PPI compensation debt scam

finklestein

Thank you 

Brie

Send the law firm a subject access request (SAR) and they will have to provide copies of everything they have about you.  

Not sure how they think you can prove a negative.  I mean, if you received an offer why would you refuse it.  And if you didn't bother to reply, possibly as you haven't received an offer at all, how can you prove that you didn't send a letter or didn't make a phone call.  Impossible.

Are you sure this isn't a phishing scam of some sort??

The_Unready

You say that you didn't accept one, but did you receive an offer from Northern Rock?

dunstonh

What they are asking is similar to asking you to prove that ghosts do not exist.  It is farcical.

As they are trying to get money out of you, they need to show that you owe that money.  They will likely threaten courts with increasing ferocity.  Do not ignore the attempts but reply and keep copies saying you have never received any money and ask them to provide evidence Northern Rock paid it as you would like to know where it went.

This could be a scam in its own right.  So, you need to be on guard.    A firm attempting to get money out of you that is not due is fraud.
1 - Did you employ the claims company mentioned to put in a PPI complaint?
2 - Did you buy PPI from Northern Rock or via a mortgage broker?  (it makes a difference as NR wouldn't refund a broker arranged PPI and most NR mortgages were put in place via brokers.  This helps identify whether it is likely you had PPI and who arranged it).

[Deleted User]

Did you have PPI on a mortgage but had outstanding debt that the money was used against?

finklestein

No, I had no outstanding debt

[Deleted User]

1) Did you have any financial products with Northern Rock?

2) Did you put in a PPI complaint with a third party / claims management company (even via a so called "free PPI check" off something like Facebook)? 

3) Did Northern Rock offer you a refund and you rejected it?

finklestein

I had previously had a mortgage with Northern Rock and, yes, I did a free PPI check but heard nothing more until the letters threatening legal action started arriving two months’ ago when the solicitors sent a copy of a letter apparently sent to me but never received by me offering compensation. I never agreed to any compensation offer and never received any compensation 

brettcta

finklestein said:

I had previously had a mortgage with Northern Rock and, yes, I did a free PPI check but heard nothing more until the letters threatening legal action started arriving two months’ ago when the solicitors sent a copy of a letter apparently sent to me but never received by me offering compensation. I never agreed to any compensation offer and never received any compensation 

So that’s where you’re at - you’ve had a complaint raised on your behalf and it sounds as though the offer letter either wasn’t sent by Northern Rock (but the CMC got their copy) or wasn’t delivered to you.

either way, they’ll push that you’re in breach of contract as your ‘free PPI check’ will have also given them authority to complain on your behalf and therefore allow them to bill you for any redress offered by the lender.

finklestein

Thank you. Does that mean I must pay the sum they are asking?

brettcta

finklestein said:

Thank you. Does that mean I must pay the sum they are asking?

If I’m correct with my assumptions, then unless you fancy a day in court and then having to pay up regardless, yes.

see it as an expensive lesson for the future never to pay someone else to send an email on your behalf.