Locksley law… proving I didn’t sign their contract…

wench02

rubbish title I know!

went onto one of the car finance free eligibility checkers last year, came up with you are eligible for a claim.

pretty sure I then saw, on the same day, I could do it myself, so went down that route instead.

I’ve had a couple of emails from locksley law (free checker), but I mostly ignored/deleted them, as it seemed spam.

I did then question it, saying when did I sign anything to say I wanted you to act for me, I don’t want you to. They then replied saying it’s in the t & c’s, 14 day cool off period, then you owe us money if you cancel.

they still haven’t proved to me that I have agreed to them acting on my behalf. Any suggestions what I can ask for as proof that I’ve agreed to use them for the claim?

MyRealNameToo

https://forums.moneysavingexpert.com/discussion/6678900/locksley-law-proving-i-didn-t-sign-their-contract

Going back to the title… there is no requirement for a contract to be signed to be legally enforceable… when was the last time you had to sign a contract when doing your weekly grocery shopping?

Many of these online checkers required you to agree to the terms and conditions of the site either by a checkbox or simply by stating that clicking the "i agree" button to submit the form is the agreement to it. Obviously many people dont actually bother reading what they are agreeing to but several of these sites were created by claims management firms and those T&Cs you agreed to was signing you up to their service.

Its best to at least scan read "spam" from a new company just in case it isnt spam. Had you then you could have cancelled within the 14 days which is the guardrail against those who dont bother reading what they are agreeing to.

There is no such thing as a free lunch, if you dont know what the product is, then you are the product.

MasterG83

Just let them chase your agreement. Easier than fighting a battle, likely that some of these are going to go under after recent action from the FCA on raids of unscrupulous ambulance chasers.

Interested to hear what your claim was for? Which company are you claiming against, you signed saying you were happy to borrow the money?

dunstonh

went onto one of the car finance free eligibility checkers last year, came up with you are eligible for a claim.

Most of these actually enter you into a contract for them to act on your behalf.

The FCA & SRA are currently investigating companies that have used that method.

https://www.fca.org.uk/news/press-releases/joint-taskforce-continues-crack-down-misleading-car-finance-claims-adverts

Given the current regulatory focus, it would be very difficult for a claims company to enforce a claim against you. However, do remember that claims companies are largely unscrupulous shysters. You should see some of the rubbish claims companies send financial firms in attempts to try and extort money from them. Well, they're now starting to treat consumers the same way.

That web page gives you a template to complain to the claims company.

fiendishlyclever

I had the same. I pointed out that I had only filed an enquiry, heard nothing from them for months so had used the credit reference service to find my loans and already filed individual complaints with them.

I received an email cancelling the agreement.