Unfair relationship payments

daviesboi

Hi all. About a year ago I applied for a ppi claim through a company called consumer claims. The claim was against black horse who financed a motorcycle.  Consumer claims tried to claim ppi back but to no avail.  They wanted more info on the loan etc, account numbers etc,which I could not provide as the loan was taken out in 2006. I have no info on the loan so consumer claims were unable to claim ppi. I have just recieved a letter from black horse stating they are unable to review my ppi mis-selling complaint as they did not hear from me or the company who sold me the motorcycle.  They have assessed whether the non disclosure of the level of commission and profit share has created a unfair relationship. So, it also states although they are not responsible for investigating the mis-sale of ppi they were responsible for the loan. And as concluded, an unfair relationship was created..to put things right they are sending out a cheque for just over a grand. Happy days, the very next day I recieved a letter from consumer claims stating I got to pay them £431.80. A 39% fee of settlement.  So my question is, do I have to pay them anything?  Especially at 39%. They never managed a claim for my ppi as I could not provide details of the loan. Or are they pulling a fast 1?. The letter came straight from black horse themselves and so did the cheque. They have also Informed consumer claims about the payment. Now they are demanding I pay. Thanks all.

[Deleted User]

You'll  need to pay them the fee you agreed to in the contract.  It sounds like you signed up during the unlimited fees era, before the cap came in.  

While that's unfortunate, they put in all the effort of scribbling down a few words of your complaint and then doing nothing more, for which they need to be paid.

SonOf

The cheque would come direct from Black Horse as they were handling the complaint.   The claims company do nothing after they submit the complaint.  They just sit back and wait for the outcome.   That is all quite normal.