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    • Particulars?  I don’t have a copy of the initial form I submitted to court I am afraid,  although it was very brief, stating when and where purchased, the price £250. that I would like a refund of the amount paid,  that as previously stated in the letter, I wasn’t happy with the product and I didn’t feel it was fit for purpose,  that the wires melted and nearly caught fire   i am sorry if this isn’t the correct information, this is why I need help! i do not understand how court works and what is involved  many thanks Ellen 
    • No need to wait, BN. Peston and Sky have both put the information on Twitter, probably others.
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      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
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Cento Client Review and missing loans.co.uk data


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got done today be cento, the fee must have gone up, i paid them £149 over the phone & they said they would be sending the forms out to me in the post so i'll be on the phone to them first thing in the morning asking for the fee back as i have not signed anything yet. I cant believe i've been taken in by these people but when you are desperate i suppose you try anything for a way out !

 

Hi Potless

 

It is a pity that you did not research them before parting with your £149. Insist that they pay you back and keep at them until you do.

 

I have read a horror story on Money Saving Expert, where they want the guy to stop paying his monthly money Northern Rock and pay the money to their solicitor instead £265. When I spoke to Cento they said their solicitors were Forbes Douglas, but having done some research they are not solicitors but just a claims management company. I belive this guy will get into loads of problems including being defaulted by Northern Rock and possible repossession.

 

If have a chance also do some research - you just have to google Cento Client Review....

 

Also, did you at anytime have any dealings with Loans.co.uk?

 

Also, remember anything they can do for a fee can be achieved here on CAG free of charge and you will not be putting yourself at risk.

 

Tuttsi

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I might be wrong - but I thought loans.co.uk were part of the GE Money group - with companies like Purple Loans etc..

 

Not sure if that helps at all - but GE have a huge list of companies that belong to them.

 

Hi Elizabeth

 

Loans.co.uk are connected to MBNA who in turn is ulimately owned by the Bank of America. I have done a full and thorough search of each directors at Loans.co.uk, many of them are also directors of MBNA's different companies as well as many other companies. Not one of them are connected as directors to GE Money. But I do know for sure that GE Money is also connected to MBNA as part of the same group and I fully intend to do a full director search on GE Money to see where else there directors are based.

 

Tuttsi xx

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Hi Tuttsi & all. spoke to cento this morning & i got through to a customer service manager who offered to give me a refund but after a few insults i threw his way calling them a [causing problems] co etc i listened to what he had to say & if at any time i am not satisfied i can still get a refund, i also told him i am not happy to pay any future credit card payments to any solicitors which he said was fine they can work around that & i am happy to give them the benefit of the doubt for the moment & i'll see what they come back with.

Regading Forbes Douglas, i have found another company who they are involved with:

 

Refunds Direct Limited 23 Westfield Park, Bristol, BS6 6LT - Company Registration no: 05072219

Registered HM Revenue & Customs Agent: M8972R - Data Protection Registration no: PZ9940647

Refunds Direct Limited is regulated by the Ministry of Justice in respect of regulated claim management activities;

its registration is CRM16309 and is recorded on the website www.claimsregulation.gov.uk

 

Does anyone know anything about these people ? They all seem to have a registration number with the claims registration governing body.

Be good to find anybody who has had a success with cento review.

 

i'll keep you all informed on how i get on with them...

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Hi Elizabeth

 

Loans.co.uk are connected to MBNA who in turn is ulimately owned by the Bank of America. I have done a full and thorough search of each directors at Loans.co.uk, many of them are also directors of MBNA's different companies as well as many other companies. Not one of them are connected as directors to GE Money. But I do know for sure that GE Money is also connected to MBNA as part of the same group and I fully intend to do a full director search on GE Money to see where else there directors are based.

 

Tuttsi xx

 

Thanks TUTTSI - I knew there was some kind of link to GE - I just couldn't remember how they linked in.

 

I just thought it was worth a mention - cause Loans.co.uk and purple loans always target GE customers offering refinance etc.. - it's always worth researching these flyers to look at the backbone of these companies cause there are usually links to companies there.

 

These flyers are not usually as innocent as we first thought :rolleyes: there's usually a load of data sharing going on etc..

