charged for unsuccessful PPI claim

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Hi

I used a claims management company to check if I had any PPI. I'm pretty sure I didn't but thought I would check and see.
The claims handling company have said Sainsbury's have sent me a letter with the outcome of my claim and they want a copy so they can determine the fee.
Firstly, I have never received a letter from Sainsbury's as a result of a PPI claim (successful or unsuccessful)
Secondly, I have not received a penny compensation, so I assume it was unsuccessful. 
My question is can the claims company charge me for this (no win, no fee?)? I have received and invoice for £500 and need to send a copy of the letter to them within 14 days.
I would like to contact Sainsbury's to see if they have a copy of the letter, does anyone have a number/email to contact them?
TIA

Comments

  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
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    They can only charge you what you agreed to in your contract.

    Check Sainsbury's website for their contact details.
  • [Deleted User]
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    It's possible they are charging you time waster fees if they feel you are trying to hide something

    I would start by asking them for details of what they sent to Sainsbury's and the outcome - did you get any request from Sainsbury's for data about your complaint and never replied? Ask Sainsbury's as well if they have any record of your complaint and what the result was. Sainsbury's will have alerted the CMC that they responded to you with something, so it would mean either you were rejected (so no fee), were successful (need to re-issue a cheque probably) or were successful but money was used against unpaid / written off debts hence you won't see any money but owe the CMC their cut.

    Ring Sainsbury's asap
  • sourcrates
    sourcrates Posts: 28,993 Ambassador
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    edited 29 January 2022 at 4:37PM
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    Bear in mind there are a lot of dodgy PPI claims companies out there, they mainly advertise on social media, so that free check they promise you, turns out not to be free, they may claim, falsely, that you agreed to the terms and conditions by "clicking here".

    Well this is how they rope you in, click bait, charge you a 30% fee, even if no PPI is recovered, don`t answer complaints, make up scenarios, they lie to the courts, they are basically scammers, there are a multitude of such companies on social media platforms, complaints about them are rife, they operate on a numbers basis, as it can be very difficult to deny what a scammer is saying especially if they have forged evidence of your complicity.

    Of course they may be genuine, but it can be very hard to tell, best advice is to avoid such companies altogether.
    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
  • porkisnotmeat
    Options
    Bear in mind there are a lot of dodgy PPI claims companies out there, they mainly advertise on social media, so that free check they promise you, turns out not to be free, they may claim, falsely, that you agreed to the terms and conditions by "clicking here".

    Well this is how they rope you in, click bait, charge you a 30% fee, even if no PPI is recovered, don`t answer complaints, make up scenarios, they lie to the courts, they are basically scammers, there are a multitude of such companies on social media platforms, complaints about them are rife, they operate on a numbers basis, as it can be very difficult to deny what a scammer is saying especially if they have forged evidence of your complicity.

    Of course they may be genuine, but it can be very hard to tell, best advice is to avoid such companies altogether.
    Not really scammers though are they?

    The people who are after a quick buck, get cold feet after failing to read what they're agreeing to, are far bigger scammers than the ambulance chasers could ever be.
  • sourcrates
    sourcrates Posts: 28,993 Ambassador
    First Anniversary Name Dropper First Post Photogenic
    edited 30 January 2022 at 7:37PM
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    Bear in mind there are a lot of dodgy PPI claims companies out there, they mainly advertise on social media, so that free check they promise you, turns out not to be free, they may claim, falsely, that you agreed to the terms and conditions by "clicking here".

    Well this is how they rope you in, click bait, charge you a 30% fee, even if no PPI is recovered, don`t answer complaints, make up scenarios, they lie to the courts, they are basically scammers, there are a multitude of such companies on social media platforms, complaints about them are rife, they operate on a numbers basis, as it can be very difficult to deny what a scammer is saying especially if they have forged evidence of your complicity.

    Of course they may be genuine, but it can be very hard to tell, best advice is to avoid such companies altogether.
    Not really scammers though are they?

    The people who are after a quick buck, get cold feet after failing to read what they're agreeing to, are far bigger scammers than the ambulance chasers could ever be.
    Not all of them, but they do abound on social media, judging by the number of posts complaining that "they", the customer "didn`t agree to anything" kind of suggests something isn`t quite right.

    Its best just to swipe on by.
    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
  • Alpine_Star
    Alpine_Star Posts: 1,354 Forumite
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    Rob_tt said:
    Hi

    I used a claims management company to check if I had any PPI. I'm pretty sure I didn't but thought I would check and see.
    The claims handling company have said Sainsbury's have sent me a letter with the outcome of my claim and they want a copy so they can determine the fee.
    Firstly, I have never received a letter from Sainsbury's as a result of a PPI claim (successful or unsuccessful)
    Secondly, I have not received a penny compensation, so I assume it was unsuccessful. 
    My question is can the claims company charge me for this (no win, no fee?)? I have received and invoice for £500 and need to send a copy of the letter to them within 14 days.
    I would like to contact Sainsbury's to see if they have a copy of the letter, does anyone have a number/email to contact them?
    TIA
    I'm guessing this'll be Quickly Finance Ltd T/A Fast Track Reclaims. They ran ads on Facebook for a 'free PPI check' which somehow morphs into a claims management agreement which they claim was signed digitally.

    They've been sending out loads of these recently. Thing is if they were legitimately authorised by you to talk to Sainsbury's about claims they wouldn't be asking you to chase them up. If you didn't get a letter form Sainsbury's just tell them. 
  • Rob_tt
    Rob_tt Posts: 27 Forumite
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    Thank you to all who have replied.
    I have spoken to Sainsbury's this morning. They confirmed that no PPI was included on their product and no 'Final Decision' letter has been sent out to me or Fast Track Claims. Any letter/correspondence would have only confirmed no PPI was included. 
    Unfortunately Sainsbury's can't issue me with a letter to this affect, only provide a copy of the initial agreement.
    Should I give permission to FTC so they can contact Sainsbury's and see for themselves? Could this lead to more charges/invoices issued to me?
    Or do I just reply telling FTC I had no such letter or any compensation awarded?
  • [Deleted User]
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    Ring FTC and tell them there was no PPI and offer to send them the agreement.

    Ask Sainsbury's for a copy of the closure letter, a PPI complaint still has to have a rejection letter, they cannot leave it open
  • Rob_tt
    Rob_tt Posts: 27 Forumite
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    Ring FTC and tell them there was no PPI and offer to send them the agreement.

    Ask Sainsbury's for a copy of the closure letter, a PPI complaint still has to have a rejection letter, they cannot leave it open
    Thank you, I have just spoken to FTC, what a horrible company, very aggressive and threatening to terminate the call before I could get the reason across to them that I have had no final decision letter. 
    I will send the letter of agreement to them, hopefully that will resolve the matter.
  • [Deleted User]
    Options
    Rob_tt said:
    Ring FTC and tell them there was no PPI and offer to send them the agreement.

    Ask Sainsbury's for a copy of the closure letter, a PPI complaint still has to have a rejection letter, they cannot leave it open
    Thank you, I have just spoken to FTC, what a horrible company, very aggressive and threatening to terminate the call before I could get the reason across to them that I have had no final decision letter. 
    I will send the letter of agreement to them, hopefully that will resolve the matter.
    Send a copy by email and post, obtain free proof of posting, don't bother with signed for
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