Hello my name is ***** ***** I will help you with this.
Please let me know for now whether you accept you owe £726.92 or does this appear to be a mistake?
Ok - did you instruct them to recover PPI in return for a %?
Ok - how much did you recover in terms of PPI?
So it would appear the first invoice was wrong?
Oh I see.
Can't you just ask them for a copy?
Ok - if you knew that they were taking 12% and you had £5200 refunded, were you not expecting a bill of around £700?
Indeed, but when you had an invoice did you not expect one for around £700?
Leaving aside the fact you had not heard anything
Yes, but did you not think to set aside the £700 and just spend the rest, bearing in mind you were expecting an invoice?
Ok -this is the situation and your legal position
Under a contract someone has 6 years to chase a debt
Therefore they could have left it weeks, months or even years before sending you an invoice
They appear to have left it for some time, but well within the 6 year time limit
If you accept they did the work and they are entitled to 12% then sadly you owe a sum
What I would get is a breakdown of what the £726 is for and what the £105 you paid was for
Make sure the figures add up correctly
If they do then you can explain you waited for them to send an invoice which they failed to do so
You may be able to arrange a repayment plan and pay it over months or years
But if they do take you to Court and they can produce an agreement that says you owe it then sadly you may end up with a Judgment against you
I agree totally they have been very slow to issue an invoice when one would have expected it earlier
But that does not mean they are not entitled to their fee or you can simply not pay them
What it does do is give you more ground for a repayment plan over time
I am sorry if this is not the answer you want and certainly not the one I want to give you, but I have a duty to be honest
Can I clarify anything for you about this today please?
Indeed. As I said I think you will owe it but just because its late I think gives you more of an edge to repay over time
Can I clarify anything else for you about this at all?
Great. If I could invite you to rate before you go, the button will be at the bottom of the screen
If you need more help please click reply. Have a great weekend