My CCA skeleton argument to use in court -

http://www.consumeractiongroup.co.uk/forum/cabot/115280-useful-information.html

 

Useful Letters (CCA request is letter N)

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

 

CAG A-Z list of useful places in CAG -

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/69359-cant-find-what-youre.html

 

Introduction to Consumer Litigation -

http://www.consumeractiongroup.co.uk/forum/general-debt/108467-basic-introduction-consumer-credit.html

CABOT THREADS -

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/131321-cabot-threads.html

 

ALWAYS SEEK A PROFESSIONAL OPINION FROM QUALIFIED ADVISORS - any advice offered is from my own experience and knowledge - I am NOT qualified.

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Hi Tuttsi & all. spoke to cento this morning & i got through to a customer service manager who offered to give me a refund but after a few insults i threw his way calling them a [causing problems] co etc i listened to what he had to say & if at any time i am not satisfied i can still get a refund, i also told him i am not happy to pay any future credit card payments to any solicitors which he said was fine they can work around that & i am happy to give them the benefit of the doubt for the moment & i'll see what they come back with.

Regading Forbes Douglas, i have found another company who they are involved with:

 

Refunds Direct Limited 23 Westfield Park, Bristol, BS6 6LT - Company Registration no: 05072219

Registered HM Revenue & Customs Agent: M8972R - Data Protection Registration no: PZ9940647

Refunds Direct Limited is regulated by the Ministry of Justice in respect of regulated claim management activities;

its registration is CRM16309 and is recorded on the website www.claimsregulation.gov.uk

 

Does anyone know anything about these people ? They all seem to have a registration number with the claims registration governing body.

Be good to find anybody who has had a success with cento review.

 

i'll keep you all informed on how i get on with them...

 

I did a TV interview today with BBC 1 which should be shown all being well on Saturday 7am - 9am other interviewees include the Ministry of Justice, Citizen advice and another consumer who actually paid £265 to one of these companies.

 

There is also press release to day on another on of these companies called UPI Ltd who I believe use the same call centre as Cento and who who have been fined fined a lot of money. Please google UPI Ltd and Cento Client Review and do some more research.

 

Please read this about UPI http://blogs.mirror.co.uk/investigations/2009/06/upis-bank-charge-claims-dont-s.html#more

 

I wish you luck with your quest and please keep us posted.

 

By the way the company called Forbes Douglas that Cento call their solicitors are only a claims management company and are definately not solicitors as Cento claim that they are.

 

Also from all the company searches I have done so far none of the companies have been trading long enough to have accounts.

 

Tuttsi

Edited by TUTTSI
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the "Incorporation Date 03/07/2008", is this when the company was first formed ? if so the guy on the phone said they had been trading for 3 years !

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the "Incorporation Date 03/07/2008", is this when the company was first formed ? if so the guy on the phone said they had been trading for 3 years !

 

Yep thats right, not long enough to have accounts and or have a track record and certainly not been trading for 3 years. They are also linked to to another company called mysimpleclaim Ltd.

http://c-pages.co.uk/simple1/contact.html

Good luck

 

Tuttsi

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asked for my money back yesterday & cento said i need to send the pack back which they sent out before i get my money back, it came today which i sent straight back recorded delivery to:

 

Cento Client Review

9 Axis Court

Riverside Business Park

Mallard Way

Swansea SA7 0AJ

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Unfortunately my interview was not shown on the BBC 1 news yesterday morning but this is the blog from the BBC website.

 

Ministry warns on debt write-offs

 

 

By Brian Milligan

Business reporter, BBC News

999999.gif

 

_45875045_sharrock226.jpg Mr Sharrock says he paid a fee but received no service

 

The Ministry of Justice has warned consumers about the dangers of trying to get debts written off.

They say hundreds of claims management companies are charging large up-front fees, and making misleading claims about the chances of success.

Steve Sharrock, an oil engineer from Manchester, received a phone call from one such company, out of the blue.

They told him there was a 99.9% chance that they could get his credit card debts written off entirely.

This was because the credit card companies may have made mistakes in the paperwork which would breach the Consumer Credit Act.

'Con'

But after paying an upfront fee of £275, Mr Sharrock never heard from the company again.

"It's just a [problem]," he told the BBC.

o.gifstart_quote_rb.gif If there is a genuine issue about debt, the right thing is to talk to your lender first, not to find some other way of wiping your debt end_quote_rb.gif

 

 

Kevin Rousell, Ministry of Justice

 

"They're obviously only concerned about getting money off you as quickly as they can. It's a con."

The company that approached Mr Sharrock wasn't licensed by the Ministry of Justice.

But even amongst more legitimate claims companies, consumer groups say the assertions they make in their adverts are often misleading.

