Ingenious Legal

[Deleted User]

IP addresses don't change as much as they used to, sometimes you have unplug a router and leave it off a week and have the same IP when you get back, the IP won't be proof alone that you signed up to something as there are ways around it anyway e.g. VPN 

dunstonh

Alpine_Star said:

dunstonh said:

Clicking the link entered you into a contract. Signatures are not required.

That's wrong, a signature is absolutely required.
FCA CMCOBS says:

’The signature should be on a hard copy of the agreement which may be given or posted to the firm, else sent by fax, or scanned or photographed and sent electronically. Alternatively, the customer could insert a digital image of their handwritten signature into an electronic copy of the agreement before returning the agreement to the firm by email.

Distance selling regulations also require a signature and that a copy of the signed agreement is provided in a durable medium along with a cancellation form.

I thought that was the case too and have previously said as much.  However, there have been FOS decisions that have accepted the electronic method.    

cazarmstrong

Thanks for the responses i only checked the ip address as ingenious told me to i assume that they were hoping i wouldn't manage this and would just pay the i voice but i'd never heard of them until I found an invoice in my spam folder.  If i had instructed them to act for me I'd happily pay but i haven't.  I did several years ago instruct a company but they never recovered anything and i physically signed forms.  I've raised a complaint with the company and will happily go to the regulatory  body if i have too it scares me that companies are able to do things like this.

brettcta

As per earlier posts in this thread, did you sign up for a ‘free PPI check’ via an advert on social media? Chances are that’s how they have your details and authorisation.

sourcrates

Never click links in adds for claims management companies is the lesson here I think.

cazarmstrong

No never signed up to anything on Facebook like i said the only company i did sign with i signed hard copies of papers.  They contacted me by phone cold calling at a time i was thinking naybe i should look into this.  It must have been at least 2 years ago and i got correspondence from them that they hadn't recovered any  money.  That was the end of my enquiries, whats really strange is i apparently signed with ingenious on the 31st july 2019 i'd already had this looked at with no sucess so i wouldn't have attempted again especially not through fb.  I work with online services and I dont even open the majority of junk mail incase it is dodgy.  Im going to contact my bank tomorrow to find  out what they were sent from  ingenious as I'm now concerned my bank may have disclosed personal information about me without my permission.  Im starting to think this company has bought personal data and just submitted a load of claims to try and get money out of people.  If id instructed them and signed papers I'd pay their invoice but i know i haven't as the company i dealt with sent hard copies of everything and i only signed one set of papers.

Alpine_Star

dunstonh said:

Alpine_Star said:

dunstonh said:

Clicking the link entered you into a contract. Signatures are not required.

That's wrong, a signature is absolutely required.
FCA CMCOBS says:

’The signature should be on a hard copy of the agreement which may be given or posted to the firm, else sent by fax, or scanned or photographed and sent electronically. Alternatively, the customer could insert a digital image of their handwritten signature into an electronic copy of the agreement before returning the agreement to the firm by email.

Distance selling regulations also require a signature and that a copy of the signed agreement is provided in a durable medium along with a cancellation form.

I thought that was the case too and have previously said as much.  However, there have been FOS decisions that have accepted the electronic method.    

What ''electronic method''? Clicking a link? I don't think so.

[Deleted User]

Johnv156 said:

suggesting those of us who clicked on a link basically were 'banged to rights'.

I don't think that was quite the phrase you were looking for...! 

casiodan

so I’ve just had a letter from an old loan company saying they are ending me some money from my ppi claim. I’ve had nothing from IL saying how much I will owe them. How much are they charging. I’m worried I’ll end up with a bigger bill than the money back.     I don’t remember signing up to anything and certainly don’t remember anything about paying fees. 

AnnieLouisa

I have recently received a bill from IL. Never heard of them until now. I have asked for a copy of my agreement which they emailed to me today. There is a signature, which isn't mine and they told me which device I had used to sign up with and they said it was via facebook. I have now asked them where they have got their information from as it mentions a forwarder in the agreement. I feel sure that this can't be legal.