Jump to content


  • Tweets

  • Posts

    • we certainly don't advise tipping them off providing anything that might 'play your cards' and elude to what your WS might contain at the defence stage.  
    • and as expected   UK rejects mobility agreement with Europe to help young people travel and live abroad WWW.INDEPENDENT.CO.UK Labour also rejected the possibility of an EU-wide scheme for young people a Government spokesperson said there was no interest from the UK side, adding that “free movement (for UK plebs) within the EU was ended”.
    • Yep, I agree with what you are saying, I only mentioned the governing body code of practice as a nod to the fact that I wasn't dismissing the BPA or whoever out of hand, thought that would go in my favour before a judge. I wrote a long post about the BPA CoP earlier but then deleted it because I realised I wasn't talking about points of law but a set of guidelines drawn up by one bunch of charlatans for another bunch of charlatans. It is ludicrous that the 5 minute consideration period doesn't apply if the motorist parks, such nonsense. As for legislation, I was referring to the government legislation (if it is legislation?) document which has been withdrawn. Does that stand until it has been reintroduced? In the explanatory document it is quite clear. Otherwise, how does one hold them to the consideration and grace periods? Or is that at the discretion of the judge?
    • Thank you all   JK, I agree; if they were to accept my full claim today, then the interest would be around 8-9 pounds. If I were them, I would have offered to pay the interest and said no to the 12 pounds for the letters. These have not been mentioned, which is my mistake.   As you pointed out, if the judge were to award at 4% and I did not get the letters, I would get less.   Bank, thank you. I do hear what you are saying. If I am to continue with this, then I will need to pay an additional trial fee of £59. If I win everything, then great, but if I win less the claim and court fee, then I lose out. I am not sure what the judge will think about the interest. I think we have to remember that I won the item and, therefore, did not pay a penny for it. Yes, I have had to purchase an additional one, but maybe the judge will hold this against me. I am content that this is a win. I have not signed any non-disclosure clauses, and they do not ask for this either in their offer. 
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
        • Like
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Claimeasy/Wilkinson Chapman chasing PPI refund fees


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1363 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

 
 
 
spacer.png spacer.png spacer.png
spacer.png Consumer Action Group spacer.png
spacer.png spacer.png spacer.png
spacer.png
Hi CAGBot,
A user has sent a message using the Contact Us form.
 
default_photo.png  
[name and email removed] said:

My partner instructed a ppi company to act on his behalf 3 years ago.

He received a cheque directly from the bank.

He has not received any letters from the ppi company setting out the amount chased and the amount owed.

 

Ppi company have confirmed that they never sent out the letter.

They said they had sent text messages that my partner has never received.

 

Ppi company have confirmed they should have sent this debt to a third party but this has never happened due to an oversight on their part.

 

This debt has now appeared in a spreadsheet hence why this is now been chased 3 years on.

Partner has received a letter yesterday detailing a amount owed and said he could pay back reduced amount.

 

Giving that this letter is the first correspondence in three years, where does he now stand?

Ppi company have admitted errors in their procedures as above.

 

Many thanks 

 



— Consumer Action Group
spacer.png
spacer.png spacer.png spacer.png
spacer.png twitter facebook twitter youtube twitter facebook twitter youtube spacer.png
spacer.png Consumer Action Group, Reclaim the Right Ltd, 923 Finchley Rd, London , NW11 7PE spacer.png
 

 

Link to post
Share on other sites

  • AndyOrch changed the title to Debt Collector chasing PPI refund

Hi and Welcome to the Forum.

 

If you could give us some names....what Bank what PPI Company and refunded from who ....and who is the DCA that is chasing the refund.?

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

So not exactly a DCA ....Wilkinson Chapman are Solicitors...so be careful.

 

Could you possibly scan redact and upload a copy of this letter...Its important to see what discrepancies that they admit to and how it could affect and possible court claim .

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

I will take a photo of the letter my partner received yesterday, I'm at work at the moment though.

 

It says the  amount outstanding and that they would accept a reduced amount if he rang in.

This is the only communication he has received from claimeasy.