Typically one company claims on its website that "80% of all credit agreements may be unenforceable".

In other words, the chances of getting your debts written off are high.

'Talk to lender'

But the Citizens Advice Bureau believes such figures are completely unrealistic.

Sue Edwards, the CAB's head of consumer policy, says the chances of getting any debts written off in this way are "probably quite slim."

The Ministry of Justice has already issued two warnings about such claims. But with new companies springing up every week, the ministry is struggling to keep up with them.

Kevin Rousell from the ministry suggests consumers should never pay any money up front, and they should find other ways of getting rid of debt

"If there is a genuine issue about debt, the right thing is to talk to your lender first, not to find some other way of wiping your debt," he said.

The Ministry now has a team of 34 enforcement officers in the Midlands, including five new recruits. Their job is to crack down on misleading claims, and, if necessary, remove operating licences.

'Angry'

But it isn't only people with credit card debt who are being targeted by the claims companies.

Denise Silverstein, from north London, was surprised to receive a phone call in April, from a company offering to wipe her mortgage debt of £3,000. In fact she had paid off the mortgage some time ago.

She was asked to pay £50 up front, but "found out at a later stage that they would take another 20%".

She was also upset that she and her husband had been cold-called, on an ex-directory number.

"I feel very angry," she added.

A judge at Chester Crown Court has estimated that as many as 100,000 people may now be trying to get their debts written off via the courts. So even if some of them are eventually successful, it will take a long time for their cases to be proven.

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Hi all,

 

just read your info about Cento Client Review! only wish i'd done this before i paid them £149.99 last month! via being cold called!! and told they would help with several issues i have one being an endowment morgage!!

but also when you recieve there pack they also want another £10 cheque or postal order payable to the lender per claim which i was not told about!! i contacted them with in the 14 days cancellation period saying i was not going to give them anymore money!! they then said they would waiver the £10's then unfortunatly i was taken ill and been to hospital as torn 2 disks in my back so 2 days ago i re contacted them as i have found out and they confirmed you can not claim if cards have been paid off and over 6 years also loans over 6 years and my morgage i had a problem with was taken out in 1993 and an endowment morgage which i told them!! and we re morgaged june 2006 which is the only claim they can possibly help us with but we have been very happy with this bank!!

my husband said forget it we are not sending them any personal detail looks like a [problem] and im very upset i was taken in!! i have contacted them today and they have said they can refund my £110 once i have returned there pack 1st!! as a good gesture MMM! but charge me £39.99 admin fee!! which i still feel is too much but if i send them my new morgage details they could look into this and if no claim could be made would give me full refund!! funny how they can then!! but not NOW!!

I only hope people read this first and not part with any money!! i will repot this to the ministry of justice and all goverment bodies i can untill it is delt with!! i feel such a fool to be taken in!! also interested to see that some of you say about having there data stolen via loans.co.uk which i also did so yet another connection!!

At least i dont feel alone in this!! they are so unfair to keep hounding people who have already lost money and feel betrayed by the legal system and banks etc

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If you have a call from Cento please make a note of callers name, time and date of call and the telephone number you were called on and send it to info@centoclientreview.co.uk and ask that the call be reviewed with an outline of any misleading claims they may have made.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Thanks Your Bank, you have given very sound advice, not just for Cento but any of the Claims Managagment Services.

 

This is the interview which I had in the NEWS OF THE WORLD today.

Families are being ripped off by dodgy claims companies | News | News Of The World

 

Misty3, I am very sorry that were unable to research this company before parting with your money. Please let us know what the MOJ say when you write. Also, write a letter of complaint to Cento Client Review, tell them how unhappy you are that they misled you.

 

Thankyou also for confirming the Loans.co.uk... I am still working on this and hope to be writing to the ICO and Watford Police in due course.

 

Other people have returned the pack and have eventually got their money back. I would send it back by special delivery - signed for... and then nag them every day till the cheque arrives. It appears that they do not refund by credit card, which I find odd.

 

If I can help any further please let me know - we are all in the same boat and the idea of our personal data being sold on again is a great worry.

 

Tuttsi

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Hello Tuttsi,

 

This is a very informative thread and many thanks for the info in your posts and highlighting this problem in your news article.

 

Love to you and your family.

