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  • FIRST POST
    • Former MSE Wendy
    • By Former MSE Wendy 19th Apr 12, 2:19 PM
    • 868Posts
    • 1,782Thanks
    Former MSE Wendy
    Share your stories on PPI Reclaiming claims handlers
    • #1
    • 19th Apr 12, 2:19 PM
    Share your stories on PPI Reclaiming claims handlers 19th Apr 12 at 2:19 PM
    Please let us know about your experiences - good or bad - of using PPI Reclaiming claims management companies.

    How to report your story...

    1. Click reply to enter your views. It's free to post but you do need to register.

    2. Let us know the following:
    • Why you decided to use a claims handler
    • Were you happy with the service
    • How much were you claiming and how much did you get to keep
    • Anything else you want to tell us

    Please do NOT post questions in this thread. Questions can be asked in the PPI reclaiming discussion thread where, although not guaranteed, it is more likely somebody may be able to help you.

    Would you be happy to talk to the press? If you're willing to tell your story to the papers, tv or both please e-mail casestudy@moneysavingexpert.com (sorry but we can't answer questions at this email address) with a daytime phone number and where you live.
Page 13
    • BooJewels
    • By BooJewels 13th Mar 18, 7:52 PM
    • 278 Posts
    • 207 Thanks
    BooJewels
    Clearly, spammers, trolls and other argumentative ne'er-do-wells inhabit here... I was after some friendly sensible advice about reclaiming PPI, but all I read is people slagging others off...
    Originally posted by neferhotep
    That's a bit unkind when you haven't actually asked anything yet. Maybe reserve judgement until you ask a question and see if you get the help you want. There are a lot of very helpful and knowledgeable people here.
    • Scott68
    • By Scott68 19th Mar 18, 7:19 PM
    • 8 Posts
    • 2 Thanks
    Scott68
    Claims guys claim on Plevin
    Hi apologies if on the wrong thread I am one of those people that used the claims guys for PPI for which some have been rejected, now due to the Plevin updates I have had some letter stating a payout in my favour, I'm also getting letters from the claim guys claiming their fees for the Plevin payouts but as far as I'm concerned they only had a contract for the PPI claim which was rejected as they stated no win no fee so now if they are entitled to Plevin fees also then they on a win win situation.
    My question can they claim fees for Plevin?
    is there a complaints letter template on the forum to send these CMC?.
    many thanks for any advice
    • dunstonh
    • By dunstonh 19th Mar 18, 7:52 PM
    • 92,947 Posts
    • 60,321 Thanks
    dunstonh
    Hi apologies if on the wrong thread I am one of those people that used the claims guys for PPI for which some have been rejected, now due to the Plevin updates I have had some letter stating a payout in my favour, I'm also getting letters from the claim guys claiming their fees for the Plevin payouts but as far as I'm concerned they only had a contract for the PPI claim which was rejected as they stated no win no fee so now if they are entitled to Plevin fees also then they on a win win situation.
    My question can they claim fees for Plevin?
    is there a complaints letter template on the forum to send these CMC?.
    many thanks for any advice
    Originally posted by Scott68
    If your complaint rejection was more than 6 months ago, then they have no right to be paid unless they told you specifically to wait for a Plevin outcome.

    If your complaint rejection was under 6 months ago, then they are entitled to be paid.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • Scott68
    • By Scott68 19th Mar 18, 8:01 PM
    • 8 Posts
    • 2 Thanks
    Scott68
    Thank you dunstonh,
    even if I only signed up for PPI? which they clearly state its a no win no fee.
    they don't tell you that the complaint was rejected unless you ring them.
    so I need to get a copy of my file from them?
    • dunstonh
    • By dunstonh 19th Mar 18, 8:28 PM
    • 92,947 Posts
    • 60,321 Thanks
    dunstonh
    even if I only signed up for PPI? which they clearly state its a no win no fee.
    You didnt sign up for PPI. You signed up for them to handle your complaint about the sale of PPI. Without that complaint, there would be no plevin refund.

    they don't tell you that the complaint was rejected unless you ring them.
    The lender writes to you. The CMC really does nothing more than put your intitial complaint into an envelope and send it to the same address you would have sent it to if you chose to use the free of charge complaints process.

    so I need to get a copy of my file from them?
    No.

    its pretty clear cut. If your rejection was more than 6 months ago, the CMC has no rights unless you signed a new letter of authority. Your lender is the one that rejected the complaint. So, it is their letter that matters.

