MegaSack DRAW - This year's winner is user - rgwb
We will be in touch
Came in from work at lunchtime & Mrs Egf says, ‘hew pet, someone’s bunged 16.5k in the current account’.
A firm called Tate Camden put it in & it would appear it’s for a PPI refund, which the Mrs is pursuing anyway but nothing’s yet even been finalised as far as that goes. She only sent the form back 3 weeks ago, We’ve been down the bank & apparently it’s kosher. (Though just to make sure she’s stuck it in a separate a/c in case someone wants it back)
She’s had loans from Barclays & all kinds of credit cards in the long distant past when she was married to a numpty who got loads of cards/,loans & put them in her name.
Anyone else had this?
Presumably there's another ~£10K that's gone straight into their back pockets then.
Is it a pre preemptive sweetener to make you go away because they have now realised Mrs egf can take them to the cleaners?
Maybe the previous partner has filed a claim and this is part of the payout? If she hasn't had any contact with Tate Camden then I would be giving them a call as a first step. Very unusual to get a direct payment without any corresponding paperwork to tell you how much it will be as you usually have to accept the figure as a full and final settlement. Both of my claims this was done by banking the cheque they sent with a breakdown of the figures.
Hmmm - how did Tate Camden have her bank account details?
(What new bike are you getting?)
From Barclays?
Is it a pre preemptive sweetener to make you go away because they have now realised Mrs egf can take them to the cleaners?
Damn right, take them to the cleaners. Who do they think they are, giving people information on a product and then asking that they sign the documentation to confirm that they understand the commitment and agree to it.
Scum the lot of em.
I read it that Mrs egf did not know she had signed!
Because someone else had done it on her behalf without permission.
Very unusual to get a direct payment without any corresponding paperwork to tell you how much it will be as you usually have to accept the figure as a full and final settlement.
This, rules state no payments made without accepting terms & conditions.
Check out the paper trail, see whose authorised the payment and accepted the terms.
If the payments been made in error it will need to go back to the originator, if it’s genuine then there will be paperwork to cover it.
Don’t spend it until you know the facts.
Don’t spend it until you know the facts.
Very, which is why she’s bunged it to an easily accessed account that we won’t touch.
Cant even find a contact no. for Tate Camden!
The company that’s dealing with the current enquiry is called Taylor Edwards.
Her ex had cards & loans all over the shop, mainly in her name.
Remember that thread I put on about motor home hire in New Zealand.........😎
I wish you well, I’m sure it’s all legit... so start planning 🤠
Its not unusual for a PPI Claim company use a 3rd Party Payments process company to distribute funds. PPI Co does the legal/claim/admin then pass it to Payments service provider to distribute funds.
Probably an associate company linked to the PPI claim company and kept separate for legal/tax reasons.
New Zealand sounds ace, take pics 🤳🤳🤳🤳📸
Damn right, take them to the cleaners. Who do they think they are, giving people information on a product and then asking that they sign the documentation to confirm that they understand the commitment and agree to it.
Scum the lot of em.
Yeah, a product without value, aggressively sold to customers often without their knowledge by ruthless , ruthless people paid 15x as much for the add-ons than they were for the finance in the first place.
P-Jay, former Finance Manager.
Damn right, take them to the cleaners. Who do they think they are, giving people information on a product and then asking that they sign the documentation to confirm that they understand the commitment and agree to it.
Scum the lot of em.
hahahahahahahaa. 😂
Robowns ised to sell PPI obviously 🙄
When I got my first mortgage (Young and probably a bit naive?) I was told I HAD to have PPI or I couldn’t get a mortgage, and I believed the broker stupidly and signed for it Having the extra premiums to pay every month made life very difficult for quite a while during the lean times (the mortgage on its own was doable)
I was self employed at the time, and it was totally worthless to me as I could never have claimed on it.
Classic behaviour of those PPI peddling arseholes you refer to sarcastically as Scum. (I use the word to describe them entirely un sarcastically)
Update.
Yet another 3.9k has appeared with a similar explanation/reference, while I was at work.
I was supposed to be off tomorrow but I might go in, in case it happens again.
I am actually thinking about a new HT.
This is my personal definition of success. When money just keeps appearing in your account without you doing anything.
long may it continue for you 🙂
I had a much smaller PPI refund, they sent a cheque for half the money direct to my Dad without even telling me beforehand.
I thought he was added as a guarantor to the loan, it turns out they put it in joint names, so he got half. (he paid it back to me)
So what I meant to say is it could be the ex has filed a PPI claim without your knowledge.
Indeed, and may come knocking 🤔📉
Maybe her ex started the PPI claims, but because the cards were in your OH's names, she got the refund.