 

Termi

x

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Hi all. As most of you know by now I have had some big probs with my mortgage company who I also have a secured loan with. I have been trying to get something on them for some time now. I feel I was mis sold my mortgage as I origionally contacted a company called TML who said they would "search the market" for my mortagage. This market searching gave me a mortgage with Kensington Mortagages who actually owned TML and at the time I had no idea they were sub prime. I also feel ripped off with my secured loan again with Kensington and was hoping to go down the unfair relationships route with that but due to my lack of knowledge I have had to put it all on hold.

 

Any way today I had a call from a comapny called Cento Client Review who are based in Swansea. They say they are working with the Ministry of Justice and that the solicitors are called Forbs and douglas (may have spelt that wrong). It is all done on a no win no fee basis and if I win they take 25% off the winnings which I thought was actually resonable. Cento wanted an upfront payment though of £99 which I could ask for back if I dont wish to carry on. Also if I dont win they pay it back as well. The website is www.centoclientreview.co.uk. Now usually I dont believ in paying out to these sort of companies for things you can do yourself like bank charges and PPI ect ect but like I said this is out of my debth any way. What do you all think????

 

olives xx

 

 

Olive, if the issue is the misselling then it will be TML that you will have to sort out, although owned by Kensington legally they will be a seperate company, you will have to prove that TML did not search the whole of the market and you were not informed they would not search the whole of the market.

 

you need to look at the original Fact find and determine what type of advice they told you they were going to give you, on the back of that you may have a claim. When did you take the mortgage out?

 

Meph

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Hi just letting you know i am supporting you,i know how you have been treated by Kensington.As someones just asked on your thread ,what date your mortgage,loan was taken out,i feel i know.It was when kensington,moneypartners and tml were drinking out of the same cup.Tml were sold by Kensington http://www.citywire.co.uk/adviser/-/news/market-and-shares/content.aspx?ID=282798 and went into administration shortly afterwards and http://www.dailyecho.co.uk/news/2029154.collapsed_tml_owe%20d_1_6m/ i have got info on the lot of them,they make you sick.All subprimers do.To make things right with everyone would cost so much,and probably wont happen no matter what investigations are carried out,FBI are investigating in America and say it could take years.Some things are so transparent they dont need evidence,to us anyway.Advertising and promotion expenditure incurred by the wholly owned subsidiary

TML Financial Solutions has been reclassified from fees and commissions payable

to operating expenses.

2005-Kensington-mmm----------14 Jan 2008

Goldman Sachs buys Money Partners

 

Speculation surrounding the future of specialist lender Money Partners ended last week with the news it has been bought by Goldman Sachs.

 

Money Partners appointed Pricewater*houseCoopers last Sep*tember to help it source outside investment, amid concerns over funding lines after the near-complete shutdown of the securitisation market (mortgagesolutions-online.com, 27/09/07). The move means Money Partners will be the only UK lender to be owned outright by Goldman Sachs – the only investment bank to escape write-downs in the aftermath of the US sub-prime crisis.

 

Money Partners declined to comment on how the business might change as a result of the deal.Best wishes Olive family from Tawnyowl who will allways support you with your battles with Kensington,right down to the wire.Anyone who disagrees with fighting the Kensingtons of this world please dont try to change my opinion as i wont try to change yours,lets just agree to disagree.And as for Investec buying them-- http://www.independent.co.uk/news/business/news/south-african-bank-pays-163283m-for-troubled-kensington-mortgages-451128.html the market was allready going pear shaped in America,but thats another story.Bye for now Tawnyowl best wishes to you and your family.

user_online.gifforward.gif reply_small.gif

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Hi all. I have not been on the forums for a little while. I have had a few things to deal with at home and my poor old brain just could not cope. i am getting on top of it all now so I am back.

 

I have just read all of these posts and there is so much info. The phone calls have stopped now so they must have got the message.

 

Mephistopheles, Thankyou for ther advice.. I just donot know where to begin with this. I took the mortgatge out around 2003. It was a re-mortgage. I can't even remember why we done it. TML are no longer around. Kensington shut them done a few years back. This is why I am a bit stuck. How can I complain to a company that no longer trading. They were defo searching the market as even the T.V ads said this would be the case. I just find it odd that they sold us a mortgage that was from a company that owned them and then had the courtisy to charge us over £2000 for the privelige which went on the mortgage as well.

 

Tawny, your support is greatly received. It is so great to hear from you. Hope you are keeping well.

 

Tuttsi, I am gonna PM you.

