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    • These dates stated are within last 6 years. So what is the challenge here. Are the dates/amounts wrong ?   "for the period 01/04/2014 to 08/07/2015. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year  from 08/07/2015 to 11/06/2019 on £304 and also interest at the same rate up to the date of the judgment or earlier payment at a daily rate of £0.21"
    • I repeat, the seller has the right under the CRA to repair. That is exactly what they have offered.   The OP doesn’t even know what the fault is, you cannot simply reject if a light has appeared. OP is being completely unreasonable.   The CRA is designed to be fair to both parties, it is not one sided.         
    • I only got the car 3 weeks ago, had the car serviced as it was coming up to the service date and was advised by the garage that the Tyres were illegal so I think it’s cut and dry really. The fact is I was allowed to drive a car off the forecourt with 2 bald tyres and I was told by dealer the car had been checked and surely Tyres should have been part of the check.
    • Less than 100 miles not enough miles or time to wear the Tyres enough according to the garage. I’m more angry I could have got up to a £5000 fine and 6 points, what would the dealership responsibilities be then? 
    • If the OP follows king’s advice and then the neighbour’s roof leaks, who do you think the neighbour will blame? a) the dodgy “roofers” (who will be long gone), b) the OP for “damaging a perfectly good repair” (even if they don’t damage it, and it wasn’t a good repair!), or c) someone else   King may be technically correct, but the OP following their advice isn’t likely to end well if the neighbour is already ‘difficult’. 
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    • My personal experiences of Future Comms 
       
      Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!
      • 0 replies
    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
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      • 4 replies
    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 5 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
mfr946

Barclays said no ppi - now CMC has won for me - are the bank responsible for the CMC fee charged as they initially misled me?

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Hi, 

I was told by Barclays that I did not have PPI but I knew I had. 

I resorted to using a claims company who succeeded in getting the claim but obviously I had to pay them 24% fee. 

 

Can I claim the fee back from Barclays as they should have paid me when I first claimed (via Resolver). 

I do have paperwork from Barclays saying that I couldn't claim.

Thanks.

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In principle I have to say that if the bank misleads you for some reason other then there is definitely a chance that you should be able to recover your expenses from if you have to go for independent help.

However you need to give us far more detail as to why Barclays said that you couldn't claim.


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OK I will find the paperwork and get back to you..

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They told me in 2017 that I because it was over 6 years since the account was taken out (it was in 1996) and over 3 years after I changed the account (2004) that I could not claim.  I did refer it to the Financial Ombudsman but did not get any response.  When I did get the claim upheld it states it was for PPI on an overdraft dated March 1998 to July 2004 which is obviously within the timeframe they previously said I couldn't claim for.

Your advices would be appreciated.

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You say that they told you in 2017 – do you have this in writing?

When you say referred it to the financial ombudsman – was this as a result of a final response letter from the bank? Were you ever issued with a reference number by the ombudsman service?


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Yes I have the letter from Barclays dismissing my claim.  When I sent the complaint form to the Ombudsman I was out of the 6 month time frame as stated in the Barclays letter which is probably why I did not receive anything from them.

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Okay. If you have a letter which clearly states those reasons for denying you your PPI claim then you are on a good start. However I think it's going to take a long time and don't expect Barclays to be very cooperative.

You could begin by bringing in immediate legal action but maybe the best thing to do is to begin a new complaint of Barclays and then when they give you their final response letter to take it to the ombudsman.

On that basis I think that you should contact Barclays and begin the complaint and confirm in writing. Confirm everything in writing and also read our customer services guide and implement the advice there.

Your complaint of Barclays will be that during your original PPI claim they declined the claim on misleading grounds so that their wrongdoing left you with no choice other than to turn to a professional claims management company. This put you in a position where you were obliged to pay fees which if Barclays had dealt with your claim correctly, you would have not been obliged to pay.

Therefore it is a result of Barclays unfair treatment of you that you have suffered a 24% loss in the money paid out to you.

Use this as the basis of your complaint to Barclays and when you get a final response letter, don't hang around. Make the complaint to the FOS immediately but come to us so that we can have a look at the wording of the complaint you are submitting to the FOS.


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OK thanks, I have just found that I did refer to the Ombudsman in July 2017 (the Barclays letter was May 2017) and have a reference number but have nothing else from them after that?

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Okay in that case begin by contacting the ombudsman – try doing it by telephone and ask them what's happening because you've never received any information.

I hope you won't mind me saying that it seems to me that you need to get on top of your files and have them organised and your paperwork under control.

When you find out something from the ombudsman comeback you


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OK point noted!  I will try to contact them this week.

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professional claims management company:lol:😚🕵️‍♂️😂😄

 

don't think that's the right description of any CMC

commercial possibly

  • Haha 1

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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Whoops, – my bad.


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