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Hi guys,

Hope you can help me with this please

 

I had a call from assist claim management about ppi claim I gave them some details over the phone

they came back to me after a week asking me to sign a letter of authority because they found 5 accounts eligible for ppi claim.

i signed the LOA for them in may 2018.

 

in September I came back from holiday I found over 10 letters from them

some asking me to sign a questionner and a new LOA AND some of them threatening me with a bailiff or pay à fees of £300 for each account which make a total of £1500.

 

the letters were all sent between 23 July and 10 August I

came back home the 3rd of September

 

a week later I received a letter from a bailiff asking for £375 x 5.

i called them explained to them what happened

they asked me to sign a LOA

I said I’ve already signed one

they told me it was invalid because I added some stuff with pen on them.

i said if it’s invalid why are you threatened me with bailiff and

I decided not to sign anything and do the claim my self.

they send me new LOA AND A QUESTIONNAIRE to sign and they join a letter of T&C and one of the clause clearly saying I have 14 days to cancel.

 

i did sign a new LOA AND THE QUESTIONNAIRE

SEND IT THEN A WEEK LATER

 

I’ve send an email to them to cancel the contract as stated in the T&C.

the next day they send me email rejecting the cancellation because I’ve signed a LOA in may even it’s invalid.

 

Today I received a letter from a bailiff again asking me to pay my debts to ACM.

 

Hope I was clear enough if you want more info please ask me.

 

Can you advise me please

Edited by dx100uk
spacing

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Please would you post your story with spacing and punctuation so that we can read it easily and give you the help you need.

 

Thanks


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I've spaced you post for you

and improved the grammar where I can understand it

 

you've not received any letters from bailiffs

you've received letters from a DEBT COLLECTION AGENCY...

 

BIG DIFFERENCE!

 

a DCA has ZERO legal powers

stay off the phone

stop using Email

block and bounce any back to them.

 

to be clear here.

you signed and sent ONE LOA which latterly was declared invalid by the CMC yes?

you have NOT signed nor sent back any others?

 

dx


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Hi DX100uk,

I forgot one important thing,

I called Assist FM the CMC and asked them about a copy of the first LOA I’ve signed.

they send me a copy by email but they erased what I add with the pen that made this LOA invalid.

 

i quickly emailed them back to say this was a forgery and I will sue them.

this was their answer.

 

Dear xxxxxx

 

I can assure you that there has been no forgery made by our company.

The original LOA was signed, therefore entering you into the contract with us Assist FM.

 

The reason the LOA was invalid was that the lenders would not accept, not ourselves, therefore our contract was still legally binding.

 

A new LOA was needed for the lenders authority to look into your cases further.

 

I can also assure you that we are not harassing you, we have simply sent your cases to our debt collection agency who will chase your debt owed to ourselves.

 

As things stand, I will no longer be discussing your cases with you.

Please consult with DCBL regarding payment of the debt.

 

Assist FM.

 

What do you think about this dose it help.

 

Unfortunately I’ve signed a new LOA and a questionnaire because they join a letter of T&C and after I read it I found a clause clearly saying I can cancel the contract before 14 days without giving a reason.

 

i thought I will get rid of them like this and this contract will invalidate the old contract which is invalid anyway.

 

This was their answer,

 

Dear Xxxxxx

 

Thank you for your email.

 

Unfortunately, as your original contract was signed on 01/05/2018 you are outside of our 14-day cancelation terms.

 

The original cancelation invoices still stand.

 

I have now re-canceled your five cases at a fee of £300.00 = debt due to assist FM £1500.00.

 

I have also reopened your cases with DCBL.

 

Please contact them to make payment of our invoices and their additional fees.

 

Kind regards

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ignore DCBL

they are NOT BAILIFFS in this instance

and are

TOTALLY POWERLESS.

 

stayoff that phone.

 

you signed an original LOA for which named banks? and its exact date please

 

which named bank did they then comeback with another LOA for? and its date


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Thanks for your help.

The first LOA was the 1/05/18 for Lloyds bank

The second LOA WAS THE 20/09/18 Lloyd’s banks because the 1st was invalid

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you are within 14 days

you can cancel

 

now these 5*£300 fees

how can they charge these if they've found no PPI?

 

urm..so certainty against their no win no fee mantra then.

 

I had all this grief for a neighbour and allay claims

they want 7*£300 fees for whatever and he'd never signed a CONTRACT just one Letter of Authorisation

that was last june

never heard a things again


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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They’re saying they found 5 account all with Lloyd’s bank 1 credit card and 4 loans eligible for ppi claim and for them to get me money they want me to sign a new LOA because the first one was made invalid.

