Claims Company

C0nfused67

I signed up to a claims company in the summer on the off chance I had a claim after my own attempt was rejected. That too was rejected so I thought "oh well".
Now they are emailing me again to say they are continuing with my claim with regards the new court ruling. Can they do this? I have asked them to tell me how and when I have authorized them to continue the claim in my name but so far I have been 'threatened' with having to pay them compensation if I want them to stop. This seems ludicrous to me. I didn't ask them to continue my claim. All my attempts to speak to them have been blanked, cut off or the receptionist is "just a receptionist, so can't help me and no one is available to take my call, please email us"
Any advice would be much appreciated, thanks

Brie

Do you have a copy of the T&Cs that say what you signed up for?  They may give a time period where they will still represent you or something about changes in legislation.

And what is it that you were trying to claim and what do they say about the "new court ruling"?

C0nfused67

Apologies, I wasn't very clear....it was to do with the car finance thing. I originally tried on my own with no luck so thought I would try with a bit of clout behind me but got the same result. I thought I had nothing to lose. 
After the latest ruling in October (I think) they are now emailing me telling me they are continuing with my claim. I thought the claim was dead.
Unfortunately I haven't kept any of the terms and conditions because I thought it was over with. I nuw realize how stupid that was. I have asked them for a copy of what I signed up to. Still haven't had any reply.
If only I had known then what I do now. 
Thanks for your reply 

dunstonh

Now they are emailing me again to say they are continuing with my claim with regards the new court ruling. Can they do this? 

That is what you employed them to do.

 I have asked them to tell me how and when I have authorized them to continue the claim in my name but so far I have been 'threatened' with having to pay them compensation if I want them to stop.

You said in your first sentance that you signed up to them.  So you did authorise them.

 This seems ludicrous to me. I didn't ask them to continue my claim. 

And when did you ask them to stop? 

Any advice would be much appreciated, thanks

Either let them complete or pay their cancellation costs detailed in the contract you signed.

Probably best to let it play out, as rejections only occurred where there was no commission to repay.  If there was a commission, then the case would not have been rejected but put on hold.    A zero payout means zero fee to the CMC.

C0nfused67

I get that I signed up etc. Not disputing that. I am disputing the fact they emailed me to say it was unsuccessful etc but now months later have reclaimed for me. So if this one is unsuccessful can I expect them to claim again for me after any new court ruling? 

singhini

When you "had a go" at this yourself, i'm guessing you were asking about a "discretionary commission arrangement" 

Then you instructed a claims company to do the same (you felt they might have more "clout")

Now the claims company are continuing with your claim with regards the "new court ruling"

Perhaps they are now looking into the other types of mis-selling (other than DCA):-

- Unfairly high commission (high commission where the commission is equal to or greater than 35% of the total cost of credit and 10% of the loan)

- Contractual ties (contractual tie between you and the broker that provided them with exclusivity or a right of first refusal). 

I don't know, its just a guess.