PPI fee

disneysmk6

Hope you can advice me.
Last year I applied for a free PPI check on a social media I think.. then forgot about it.
I think I received a text from the company saying they hadn't forgot about me n will look into my claim soon. Recently I got a letter from Lloyds bank saying I would be getting a refund ..The companys name was on the letter too....I got the money then I had a text yesterday saying this company needed the fee paying.
 I havent had any emails or anything to say that I would need to pay them.
I don't remember  signing anything.

 

brettcta

You didn’t get tied up with Ingenious Legal from this website, I can assure you of that, it’s likely come because you’ve filled in a ‘free PPI check’ via an advert on social media.

ask for a copy of the agreement you’ve signed and that’ll show the electronic signature you provided via your phone/tablet screen.

it’s likely you’ll have agreed to use their ‘services’ and will therefore be liable for any charges. If you can’t afford to pay them, you’ll need to see if you can get them to agree to a payment plan as the one thing CMC’s excel at is litigation via the courts to get their money.

disneysmk6

The thing is I thought it was from this site, but like i said I can't really remember where I clicked the link?
What worried me was that contact was via text only.....n me not thinking didn't keep the texts, so I don't have anything to look back on.....is mycrs.co.uk legit?

[Deleted User]

Just contact them directly.

Fist rule of the digital world - never click on links you're not 100%sure about.

disneysmk6

I just feel so stupid......my head is All over the place since I lost my husband in 2018....oh well I will pay n just put it down to hard lesson learnt ....
I won't do it again 😫

-taff

Ask them for a copy of your signed contract first. See what they come back with.

disneysmk6

Please ignore all sorted

disneysmk6

How do you delete a thread or post that I know longer want on here?

[Deleted User]

You don't.

dunstonh

You post your outcome and let others know what you did and what happened.  That way other people benefit.   

Johnv156

Not the longest ever thread resurrection, but I have been involved with this firm for about 4-5 weeks, now.
I (fully) accept that I went onto their site (via a link via Facebook).  I did begin to complete the form, including giving an email address, a few of the accounts I had had (be they loans, credit cards, or accounts).  However, I decided not to continue and I did not sign anything (difficult to do anyway on a smart phone, no matter how smart [to actually do your signature on a line, that is]).  This is all from August last year.
Now, in my mind (which perhaps is flawed and is why I am here asking), crucially nothing came to my home address within the 14 day period (something I will come back to) and so I was surprised when, as I mentioned, I received an email from Ingenious saying that I should shortly hear from a number of the firms they had written to 'on my behalf'.
I emailed back and mentioned that whilst I had been to their site, I remained adamant that having a) not signed anything at the time (I liken it to an abandoned sale on Amazon.  You browse for an item, put it in your 'shopping basket' but then don't complete the order), and since I had not had anything in writing offering me a 14 day 'cooling off' period, I stated that I had no relationship with them.
Now, three things have happened.
1)They sent me a cheque being the balance (minus their  'fee') from one loan provider for PPI - to which I emailed them back and (again) stated I had no relationship with them and that I wanted to begin a complaints procedure.  
2) They provided a set of documents and a statement which confirmed (and which I do not deny), that I went on their site and agreed to them providing me a service.  However, (and I believe), crucially - they also provided two forms with supposedly my signature on.
Now, would not be (I am sure) the first to say that is not my signature - but it isn't.  It looks like the modern day equivalent of an 'X' - and given my signature is a fairly legible form of my full name, the two are definitely 'chalk and cheese'.
3) Having received a cheque from another company with whom I had a credit card I have also received an email from a debt recovery firm. 
So Ingenious appear to have ignored their own process for investigating a complaint and moved straight to the strong arm tactic of employing a debt recovery firm.
A long first post - so my apologies - but worth the fight, or accept I have had some extra money and should expect to give some of it away?
Thank you!