What I did I’ve signed a new one then I’ve cancelled it before 14 days but they refuse to accept it they saying I’m under contract sins I’ve signed the first contract even it’s ivalid.

This can’t be right ?

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They said The reason the LOA was invalid was that the lenders would not accept, but for them it’s valid therefore the contract was still legally binding.

 

A new LOA was needed for the lenders authority to look into my claim cases further

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can we see this letter of authority please

is it an open ended contract that says any/all of your accounts are covered by this ONE authority??

 

scan in up to PDF please

read UPLOAD


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Please find attached a copy of the letter of authority sent to me by email, which i signed on the 01/05/2018 but what they did is, they remove some writing that made this LOA invalid it’s called forgery.

 

Just to clarify that I signed 5 of them all invalid.

docs1.pdf

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its not looking good

you've blindly signed numerous docs without reading the implications of them.

 

more later.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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did you see the cancellation notice do you think it doesn’t make a difference

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have you sent any of those forms back bar your initial form 1/05/2018?

 

they came back to me after a week asking me to sign a letter of authority because they found 5 accounts eligible for ppi claim.

 

was this over the phone that they told you about the 5 accounts if not how?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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If its valid why they asked me to sign a new one and if the last one is valid why the threatening me with the bailiff

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answer the question please in post 14


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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Yes they told me over the phone and send me 5 LOA one for each account but I’ve add some information with the pen before I’ve signed them and this made all the 5 LOA invalid.

And they start chasing me to sign a new ones I did but cancelled it before 14 days

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i'm trying to get to grips with what you did that invalidated them?

expand on that please

 

your cancellation note predates the forms in your scan.

 

those documents in your scan DID you sent those BACK to them?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Oh no! This is a disaster I made a stupid mistake it should be 01/10/18.

 

But I’ve send an email I’ve attached a copy it was sent the 01/10/18 with all the 5 LOA attached hope this enough to cancel the contract

 

What I did is add credit card with the pen and that invalidate the LOA because it should be one account for each loa credit card or loan not both

convert-jpg-to-pdf.net_2018-10-09_01-32-08 2.pdf

2.pdf

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so you didn't send the cancellation notice till 1/10/18

but you uploaded a scan of a note dated 1/9/18 cancelling things..

so when did you write that note to cancel and actually send it?

i hope you are not fabricating things ??

 

what interaction did you have with them between 1/5/18 and 1/10/18 then?

 

did you have nothing to do with at all until your msg 1/10/18 when you actually sent the cancellation and those forms in the scan of post 11?

 

its seems pretty strange to me that you send a cancellation form but also include the forms back to them ...theres no reason to do that if wanted to cancel??

why give them the signed forms?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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I’ve signed and sent the NEW LOA ON THE 20/09/18

then send the cancellation notice by email on the 01/10/18.

The only mistake is the date in written notice

 

I though it clear (date and time)on the screen shot of the email I’ve send you #19.

 

I swear I’m telling you the truth way I fabricat thing what the point.

 

Between 01/5/18 and 01/10/18 everything is in the thread #4

 

I’ve attached the LOA the cancellation notice to make sure they know I’m cancelling the last LOA AND USE THIS AS EVIDENCE.

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there are two LOA's both dated 20/09/2018 and signed by you.

 

one is [what you state] is a forgery returned from AFM whereby your extra added text of credit card has been removed.

 

there is also one dated the same date and signed from you from gareth simpson.

 

time for bed...….

 

the bottom line here appears to be you gave authority for ONE account to be investigated, you signed it giving them authority to act.

thus they could possibly be owed £300, however this claim has NOT been resolved

and

neither does it give authority to investigate the other 4 accounts

thus neither does it give DCBL under their DCA role any authority to add £75 bailiff enforcement fees to any of them.

 

you also wrote cancelling [under the specific account number AFM's involvement in THAT specific reclaim.

 

pers I think i'd totally ignore them.

totally ignore DCBL too

 

write to each lender under all these claim numbers stating quite clearly that you have cancelled any authority for AFM to act upon your behalf and to delete and desist from making any further communication with regard to any PPI reclaims and to only directly communicate with yourself.

 

time for bed


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Thanks for you help I will do just what you said ignore them.

I know the problem and why you were confused sorry it was me I wasn’t really clear.

1st- the copies of the LOA I’ve send you it’s not all of them I posted just few.

 

2nd, the LOA with the writing on it,I made this just to explain to you why they were made invalid.because i don’t have a copy of this ones

 

3rd, it’s very simple I’ve signed 5 LOA for 5 accounts on the 01/05/18 but they reject them they said invalid

 

4th,I then signed 5 new LOA FOR 5 accounts on the 20/09/18 and then cancelled it by email on the 01/10/18.

 

I don’t know how to thank you you’re just great guys thanks you

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