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Dav5271

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  1. Hello. My wife recently, out of laziness more than anything, returned a document to Consumer Claims which suggested she may have had PPI on a number of accounts. One of the accounts with HBOS did have PPI and the company pursued this on her behalf. However when HBOS were corresponding they did this directly with my wife and not through CC. At first she redirected the correspondence to CC and eventually got a letter back to say that they did not feel that PPI was missold. My wife then contacted HBOS by letter and made further representations and a couple of weeks later got correspondence to say that the case had been reviewed and she was to be paid £878. They then took out roughly £75 for tax and she recived a cheque for about £800. A few weeks later CC contacted her to say as a result of their corresponding with HBOS a settlement had been agreed and she now owed 39% of £878. Two things: 1. As the payment was made as a direct result of my wife's correspondence and not the communication by CC which was refused, can I negotiate a lower fee with them? 2. As my wife only received £800, should CC be entitled to claim a percentage of the full amount including the tax as this was not awarded to her? Any help you could give would be very much appreciated.
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