 

They confirmed over the phone that the initial letter from them stating amount claimed from bank and amount to pay had not been sent. He has not received any texts or emails chasing and they admitted that debt should have been sent to Wilkinson Chapman but due to an oversight in their part this had not been done. 

Link to post
Share on other sites

  • AndyOrch changed the title to Wilkinson Chapman Solicitors chasing PPI refund.

So Wilkinson Chapman are acting for Claimeasy as their client.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Claimeasy have confirmed that Wilkinson Chapman should have been appointed to chase the debt owed to them but they were never appointed due to an oversight on their part.

 

This debt has only resurfaced as part of a spreadsheet exercise.

My partner has not received any correspondence or communication regarding this debt.

He assumed that when lloyds sent him the cheque the amount was less the amount owed to claimeasy due to the fact that claimeasy gave never contacted up until yesterday 

Link to post
Share on other sites

Okay so becoming clearer now...they want their commission on the PPI refund...they admit to errors and have therefore offered a payment plan if convenient in view of their own errors.

 

When your partner signed up to Claimeasy it would have stated in the agreement if the claim was successful how you should make payment..but they failed to request it because of an oversight or the Bank didnt inform them it had paid out.

 

Is it a considerable amount ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Yes to everything above!

 

The amount is 6XX.00 

Can be paid over 12 months or a reduced amount of 530 over 3 months.

 

Both amounts are a lot of money,

partner has just returned to work after being furloughed for 3 months, so no spare cash to spare unfortunately 

Link to post
Share on other sites

Thanks.....quite considerable then.....if your partner signed the contract and returned it then he has agreed to their T&Cs...and therefore legally obliged to repay the money.Should they issue a court claim they will have a signed contract and legal basis of their claim......however they have made errors and not followed their own procedure...or the Bank has not...either way there was a mix up.

 

They have offered a discount in view of their errors albeit payable over 3 months or the full amount over 12 months.

They have taken over 3 years to correct the error but expect you to comply within 12 or 3 subject to what you wish to pay.I would therefore write back to the Solicitor and explain that due to the current climate and only recently coming off furlough that he is not in a position to accept either offers....but would consider a payment arrangement over 3 years the same as their client has taken to correct their mistake.

 

That would equate to £17 per month....which I assume would be acceptable.You could offer more if in a position and reduce the time.

But the above is only proviso subject to your partner signing an agreement with their client.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Thankyou, that sounds very reasonable.

 

We gave a manager ringing us tonight from claimeasy, to discuss this further.

I will put this proposal forward to them and mention I have contacted yourselves.

I will also get everything in writing!

Thankyou so much, I will keep you updated. 

Link to post
Share on other sites

Yes very important that you have a paper trail...it may be fundamental at a future date.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

did your OH sign a letter of authority for them to act upon his behalf?

or anything else like a contract sent or online?

 

how did he get involved with these fleecers

expand your story please

 

ideally you should not be talking to anyone on te phone regarding any debts whatsoever.

but if you must ensure you record the call.

 

dx

 

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... 

Link to post
Share on other sites

Agree with the above, an ink sig would not be necessary to create a binding agreement but they should have a paper trail that showed he signed up online and was sent a full set of terms to agree to, either in the post or via an email. I dont think a text would be binding as a phone number isnt an address.

 

in light of this keep off the phone and no more texts. If necessary block the number.

 

go through what you have and check their figures, they usually charge a percentage of anything they recover so the bank paying you after receiving their demand will show a contract exists unless you can show otherwise.

 

what you shouldnt be paying is any fees or interest added since as they will have only been accrued by their own incompetence and not part of the original deal.

 

if i owed you money and you forgot to ask me for it you cant add interest to the bill other than to the time you made the formal demand and the time a court decides I owe it.

 

if interest was to be added to the entire sum then a credit agreement must exist between us and the same applied to this lot. that agreement MUST have been sent through the post  as a regulated financial agreement

Link to post
Share on other sites

would be nice if the OP cameback after a week and engaged with this thread..

 

 

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... 

Link to post
Share on other sites

  • dx100uk changed the title to Claimeasy/Wilkinson Chapman chasing PPI refund fees
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...