Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    cmay
    Help - EMCAS PPI claim company threats!!
    • #1
    • 7th Jan 13, 10:46 PM
    Help - EMCAS PPI claim company threats!! 7th Jan 13 at 10:46 PM
    In January 2011 I contacted EMCAS to reclaim PPI on 3 historical loans we had with Lloyds, they sent us an agreement which we were very reluctant to sign, but they kept hounding us to reply & sign an agreement, we stupidly did so but after a telephone call to Lloyds they said we could put a claim in ourselves & cut out EMCAS. I did so by a call to EMCAS who told us our records would be deleted & Lloyds have a record on their system to 'revoke all authority to EMCAS' & deal with us only. I also got rid of their paperwork last year as I thought the matter was closed, so nothing to refer to!! Now EMCAS are sending us threatening invoices & letters, phone calls etc demanding 25% of the claim plus VAT, or they will take us to court for work we cancelled, but because we did not put in writing they are now claiming no phone call was recorded to cancel the agreement & by law we should have put in writing (something we weren't told to do when we called them!) I have contacted BT to see if they can trace the call but as it was over a year ago they cant retrieve!
    I feel we are in a NO WIN situation with these parasities who call themselves JUSTICE for money! Before I pay out to these people can anyone give advice???
Page 1
    • Moneyineptitude
    • By Moneyineptitude 7th Jan 13, 11:12 PM
    • 22,465 Posts
    • 12,020 Thanks
    Moneyineptitude
    • #2
    • 7th Jan 13, 11:12 PM
    • #2
    • 7th Jan 13, 11:12 PM
    Before I pay out to these people can anyone give advice???
    Originally posted by cmay
    You've signed a legally binding contract with these people and have no record or proof of your purely verbal "cancellation"?
    I think you'll have to pay them...
  • cmay
    • #3
    • 7th Jan 13, 11:51 PM
    • #3
    • 7th Jan 13, 11:51 PM
    Thankyou for your reply, not the easiest of answers but I know the most important thing to do in future is to put things in writing!! Just wish we had waited out when all this PPI reclaim came to light & not gone straight to the first claim handler taking 25% to write a letter! & had been given better advice at the time!! A hard lesson to chew on & a shock after all this time.................I just hope more people are aware not to use these handlers now & DIY
    • magpiecottage
    • By magpiecottage 8th Jan 13, 7:45 AM
    • 9,114 Posts
    • 5,584 Thanks
    magpiecottage
    • #4
    • 8th Jan 13, 7:45 AM
    • #4
    • 8th Jan 13, 7:45 AM
    Did they make it clear to you that you could complain yourself at no charge BEFORE you signed up.

    If not, you have valid grounds for complaint against EMCAS.
  • Mrclaim
    • #5
    • 12th Mar 13, 5:44 PM
    Have you paid yet?
    • #5
    • 12th Mar 13, 5:44 PM
    Hi - Have you paid this bill yet?

    If not - I'd suggest you do no such thing just yet...

    Even if you have paid, you can get your money back from them (wouldn't that be sweet?)...

    EMCAS will have to provide a copy of the call. You need to complain to them (complaints@emcas.co.uk) explaining what you've put in this thread and make clear that you will go to the Ministry of Justice if you're not satisfied...

    You can complain to the ministry of justice easily (email consumer@claimsregulation.gov.uk) and make sure that you refer to their CRM number CRM1768) .