    Are you concerned you are borderline to 6 months ago?
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • Scott68
    • By Scott68 19th Mar 18, 9:05 PM
    • 8 Posts
    • 2 Thanks
    Scott68
    I'm most certain it's over 6 months ago.
    Many thanks for your help.
    So what's the procedure I should follow please.
    • dunstonh
    • By dunstonh 19th Mar 18, 9:28 PM
    • 92,947 Posts
    • 60,321 Thanks
    dunstonh
    I'm most certain it's over 6 months ago.
    Many thanks for your help.
    So what's the procedure I should follow please.
    Originally posted by Scott68
    Tell them that the rules set by the Govt for CMCs clearly states they have no right to bill you.

    https://www.gov.uk/government/publications/claims-management-companies-plevin-guidance/plevin-guidance-for-claims-management-companies

    see section 3.

    You dont need to do much at all. Tell them and if they continue, make a formal complaint to them and let the Legal Ombudsman know.

    The ministry of justice warned CMCs that billing people for things they are not entitled to be paid for could be considered fraud.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • Scott68
    • By Scott68 19th Mar 18, 9:41 PM
    • 8 Posts
    • 2 Thanks
    Scott68
    So basically it's up to them to prove that it within 6 months??
    My successful payment through them for PPI was paid to Aug 2016. So that's when I would have requested them to search several months before that.
    • Scott68
    • By Scott68 4th Apr 18, 10:41 AM
    • 8 Posts
    • 2 Thanks
    Scott68
    Update from claims guys.
    Since this post I have written to the claims guys stating the guidelines from the FCA this was done 24th March.
    I have received my cheque and that has now cleared Wednesday 4th April. During this time I have received several phones calls, text messages, emails and letters requesting payment. Today I have email and text message stating notice of legal proceeding if no payment made in
    7 days. I have NOT received any reply to my letter.
    I shall issue another letter to them this week recorded delivery.
    Any advice????
    • dunstonh
    • By dunstonh 4th Apr 18, 11:20 AM
    • 92,947 Posts
    • 60,321 Thanks
    dunstonh
    Time for you to put in a formal complaint against them. You need to do this so you have documentary evidence of your dispute and their response.

    Note. the CMC rules on plevin are not FCA rules. They are Ministry of Justice rules.

    The CMC will huff, puff and threaten. They will try to intimidate you. However, you don't need to be scared or worried about it. If they start legal action, it will be via the small claims court. They put their case in writing and you are sent forms to put your response in writing in which you would include the text from the ministry of justice and state that The Claims Guys never sought your instructions to act on your behalf in relation to the complaint on Plevin grounds and that you never signed a new letter of authority and the complaint was rejected more than 6 months ago (effectively highlighting section 3 was not followed).

    Your response and the written details they have provided are viewed by a judge initially to filter out time wasters etc.
    If it ends up in front of a judge, both sides will be able to make their case and answer questions. Your case is that the CMC has no contract and did nothing and is asking for the money fraudulently. The judge will ask to see the contract the CMC has and if they have followed the rules (pretty standard in contract disputes). As you have not signed a contract (called letter of authority when dealing with CMCs) in respect of Plevin and section 3 of the CMC rules state they need one, the case is heavily in your favour.

    A good number of times sees the firm huff and puff but never follow through. If they do, don't worry as the small claims process is painless. If you lose and pay the money as agreed then it doesnt harm your credit record and dosnt give you a criminal record. The judge is there to settle disputes. Its a civil court (and when I say court, its actually in a little office room with a judge wearing smart casual).

    General rule of thumb is that if they cannot produce the contract or any evidence of work carried out, they are not going to get anywhere.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • Scott68
    • By Scott68 4th Apr 18, 1:36 PM
    • 8 Posts
    • 2 Thanks
    Scott68
    Many thanks.
    So should I resend the letter regarding my dispute recorded delivery or leave as they could say they didn't receive it??
    • dunstonh
    • By dunstonh 4th Apr 18, 2:02 PM
    • 92,947 Posts
    • 60,321 Thanks
    dunstonh
    Many thanks.
    So should I resend the letter regarding my dispute recorded delivery or leave as they could say they didn't receive it??
    Originally posted by Scott68
    If its a PO Box then normal delivery. If its not a PO Box then you can use signed for. However, they are required to act on your complaint in a defined way. So, you will know if they have got it within 7-10 days. So, I would use normal mail. Keep copies of everything.

