Fees

sandra774

Hi

I had a PPI settlement from HSBC last year which I did thru Resolver - I thought as I did it myself thru them there were no fees.

I have just received a letter stating I owe over £1000 as fees The letter is from Ingenious whom I don't  believe I hired - they also said they did Capital one  and have deducted fees from a cheque they sent (I thought this was some form of a scam so didn't bank it as I didn't authorise them to act on my behalf)

I have spoken to them and asked for them to send me proof I asked them to act on my behalf

Should I be doing anything else?

Thanks for reading

brettcta

Wait for their proof of contract to come through but be aware that if you ever clicked on anything on Facebook/other social media offering a ‘free PPI check’ these were almost always companies like Ingenious Legal getting you to sign up and agree to them acting on your behalf for an information request (where they just emails your details along with hundreds of others on a spreadsheet to lenders to see if you had PPI).

the problems came in the last few months when most/all lenders were automatically converting ‘Yes PPI’ information requests into complaints, under the direction of the FCA, due to the short turnaround between you receiving your ‘yes PPI’ info request results and the deadline for complaining. 

CMCs like Ingenious got an unexpected windfall because all of a sudden they were handed loads more complaints than they may have already had.

as I said above, wait for the proof of instruction from them. Be aware it might not look 100% like your signature as when you clicked through on your phone/tablet and signed up, you’d have used your finger/a stylus on your phone screen to sign.

Alpine_Star

brettcta said:

Wait for their proof of contract to come through but be aware that if you ever clicked on anything on Facebook/other social media offering a ‘free PPI check’ these were almost always companies like Ingenious Legal getting you to sign up and agree to them acting on your behalf for an information request (where they just emails your details along with hundreds of others on a spreadsheet to lenders to see if you had PPI).

the problems came in the last few months when most/all lenders were automatically converting ‘Yes PPI’ information requests into complaints, under the direction of the FCA, due to the short turnaround between you receiving your ‘yes PPI’ info request results and the deadline for complaining. 

CMCs like Ingenious got an unexpected windfall because all of a sudden they were handed loads more complaints than they may have already had.

as I said above, wait for the proof of instruction from them. Be aware it might not look 100% like your signature as when you clicked through on your phone/tablet and signed up, you’d have used your finger/a stylus on your phone screen to sign.

Ingenious Legal are not a CMC but solicitors and as such they have more stringent compliance obligations when taking on clients. I've seen the online forms they used and there isn't even a function to provide a digital signature but somehow they produce LOA's with them.

The OP needs to make a formal complaint on the basis of the absence of informed consent and if it's not upheld, go to the Legal Ombudsman.

brettcta

Alpine_Star said:

brettcta said:

Wait for their proof of contract to come through but be aware that if you ever clicked on anything on Facebook/other social media offering a ‘free PPI check’ these were almost always companies like Ingenious Legal getting you to sign up and agree to them acting on your behalf for an information request (where they just emails your details along with hundreds of others on a spreadsheet to lenders to see if you had PPI).

the problems came in the last few months when most/all lenders were automatically converting ‘Yes PPI’ information requests into complaints, under the direction of the FCA, due to the short turnaround between you receiving your ‘yes PPI’ info request results and the deadline for complaining. 

CMCs like Ingenious got an unexpected windfall because all of a sudden they were handed loads more complaints than they may have already had.

as I said above, wait for the proof of instruction from them. Be aware it might not look 100% like your signature as when you clicked through on your phone/tablet and signed up, you’d have used your finger/a stylus on your phone screen to sign.

Ingenious Legal are not a CMC but solicitors and as such they have more stringent compliance obligations when taking on clients. I've seen the online forms they used and there isn't even a function to provide a digital signature but somehow they produce LOA's with them.

The OP needs to make a formal complaint on the basis of the absence of informed consent and if it's not upheld, go to the Legal Ombudsman.

Oh, I know they are but they look, smell and act like a CMC and for the purposes of my reply, treating them as a CMC was warranted, especially given the 2nd part of your first paragraph - somehow managing to generate an LoA without a signature - it’s the sort of shark behaviour that most CMCs would be kicking themselves for not being able to do/thinking of.