Fees issue

Seagray28Seagray28 Forumite
2 Posts
First Post
MoneySaving Newbie
I made a PPI claim for my husband and within that, my details were asked for.  I didn't realise it was a joint claim or expect a claim as I had one for £1300 several years ago. I thought it was to look at joint accounts etc.   He got a successful claim but when I went to pick up the cheque from our old address July 2020, there was a cheque for me too for over 3k.  But I never received any emails saying what it was for. (I didn't realise it was a joint application). I did receive emails for his claim though. 
I kept that money for 9/10 months incase they came for a fee. We paid my husband fee as I was sent an invoice.
Anyway, in May this year I get an invoice for over £900.  I no longer have that money.
I chased up the claim and the agency said they only just confirmation from HBOS of a successful payout recently but HBOS confirmed that they have closed my case 6 months ago, so they must have sent the confirmation in order for them to close my case
So here I am with a bill for over £900.     I am willing to pay, but I'm receiving letters about legal action. Surely after almost a year, they can't come for the payment or at least they must allow me to pay it up?   10 months I saved a portion of that money incase someone invoiced me (didn't realise it was the same company)
Any advice?

Carol

Replies

  • brettctabrettcta Forumite
    4.6K Posts
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
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    They have 6 years to chase your for payment and trust me, whilst claims
    management companies do the absolute bare minimum, they excel at pursuing what you owe them. 

    CMCs have a proud history of taking people to court at the earliest possible opportunity and they won’t hesitate in doing the same to you. Contact them, explain the situation and hopefully they’ll let you set up a structured payment plan.
    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)
  • dunstonhdunstonh Forumite
    106.7K Posts
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
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    Surely after almost a year, they can't come for the payment or at least they must allow me to pay it up? 

    As mentioned above, 6 years is the general time for safety.  CMCs often find out many months or even years about payouts.

     10 months I saved a portion of that money incase someone invoiced me (didn't realise it was the same company)

    Sorry to be blunt but you really need to improve financial affairs and awareness.   You say you didn't realise it was the same company after saying you didn't realise you were entering a contract (despite your details being asked).   You were missold PPI.   If you keep this up, you are just going to go through life being scammed and ripped off.

    If you don't have the money, then tell the CMC and ask for a payment plan.  They will typically do a year.

    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.
  • Seagray28Seagray28 Forumite
    2 Posts
    First Post
    MoneySaving Newbie
    Disappointed in the responses here, but perhaps I didn't give enough detail.
    * We received husbands payment.. We paid the fee, because PPI company sent emails and invoices. 
    * I received no notification that any claim for me had been successful, just a cheque, that was discovered by accident. 
    * I spoke with PPI company about both cheques, but they couldn't advise about mine as the account was in husband name
    * emails came re husbands successful claim, but nothing for me until May 2021
    * PPI company claim they only heard about successful claim for me in May this year via a spreadsheet. 

    * HBOS claim they wouldn't have closed my claim without informing PPI company, but PPI claim differently. 

    * Therefore PPI now, quite rightly, want money. 
    * Filling in an online form for my husband where it asks my details, does not necessarily indicate that I am ignorant or aware I'm entering into a contract.   These forms look for partner details incase there's any joint accounts
    * I have no issue with paying in a payment plan, I'm just avoid it might incur additional fees that aren't my fault. 


  • edited 14 June at 5:13PM
    brettctabrettcta Forumite
    4.6K Posts
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    ✭✭✭✭
    edited 14 June at 5:13PM
    Whether you’re disappointed in the responses is neither here nor there, given the information you provided they were factually correct.

    did you sign a letter of authority in your name giving the CMC authority to act on your behalf or just on your husbands (maybe it was a joint LOA)?

    if you’ve signed something then as mentioned above, time delays are irrelevant as they have 6 years to chase you for their slice. If they have nothing signed from you, then they have no right to charge you for your half of the redress. 

    Ask the CMC for a copy of any contract you have personally entered into and if they don’t have it, they should then waive any charges. Obviously if they can provide something with your scribble on, then you’re up slack alley and will need to either agree a repayment plan or find another way of coming up with their money.

    re your last bit, whether or not it’s your fault will depend on the above.
    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)
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