Your Money Claim Omdömen 

Svar från Your Money Claim

28 mars 2020

Thank you for your review.

As you are aware, you approached us to act on your behalf shortly before the PPI deadline.

You were unable to provide any evidence that you had been sold PPI, which is more than understandable.

However, this meant that we first had to make the relevant checks with your finance providers to see whether you had been sold PPI.

Upon receiving confirmation that you had been sold PPI we built a case for compensation and submitted it with your bank.

We notified you on a number of occasions that your bank may attempt to contact you to discuss the matter, but that we recommended that if this happened you politely reminded them that we were acting on your behalf.

We notified you that due to the number of last minute PPI claims being submitted to all banks that there would be a delay. It is unfortunate that banks failed to put in place the appropriate measures to ensure they could handle the last minute surge, but trust you will agree that these delays are due to the banks alone, and not us.

Once the claim was submitted to the bank you called us once to say that you had received a letter from the bank asking that you confirm your personal details, which was sent as your address is different now to the address you resided at when you had the credit facility with your bank, and you called once more to confirm you were returning an authority form we had sent. No other calls were made by you once the claim had been submitted to your bank..

There has been no reason to make contact with you via telephone during the process of the case as you have been kept updated throughout via a total of twelve emails and SMS text messages.

We did contact you via telephone upon receipt of the offer of compensation, in order to explain how the substantial offer of compensation had been calculated.

It is perhaps of interest to note that we managed to obtain an offer of compensation that was more than double the amount of PPI and interest payments you actually made. It was also important that we contacted you to explain the tax deduction that the bank automatically makes, and how this may be able to be recovered.

You have raised a point in respect of the fee which does surprise us, given it suggests you did not read the terms of engagement prior to signing to confirm you had read the terms of engagement. The terms of engagement clearly explains the fee.

Finally, we can confirm that you made no other telephone calls to us regarding the claim once it had been submitted, and we have also now had confirmation that you did not speak with the bank in respect of progressing the case or having any input into the case itself.

Nevertheless, we trust you are satisfied with the 100% success, and the award which was double the amount you paid in PPI and interest.

We encourage customers to read and understand information and updates that are sent to them, and to contact us if they are unsure about anything.

We would kindly suggest you review the reviews made either side of yours, which appear to be from customers that did read and understand the terms and updates provided regularly.

Svar från Your Money Claim

27 jan. 2020

Thank you for your review.

We accept the claims are taking longer than they usually would.

However, this is due to the unprecedented number of people attempting to make last minute claims before the deadline, as you did, which has caused huge backlogs with the banks. These delays are not due to us. You were advised of this throughout.

Nevertheless, our expertise built a case that the bank was unable to defend, which resulted in you receiving a comprehensive offer of compensation which we trust you are satisfied with.

You have suggested that you did 'half the work', but having spoken to Halifax it has confirmed you submitted no evidence in respect of the case, so we are somewhat surprised at this claim. I would not consider chasing Halifax for the decision, having already been advised of the delays within Halifax, to be contributing and doing 'half the work'.

We encourage customers to read and understand information that is sent to them, and to contact us if they are unsure about anything.

Svar från Your Money Claim

27 jan. 2020

Thank you for your review.

We accept the claims are currently taking longer than they usually would.

However, this is due to the unprecendented number of people attempting to make last minute claims before the deadline, as you did, which has caused huge backlogs with the banks. These delays are not due to us. You were advised of this throughout.

In respect of the award you have been offered, this is due to the amount of PPI you actually paid. Having only paid 79 pence in PPI premiums I am unsure what compensation award you would consider to be acceptable?

We encourage customers to read and understand information that is sent to them, and to contact us if they are unsure about anything.