I really hope this inspires others who are being brow beaten by these firms. Can't thank you enough:-)

Well, I really want to share this result with to you and hope it might inspire others. Received another letter demanding immediate payment and threatening me with legal action, CCJs etc. E mailed them to say I was in the process of contacting the Ombudsman. On Saturday I received another letter:

"I refer to your e mail dated 02/09/16 and am sorry you are unable to accept your response to your complaint dated 5/08/16.

Whilst we respect your wish to refer your complaint to the Legal Ombudsman Service, I can confirm that we want to try and reach an amicable resolution to your complaint and we are therefore willing on this occasion to clear the outstanding balance on your account of £679.31"

So with the help of yourselves I have managed to thwart their bully boy tactics and have a great result! They have backed right down and there will be no more demands for anything.

However, there is an amusing postscript to this... The Claims Guys rang me this morning. (You couldn't make this up!)

"Hello Mrs B. Good news. We have found your Northern Rock account has PPI" I will be claiming it myself this time!!!

You couldn't make it up.

With great thanks to Consumeractiongroup x

No. I never signed any letters of authority. TCG are very misleading. They say they will find out if you have PPI and if they find some you can either get them to do the rest or you can do it yourselves.

Just a update. I have received a letter from TCG asking for immediate payment and threatening court action if I do not pay them within 7 days. Would it be advisable to contact the Ombudsman just to be on the safe side? Thank you in advance.

No, I am not.

I have just donated to your site. I cannot thank you all enough for your help and advice.

Hello again.

After receiving no response to my e mail (and getting a text threatening action the same day)

I posted my complaint recorded delivery.

A week later i received a posted reply from The Claims Guys who said they were responding to my e mail.

No mention of receipt of recorded letter!

My complaint was carefully worded.

wrote that they had conducted a thorough investigation into my complaint.

stated that they accepted that I felt pressured and that it is no way the CG intention 'to pressure our customers into allowing us to complete claims on their behalf'

go on to say that' I completed the questionnaire over the phone and verbally authorized TCG to conduct claims on my behalf'

they have reviewed the call made on 18/05/16 and 'accept that it is not up to our usual quality standards'

"We accept you haven't returned the Letters of Authority sent with our questionnaires.

However they were not needed as you had already given us your verbal authority to proceed."

they are disputing the need for a written consent.

"WE are sorry if you are unhappy with our payment requests.

In line with our Terms of Engagement our fee becomes due and payable at the point of offer

We wish to reach a swift and amicable resolution to your complaint

and I can therefore confirm that we are willing to reduce the current outstanding balance on your account by £50%.

We feel this is fair and reasonable under the circumstances.

With the reduction applied we can confirm there is currently an outstanding balance of £679.34.

this their final offer and if I remain unhappy

I| can refer my complaint to the financial Ombudsman within 6 months of the date of this letter.

I e mailed my complain to the TCG's e mail complaints address yesterday.

I got no response but they sent me a text threatening legal action if I do not pay them within seven days.

I sent the same e mail this morning and once again no response.

I have now written a letter to post.

They seem to have chose to ignore my e mails so I will give this a go.

Thank you I have now made a letter of complaint to TCG. I will let you know their response.

Doing right now! Thank you !

Hi there.

The only form I signed was the initial one where they asked me to list any loans etc that might have PPI.

After that I didn't sign anything else as the Claims Guyys in their ad clearly stated that they would find out if I had PPI and then the choice was mine to go with them or do it myself

. I now find their ad very misleading as I was hounded by them afterwards

. I think the lesson I have learnt is to steer clear of companies like this

and make an effort to do things myyself.

I havve found this forum very very helpful and I thank everyone.

Thank you. It is a weight off my mind

Thanks for that.

It was good to read.

I have tried to scan the original Letter of Authority which I did not sign

. It has in large letters MUST BE signed (and dated).

The Claimes Guys never asked me if I wanted to do things myself but grilled me on the phone. I haven't signed anything so should i just dismiss it?

Thanks.

The questionnaire was a general one where I listed all the loans/credit cards etc which I had held

TCG have been texting me all day saying my payment is severely late and threatening further action. I did fill in the questionnaire they sent me. However I never signed any authorization papers. To be honest I don't want to answer the phone as their tone is so aggressive

I sent the questionaire to TCG.

Thank you. They are constantly demanding their money but I have not signed anything.

Dear Sir/Madam

I hope that I have put this in the right place and apologize if I have not. I am new here so thank you in advance.

Some time ago I saw an advert for the Claims Guys which said that they would find out if I had PPI

and if I did they could claim it or I could do it myself.

I thought that this was fair enough, that they could find out if I had PPI and I could do it.

They sent me heaps of paperwork.

I filled in three questionnaire about my bank details etc.

Black horse contacted me direct on the phone and questioned me about my mis sold PPi which they refunded.

Then the Claims Guys rang me regarding the loans at Barclays.

They were on the phone for ages and I kept saying that could I not do it myself?

The man from TCG got rather disgruntled and said that we had spent 40 minutes of his time

and pressured me into agreeing.

He then told me I had 28 days to cancel.

He told me to sign and return the paperwork which I did not do.

Barclays paid up very quickly and immediately the Claims Guys were telephoning me asking me to pay by Credit Card asap over the phone.

Their tone was increasingly aggressive.

I told them about the 28 day cancellation period and they said it was 14 days.

I asked them to send me the transcript and they sent me an earlier conversation in March

which did not mention the 28 days, it was the wrong conversation.

The conversation I had lasted well over 40 minutes.

I have picked over the terms and conditions of the Claims Guys and it looks to me that any valid agreement should be confirmed in writing.

There is no verbal agreement.

Since then I have about 8 calls and texts a day at all hours and I do find this threatening.

Can anyone give me some advice as to how I should proceed? Thanks you.