Jusic International

I just completed a three month wrestling match with a company named Claims Financial who I had the misfortune of coming in contact with by ticking a box online that I would be interested in discussing recovery of mis-sold Payment Protection Insurance from my credit card companies. After ticking this box I was fervently pursued with constant texts encouraging me to as they say "fast track my claim", now before it became public knowledge  that most PPI was mis-sold I had stumbled on this fact as far back as 2007 when some royalties were delayed and I realised my PPI did not come to my rescue as a self-employed individual I needed to be "wound up"  or no longer receive any income from my business, which by the nature of said business even when I die income will continue from Broadcasting and Performance royalties, hence I discontinued payments.The courts made it law that customers should recover payments made prior to the law, suddenly Claims company were springing up all over offering to recover customers money usually for a percentage of the recovery, The Office of The Financial Ombudsman Service made me aware I was able to do this on my own but thinking of the time consuming  back and forth that might be involved I thought it no big deal to pay a company a percentage to take care of the formalities for me, after all they are tripping over themselves offering their services. The first company I tried with took 25% of my recovery including illegal charges but over a year of recovering the more sizeable returns these guys decided to move the goal-post for the rest with brand new terms, so I terminated my dealings with them, so I was very reluctant  when this Claims Financial started hounding me and went as far as explaining to them my earlier experience and outlined if exploitation was their objective I'll take a pass, yet they stuck to their task declaring they were regulated by the Ministry of Justice so I decided to take a chance on them, first thing was to "fast track my claim" I needed to sign some forms and provide my card details which immediately sent off alarm bells as their mantra was "No win No fee""No upfront fee", so I called them on this and they gave me some cock-a-maney explaination that this was needed to validate the agreement, so far no terms of agreement was made available so in my mind I am thinking of a similar 25% or thereabouts of the recovery would be required by them, now I started dealing with this company in June 2010 and the first recovery for £140.19 was offered by my first credit card, I was preparing for a business trip so I decided to call the claim company to arrange payment to them before I departed, to my shock a lady informed me they required 50%, when I voiced my diapproval she told me that was an error, there is a fixed fee for PPI recovery of £450.00 that is outlined in their terms of agreement, which had been quietly sent to me after the necessary signings and credit card details, so if you do the math with me my recovery of £140.19 will now need an additional £310.00 to satisfy this claim company, I promptly reported my experience to the Ministry of Justice, The Trading Standards for my county and Consumers Direct plus a letter of termination to CF dated 24 July 2010 in other words it took close to a month for me to realise I wanted to have nothing to do with this company, their reaction was to completely ignore my termination letter and my correspondence with the Ministry of Justice while insisting they now needed £140.19 as their fee for the recovery of £140.19, now in my assesment of the English Language "No Win No Fee" meant these people had just nullified any chance of them getting a fee as for me to recover zero of my recovery don't exactly sound like a win on my part, then the "No Upfront fee" make £450.00 for PPI claims sounds very much like an upfront fee. To my surprise instead of the Ministry of Justice coming down hard on these people for trying to exploit consumers they were more sounding like assisting me to cope with the company's frivolities like suggesting I send them a cheque for 25% that if they took me to court that would be favorable to my defence, which I did and CF duly returned my cheque to me and approximately one month after my termination letter they used my credit card details to withdraw £140.19 while sending letters of upcoming recoveries they are working on, as if apart from my signature I had no say in the matter regarding access to my finances, at one point they had a new invoice for an offer from another card claiming if I didn't respond they would deem I got the money direct all based on the efforts of their crack legal team similar to the "OJ Dream Team", unknown to them since my termination letter I had informed all my card I am no longer represented by CF so as we speak my card company is in the process of recovering my £140.19 from them  and I a legal novice has successfully recovered all my outstanding PPI while still receiving daily texts and phone calls to I guess strike some fear in me, eventually the Ministry of Justice informed me that they have agreed to accept 25% of the £140.19 while still encouraging me to call them as if still trying to give them the preference, when frankly I was prepared to go to court to be updated as to the kind of society we are presently living in, as I mentioned to the lady at the MOJ if one of these companies had in their terms that I needed to sell my children into slavery and I didn't notice it  would I then be required to sell my children into slavery, or are we a society that can discern right from wrong in all it's forms. Like the Business Secretary Mr. Vince Cable said this past week we need to take a carefull look at Capitalism as I for one is having second thoughts of a system that  gives free reign to those that wish to cannibalise the poor masses for their individual greed, how on earth could you be recovering money that was illegally taken from me in the first place and with a straight face try to take every penny of my said money with the most forcible of arrogance, when my reality is as a descendant of slaves who is yet  to recover my foreparents blacksmith, farming, childcare, cook etc wages  while placing all those occupations under the heading of slavery, what is it about us that we are not allowed to have money.