tried to cancel far too late.

If you don't pay their fee, the firm will certainly chase you through the courts for it, but your evidence of making a cancellation request will not be accepted if it was sent too late in the day..

frontrow

Contacted them on 02/05 and requested cancellation on 07/05 and they have just ignored these requests and carried on.

Rainbowgirl84

frontrow wrote: »

Contacted them on 02/05 and requested cancellation on 07/05 and they have just ignored these requests and carried on.

What did the T & C's you agreed to say about cancelling?

frontrow

Have to say I don't remember the T&C's regarding cancellation - if I ever read them.

Will try and find out.

[Deleted User]

frontrow wrote: »

Have to say I don't remember the T&C's regarding cancellation - if I ever read them.

Don't ever admit that in court, of course.

If you no longer have a copy of the contract terms and conditions you should find them on the firm's website or you can request they send you a hardcopy...

antrobus

frontrow wrote: »

Contacted them on 02/05 and requested cancellation on 07/05 and they have just ignored these requests and carried on.

This should be of some use;
https://www.allay.co.uk/terms-conditions/

From the point we submit your complaint, you have a 14 day cooling off period during which you can cancel your contract with us. If at any time during the 14 day cooling off period we obtain an offer of compensation for you, our normal fee will be payable.

By my calculation there are at most 6 days between 02/05 and 07/05. Their fee would only be payable if they'd obtained some redress within those few days.

frontrow

Thanks for the input, they are claiming that as they had submitted the paperwork the following day then the "process" had started from that moment and could not be cancelled even though an actual offer had not been obtained.

[Deleted User]

frontrow wrote: »

Thanks for the input, they are claiming that as they had submitted the paperwork the following day then the "process" had started from that moment and could not be cancelled even though an actual offer had not been obtained.

Make a formal complaint in writing to them then. They'll have eight weeks in which to consider your concerns after which you can refer the complaint to the Ombudsman if they don't respond to your satisfaction. CMCs are now fully regulated, so you are unlikely to have to attend court. Just be sure to emphasise that your cancellation request was well within the 14 day cooling off period allowed by their contract terms and conditions..