 

thanx all

 

olives xx

Next Directory £215 NO CCA ***WON***

 

Littlewoods Visa*** WON ***

 

Littlewoods evenmore£496.47 COURT CHARGES£296.84 PPI £575.52

Littlewoods LX £0.00 COURTCHARGES £327.68

Choices for you S.A.R owe £362.02

Additions Direct £1400 NO CCA

 

HUBBY

Bank of Scotland Prefernce account £296

Capital One £300CHARGES£1135 TAKING COURT ACTION

 

also owe big to

Bank Of Scotland £10000 sending cca reqest

British Credit Trust £6000

 

Fighting For Family

MUm,***WON ***Barclays for hardship just need to get the last little bit. Chasing LLOYDS TSB for hardship

Bro, HBOS PPI mis selling ***WON***

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Hi all. I have not been on the forums for a little while. I have had a few things to deal with at home and my poor old brain just could not cope. i am getting on top of it all now so I am back.

 

I have just read all of these posts and there is so much info. The phone calls have stopped now so they must have got the message.

 

Mephistopheles, Thankyou for ther advice.. I just donot know where to begin with this. I took the mortgatge out around 2003. It was a re-mortgage. I can't even remember why we done it. TML are no longer around. Kensington shut them done a few years back. This is why I am a bit stuck. How can I complain to a company that no longer trading. They were defo searching the market as even the T.V ads said this would be the case. I just find it odd that they sold us a mortgage that was from a company that owned them and then had the courtisy to charge us over £2000 for the privelige which went on the mortgage as well.

 

Tawny, your support is greatly received. It is so great to hear from you. Hope you are keeping well.

 

Tuttsi, I am gonna PM you.

 

thanx all

 

olives xx

 

 

Hi Olive,

 

back then, it was common practice to say that, wrong I know but many brokers where little more than conduits to the lender, seems like exactly what happened to you. As to come back, well that's pre-regulation days and therefore enforcement is somewhat voluntary through the CML (if kensington where even a member at the time and through MCOB rules, non enforceable guidelines).

 

You can still complain to the company, you just need to find out who owns it or its debt or liability, given the close connection to Kensington, there complaints fept is the best step outlining that their wholey owned intermediary told you it would search the whole of market for you. Did you at that time have any credit issues? CCj's arrears etc, see what their response is, then revert with a letter about misselling and request they investigate or you will refer to the ombudsman.

 

Meph

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Hello Tuttsi,

 

This is a very informative thread and many thanks for the info in your posts and highlighting this problem in your news article.

 

Love to you and your family.

 

Termi

x

 

Thanks Termi,

 

There was a lot more that was said but the time was cut and the bare minimum was put in. The interesting thing is that the MOJ - have said that you should not be paying an upfront fee.

 

Anyone who has been cold called by any claims management companies should complain to the MOJ.

 

I will let you have my autograph, next time we meet?

By the way when is the next London meet?

 

Just to let everyone know I actually made contact with Loans.co.uk Director yesterday and he is looking into all my concerns with regards to the stolen data back in 2007 and hopefully he is going to help me resolve this matter, but only time will tell.

 

Tuttsi x

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Hi Potless

 

It is a pity that you did not research them before parting with your £149. Insist that they pay you back and keep at them until you do.

 

I have read a horror story on Money Saving Expert, where they want the guy to stop paying his monthly money Northern Rock and pay the money to their solicitor instead £265. When I spoke to Cento they said their solicitors were Forbes Douglas, but having done some research they are not solicitors but just a claims management company. I belive this guy will get into loads of problems including being defaulted by Northern Rock and possible repossession.

 

If have a chance also do some research - you just have to google Cento Client Review....

 

Also, did you at anytime have any dealings with Loans.co.uk?

 

Also, remember anything they can do for a fee can be achieved here on CAG free of charge and you will not be putting yourself at risk.

 

Tuttsi

a claims management company is a business that offers claims management services to the public. which is carried out by solicitors specializing in advice or services in respect of claims for

compensation, restitution, repayment or any other remedy for loss or damage, or in respect of some other obligation

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a claims management company is a business that offers claims management services to the public. which is carried out by solicitors specializing in advice or services in respect of claims for

compensation, restitution, repayment or any other remedy for loss or damage, or in respect of some other obligation

 

a claims management company is also a business that can't do anything, that you can't do for yourself ;).

Remember if you find anything I say helpful, please click the scales

 

 

tbern123 vs Cabot

  1. Cabot again !!! Urgent Help Needed
  2. Litigation - tbern123 V Cabot Financial (Uk) Limited
  3. No more calls from Cabot... lol

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I haven't read through the whole thread, so I don't know if I'm repeating something already provided by other eminent caggers.

