New Post Advanced Search

Coronavirus: The latest from MSE


The MSE team is working extremely hard to keep the info we have about your travel rights, cancellation rights, sick pay (and more) up to date.
The official MSE guides: UPDATED MSE Coronavirus Guides

NEWSFLASH


New, free ‘Academoney’ course from MSE and the Open University launches
All the key areas of personal finance are covered, so that you can master your money decisions


Fast track reclaim

24 replies 652 views
Lara_hill81Lara_hill81 Forumite
1 posts
MoneySaving Newbie
Hi looking for advice. In July last year we did a free PPI check with fast track reclaim. It said you got your results and then it was up to you whether you proceeded through them. We got results back and they sent us loads of paperwork. One was a letter of authority and a questionnaire. We didn't complete any of it. Now the bank we are with took this initial check as a ppi claim and sent us the money. The fast track company have now sent an invoice for 24% of it. Do I have to pay them this when I didn't complete any of the paperwork and authorise them to proceed?
«13

Replies

  • BrowntoaBrowntoa Forumite, Board Guide
    46.6K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭
    Not if they cannot give you a signed copy of the contract
    Links in my signature currently broken
    I'm the Board Guide of the Referrers ,Telephones, Pensions , Shop Don't drop ,over 50's , Boost your income and Discount Code boards which means I volunteer to help get your forum questions answered and keep the forum runnning smoothly .However, please remember, board guides don't read every post. If you spot an inappropriate or illegal post please report it to [email protected] Any views are mine and not the official line of MoneySavingExpert.
  • MoneyineptitudeMoneyineptitude Forumite
    26.6K posts
    Eighth Anniversary 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭
    Check the terms and conditions of the "Free" PPI check you agreed to. 

    However, without a full authority to proceed,  the Claim Company  are chancing their luck by billing you and I'd be challenging their right to  a fee in the circumstance. 

    Write a formal complaint detailing the fact that the Bank converted the enquiry into a complaint without the involvement of the Claim Company who had no signed authority from you. 

    Wait eight weeks and if you receive no reply (or a reply you are not satisfied with) and you can then refer the case to the Ombudsman.. 
  • Rockstar1972Rockstar1972 Forumite
    12 posts
    10 Posts
    MoneySaving Newbie
    I'm having a similar experience with Fast Track Reclaim. I did their free PPI check last August but soon decided I didn't trust them and signed up properly with a different claims company. Ignored all of Fast Track's further communications seeing as I hadn't asked them to do anything for me. Then earler this year I receive lots of emails from them telling me I have PPI to claim and to fill in a questionaiire to claim it. Then they sent forms through the post, which I ignored. I now have received a cheque from one of my lenders with Fast Track named as the claims company! Going back through my emails it seems they have a form with what's obviously an electronic signature (looks like mine written with a finger on a screen) and dated in pen on paper (not my handwriting!). That is called a 'Letter of Authority' apparently and was supposed to be posted back. I definitely did not send them anything through the post! The signature they have is electronic and the date handwritten and not by me! I've told them to leave me alone as I didn't authorise them to do anything for me; so we'll see what happens. I have no problem in paying a company if I've asked them to do it for me but I haven't asked them, I've asked a different company, who presumably at some point will want their cut too!
  • dunstonhdunstonh Forumite
    101.1K posts
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    ✭✭✭✭✭✭
    I've told them to leave me alone as I didn't authorise them to do anything for me; so we'll see what happens. I have no problem in paying a company if I've asked them to do it for me but I haven't asked them, I've asked a different company, who presumably at some point will want their cut too!

    Claims companies are now regulated by the FCA.  So, you have the right to complain to the claims company and refer it to the FOS if necessary.     Although I suggest you do not use another claims company to do this as the regulated complaints process remains free of charge to use and the success rate on personal complaints is higher than claims companies.

    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • brettctabrettcta Forumite
    4.3K posts
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    ✭✭✭✭
    Re the date, they use fonts which are supposed to mimic handwriting 
    helpful tips
    it's spelt d-e-f-i-n-i-t-e-l-y
    there - 'in or at that place'
    their - 'owned by them'
    they're - 'they are'
    it's bought not brought (i just bought my chicken a suit from that new shop for £6.34)
  • Rockstar1972Rockstar1972 Forumite
    12 posts
    10 Posts
    MoneySaving Newbie
    Yes, I have looked into that part of it re the handwriting. The cheeky buggers, it's such a lame trick to make the bank think you've signed and dated it and lazy of the bank not to think more of the fact that the sig in no way match. I didn't sign those forms, I think I may have signed their webpage to get the free check and they've lifted the signature and placed it on the LOA forms. I've discovered the pdf is unlocked, all editable and extremely insecure. I have made a formal complaint to them with all this detail but they are still chasing me for their fee. I expect a letter inviting me to court soon.
  • brettctabrettcta Forumite
    4.3K posts
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    ✭✭✭✭
    Their small print often gives them permission to raise a complaint, so they’ll just point to that
    helpful tips
    it's spelt d-e-f-i-n-i-t-e-l-y
    there - 'in or at that place'
    their - 'owned by them'
    they're - 'they are'
    it's bought not brought (i just bought my chicken a suit from that new shop for £6.34)
  • Rockstar1972Rockstar1972 Forumite
    12 posts
    10 Posts
    MoneySaving Newbie
    They can check for PPI, but I'm not sure they can go on to raise a complaint without signed LOA forms ? Why would they 'build' them with my signature on if they didn't need them?
  • MoneyineptitudeMoneyineptitude Forumite
    26.6K posts
    Eighth Anniversary 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭
    They can check for PPI, but I'm not sure they can go on to raise a complaint without signed LOA forms ? 
    You've already done all you can currently do by making a complaint. If they don't respond after eight weeks or any response you get is not a satisfactory solution you can then refer your concerns to the Ombudsman. If they continue to chase their bill inform them that you are withholding payment pending the result of your complaint. 
  • Rockstar1972Rockstar1972 Forumite
    12 posts
    10 Posts
    MoneySaving Newbie
    I imagine they'll just reject my complaint (why wouldn't they?) and I'll be complaining to the Ombudsman (I have already packaged up my evidence). They've told me they'll be continuing to chase their fee even though I've made a formal complaint so I'll be getting a court invite soon I expect... 
Sign In or Register to comment.

Quick links

Essential Money | Who & Where are you? | Work & Benefits | Household and travel | Shopping & Freebies | About MSE | The MoneySavers Arms | Covid-19 & Coronavirus Support