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  • FIRST POST
    • droopy1
    • By droopy1 14th Oct 17, 11:12 AM
    • 36Posts
    • 3Thanks
    droopy1
    Anyone know of Commitments Protection?
    • #1
    • 14th Oct 17, 11:12 AM
    Anyone know of Commitments Protection? 14th Oct 17 at 11:12 AM
    Hello to all. Begining to feel that we got scammed.
    After winning a PPI, we didnt expect. We got cold called, then visited by COMMITMENTS PROTECTION Ltd.
    After a lengthy chat, their rep convinced us to part with over 900 upfront to check our NRAM mortgage, he said we had an excellent claim for being mis sold. And used a 23k carrot to get our payment.
    Now it seems, after a month of nagging them, our claim is not so good, and the 900 we paid was for a 'mortgage review' and nothing more.
    But if we want them to continue to try for the mis sold possible claim they want 700 more! But no guarantees, thats to pay for an 'expert witness' to review it this time!
    Has anyone fallen prey, or know anything of this company? Nothng much online!
Page 1
    • BorisThomson
    • By BorisThomson 14th Oct 17, 11:17 AM
    • 1,586 Posts
    • 3,420 Thanks
    BorisThomson
    • #2
    • 14th Oct 17, 11:17 AM
    • #2
    • 14th Oct 17, 11:17 AM
    It looks like you tried to be greedy and it failed. Sorry.

    What does the paperwork you signed say?

    (Looking at their website they do indeed offer a mortgage assessment as you describe.)
    • droopy1
    • By droopy1 14th Oct 17, 11:22 AM
    • 36 Posts
    • 3 Thanks
    droopy1
    • #3
    • 14th Oct 17, 11:22 AM
    • #3
    • 14th Oct 17, 11:22 AM
    Dont really know, my husband and I were seperated to sign the forms, hubby is blind, no forms were left, I assumed they left copies with hubby, they didnt. we have no copies and had to fight for 3 weeks to get a receipt for money paid. I assume the forms say what they want them to say, not what they told us they say.
    It felt like a slick scam at the time! We felt we were taken as mugs as soon as they left.
    • dunstonh
    • By dunstonh 14th Oct 17, 11:46 AM
    • 92,620 Posts
    • 59,937 Thanks
    dunstonh
    • #4
    • 14th Oct 17, 11:46 AM
    • #4
    • 14th Oct 17, 11:46 AM
    After a lengthy chat, their rep convinced us to part with over 900 upfront to check our NRAM mortgage, he said we had an excellent claim for being mis sold. And used a 23k carrot to get our payment.
    It is called advanced fee fraud. If you ever watched Hustle on BBC then you would know the format. Play to someones greed by telling them of a big payofff. However, to get that big payoff, they need to pay something up front.

    Now it seems, after a month of nagging them, our claim is not so good, and the 900 we paid was for a 'mortgage review' and nothing more.
    There are so few successful missold mortgages that this was the expected outcome. The 900 is where the company make their money.

    But if we want them to continue to try for the mis sold possible claim they want 700 more!
    And this is the known second stage. If you read old threads here on missold mortgages, you will see that second or even third attempts at money are made.

    But no guarantees, thats to pay for an 'expert witness' to review it this time!
    There is no expert witness. I run a financial services firm and use an independent third party to sample file check cases done by the advisers that work for me. A mortgage case takes about 1 hours to review. No specialists needed. That gives us a report on the suitability of the advice and the quality of the file. That is a professional company regulated by the FCA and they cost less than an unregulated CMC with no qualifications and not regulated in the area they are passing judgement on. You are being scammed.
    Last edited by dunstonh; 14-10-2017 at 11:51 AM.
    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.
    • droopy1
    • By droopy1 14th Oct 17, 11:55 AM
    • 36 Posts
    • 3 Thanks
    droopy1
    • #5
    • 14th Oct 17, 11:55 AM
    • #5
    • 14th Oct 17, 11:55 AM
    Ok I will consider myself told off!
    When we were asked for payment upfront, I immediately said no!
    And yes, after the 'nice' men left, I knew we were scammed! But still held out hope (as you do) that I was not the chump I actually was.

