Hindsight is a wonderful thing.
I know now to not use CMC's
7 years ago I was very ill, very much in debt and not able to deal with anything myself.
What started as a friendly call re PPI (cold call is the correct term)
I was persuaded to allow a chap to call the next evening to discuss making PPI enquiries on my behalf.
He was quite pushy and to get rid of him by 9.45pm I signed blank forms with 'x' on the places to sign.
Foolish as hell and some will say I deserve all I had coming.
When you are depressed you do dumb things.
Heard nothing for 6 & half years until last week.
A big fat letter from Barclays upholding my PPI claim which had gone to the Ombudsman (news to me) and enclosing all the waffle and finally at the end a cheque for £3659.20 and advising that £454.85 was taxed - this I can reclaim as I don't pay tax currently.
Today I received a letter which is making me laugh
- it is from Family Money Savers Ltd acting as an agent for Key Financial Claims Ltd the firm that originally contacted me.
Firstly I now know KFCL has gone into liquidation which I would expect to null and void my "contract" .
More importantly I do not recall giving Family Money Savers my signed permission to continue on my behalf.
They state they have been appointed to collect the fees now due - £987.37 (24% incl vat).
I checked the insolvency records and can see no details of them being appointed in this capacity by the Liquidators.
I believe all liquidation action was completed this March 2019.
I do know that the same Director names are on Companies House for both companies.
Coincidence - methinks not as further web browsing confirmed.
Based on the premise that I see no evidence of either my approval via Data Protection for them to act on my behalf (no signature) or the fact that the original CMC
- Key Financial Claims Ltd went into liquidation,
should I accept this demand for fees for work allegedly carried out over 6 and half years ago?
I'm new here - be kind.