PCP claim Nissan

megoingmad

Hello, we have made 2 direct claims with Nissan and today we have received an email for Courmacs Legal for us to complete a form. We are suspicious as on their website it is showing 51% charge. They seem to have our account numbers and know email addresses so does anyone know if Nissan have instructed Courmacs or is this a random claim company trying it on. The email they sent is very brief and has no further info. 

Many thanks

electriccactus

I can't see why Nissan would want to pass your details on to a legal firm to represent you when they'd be better off having a presumably non-legally trained person take them on instead.

Have you made any enquiries about this before or did you go straight to making a claim with Nissan?

megoingmad

Thank you for replying. No, we followed the instructions on this website and used the template Martin suggested. They are emailing us 3/4 times a day and texting us to fill out their questionnaire. 

Hoenir

Are you sure that the claims were logged directly with Nissan (Finance). 

megoingmad

Yes, we followed all the instructions on this website, they even have the correct email address to send it to. I’m so confused 😐 

dunstonh

 so does anyone know if Nissan have instructed Courmacs or is this a random claim company trying it on. 

There is absolutely no chance Nissan Finance have passed your details to a claims company that would charge you for using the free-of-charge complaints process.   The whole point of the regulated complaints process is that it is without charge.   They would be fined by the FCA if they did that.

DullGreyGuy

megoingmad said:

Hello, we have made 2 direct claims with Nissan and today we have received an email for Courmacs Legal for us to complete a form. We are suspicious as on their website it is showing 51% charge. They seem to have our account numbers and know email addresses so does anyone know if Nissan have instructed Courmacs or is this a random claim company trying it on. The email they sent is very brief and has no further info. 

Many thanks

Someone trying it on... a company may outsource remediation activities etc but they not you would be paying for it.

Bertiwooster

I have had e mails and texts from courmacs and a copy of a form i am supssed to have completed  asking for photo id etc to proceed with a claim to VW. They say if i dont go ahead they will bill me for their time.
I am dealing with VW so dont know how courmacs have got invloved.  

dunstonh

Bertiwooster said:

I have had e mails and texts from courmacs and a copy of a form i am supssed to have completed  asking for photo id etc to proceed with a claim to VW. They say if i dont go ahead they will bill me for their time.
I am dealing with VW so dont know how courmacs have got invloved.  

It is not uncommon for firms to contract out things like this but they do not normally use claims management companies.

Courmacs are a no win no fee claims company.  If you win, they take a cut.    VW wouldn't use a company that way as the regulated complaints process is free of charge to the consumer.   And they certainly would not charge you for your time if you withdraw.    So, it looks like you have engaged a claims company rather than VW. 

Have you inadvertently used a clone site that made you think it was VW?  Or clicked on links from facebook?

Bertiwooster

i used the Martin Lewis link on the 7th February and got a reply from VW finance in June. Courmacs started pestering me in September sending me a form with my details on and a digital signature on asking for photo id for VW. Recent emails from them have suggested i will be charged for their time so far if i dont proceed.

dunstonh

Bertiwooster said:

i used the Martin Lewis link on the 7th February and got a reply from VW finance in June. Courmacs started pestering me in September sending me a form with my details on and a digital signature on asking for photo id for VW. Recent emails from them have suggested i will be charged for their time so far if i dont proceed.

Ok, its looks like a coincidence that they started cold marketing you at a similar time and you fell for it.  That has happened with others.

The regulated complaints process does not allow consumers to be charged.   Either through withdrawing their complaint or having a cut paid to a third party that you did not employ.   

If you feel courmacs have missold their service, then you should make a complaint to them.  However, they are not FCA regulated.   They are regulated by the SRA which means lower consumer protection than the FCA.