    You have three years to complain so don't worry about being to late. I wouldn't accept this from these guys if I were you. Good luck getting your money back!
    • dunstonh
    • By dunstonh 26th Apr 13, 6:44 PM
    • 95,760 Posts
    • 63,454 Thanks
    dunstonh
    • #6
    • 26th Apr 13, 6:44 PM
    • #6
    • 26th Apr 13, 6:44 PM
    Given the absolute disgrace this company is, nothing surprises me about them.
    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.
  • Haka01
    • #7
    • 15th Aug 14, 9:50 AM
    • #7
    • 15th Aug 14, 9:50 AM
    Emcas train their agents to sell and have an answer to a problem most of them have no experience whatsoever and are trained to a script and have no interest other than trying to get you to sign up
    • rebekka222679
    • By rebekka222679 29th Oct 15, 11:53 AM
    • 1 Posts
    • 0 Thanks
    rebekka222679
    • #8
    • 29th Oct 15, 11:53 AM
    • #8
    • 29th Oct 15, 11:53 AM
    Hi - who would people recommend to use for ppi claim back for different credit / store cards. I went direct to the bank for loan ppi claim back. Emcas are also hounding me but after reading the reviews I don't feel I want to sign the papers !
    • dunstonh
    • By dunstonh 29th Oct 15, 12:03 PM
    • 95,760 Posts
    • 63,454 Thanks
    dunstonh
    • #9
    • 29th Oct 15, 12:03 PM
    • #9
    • 29th Oct 15, 12:03 PM
    who would people recommend to use for ppi claim back for different credit / store cards.
    Yourself. You are the best person to do it.

    I went direct to the bank for loan ppi claim back.
    So do the same with the rest.

    Emcas are also hounding me but after reading the reviews I don't feel I want to sign the papers !
    You do realise that claims companies only put a stamp on an envelope containing the form that has information that you have given them. Typically it is the same form or their version of the FOS form you can get online yourself for free. They post it to the same address you would. The same complaints handlers at the bank/card providers review the complaint and the outcome will be the same. (in worst case, the outcome could be worse if the claims company use a template letter which includes fake reasons which are easily refuted - some do).
    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.
    • magpiecottage
    • By magpiecottage 29th Oct 15, 6:01 PM
    • 9,114 Posts
    • 5,584 Thanks
    magpiecottage
    I dealt with a case from EMCAS earlier this year. It was forwarded to an IFA that I work for.

    I spoke to their client on the telephone. He told me categorically that he had been assured by EMCAS that the adviser, a personal friend, would not be adversely affected by putting in a complaint to the adviser.

    I cannot prove that EMCAS actually said this. However, it is not true that if a CMC puts in a complaint to an insurance company the adviser will not be adversely affected. If they work for the insurance company, the complaint will be placed against their personal record at the Financial Conduct Authority. If they do not, it will be passed on to the original firm that sold the policy which will record it on the adviser's personal record at the Financial Conduct Authority.

    If the adviser owns the business then he will have to deal with the complaint himself and this will affect his ongoing insurance costs.

    In addition, in my experience, EMCAS regularly fails to provide any evidence to support its assertions. This is a breach of the Conduct of Authorised Persons Rules, issued by its regulator.
    • Elainecity
    • By Elainecity 10th May 18, 4:13 PM
    • 5 Posts
    • 0 Thanks
    Elainecity
    Emcas !!!128545;
    I put a few different claims in with emcas, and 1 I didn't sign as I went straight to the bank, they now say I owe them but different reference numbers mean different claims right, what should I do as they were both with the same bank
    • zx81
    • By zx81 10th May 18, 4:15 PM
    • 19,339 Posts
    • 20,653 Thanks
    zx81
    Sorry? .
    • Moneyineptitude
    • By Moneyineptitude 10th May 18, 4:23 PM
    • 22,465 Posts
    • 12,020 Thanks
    Moneyineptitude
    I put a few different claims in with emcas, and 1 I didn't sign as I went straight to the bank, they now say I owe them but different reference numbers mean different claims right, what should I do as they were both with the same bank
    Originally posted by Elainecity
    Sounds to me like you did sign the Letter Of Authority.

    Forget about the "reference" numbers, demand the CMC to send you a copy of the signed LOA.

