Ingram Toft claim ref Amigo

UserNo1989

Hello,

I had a loan with Amigo back in 2018. 

I had filled in a claim form with Ingram toft to seek compensation from Amigo of which was back in 2020. I am aware that the first scheme was declinded by the high courts in 2021.

I then had emails from Amigo to submit a claim and to ensure my details such as address, bank details were up to date. During this time I did get emails from Ingram toft but also from Amigo with updates on payments due and about scheme updates. 

I reveived payment's from amigo of which before these I had 2 invoices from Ingram toft for payments due to them. 

My question is that I signed a form in 2020 of which the scheme at the time was declinded. A new scheme was submitted to the high courts and then accepted in 2022. Should ingram toft have asked for permission to seek compensation referancing the new claim or can they continue to use my details and seek compensation without reasking my for my permission? 

Thanks.

retiredbanker1

In the small print that you agreed to -(Probably by pressing a button!) they have the right.
The mistake you made was going to them in the first place.

UserNo1989

Hi,

Thank you for the reply. 
On the form submitted it does state this 
'I hereby appoint and authorise Ingram Toft to act on my

behalf pursuant to my irresponsible and unfair lending. In

accordance with clause DISP 2.7.2r of the Financial

Conduct Authority handbook. I/We authorise Ingram Toft to

accept or reject on my/our behalf any offer and to refer the

complaint to the Financial Ombudsman Service. I / We

further authorise my guarantor lender to provide

information on request to my representatives Ingram Toft.'

i take the view that this is open ended so it could be argued for or against?

I do agree that in hindsight i should have not gone to them. 

dunstonh

i take the view that this is open ended so it could be argued for or against?

It remains in place until you cancel it, they cancel it, or the contract is completed in its entirety.    

retiredbanker1

If its opened ended as you say - what legal reason do you have to dispute that you owe them?