PPI Claims Company cancelled our agreement, but are still claiming a share of the payout

[Sharkey69]

Hi,

 

Earlier in the year I received a letter from a well-known PPI claims company saying that they believed I had a valid claim against my bank (they named the bank) and that if I signed their form they would do everything on my behalf - of course I didn't properly read all the conditions and figured that as I wasn't even aware that I could make a claim that I might get something for nothing.

 

They then emailed me to say that they couldn't continue with the claim unless I provided additional information on the loan I took out.

 

As I didn't have any information from that time (and figured there wasn't much chance of making a claim) I told them to cancel the arrangement.

 

They immediately mailed me back and told me that our arrangement was cancelled and that they would not contact me again.

 

Three months later - to my surprise - my bank contacted me to tell me that the claim had been successful and gave me a form to fill out with my bank details so they could make the payment to me.

 

The same day I received a letter from the claims company asking me to fill in the details on a form to send to the Ombudsmen, and from then on I started receiving phone calls, letters and emails from the claims company at the rate of one or two a day.

I ignored the letters ('Return to Sender') without opening them, ignored their calls and voice mails, but read their emails. Because I was ignoring them I then started getting calls from a mobile leaving a message 'Hi Chris, it's Pete, can you give me a call mate' - presumably hoping I would assume it was a friend calling me and just call it back.

 

This harassment has gone on for over a week, despite me emailing them several times to tell them that we cancelled our arrangement (and I have proof that they agreed to that cancellation).

 

They have, however, now sent me a bill for 'completing the claim on my behalf'.

 

My first opinion was that they have no legal right to claim any money, as our arrangement was cancelled - and because THEY told ME that they couldn't proceed without further information from me - which I didn't provide (I assume that by that point they had already contacted my bank).

 

However, now I'm concerned that by not paying them I might be in the wrong - especially as I didn't read their terms and conditions.

 

Can anyone advise?

 

(What I'm hoping is that someone can tell me that under paragraph X of Law Y they cannot claim any monies off me after they have agreed to cancel the contract. If in indeed that is the case, then can I send them an invoice for all the harassment they have subjected me to, and the time and effort I have expended on it, and indeed the stress they have caused?).

 

Just to put things into context, it was only a small loan and the repayment offer was less than £2,000.

 

Cheers,

 

Chris.

[dx100uk]

No signed agreement

Simply ignore them

 

You cancelled

You have proof

[Sharkey69]

Thanks for the quick response. Just to clarify I did sign the initial agreement, but - as you say - they wrote to me and confirmed that they had cancelled it.

 

No signed agreement

Simply ignore them

 

You cancelled

You have proof