    If they can't do so, then you may have some success is arguing that you didn't give them authorisation to proceed.
    • Elainecity
    • By Elainecity 31st May 18, 3:46 PM
    • 5 Posts
    • 0 Thanks
    Elainecity
    Emcas
    i need help with this, what are people's views on this,
    My letter from TSB states that emcas have not included a valid Letter of authority or invalid, so any costs agreed between emcas and myself should be void, I have put a complaint in with emcas and sent them the relevant letters that I have recieved from TSB but they are taking ages with my complaint, HELP
    • Moneyineptitude
    • By Moneyineptitude 31st May 18, 3:52 PM
    • 22,465 Posts
    • 12,020 Thanks
    Moneyineptitude
    My letter from TSB states that emcas have not included a valid Letter of authority or invalid, so any costs agreed between emcas and myself should be void, I have put a complaint in with emcas and sent them the relevant letters that I have recieved from TSB but they are taking ages with my complaint, HELP
    Originally posted by Elainecity
    I'm not sure it's the bank's business to tell you that your contract with a claim company is somehow "void" because the LOA was not included with the complaint they sent on your behalf. Why didn't the Bank simply tell the Claim Company to forward a valid LOA?

    I doubt you'll get very far with this unless you didn't actually sign a Letter Of Authority..
    • Elainecity
    • By Elainecity 31st May 18, 4:01 PM
    • 5 Posts
    • 0 Thanks
    Elainecity
    Sounds to me like you did sign the Letter Of Authority.

    Forget about the "reference" numbers, demand the CMC to send you a copy of the signed LOA.

    If they can't do so, then you may have some success is arguing that you didn't give them authorisation to proceed.
    Originally posted by Moneyineptitude
    i need help with this, what are people's views on this,
    My letter from TSB states that emcas have not included a valid Letter of authority or invalid, so any costs agreed between emcas and myself should be void, I have put a complaint in with emcas and sent them the relevant letters that I have recieved from TSB but they are taking ages with my complaint, HELP
    Originally posted by Elainecity
    Emcas tried to send me another letter of authority to sign because the other was invalid but I didn't sign it, I wrote to TSB to say I didn't want Emcas dealing with my case, so when I recieved a letter off TSB to say my claim was successful they accidentally sent Emcas the letter so now they want 33% what do you think
    Last edited by Elainecity; 31-05-2018 at 4:19 PM.
    • Elainecity
    • By Elainecity 31st May 18, 4:29 PM
    • 5 Posts
    • 0 Thanks
    Elainecity
    Emcas
    Emcas sent me another letter of authority to sign because the other was invalid, I didn't sign it, I wrote to TSB to say I didn't want Emcas dealing with my case, so when I recieved a letter from TSB to say I was successful they accidentally sent it to Emcas that's how they know and they want 33% so I have put a complaint in with Emcas
    • Moneyineptitude
    • By Moneyineptitude 31st May 18, 5:52 PM
    • 22,465 Posts
    • 12,020 Thanks
    Moneyineptitude
    Emcas sent me another letter of authority to sign because the other was invalid, I didn't sign it, I wrote to TSB to say I didn't want Emcas dealing with my case,
    Originally posted by Elainecity
    You wrote to the Bank to cancel your legally-binding contract with a Claims Company?

    You cannot do this. The Bank have no ability to cancel your contract.

    The original LOA may have been invalid for some reason, but the fact remains that you had already entered into a contract by signing the original. Refusing to sign a new LOA did not absolve you from paying the Claim Company.

    when I recieved a letter off TSB to say my claim was successful they accidentally sent Emcas the letter so now they want 33% what do you think
    Originally posted by Elainecity
    You agreed to them being your representative in all PPI complaints. Therefore the bank didn't make a "mistake"in informing them because they are required to do so.
    • Elainecity
    • By Elainecity 31st May 18, 6:51 PM
    • 5 Posts
    • 0 Thanks
    Elainecity
    Emcas
    Even though I recieved letters last December from Emcas saying I had no claim with TSB, I have recently put a complaint in with them because as far as I was concerned that case was closed, I did sign a new loa but that was for different things then obviously they found ppi on loans, they are still looking into my complaint, but do you think I have no chance of getting away from paying them
    • Moneyineptitude
    • By Moneyineptitude 31st May 18, 8:46 PM
    • 22,465 Posts
    • 12,020 Thanks
    Moneyineptitude
    do you think I have no chance
    Originally posted by Elainecity
    That's about the size of it.

    Happy to be proved wrong...
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

1,140Posts Today

8,352Users online

Martin's Twitter