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PPI CMC Pemberton Associates threatening court action over fees


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I naively filled out some PPI claim online Pemberton Associates ages ago, gave all info I had to hand.

“Electronically” signed all documents. Was sent something in the post which was lengthy, eventually completed & returned.

 

Cut a long story short but I started getting A LOT of emails from this company.

Regarding all sorts of things, claims against pay day loans, claims against all sorts of things, there was that much I lost track.

I was only ever really interested in PPI and I assumed everything I filled in was to do with PPI.

 

I got a final response saying once they’ve checked my credit history there’s only two companies I could claim against

- one being a mail order company (which I owe a mere £80 and the other being my current account, which at the time was overdrawn)

 

I replied saying I didn’t really see the point in perusing a claim against these for the reasons above.

To which they agreed.

 

I then started getting emails regarding some payday loan I took out a while back, asking me to send them a copy of some letter.

I had no idea what they were talking about and told them this, on top of the fact my balance was zero I didn’t understand why they were looking into it.

 

Fast forward a few weeks and they’re now saying I’ve breached the contract and that i’m Liable for cancellation fee’s if £360 for each company they originally persued (sure there’s about 12 all together)

 

The guy who was emailing me was horrible, very threatening, making out like I was lying, saying they’ve now realised I’ve breached the contract for a second time as I’d not returned documents (this isn’t the case - I’ve returned everything I’ve received)

 

I was getting no where with him, ended up leaving a lengthy yet honest review on trust pilot to which he replied saying if I didn’t remove it they’d sue me for damages. Cut a long story short he reckons he’s issuing court proceedings first thing tomorrow.

 

He’s literally not left me alone all night, threatening all sorts, telling me I am liable for court costs on top of the damages and fee’s already mentioned.

 

Apologies for any spelling errors, currently in the middle of something & frantically trying to explain myself on my phone!

 

Any advice greatly appreciated!

Edited by dx100uk
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cause he is

block the email address and bounce back any new emails.

 

writing only.

 

keep a copy of everything he's written so far everywhere

as this will be useful for an harassment claim.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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is that the right name?

I cant find any trace of them?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

I did look but couldn’t see any option to block/bounce back emails. Thinking it’s only doable on a desktop, will have to look when I’m at work tomorrow. Shocked at some of his responses - very unprofessional which obvs rang alarm bells, still made me panic though. Thanks for the reply!

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

stay off that phone too IF you are using that to them

 

so claiming:

(Failure To Return ‘FTR’ such as ID, Credit File, or Previous Address(es) to verify your identity).

 

FTR (Pre Audit) £50.00 + VAT

Post Confirmed Claim: £150.00 + VAT

Post Audit: £300.00 + VAT

No Claim Confirmed: £0.00

 

what didn't you send then?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Initially they said they were invoicing me for one lot of £360 as I’d failed to send them a copy of a letter from the pay day loan company, queried it as I wasn’t even sure what letter and hadn’t kept anything anyway as it was so long ago. Plus the fact I was only interested in PPI/bank charges so questioned why they were now looking into an old, settled payday loan...Contacted the pay day loan company and asked for a copy of what they were asking for, forwarded it to them just to get them off my back.

 

Once I’d sent it I then got a further email saying on review they noticed I’ve failed to send back signed paperwork/authority, breaching the contract again. I explained I thought I’d sent back everything I’d received so couldn’t understand how this could be the case. I also questioned how they’ve been able to proceed if they don’t have my signed authority.

I was then told this refers to a claim for insurance matter and this was a totally separate matter.

 

Completely confused I started to question him, told him I’ve never been interested in claiming anything to do with insurance.

Rightly or wrongly I was by this point fairly wound up & I then left the trust pilot review ��

He proceeded to say I was contradicting myself and this was his response:

 

“As you have now made comment within the public domain, you are now liable for liable to which is accountable for damages.

 

These can range from a few hundred to several hundred thousand pounds.

 

Given the comments made which are defamatory and unfounded, we urge you to quickly remove or to seek immediately legal advice.”

 

��

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talking rubbish

sounds like they are trying to spoof you out of fees they are not entitled too.

 

pers I think i'd stop all comms and simply await their fictitious letter of claim.

 

changers IMHO

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 10 months later...

please start a new thread

of your own, this one is for advising user1301

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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