 

I've recently learnt some stuff on "no win - no fee" (NWNF). As I understand it, there are two types of NWNF fee arrangements: conditional fee agreements and the other one:D!

 

The conditional fee agreement is one where there are no up front costs. If you win your case out of court the solicitor will take 25% of any monies recovered (which I believe can still be claimed from the other side - not sure:idea:). If you end up in court, you have to pay, on winning, all the basic costs of the solicitor.

 

With the other one, you pay an up front base fee of around £300 for the solicitor to consider your case. Thereafter (again if you win), all costs are recovered from the other side.

 

In both instances, solicitors are allowed to up their fee rates as they have to take some preliminary cost risks. If you lose, the losses are insured (insured by the solicitor). Ultimately, whichever way it goes, if a solicitor is willing to operate on a NWNF basis, chances are you have a good case.

 

Now let's deal with the intermediaries. There are companies being set up in a business that is potentially worth £5 billion (or so I've read somewhere) that will "package" mis-selling claims and for a fee will "audit" CCA regulated agreements for enforceability or deal with PPI claims etc. There will be honest johns out there with panels of solicitors who will do what they say, as they state on their particular tin, but there are others that will no doubt set up, take the money (usually up to £300) and either, they'll do an "audit" and then tell you that you have no case, or you'll never hear from them again.

 

Unfortunately, the distress of so many debtors is such that this is inevitable - where there's the smell of raw cash there are sharks - if there weren't this forum would not exist:(.

 

I wouldn't hand a bean over to these people; you're better talking to recognised charitable organisations who might be in a position to put you in touch with solicitors they know and trust - or carry on doing it yourself.;)

 

M1

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a claims management company is a business that offers claims management services to the public. which is carried out by solicitors specializing in advice or services in respect of claims for

compensation, restitution, repayment or any other remedy for loss or damage, or in respect of some other obligation

 

 

 

OK, the story so far,

 

1. Basically, I have not heard of one person so far who has been sucessful, but that is not to say that there have not been any.

 

2.The solicitors they have stated to many people that they use are Forbes Douglas, I have evidence from the MD of Forbes Douglas that they are not solicitors and neither do they have any solicitors employed by them, they are in fact another claims managment company. So again if they make these references you must check out what they are saying is correct.

 

3. If your claim progresses to the next stage they will ask for more money and they will also get you to sign away in addition 30% of any money they recover.

 

4. If you decide to use them, you should check their T & C's before entering into any agreement IMHO before you pay any money over.

 

5. Get everything in writing before entering into any agreement, usless you are recording your phonecalls.

 

6. Do your research before using them or any other claims management company, before parting with your money. There are loads of resiurces on the internet.

 

7. Anything they can do for you you can do for free, with the help of consumer web sites like CAG.

 

8.They told me that I had £3K to come back from a particular previous mortgage company, this was not true as I have checked it out, I did not take PPI and neither did I have £3K of Mortgage charges. The mortgage payments were much more than £3K so where to they get there figures from.

 

9. Also, it is worth remembering at the time of their phonecall to you they are not privy to your Bank,Mortgage,Creditcards and Loans so how can they pluck figues out of thin air and advise you what you have to come back.

 

10. They have been known to tell people to stop paying their loans and pay the money to their solicitors, on no account must anyone do this as it is not advisable. Seek solicitors advice from someone you trust as you could end up in default and your record would be damaged.

 

11. When they phone you, did should ask where they got your personal data from? they are not allowed to cold call. They told me from the FSA - that is not true.

 

12. Never give you personal data to anybody that calls you on the telephone this includes you credit/debit card numbers, without first checking them out.

 

Finally, if you feel they have misled you or that they cold called you, this will make them in breach of their conditions for holding a Ministry of Justice Licence, then a complaint to the MOJ is very important. 100 companies with licences have had them suspended ot cancelled.

 

Claims Management Officer

Claims Management Regulation

Monitoring and Compliance Unit

57-60 High Street

Burton on Trent

Staffordshire

DE14 1JS

www.claimsregulation.gov.uk

Telephone: 0845 450 6858

Fax: 0845 450 6866

Email: info@claimsregulation.gov.uk

 

MOJ web site showing CMC's that have lost their licence. http://www.claimsregulation.gov.uk/

Edited by TUTTSI
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