Legal threat from ppi company

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Hi, I received a letter theatening legal action from a law firm linked to a ppi company I used pproximately 2 years ago. Their issue is that I personally applied for ppi with my bank, which was rejected and no payment awarded. The ppi company also did this and want proof that no claim was awarded.

I have received 2 legal letters asking for proof relating to 2 claims with the same bank. I have since tried ringing the ppi company to check further details about the claims so I can try to get the proof required. However, when calling and selecting 'speak to an advisor', all I get is an automated payment line.

Any advice appreciated as I don't know exactly what the ppi claim was specifically for and what to do next.

Comments

  • Alpine_Star
    Alpine_Star Posts: 1,354 Forumite
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    Is this Quickly Finance Limited t/a Fast Track Reclaim? They've been sending out loads of these.

    You need to write to them questioning why you should be running around chasing up bank's decisions when Fast Track were contracted by you to do just that. Don't phone them, keep it in writing.
  • Ellboy172
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    Hi, yes I believe it is the same company. I believe the issue is that I independently filed a claim using resolva. Therefore they have no confirmation that no money was claimed  through my claim as it was unsuccessful. I have binned all paperwork as deemed it useless.
  • kaMelo
    kaMelo Posts: 2,410 Forumite
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    Ellboy172 said:
    Hi, yes I believe it is the same company. I believe the issue is that I independently filed a claim using resolva. Therefore they have no confirmation that no money was claimed  through my claim as it was unsuccessful. I have binned all paperwork as deemed it useless.
    Why do people do this, It's never been easier to archive documents just on the off chance something crops up later.

    Did you engage them to pursue a PPI complaint on your behalf and have you ever received redress from a PPI complaint? If yes to the first one then they are entitled to be paid the percentage you agreed to. If, as you state, you received nothing then their share of nothing is nothing. If you have received something however then they seem to think it was they who instigated it.

    Either way the first step is to send a complaint saying you don't owe them anything and see what they come back with. 
    With regard to them wanting proof, proof of what? They have to prove you owe them the money, you don't have to prove anything.
  • MalMonroe
    MalMonroe Posts: 5,783 Forumite
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    Ellboy172 said:
    Hi, I received a letter theatening legal action from a law firm linked to a ppi company I used pproximately 2 years ago. Their issue is that I personally applied for ppi with my bank, which was rejected and no payment awarded. The ppi company also did this and want proof that no claim was awarded.

    I have received 2 legal letters asking for proof relating to 2 claims with the same bank. I have since tried ringing the ppi company to check further details about the claims so I can try to get the proof required. However, when calling and selecting 'speak to an advisor', all I get is an automated payment line.

    Any advice appreciated as I don't know exactly what the ppi claim was specifically for and what to do next.
    Isn't the onus on them to prove that you owe anything? Exactly what legal action are they proposing to take and how much do they want from you?

    As you say that the PPI company also applied and were rejected - they should surely have their own detailed records of that.

    If they are chasing you for money (did they specify the amount?) then they have to prove that you owe them. Where is their paperwork proving their case?

    In my experience with the legal profession (a few times) they just follow clients' instructions. So if a client asks them to send a threatening letter, they will, without checking that it's bona fide. 

    But this, to me, has turned into harassment.

    There's some advice here from Citizens Advice on what to do about harassment from people chasing you for money -

    https://www.citizensadvice.org.uk/resources-and-tools/search-navigation-tools/Search/?c=HOME&q=harassment+by+ppi+compay

    And you could do worse than contact Citizens Advice to speak to someone about this matter.
    Please note - taken from the Forum Rules and amended for my own personal use (with thanks) : It is up to you to investigate, check, double-check and check yet again before you make any decisions or take any action based on any information you glean from any of my posts. Although I do carry out careful research before posting and never intend to mislead or supply out-of-date or incorrect information, please do not rely 100% on what you are reading. Verify everything in order to protect yourself as you are responsible for any action you consequently take.
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
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    kaMelo said:
    Ellboy172 said:
    Hi, yes I believe it is the same company. I believe the issue is that I independently filed a claim using resolva. Therefore they have no confirmation that no money was claimed  through my claim as it was unsuccessful. I have binned all paperwork as deemed it useless.

    With regard to them wanting proof, proof of what? They have to prove you owe them the money, you don't have to prove anything.
    Unless a payout was actually made to the OP. The banks concerned having confirmed a settlement was made. 
  • sourcrates
    sourcrates Posts: 28,982 Ambassador
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    edited 3 October 2021 at 1:11PM
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    A simple letter stating that no PPI was refunded to you should be sufficient to satisfy what they are asking for.

    Don`t complicate the issue.

    Should they continue, and issue a claim form, your defence is there is no claim to answer.

    You don`t have to prove you didn`t get a pay-out, the claimant has to prove you did.

    How exactly do you think they will be able to prove that ???
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
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