    If they run a client portal with details of your complaint (some CMCs do) then screenshot the page with the outcome for the original complaint.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • Nasqueron
    • By Nasqueron 4th Apr 18, 4:41 PM
    • 4,707 Posts
    • 2,798 Thanks
    Nasqueron
    Many thanks.
    So should I resend the letter regarding my dispute recorded delivery or leave as they could say they didn't receive it??
    Originally posted by Scott68
    Use free proof of posting from a post office, it's accepted as proof by the FOS that the letter was delivered 2 days later if sent first class. The signed for stuff can be refused or dumped at the wrong place

    Put on the envelope clearly "complaint" in capitals
    Last edited by Nasqueron; 04-04-2018 at 4:44 PM.
    • Scott68
    • By Scott68 9th Apr 18, 8:00 PM
    • 8 Posts
    • 2 Thanks
    Scott68
    Update:
    Email from The Claims Guys today stating in relation to your account with ourselves, as a good will gesture we have decided to close your ***** and ***** claim and waive the fee.....so thank you everyone for your advice....it just shows don't trust no one from these companies lol.
    As you say all them letters demanding payment and threatening court action just stand your ground folks....
    • Brian19
    • By Brian19 3rd Jun 18, 6:54 AM
    • 11 Posts
    • 0 Thanks
    Brian19
    Hi after constant calls I gave in and used money reclaim experts based in Manchester. I have never heard from them again. But I got a text from goldman and knightly solicitors on the 7th April asking to contact them urgently as they have an update on my ppi claim. It stated they needed me to send in 2 proofs of I'd. I rang them.to find out who they are. They said they help money reclaim experts. I have never signed anything for goldman knightly to work on behalf of me. Is this right has anyone else dealt with these people before. They are hounding me everyday wanting paid and I haven't even received a cheque yet
    • zx81
    • By zx81 3rd Jun 18, 7:56 AM
    • 17,205 Posts
    • 18,282 Thanks
    zx81
    Check the contract you signed.
    • Brian19
    • By Brian19 3rd Jun 18, 8:45 AM
    • 11 Posts
    • 0 Thanks
    Brian19
    I'm not sure what I done with it take it I can request the original contract from them
    • Brian19
    • By Brian19 3rd Jun 18, 8:57 AM
    • 11 Posts
    • 0 Thanks
    Brian19
    I've just read there terms and conditions and website and it states they can pass my details onto 3rd Parties or work with 3rd Parties but have to give me written notice which they didnt
    • Brian19
    • By Brian19 3rd Jun 18, 1:33 PM
    • 11 Posts
    • 0 Thanks
    Brian19
    Has anyone else had dealings with these company's?
    • victorianna
    • By victorianna 9th Jun 18, 10:17 AM
    • 4 Posts
    • 0 Thanks
    victorianna
    I foolishly got into a lot of debt and was in a terrible state about it, it was really affecting my mental health. I decided though that hiding from it would only make it worse so I contacted all my creditors and I pay them all back monthly. It's difficult but the debt is slowly coming down. Trying to get my life back

    I was contacted by a PPI company and agreed to let them "have a go" to be honest I never thought they would be successful however they were.

    When the bank contacted me and said they would pay the money into my account I couldn't believe it, it meant I could clear some of my debt off and I felt a weight lift from my shoulders as I used the money to clear the debt.

    I knew there would be a fee to pay and I was willing to do that. However I was devastated when the PPI company sent their bill charging me 39% plus 20% VAT as a fee. I know I signed an agreement but I foolishly never read the whole thing because I didn't think they would be successful. Hindsight is a great thing but 39% :O!

    Its not that I am not willing to pay it's just the amount, it seems unethical to charge people at such a high interest rate. The fault is mine for not reading the agreement properly! Is there anything I can do? I know from what I have read they are relentless in coming after people and they can get away with that. My credit rating has been awful but it's slowly getting better, I don't want to go to court .

    I feel so stupid for not dealing with this correctly. Can I offer to pay them up monthly? I read somewhere that they should ask the bank for the charges but I don't see how that would work I don't even have a copy of the agreement, or is it a "contract" as they have told me, what is even the difference. It just feels as though I am back to square one only now with a company that are tenacious in their pursuit of their money.

    The positive in this is that I have learned my lesson, albeit an expensive one. I will never use a PPI Claims company again!
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