    Ok. I need to find a way to warn others!
    this company cant get away with this!
    • BorisThomson
    • By BorisThomson 14th Oct 17, 12:21 PM
    • 1,586 Posts
    • 3,420 Thanks
    BorisThomson
    • #6
    • 14th Oct 17, 12:21 PM
    • #6
    • 14th Oct 17, 12:21 PM
    You would have had a 14 day cooling off period. If you find yourself in this position again, please seek advice straightaway.
    • Copperboom
    • By Copperboom 6th Nov 17, 3:05 PM
    • 3 Posts
    • 0 Thanks
    Copperboom
    • #7
    • 6th Nov 17, 3:05 PM
    • #7
    • 6th Nov 17, 3:05 PM
    Sorry to hijack your thread but my husband and I are in the same situation with the same company. We paid the initial 820 and were told we wouldn't need to pay anything else however 6 months later they phoned saying they were ready to take it to the next level of solicitors and would need to pay 599 more and we said no. I asked for my money back which I was told I'd get if they didn't win the claim. I'm being told now that I need to pay 714 which is 599 +vat to continue and if we don't win we don't get anything back. I've said I won't pay more money but they're constantly pestering me and my husband for this money. Is there anything I can do? I have the one piece of paperwork my husband signed when we paid the 820.
    • Moneyineptitude
    • By Moneyineptitude 6th Nov 17, 3:09 PM
    • 20,154 Posts
    • 11,097 Thanks
    Moneyineptitude
    • #8
    • 6th Nov 17, 3:09 PM
    • #8
    • 6th Nov 17, 3:09 PM
    I won't pay more money but they're constantly pestering me and my husband for this money. Is there anything I can do?
    Originally posted by Copperboom
    Certainly don't pay them any more money.
    • Copperboom
    • By Copperboom 6th Nov 17, 10:32 PM
    • 3 Posts
    • 0 Thanks
    Copperboom
    • #9
    • 6th Nov 17, 10:32 PM
    • #9
    • 6th Nov 17, 10:32 PM
    Believe me, I won't pay anything else. Is there anyway to claim my money back at all?. Especially since the paperwork doesn't really say much.
    • -taff
    • By -taff 6th Nov 17, 10:40 PM
    • 7,407 Posts
    • 5,486 Thanks
    -taff
    Read the contract you had with them to see what this fee is supposed to cover
    • Moneyineptitude
    • By Moneyineptitude 6th Nov 17, 11:01 PM
    • 20,154 Posts
    • 11,097 Thanks
    Moneyineptitude
    Is there anyway to claim my money back at all?
    Originally posted by Copperboom
    As in the thread above, you've basically been scammed by what is tantamount to advance fee fraud.

    You won't be getting any of it back as they did indeed perform a "mortgage assessment", regardless of it not resulting in any windfall for you.
    • Copperboom
    • By Copperboom 7th Nov 17, 12:05 PM
    • 3 Posts
    • 0 Thanks
    Copperboom
    Ok thank you. My husband is going to contact them again and ask for all of their findings as we've paid for the work to be done so we should be entitled to the findings and we're going to look into claiming it back ourselves. The paperwork we have says that after the money we paid was paid the only thing left to pay would be the 30% they take at the end if we win.
    • Moneyineptitude
    • By Moneyineptitude 7th Nov 17, 12:37 PM
    • 20,154 Posts
    • 11,097 Thanks
    Moneyineptitude
    we're going to look into claiming it back ourselves.
    Originally posted by Copperboom
    You've been scammed. There will have been nothing for them to investigate in the first place. There is no mortgage mis-selling scandal.

    The chances of you being able to claim back a "mis-sold" mortgage are therefore virtually nil.

    Read the explanation by Dunstonh earlier in the thread.
    • -taff
    • By -taff 6th Dec 17, 6:09 PM
    • 7,407 Posts
    • 5,486 Thanks
    -taff
    reported as spam.

    If someone wants to find out what they do, they can go to their website. They don't need an advert for more scams here.
    • Christine P H
    • By Christine P H 11th Jan 18, 12:20 PM
    • 1 Posts
    • 2 Thanks
    Christine P H
    I was in the same position as Droopy1 and Copperboom. The company had successfully put in a claim for me for mis-sold PPI on my mortgage a few years ago (3 years PPI had been added to the mortgage, therefore I was then paying interest on it). I had confidence in this company due to this. They phoned me and said that the mortgage itself had been mis-sold and I agreed to meet with their rep. He was the same person who had done the PPI which again, swayed my judgement.

    I had previously paid the mortgage off and we discussed the broker and the fact that they had gone out of business. Much information was disclosed to me, including the account number and so on. The rep was very friendly and not at all 'pushy', but after an hour or so I felt it was time to wrap up the meeting.

