Claims Company Question

Josparoonie · 12 October 2012 at 8:42AM

Good morning All

I just have a quick question regarding Claims Companies.

A couple of years ago I used Canary Claims Company to successfully make a PPI refund on my old Egg Loan. This was before I realised that I could actually do it myself using this site to help.

Last week I received a letter from Canada Operations (Formerly Egg) stating that due to new FSA Rules they were looking again at my complaint and have advised that I am actually due some more money (woop woop!:T). Yesterday I then received a letter from Canary Claims with a copy of the Egg letter with an invoice attached to it in respect of the "work" that they had done!

My question is, do I actually have to pay their invoice? I have not reinstructed them to assist me in this, and does anyone know if the original "contract" that I signed with them is still valid?

Thanks for your help.

Joanne x:rotfl:

di3004 · 12 October 2012 at 1:41PM

Hi

Did you receive a letter from the claims company to confirm they would no longer be dealing with the case? (when it was rejected etc)?

If so, you could try to argue that you are aware that banks/busineses are expected to automatically look into policies, since the issues raised with the FSA.
And enclose a copy of the letter you received that the claims company was no longer dealing with it and have no part in it since they now looking into it again under the new rules as such.

You could try contacting Claims Regulation (MOJ), and explain this situation to them, see what they have to say, good luck.
http://www.justice.gov.uk/contacts/cmr

[Deleted User] · 12 October 2012 at 1:44PM

Josparoonie wrote: »

My question is, do I actually have to pay their invoice? I have not reinstructed them to assist me in this, and does anyone know if the original "contract" that I signed with them is still valid?

Unfortunately, the legally binding contract you have signed with this company will have cleverly stipulated that they represent you in ALL PPI complaints. This means that they are entitled to their fee, despite their seeming lack of involvement.
Fail to pay and you'll find debt collectors after you...

Josparoonie · 12 October 2012 at 2:10PM

Thanks DizzyDi & Moneyineptitude.

I think I will ask Claims Direct to send me a copy of the original contract that I signed and go through it with a fine tooth comb, I did have a look on their website this morning and the terms and conditions didn't really say a lot.

Will keep you updated!

Joanne x

[Deleted User] · 12 October 2012 at 2:13PM

Josparoonie wrote: »

I will ask Claims Direct to send me a copy of the original contract that I signed and go through it with a fine tooth comb

Yet another reason not to use a CMC...

Good luck!

Josparoonie · 12 October 2012 at 2:26PM

Yes, don't I know it! I used them for two loans, and then did the rest myself!

Just need to wait to hear from Egg now as they are being a nightmare to get hold of - sending out letters with no contact number or emai addresses on it gggrrrr!

Nevermind, it will be a nice wee bonus WHEN it arrives!

Thanks

Joanne

Josparoonie · 14 January 2013 at 10:11AM

Good morning all, further to the comments above, I asked Claims Thru us for a full copy of the terms and conditions and also a copy of my signed authorisation, they first replied telling me that as it was so long ago they haven't got a paper copy and that a manager would email back to me and now they have sent this
"
At the time you joined us our Terms & Conditions document did not cover a point where the consumer had to pay us for a multi-sale loan (linked loans/refinanced loans).

The new law of the FSA regulations stipulates that the firms must review all linked loans, hence we had the new offer for you.

It is entirely at your discretion, whether you want to pay us for our WORK.

Let us know what you decide and we will act accordingly."

I have replied to them and asked them IF it was them that recontacted Egg on my behalf (I was under the impression it was Egg - and if they did contact Egg, would I have not to give my authorisation again??)

I have also asked them what "we will act accordingly" means as well!

Has anyone got any other ideas as I really don't think I should have to pay their invoice if they haven't done anything for it!

Thanks for your help.

Joanne

-taff · 14 January 2013 at 12:13PM

Josparoonie wrote: »

"
At the time you joined us our Terms & Conditions document did not cover a point where the consumer had to pay us for a multi-sale loan (linked loans/refinanced loans).
The new law of the FSA regulations stipulates that the firms must review all linked loans, hence we had the new offer for you.
It is entirely at your discretion, whether you want to pay us for our WORK.

Let us know what you decide and we will act accordingly.

Basically, they're saying it's up to you whether you pay them or not, and to let them know.

Perosnally, I woulnd't. Egg reviewed all your linked loans, not the claims company, they were just informed about it.
Don't pay them and cancel your contract if you havent already.

Josparoonie · 14 January 2013 at 12:21PM

:jThanks Taff.

I was thinking of not paying them yes, but just didn't want them trying to take me to court for money owed etc!

I am unsure whether or not the signed authorisation back in 2010 would still be valid or not, that was why I asked them for a copy to see if I could find out!

Thanks again

Joanne

Josparoonie · 14 January 2013 at 1:14PM

Well, I got a reply to my email, although I am still non the wiser - a little more confused as to what they are saying!

I sent - Thank you for your email.
Could you please advise if it was yourselves that contact Egg regarding the change in FSA regulations as I was under the impression that it was Egg themselves that decided to reinvestigate my complaint.
Also, could you please advise what "we will act accordingly means?!"

And they replied

Dear Joanne,

This is the point I am trying to make. Banks can further investigate previous claims which were closed and resolved under FSA regulations. In your case Egg rightly followed FSA new procedures to inform Canary Claims who was originally handling your case. Unfortunately we had sent an old Terms and Conditions document to yourself prior to this FSA law coming into effect and that is the reason why I would like to know if you will pay your new bill in full for(Previous work done strictly linked to new founding by Egg)

I would ask you to stand fair and let us know so we can decide how to conclude this issue

Am I right in thinking that strictly speaking they can't make me pay for it as they haven't done anything!!

Thanks

Joanne

-taff · 14 January 2013 at 1:32PM

Sounds like it. Sounds like your old contract specified the original claim only.
Entirely at your discretion means your choice.
Send them another e-mail asking what they will do if you don't pay. Emphasise 'your discretion'

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