Bank-Smart (breach of contract)

bhamoggy

Can anyone advise. 

For the last 7 or so years I get the occasional letter from bank-smart asking for more information regarding PPI claim. 

I’ve never replied or sent them anything. I’ve just ignored them and once I emailed them a couple of years ago I don’t want them to do anything on my behalf and to stop harassing me. 

Today I get an email from them as below. 

What should I do as I have no intention of paying these people anything for a service I haven’t used or want anything from. 

Dear Stephen     We have previously contacted you to explain that you are in breach of your contract with us and that an invoice for our costs was required.  We write to notify you that we currently reviewing all breach of contract charges, which may take several weeks.  You are not required to make any payments towards the invoice until our review is complete, and we will write to you again with the outcome of the review.  This position affects all claims with an outstanding breach of contract invoice only. Remedy of Breach You currently have the option to provide the items required and to have the breach of contract invoice cancelled entirely.  To do so, you will either need to: complete, sign and return the documents required, or provide a copy of the final response letter/outcome from your lender which rejects/upholds the claim, or confirms that no PPI/charges were applied on the account connected to the claim. If you would like to resolve the breach of contract invoice, please contact us on any of the details below to discuss what is required for each claim.  Notification on Claim If you have received a response or decision from your lender confirming no PPI/charges were applied, or rejecting/upholding the claim, please provide us with a copy of the letter which you can scan and email, or post to us.  If the letter resolves the claim registered, your breach of contract invoice will be cancelled and we will write to you to confirm if this is the case.   Next Steps Where you have received a breach of contract invoice from us, no further work is being undertaken on the claim.  The outstanding invoice will be held until our review is complete.  If you have any queries, please do not hesitate to contact us by: sending a text message to 07860018557 emailing us at support@bank-smart.co.uk calling us on freephone 0800 773 4344 to request a call-back; or writing to us at FREEPOST BANK-SMART (no stamp or address is required for the freepost address).  You do not need to take any action if you do not wish to resolve the breach of contract.  The invoice will remain on hold while we review the charges, and we will write to you again with an update before December 2021, although it may be much sooner.    Please remember to include your Client ID with any communication and inform us if any of your details have changed.  Yours sincerely, Client Support Manager Bank-Smart Support Centre Bank-Smart Processing Centre | www.bank-smart.co.uk COVID-19 UPDATE: Almost all lenders have stated they have now sent all final responses.  If you have not forwarded us any final responses you should send them to FREEPOST BANK-SMART without delay.  If there are any claims you have not received a final decision to and forwarded to us, please call the lender now and request a further copy to be sent to us/you and forward to FREEPOST BANK-SMART.  Please continue to login to your Bank-Smart online claims account to keep up to date with the situation. ------------------------------------------------------------------------------------- We are lawfully processing your data under Article 6 (1) (b) of the GDPR.  The information contained in this message may be CONFIDENTIAL and is intended for the addressee only. Any unauthorised use, dissemination of the information, or copying of this message is prohibited. If you are not the addressee, please notify the sender immediately by return e-mail and delete this message. Although this e-mail and any attachments are believed to be free of any virus, or other defect which might affect any computer or system into which they are received and opened, it is the responsibility of the recipient to ensure that they are virus free and no responsibility is accepted by BankSmart for any loss or damage from receipt or use thereof. Please note that all e-mail messages are subject to interception for lawful business purposes. Any views expressed by the sender of this message are not necessarily those of Bank-Smart.  BankSmart is a trading name of Symmetric Systems Limited and registered in England and Wales under registered number 3822846.

[Deleted User]

Ask them for a copy of the contract.

If they can't provide one, there's nothing more they can do.  If they can, you can check that their request is valid.

[Deleted User]

Did you perchance agree to use them to investigate PPI after you had already submitted a complaint directly?
Or sign up to use them and then refuse to provide them with information after they had started a complaint?

Both of those will usually trigger "time waster" invoices

bhamoggy

Deleted_User said:

Did you perchance agree to use them to investigate PPI after you had already submitted a complaint directly?
Or sign up to use them and then refuse to provide them with information after they had started a complaint?

Both of those will usually trigger "time waster" invoices

Hi
i may have signed up years ago but I can’t remember. 

For definite though I have never sent them any info. 

I’m pretty sure a couple of years ago I told them to stop harassing me and I don’t want them doing anything. 

tidyboy22

Hi all. I have been reading through all of the bank smart posts and have started a new one regarding bank smart which I will copy below. Before I do I am wondering if there has been any updates about bank smart. And cases that people have posted in the past. Please read what I have put below and if anyone can update or help that will be great. 


Hi all. I have been reading through the forums about bank smart scamming their customers where customers have been receiving invoices from them for either cancellation of their claims or being in breach of their contract. Unfortunately the forums close or nothing more was posted towards the end of 2019. Since I have discovered bank smart scamming their customers it has worried me as I am still a client of Bank smart with outstanding ppi claims and am now worried about being a victim to them demanding money from me even though I have had no correspondence from them for nearly 2 years and my claims went in just before the ppi deadline. 

Because of this I contacted the FCA 3 times today to get advice and what I got back was the following. 

Symmetric systems ltd trade as bank smart. On The FCA website I searched symmetric systems ltd and found that the FCA have put restrictions on the company which I will post a screen shot of the company requirements set by the FCA, however when I called the FCA back they could not confirm the full instructions or reasons behind section 1.1 a & b. 

So my question is - as a client who now wants nothing to do with Bank smart, can I go ahead and cancel my agreement with them and if I do has the FCA plut in place that they are not allowed to charge/invoice me any fees for cancelling with them as the FCA requirements are not 100% clear to me. 

Could anyone or has anyone have any knowledge into bank smart/symmetric systems ltd's restrictions/requirements from the FCA so I know if I 100% can cancel with no fees from bank smart 

Thank you