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Hello my name is Alex and I will help you with this. Please note that I am a working Solicitor and may be on and offline as I have to attend Court and meet with clients, even at weekends. As such you may not get an instant response when you reply as this is not an ‘on demand’ live service, but rest assured I will be giving your question my immediate attention upon return. There is no need to wait here, you will get an email when I reply.
Did you sign the terms and conditions please?
With whom the ppi or you?
Sorry PPI people
Yes we did but not until Sept 2013.
I cannot find anything on "retrospective charges" only on if we win.
A win achieved by us for you in respect of your ppi and/or unfair credit card charges claim for the purposes of the agreement will occur in the following situations
A reasonable offer is accepted by you via us for compensation by way of reimbursement of all or part of the premium and/or the reimbursement of all or part of the unfair credit card charges paid by you to the lender plus statutory interest.
There are further paragraphs regarding offset payments. Ie against an existing loan. There is obviously a lot more than I can type on my kindle. But can scan yt? He document to you tomorrow if it is any help?
The charges are 25% + cat
Sorry plus vat!
I will do this tomorrow morning. Thank you for your help
Hi Alex I have attached the agreement letter for to have a look at.
Did you sign the CFA agreement? If so what does that say?
I will look for this when home and let you know. Thanks
Unfortunately I do seem to have a copy of our cfa. I have . Looked all.over.
Can you ask for a copy?
I will ask them for one .
However I can answer this for you regardless
If you signed the terms and conditions then sadly you are bound by the terms and conditions to pay a fee.
However if the payout to you is LOWER that the historic offer you can then seek to deduct the LOST sums from their fees, so in effect you get the old award.
If the new award is HIGHER than the older one then sadly you need to pay the charges in full as in fact you are better off
So its only if the new award is lower than the historic one could you deduct anything
Can I clarify anything for you about this today please?
Thanks Alex fire your help. I will wait for the paperwork to come through and soak to the company again. You have v been most helpful kind regards
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