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PPI Reclaim Company - They didn't do all the work!!

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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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You would need to read the t&c's of their CC's agreement she entered into


Don't think you have a get out sadly

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Have a read of the following 2 links.



The 2nd one is where Belmont Thornton actually issued a claim for their fees - later settled out of court via mediation. The 1st is one similar to yours.



TBH, I cannot see how they can claim their percentage on the whole amount when the bank has taken HMRC's cut... but there you go.







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