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Fast Track PPI

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Problems with FTC.  Went onto web-site for free no obligation PPI check in summer of 2019, and did automatic signature for this, submitted form which the disappeared,  No copy was sent to me at home, and the web-site later seemed to disappear.  Few days after going on to the site I sent an email saying they had no authority to act on my behalf, but they say they never received this.  After my email, I did not talk to them on the phone, received no emails from them (they say they sent them), and did not receive any letters at home.  Thought I was done with them, but early in 2020 after receiving a PPI payment, I soon got a letter from FTC claiming a %.  I did all of this myself so of course do not think I should pay.    Ignored their letter but got other communications threatening legal action.  In July 2020 they phoned to say they had not forgotten about me and were now doing PPI claims for me - expected me to be pleased, but I did not want to be locked into this company.  Followed complaints procedure - first to them about payment for Barclays and letting them know I did want any further connection with them on other PPI claims.  They did not uphold my claim on Barclays, and more or less overlooked the latter point,  At this point for the first time they sent me the form I signed, with a second page of terms and conditions.  First time I had sight of this.  From this it appears that FTC can do no work, and still get paid and can do pretty much what they want with regard to PPI.  Now on to making complaint to Ombudsman, though not optimistic about this as FTC are are large company with a legal department.  Having recently lost my mum, one part of me thinks 'pay them' to get them out of my life, but they are not addressing the fact that I do not want to have further contact with them, so feel I have to formalise complaint to address that issue.  Really scarey thought of being chained to a company I want nothing to do with -  against my will.  Is this legal?  And has anyone else had success with complaining about FTC, or to the Ombudsman more generally?

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  • dunstonh
    dunstonh Posts: 116,885 Forumite
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     Now on to making complaint to Ombudsman, though not optimistic about this as FTC are are large company with a legal department. 

    The whole point of the regulated complaints process is that it does not use the legal system.   Banks are large companies.  FTC are not.  Size does not matter (insert joke!)


    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.
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