Maybe her ex started the PPI claims, but because the cards were in your OH’s names, she got the refund.
That's another thing wev'e thought of, but why would it be deposited in a joint account with my name on but not his?
IE, how could he put a claim in for something that never had his name on?
At the risk of repeating myself,
Where's the rest of the money?
Where’s the rest of the money?
What, the rest of the money we didn't know about?
No idea, where do we start looking?
If a claim company has been involved, they'll have pocketed at least a third of it.
New bike top of the range full carbon maybe 😉
If a claim company has been involved, they’ll have pocketed at least a third of it.
While that’s true, Mr and Mrs Futtock are currently better off to the tune of roughly £20k than they were last week, all without having to do any work at all. What paper and ribbons does a gift horse come wrapped in these days, anyway?
If a claim company has been involved, they’ll have pocketed at least a third of it.
I know, but she only filled some forms in about 3 weeks ago & there's no mention of that company on the deposit reference, plus she doesn't remember giving an account number. It's Barclays & on Googling it seems to have happened to a fair number of people.
If a claim company has been involved, they’ll have pocketed at least a third of it.
Fair enough, so how do we check?
I've googled the depositors name (Tate Camden) & there's not much to go on.
A quick Google gave me this:
https://www.consumeractiongroup.co.uk/forum/showthread.php?469328-PPI-Refund-Tate-Camden
"Camden Tate are one the insurance companies associated with Barclays that they were using at the time."
Check with Barclays?
There's a few people on MSE getting surprise refunds from Tate Camden, all seems to link back to Barclays.
The same thing happened to me, albeit with a lesser amount (still £7600): no warning, just a deposit from Lloyd's bank in my account one day. My application hadn't even been acknowledged.
Ahh, yes Barclays are refunding fees charged on overdrafts on linked Accounts (certain linked accounts like “additions” and “premier” etc) Some of those linked accounts with g’tee’d overdrafts had PPI on them as a standard addition to cover the defaults on them (should any be incurred)
So if you have/had a Barclays linked account and an overdraft g’tee’d on it and you used the overdraft (or not), you should see if that overdraft had PPI added to it. Also look for fees (admin) charged on it becuse they also deemed “unfair” and Barclays are refunding those too.
This all could be part of your “recent windfall”.
Its very odd you’ve not received a letter/statement becuse the claims have to be agreed by both client and the supplier, if you can be bothered it might be worth a phone call... or perhaps let the saga past and enjoy the £’ssss.
Either way now I’ve done a little digging this could be someways to clearing up your new found income.
Not all of the big Four acted in the same way, Barclays were the worst at this, hence your Banks might not be processing claims like Barclays.
Check with Barclays?
We did that within about 30mins of seeing it in the A/C, but just at our local branch. The cashier looked & said that it is a PPI refund but that was it. I asked if she'd seen this type of thing before & she said she knew of one woman who was more than surprised when 32K appeared in her A/C!
I keep telling my Wife to get on with a PPI claim. She had a loan several years ago with Barclays that she think had PPI attached.
Lazy mare won't get on with it though! Perhaps if I tell her it could be a 'free' holiday, she might get on with it!!
What motorhome are you going to hire now then, EGF?
Hearing all of these windfalls make me wish I hadn't been so cynical of all these add-ons for loans back in the day and always refused to take them out 🙁
Me too,
<div class="bbp-reply-author">Cougar
<div class="bbp-author-role">
<div class="">Subscriber</div>
</div>
</div>
<div class="bbp-reply-content">
At the risk of repeating myself,
Where’s the rest of the money?
author">Cougar
If a claim company has been involved, they’ll have pocketed at least a third of it.
I think that is what's known as answering your own question .
New bike top of the range full carbon maybe
It will also need plenty of unobtanium bits as well.
Mortgage aside, I always turned these insurances down whenever asked. Nevertheless I spent an hour in bed late one night, sending off the online forms to all the financial institutions I could ever remember having dealings with. Links are on the FSA website. A bit of form filling, (they all use the same forms), & a few phone calls later & we moved house off the back of it, somewhere in the region of £16k.
Its not as clear cut as you did or didn’t sign...
Many of these policies were added on without folk knowing. They also fell short on not telling you they were incentivised by commission to sell them to you. Also, if you worked for a decent employer who paid 6 months full + 6 months half sick pay, then technically the policy would have never paid out as most stopped paying 12 months after you fell sick.
Reduncancy payments were also filled with all sorts of daft requirements to basically avoid paying.
To anyone, regardless wether you’ve bought these policies or not, this money is sitting their waiting to be claimed back. They know exactly who they owe it to & how much, which is why most of the bigger lenders just pay almost straight away.
All for a bit of legwork...