SO16_Saint Posted 16 November, 2009 Share Posted 16 November, 2009 Anyone dealt with / heard anything about Kerobo Claims? They claim to be able to write off unenforceable loans / PPI etc etc www.keroboclaims.co.uk Anyone heard anything - good or bad - about these? Link to comment Share on other sites More sharing options...
Hatch Posted 16 November, 2009 Share Posted 16 November, 2009 Hundreds of these companies out there, all bollcoks I suspect. Link to comment Share on other sites More sharing options...
SO16_Saint Posted 16 November, 2009 Author Share Posted 16 November, 2009 Yeah agree. They contacted me saying they have a 100pc success rate when they have gone to court. Deal is pay.450 for them to assess case, if they think it willl be a go-er they go to court, if not they refund the 450..... Can't be that simple, surely? Link to comment Share on other sites More sharing options...
sotonjoe Posted 16 November, 2009 Share Posted 16 November, 2009 It's for those who don't feel they have a moral, or any other sort of, obligation to live up to their debts. Scroungers for want of a better term. Link to comment Share on other sites More sharing options...
bridge too far Posted 16 November, 2009 Share Posted 16 November, 2009 FYI http://news.bbc.co.uk/1/hi/business/7894840.stm Link to comment Share on other sites More sharing options...
Al de Man Posted 17 November, 2009 Share Posted 17 November, 2009 Yeah agree. They contacted me saying they have a 100pc success rate when they have gone to court. Deal is pay.450 for them to assess case, if they think it willl be a go-er they go to court, if not they refund the 450..... Can't be that simple, surely? Ask yourself, why do they need £450 up front? Link to comment Share on other sites More sharing options...
keithd Posted 17 November, 2009 Share Posted 17 November, 2009 In my day, you borrowed money, you paid it back + interest at an agreed rate. You don't try to back out of the deal just because somebody spelt the address wrong, or signed the deal in blue ink or however they try to get out of it. live up to your responsibilities, in the words of sir vinny of jones "you owe what you owe" Link to comment Share on other sites More sharing options...
SO16_Saint Posted 17 November, 2009 Author Share Posted 17 November, 2009 In my day, you borrowed money, you paid it back + interest at an agreed rate. You don't try to back out of the deal just because somebody spelt the address wrong, or signed the deal in blue ink or however they try to get out of it. live up to your responsibilities, in the words of sir vinny of jones "you owe what you owe" yep - agree completely. just wondered if anyone had dealt with them really Link to comment Share on other sites More sharing options...
Nineteen Canteen Posted 17 November, 2009 Share Posted 17 November, 2009 Anyone dealt with / heard anything about Kerobo Claims? They claim to be able to write off unenforceable loans / PPI etc etc www.keroboclaims.co.uk Anyone heard anything - good or bad - about these? Bridgey, if the loan is unenforceable its because the bank or other FRC has not asked you to sign or complete the documents in accordance with the Consumer Credit act. This company will do your PPI claims and no doubt bank charges but if you feel you were hoodwinked by your provider in any circumstances you can make a claim quite easily yourself and a good place to start would be moneysavingexpert.com. Can't stand Martin lewis myself but the site is informative and there our user forums who can share first hand experience. PPI and bank charges are easily claimed yourself although you will need to wait on the outcome of a court case with regard the legality of the latter. Loan documentation is not as easy to get out of as it may appear but again if you have a case you should write to you bank and give them time to respond usually 30 days and if your enquiry cannot be resolved you can then go to the Ombudsman who will uphold your case if the bank have not completed documentation within the rules of the CC Act. A bit of donkey work but better than paying a fee up front with no guarantee of success and whilst bank charges were criminally high and PPI generally missold usually under the pretence the loan would not be granted trying to get a loan wiped out on a 'legal technicality' is morally wrong IMO as 99.9% of the time the consumers knew exactly what they were signing up for. Its one of many reasons why the credit for many in this country is drying up and unsecured loan rates are in most case now running at a margin of 10% or more over base and mortgages around 3% and 5 -6 % for First Time Buyers a margin that use to be only seen on personal loans. The banks are at fault for a lot of this stuff but as consumers some of us (not suggesting you personally) are helping to exacerberate a bad situation. Link to comment Share on other sites More sharing options...
Saint Keith Posted 17 November, 2009 Share Posted 17 November, 2009 i agree with NC Link to comment Share on other sites More sharing options...
JonnyLove Posted 17 November, 2009 Share Posted 17 November, 2009 See I am in a situation where I spoke to these people. (Basically this is the short story. I have a loan. Asked for the documentation as I had lost mine and just wanted to get the information on my loan account. They sent me a letter stating they could not provide loan documentation but did give me an overview of the loan including interest rate. Then I get a statement from them with the interest rate doubled that of what they had sent me only 2 months before). So as I said I spoke to them and also to a coupel of others. I personally don't think their charge is worth what they do as I found all the information I need on Moneysavingexpert.com. I would like to point out I have no issue pay the money I took out but if they can't keep records like the law states and then change the interest rate they are charging me on a adhoc basis (bearing in mind it is a fixed interest rate on the loan) then I am not to happy with them and they are in breach of their own terms and conditions. I for one am not a pikey or anything like that but the bank have basically charging me double the amount of interest on my loan because they can't keep their own house in order so if the loan is canceled then I would see that as fair. Link to comment Share on other sites More sharing options...
Clapham Saint Posted 17 November, 2009 Share Posted 17 November, 2009 i agree with NC Me too. I doubt anybody on here would consider it acceptable if they lent £50 to a friend only for the friend to turn around later and tell them that they were able to pay them back but wouldn't. This is morally no different to borrowing £x from a bank and then using a loophole to avoid paying it back. Link to comment Share on other sites More sharing options...
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