control debt solutions and an IVA - owe more now then when i started.

[ims21]

If you don't receive a satisfactory response and answer to your questions then you should lodge a formal complaint with their regulatory, The Ministry of Justice.

[Hacked_Off]

How do i go about doing that?

[ims21]

Write explaining the problems you have had and the various bits of correspondence and tell them that you want the matter looked in to.

[Hacked_Off]

Just had some good news in the post .

No reply from Belmont Mmmm.

 

"you indicate that you do not accept our redress offer

because in the offer letter it is stated that we will set off this amount against the alleged outstanding balance on your barclaycard account.

You consent that our decision to set off as detailed on our final response letter is incorrect.

 

We have reinvestigated your complaint and we have established that the terms as they are detailed in our final response letter should not have been applied in your circumstancees.

 

Please accept our apologies for any confusion this error may have caused you.

 

As a result we have decided to issue you with a correct revised offer letter

which does not include the desision to set off the redress offer against any outstanding balance on your barclaycard account.

 

Yada yada yada we are upholding your complaint "

 

Then a form to sign and details to pay me.

 

If anyone would like te email i used let me know.

 

Now as for Belmont there not getting a penny. Thu can take me to court.

[Systemerror]

Nice one

[dx100uk]

great news!!

 

dx

[Hacked_Off]

great news!!

 

dx

 

Indeed proves Belmont wrong ad there is infact no right to set off.

[Hacked_Off]

Had a final response from Belmont. It basically says they are only obligated to get me any offer , regardless of what it is , and to accept it!!

 

Also " any further response we recieve from you will not receive a reply but will be filled"

 

That can't be right surely?!

[dx100uk]

complaint to MOJ then me thinks

 

they have failed to carry out your requests

 

dx

[Hacked_Off]

Had this today:

 

 

We have been instructed by our above named client to recover the above outstanding debt. We now demand immediate repayment of £47.23. Unless full payment is sent directly to us within 7 days we will take final recovery action through the Courts, which may lead to:-

 

- You having to pay legal fees and court costs

- Judgment being awarded against you in Court

- Debt details being registered affecting your ability to obtain credit in future

- Bailiffs calling at your premises

 

Please telephone our office immediately on 0151 222 6702 to discuss further.

 

YOU NOW HAVE SEVEN DAYS TO REPAY IN FULL. ACTION WILL BE TAKEN AGAINST YOU THROUGH THE COURTS IF YOU FAIL TO COMPLY WITH THIS DEMAND.

[Hacked_Off]

The amount they claim I owe has doubled!!

[ims21]

did you send your complaint to the MOJ as advised in previous posts?

[Hacked_Off]

I wasn't able to find and information on how to do so

[dx100uk]

you've had since october to blow this out the water.

 

dx

[ims21]

I wasn't able to find and information on how to do so

 

As in post #18 !

[Hacked_Off]

Yes, being in hospital having an organ removed tends to put other things on the back burner!!!!

[dx100uk]

fair comment...

 

try this:

 

http://www.justice.gov.uk/news/features/claims-management-crackdown

 

dx

[Hacked_Off]

Done!

[kaz320]

Hi All

 

I would like to say that not all claims management companies are the same,

I used an excellent company and it is unfair to class all business the same,

 

I admit there are companies out there that think about their profit before the clients

but if we are going to generalize this assumption can be applied to doctors, solicitors, builders etc.

 

Legally Barclaycard out of the PPI compensation claim can only deduct any arrears owed,

so if you compensation for example was £1000 and on the account you had arrears of £200

Barclaycard can legally deduct the £200 from the compensation amount but have to pay you £800.

 

Hope this helps.

[Hacked_Off]

Your post is irrelevant

[ims21]

Hi All

 

I would like to say that not all claims management companies are the same,

I used an excellent company and it is unfair to class all business the same,

 

I admit there are companies out there that think about their profit before the clients

but if we are going to generalize this assumption can be applied to doctors, solicitors, builders etc.

 

Legally Barclaycard out of the PPI compensation claim can only deduct any arrears owed,

so if you compensation for example was £1000 and on the account you had arrears of £200

Barclaycard can legally deduct the £200 from the compensation amount but have to pay you £800.

 

Hope this helps.

 

I am afraid it is beyond me why anyone would want to pay a claims company 30% plus of any award for doing nothing that a claimant cannot do for themselves, and probably do it better.

 

Might as well do it yourself and keep all of the award (less any lawful set-off).

[Hacked_Off]

Warham Collections Team

 

 

 

Monday, 07 January 2013

 

 

 

 

 

Dear Sir/Madam,

 

 

 

Re:- Our Client Belmont Thornton Ltd

 

Outstanding Balance £47.23

 

 

 

We refer to previous correspondence with regards to your outstanding balance due to our client, any money that was awarded to yourself in relation to your PPI claim or return of card charges will firstly be deducted from your outstanding balance.

 

Belmont Thornton are unable to dictate how a lender pays the compensation offered to a customer. If a debt is outstanding with the lender they are entitled to use the refund to reduce the amount owed. This was detailed in the documentation provided to you at the outset.

 

Our clients terms and conditions state that payment is due within 28 days once an offer is made regardless of whether payment has been received or not. As payment was not received within this timescale your details were passed on for collection

 

You have signed a contractual agreement asking Belmont Thornton to pursue a claim and Belmont Thornton has undertaken work in respect of that claim; you are legally obliged to pay the fees as per the agreement made.

 

The terms and conditions of the agreement you entered in to can be found at: http://www.ppiclaimcompany.co.uk/terms-and-conditions

 

Please provide us with a copy of all your complaints raised with our client and details of the steps taken following their internal complaint procedure prior to raising your complaint with the OFT, as these are the steps you will have needed to have taken before having them look at your case.

 

Failure to provide this will result in the relevant action path being continued if not received within 10 days.

 

Please be advised that we are governed by the Financial Ombudsman and all of our letters are within their given guidelines.

[Hacked_Off]

Thank you for your email.

 

In light of the email which you have sent, I will refer this matter through to my Principal Officer for his attention. He may decide upon review of the information supplied to refer this matter onto a Claims Management Officer for further work

 

If you have any queries, in the interim, please contact us on x and quote reference X. iI would also suggest collating all of the paperwork you have concerning this matter in case it is required.

 

Yours sincerely,

 

Duty Officer| Claims Management Officer | Claims Management Regulation Unit| 57-60 High Street, Burton-on-Trent, Staffordshire DE14 1JS |

[kaz320]

Well ims21 you have actually answered your own question,

 

the fact is that not all people want or have the time or knowledge to do a claim themselves

and that is why they would prefer for a company to do it for them.

 

I personally do not have the time and I certainly did not pay a 30% commission fee.

 

I think it is up to each individual to make their own decisions about who they want to act on their behalf,

and I also note that now a majority of PPI claims are actually not being upheld although they should be upheld.

 

For those of us who were extremely fortunate to receive compensation when the lenders were upholding complaints

it is great but for those people whose claims are not being upheld it is a different scenario.

[kaz320]

I would like to reply to Hacked Off regarding my post being irrelevant.

 

If you had in fact read the T&C of the company you would not be in the position you are now in.

 

As you have I assume signed the T&C it means that you accepted the T&C prior to Belmont Thornton acting on your behalf.

 

Belmont Thornton have every legal right to enforce further action if you do not pay the amount stated as owed.

 

It is a little late to cry wolf after the company has won the case.