    This was when I was told that I would need to pay 820 up front as mortgage investigation was different to PPI and that the case could take up to 12 months. The rep made a telephone call and said that the solicitor would be happy to take my case on. I asked if the 820 was all it would cost and was assured that it was, with 30% being taken if and when the money was won.

    I was also persuaded to join their 'Solicitor in a briefcase' at 10 a month. I did pay the 820 (stupidly) and signed the agreement, the rep gave me all of my paperwork in a folder. The rep left and I put my paperwork away. After a month I was clearing my paperwork out and found that I did not have a copy of the agreement - in fact all I had was information on Solicitor in a Briefcase.

    This was November 2016. To cut a long story short - many telephone calls (days and times logged) and emails, plus a visit from another Rep. followed over the next year. Finally had an email saying that they could not take my case forward as the Broker had gone out of business and that most of the money I had paid was for a finacila review!! It took them 12 months to tell me something that we had discussed at the initial appointment, and I did not need a financial review as I had no money.

    I emailed them a letter of complaint, demanding money back for poor service etc. and put a copy of the letter in the post just before Christmas 2017.

    I got an email from one of the Directors - Jon Maher - saying he had investigated my case and he upheld it. He offered me 430 as final settlement, I could take it further with the Ombudsman if I decided (I was given all information on how to do that). They deducted some for Admin and some of the orginal money was regarding Solicitor in a Briefcase. I have decided to take that refund and chalk the rest up to experience.

    So for anyone thinking of going for similar claims DO NOT PAY UP FRONT. I know people will still do it, as I have, but the Reps sent out are experts on this. Also, if you have done it with this compay at least, I suggest that you put together a concise report of what has been happening. Email it to jdm@cpluk.net and also send a hard copy by registered post to Jon Maher.

    I have been told by Mr Maher that refunds are made on 15th of the month, so watch this space. Hold on, refunds? Hmmmm, this has obviously happened before!
    • Terminator365
    • By Terminator365 7th Feb 18, 5:49 AM
    • 5 Posts
    • 1 Thanks
    Terminator365
    Commitments Protection & Solicitor in a Briefcase
    I do believe this matter warrants class action which I am happy to commence on behalf of anyone who has fallen prey to this Commitments Protection Limited or SIB.
    In my view there is a multitude of breaches not to mention the Data Protection Act.
    The directors ought to be personally held liable and both have adequate resources.
    Please leave this thread open so that we can expose this company through Watchdog!
    • andi9666
    • By andi9666 8th Feb 18, 11:46 PM
    • 23 Posts
    • 31 Thanks
    andi9666
    I have found this thread through searching the above company, they have also been pestering us again recently

    They previously sent us a letter a few years ago regarding PPI added to our mortgage. I researched it myself and contacted the FSCS who informed us as Mortgage Advice Services were no longer in business and the date was prior to the Jan 2005 legislation date we couldn't take the matter further.

    Commitment Protection are now saying that we may be entitled to 'compensation' for being sold the PPI and are trying to get an appointment to come and see us.

    I'm glad I've read the above today and they definitely won't be getting an appointment to see us now!
    • Nasqueron
    • By Nasqueron 29th Mar 18, 2:13 PM
    • 4,514 Posts
    • 2,664 Thanks
    Nasqueron
    .
    Originally posted by J9JDM
    Staff of firms (which you appear to be, at least in terms of how you address people) are not allowed to post on behalf of firms without MSE approval
    Last edited by Nasqueron; 29-03-2018 at 5:32 PM.
    • Moneyineptitude
    • By Moneyineptitude 29th Mar 18, 4:02 PM
    • 20,154 Posts
    • 11,097 Thanks
    Moneyineptitude
    Staff of firms (which you appear to be, at least in terms of how you address people) are not allowed to post on behalf of firms without MSE approval
    Originally posted by Nasqueron
    Always unwise to quote spam posts, Nasqueron, as they are rarely deleted along with the original post.
    • Nasqueron
    • By Nasqueron 29th Mar 18, 5:32 PM
    • 4,514 Posts
    • 2,664 Thanks
    Nasqueron
    Always unwise to quote spam posts, Nasqueron, as they are rarely deleted along with the original post.
    Originally posted by Moneyineptitude
    I flagged it as spam but wasn't sure if it would get deleted as they didn't seem to be advertising per se but yeah, edited anyway cheers
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