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Some one help please? The story is that back in April 2011, or there about!after numerous irritating phone calls I decided to pursue a PPI claim. I received the claim pack and I signed up after, again, numerous pushy phone calls. In July 2011 I then received the Letter of Authority to sign and send back so the Claim Group could continue with my claim. I never signed the form and I still have it with me! I heard nothing from the group until last month when i received an e-mail that stated that the Bank had now paid out and I owed the claim group money. In fact it was a reminder to pay the outstanding invoice. Between the initial start and now I had moved and got married. I never updated my details withe group as i was under the impression that I had decided not to pursue the claim because i had not sign the Letter of Authority.

I decided to call the Group to ask what the outstanding invoice was for? They stated that the bank had paid out and i had received the money so i owed them £900! 39% of the payout. I have not received the money as i do not use that bank anymore and never updated my details with them either. The banks letter went to my previous address. The claim group e-mailed me a copy of the letter. At the bottom there was a form for me to fill in to say that i was happy with the payout. This was to be completed in 10 days. I obviously had not signed it as i never received it! The worse thing is that i now use a debt management agency following the breakdown of a relationship that left me in a lot of debt with that bank so most of the money would have gone toward the paying the loan off. The claim group are now contacting me at my workplace about the invoice. I don't have the money to pay them and as far as i'm concerned i did not authorize them to carry on!I have explained this to them and i stated that surely if was pursuing the claim i would have kept them updated with my details..They stated that i had entered into a legally binding contract and would have to pay them the money they also claim that they have a signed letter of authority from May 2011. If thats the case why would they send me another in July?? Please help i'm not sure how i stand on this...:-x

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First thing is to confirm with the bank that a PPI refund has been made and set off against your outstanding debt with the bank.


In addition get them to send you a copy of the detailed breakdown of the award so that you can check that it is correct.


You also need to find out with them that this claim has been made by the claims company concerned and ask them who agreed the settlement figure on your behalf.


If you signed the engagement forms when you appointed the CMC and they have done the contracted work and been successful then you may well be liable for their fee.


Have you got the original contract you signed with them?


If you had authorised them to act with the initial forms, what is this extra authority form they sent you? Can you post it up?

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Thank you for your speedy reply. I know that the bank have been dealing with the CMC as they sent them a letter regarding the settlement offer. I have yet to find out with the bank whether the payment has been made. I do not have the original contract anymore but i do have the Letter of Authority that required a signature which i believed to be an authorization for them to continue with the claim. It requested that i fill in the questionnaire in order for them to process the claim.It was a request from the Bank for further information.

Once i have found out about the payment i will update you for further advise.



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