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    • hybernia
    • By hybernia 14th Apr 18, 12:56 PM
    • 263Posts
    • 207Thanks
    * Consumer Refund Service* What to do next.
    • #1
    • 14th Apr 18, 12:56 PM
    * Consumer Refund Service* What to do next. 14th Apr 18 at 12:56 PM
    This morning a letter popped through the door (addressed only to 'The Houseowner') from Consumer Refund Service Ltd. I've been around the block too many times ever to fall for a fancy name, no matter how impressive it might sound, so am aware that this is just another PPI claims firm chasing new business.

    My reason for posting here then is not to ask about this "service" but to ruefully admit that claiming PPI is something I've never seriously thought about until now. My own fault. The situation hubby and I are in is one which will likely be familiar to many on here, that of knowing we had PPI some time / whenever but have no documentation now to confirm that.

    The PPI we were required to pay was in respect of a re-mortgaging from Barclays in 1989. It was paid until 1994. We were given no option about having / not having it: PPI was a fixed condition.

    I've now read through the paperwork from Consumer Refund Service. I'm invited to sign up by post or complete an online form or telephone the company to ask for "your FREE PPI check". I'm told that the firm will then do the checking and, as for any claim arising, either I can make it myself or the firm will handle it on a no-win, no-fee basis.

    There's no mention of the commission chargeable in the event of a successful claim but I expect I'd be told that if I was inclined towards dealing with the company -- which I'm not. (The company's web address is; I have a distinct aversion to any commercial enterprise deliberately trying it on with that suffix . . .)

    What I'm wondering is this:

    If it's as easy as Consumer Refund Service makes out -- the claim document they'd like me to fill in is a single page seeking name and address contact details, and then a series of box-checkable financial institutions (of which Barclays / Barclaycard is one) -- then I might as well do it myself.

    Questions, then:

    Have others here gone their own way and lodged a PPI claim without resorting to a claims company? If so: how torturous was their experience?

    I should emphasise that OH and I are entirely realistic; a claim may succeed / may not succeed. Who knows?

    I've also no complaint to make about Consumer Refund Service, or its assertion "2m RECOVERED EVERY WEEK" because I'd expect sophistry from any outfit riding the PPI gravy train: the company seems remarkably careful not to say that it is recovering that amount of money each and every week, but merely. . . imply it.

    Yeah. Right. I believes ya.
Page 1
    • Nasqueron
    • By Nasqueron 14th Apr 18, 4:35 PM
    • 4,281 Posts
    • 2,505 Thanks
    • #2
    • 14th Apr 18, 4:35 PM
    • #2
    • 14th Apr 18, 4:35 PM
    If you use a claims firm you still have to provide all the information, evidence and complaint reasons as if you did it yourself, all they do is send off generic template letters which will largely harm your case as they will allege all sorts of stuff about the sale (even contradictory stuff like saying you didn't know you had it but you were forced to take it out). If you can complain to them, you can complain to the bank directly.

    If you took the mortgage out with the PPI with the bank, you could complain though if it was a requirement of the lender to have the policy or no loan, then there is no complaint - you accept it and take the loan or reject it and don't take the loan. Given the age and the requirement though, are you sure it wasn't MIG which WAS a mandatory product to protect the bank against you defaulting and was perfectly legitimate or possible life assurance which again, if it was mandatory to get the loan, isn't miss-sold
    • hybernia
    • By hybernia 14th Apr 18, 7:35 PM
    • 263 Posts
    • 207 Thanks
    • #3
    • 14th Apr 18, 7:35 PM
    • #3
    • 14th Apr 18, 7:35 PM
    Sincere thanks for that help, Nasqueron. Much appreciated.

    The passage of time has meant that we have absolutely no documentation in regard to the details of the re-mortgage, nor do we even recollect our account number with Barclays.

    Although I know it's fashionable (and in many cases, entirely justified) to go after 'evil' banks, it's actually not our style to hop on whatever gravy train may be passing by in vague hope of picking up. . . something: it can waste a third party's time and also get in the way of a third party dealing with issues of much greater, proven, credibility.

    Having considered your email, I've decided that no, we aren't interested. We won't attempt to pursue a PPI claim.

    Sincere thanks again.
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