PPI fee

Mer4cat

disneysmk6 said:

Please ignore all sorted

Can I ask what happened?
I have just received a letter from Shop Direct Finance Company thanking me for correspondence re my PPI claim, when I called them to say I had not contacted them they said the claim had been lodged on my behalf by Ingenious Legal - never heard of them! I trawled through emails, call logs etc to see if I had any from them - nothing.
 Shop Direct said they are receiving a lot of calls from ppl who are not aware they have instructed this company. They gave me the contact no and when I spoke with someone she said I too had apparently clicked on a link with them via social media back in July 2019. No contract or any kind of contact confirming I had signed up with them was ever sent to me.
 They are now sending out the supposed contract with their terms and conditions but as it is now 1 year later I have missed the ‘cooling off’ period!  Unbelievable that they can operate in this way!  The company director is one young lawyer, set up in Dec 2018....just in time to catch the final PPI claimants I reckon. Any advice would be good thanks

brettcta

You’re well beyond any cooling off period, especially if an offer’s been made.

wait to see what you get from them and go from there. 

Hasbeen

disneysmk6 said:

Please ignore all sorted

It is so great, when a new OP asks for advice on this site, gets said advice and gets the problem sorted.

Perhaps not so great, that they then refuse to help others in similar situations by divulging the solution / outcome.
And then asks for their thread to be deleted?   


 

Mer4cat

brettcta said:

You’re well beyond any cooling off period, especially if an offer’s been made.

wait to see what you get from them and go from there. 

They haven’t made any offers, and admitted they had not found anything, in fact they were not aware that the Shop Direct Finance Company had found a policy and seemed surprised that I had been notified about it directly. The so called contract has come through, the signature is pretty illegible and the date has been put in separately in a different font. I have asked Shop Direct to only correspond with me atm and they have agreed to do that, will wait and see what happens.

brettcta

Mer4cat said:

brettcta said:

You’re well beyond any cooling off period, especially if an offer’s been made.

wait to see what you get from them and go from there. 

They haven’t made any offers, and admitted they had not found anything, in fact they were not aware that the Shop Direct Finance Company had found a policy and seemed surprised that I had been notified about it directly. The so called contract has come through, the signature is pretty illegible and the date has been put in separately in a different font. I have asked Shop Direct to only correspond with me atm and they have agreed to do that, will wait and see what happens.

I don’t mean an offer from the CMC, I mean the lender. Regardless of telling shop direct to stop corresponding with them, you can expect a bill for ‘hours worked’ to follow soon.

sourcrates

As one previous poster pointed out, never click on links you are unsure of, as doing so has obviously obligated you to use their service, now as to the legalities of this process, i wouldn`t think they would have a leg to stand on, under the consumer rights act -

"If you entered into the contract over the phone, online or on your doorstep, you have 14 calendar days to cancel the contract under the Consumer Contracts Regulations. The cooling-off period starts the day after you agree to go ahead with the service".

The fact they go straight to the default position of debt collection, confirms this.

If you get caught out like this, then do not panic, you can write and deny you agreed to them acting on your behalf, a debt collector that does not own the debt they are chasing has no case in law, so they can be ignored, or sent scurrying away with one letter.

They will not get legal with you, as they have not complied with legislation, although threats of such action would probebly come fast and furious, hoping you are unaware of your statutory rights, infact you should welcome your day in court, write to them and positivley plead with them to start legal action, they will not do so, as there terms and conditions fall foul of UK consumer rights legislation, my thoughts are they are a fly by night company having known the PPI deadline was coming, and gone all out on social media to make as much money as possible as quickly as they can, then do a midnight flit, and remain unacountable for it.

Buyer beware pretty much says it all.

pops74

I am in the same situation- did u resolve it?? 
Only correspondence has been a text demanding payment.
They have threatened debt collection agency now (via text) so I rang to ask what it was about - they are sending me copy of my contract but also said my case was closed so Couldn’t pay, am unsure if it’s closed as it’s been passed to debt collection but am awaiting a copy of the contract I clicked on. I explained I may well have filled something online but surely should’ve had some correspondence Via post or at least email and not Just texts demanding payment!
Will wait and see if I get a copy of what I instructed them to do but would rather not have debt collection knocking my door if that has been escalated by them.

Johnv156

sourcrates said:

As one previous poster pointed out, never click on links you are unsure of, as doing so has obviously obligated you to use their service, now as to the legalities of this process, i wouldn`t think they would have a leg to stand on, under the consumer rights act -

Buyer beware pretty much says it all.

The problem with this advice, with all due respects, is that you may intend to click on a link, you may intend to start filling out your details, but then you (as is your right) change your mind.

If an unscrupulous firm then use this partially completed form to carry out work, purportedly on your behalf, (and having NOT sent you the notice of cooling off period), then you are damned by ignorance - i.e. you did not complete the transaction (although accept you started it), but the latter should not create the former.
So, 'buyer beware' and do not click on links - are at best poor advice if you are dealing with companies (or individuals) who are not themselves concerned with the law. 

[Deleted User]

Johnv156 said:

So, 'buyer beware' and do not click on links - are at best poor advice if you are dealing with companies (or individuals) who are not themselves concerned with the law. 

That makes no sense whatsoever.

It is in fact the best advice, when you are dealing with companies who don't concern themselves with the law, as it avoids the very problem you describe.

Johnv156

Err, how are you supposed to know prior to clicking a link?
Love the foresight you have though.  If you can bottle it, it would sell brilliantly.