CCS

A question about : CCS

I just received a cold call (on my TPS registered number) from someone at CCS telling me that my mortgage had been mis-sold.

He went into the spiel about all these reasons why it had been missold (none of which were actually truthful - such as brokers being required to give the best mortgage available - they are not required do that and indeed for most it is actually impossible for them to do so).

I am just posting this for the benefit of others that may get cold called by this company spouting off lies and trying to get money off you to put in a fraudulent complaint.

In my case
1 - I am an IFA. So, cannot be mis-sold. They told me I was mis-sold
2 - My mortgage was bought pre-regulation. Not that they would know that as they dont have the facts to make such a distinction.
3 - The reasons they gave were bogus (not one was a valid reason)
4 - Even if I wasnt an IFA and it wasnt pre-regulation, they have no access to personal data held by a broker or the advice given. They are not in a position to tell you that you have been mis-sold or not.
5 - I am TPS registered so shouldnt be getting cold calls.

Beware these scam calls

Best answers:

• Hello dunstonh,
  This is my first time on the forum-any forum for that matter!
  I have joined because I wanted to see whether there was any information or advice on MSE about this scam you describe.
  I was cold-called last week and I am usually pretty good at saying no to nuisance and sales calls but this one was particularly persuasive and after keeping me on the telephone for more than half an hour (and virtually telling me his life story-including how he was 'screwed over' by a previous business partner losing Ј1m overnight whilst he was abroad ski-ing with his family??!!) I would have to admit that I was taken in by this guy and was almost hooked. He told me that it was highly likely that our mortgage (which we took out in 1998) was mis-sold to us. For me, this didn't seem beyond the realms of possibility as we had just been stung by a sale of a previous house leaving us in negative equity, had been forced to rent for a while and our landlady decided she wanted to sell the house we were renting. Due to some poor credit ratings it was difficult to find a mortgage and we ended up with one of the lenders on this scam companies 'black list' . As you can imagine this strengthened his case. Towards the end of the call he proposed that for a fee of Ј149 they could carry out a search on our mortgage and determine whether we could make a claim. Thankfully at this point I refused to make any commitment until I had done my own research. There are a couple of companies operating under different names but I notice that they all seem to be based at the same Swansea address....
  Thank you for clarifying beyond any shadow of doubt that I was right not to part with my Ј149!!
  On another matter. Would you be able to signpost me to where I might be able to get support with a very high interest secured loan which I believe we were mis-sold in 2006 please? It was for Ј50,000 over 10 years and by the end of the term in 2016 we will have paid back a staggering Ј100,000. It is crippling us! Thank you. :-)
• "high interest secured loan which I believe we were mis-sold in 2006 please?"
  Why was it 'mis sold'? Just because something is 'high interest' (which you agreed to), doesn't mean it was 'mis sold.'
• Dear Dunstonh,
  Thank you very much for the information and for taking the time to reply.
  Kind Regards
  Lettie322
• we had one of these calls a couple of weeks ago, I know my mortgage wasn't missold as we went to a very good IFA and at the time with our credit rating we struggled to even get a mortgage, and the deal we got was as good as what was on offer to normal customers in the mainstream market (god knows how).
  he just wouldn't give up and kept spouting despite being told that and us being tps registered, in the end I hung up
• I've had a couple of these calls. Thing is, I'm a retired bank manager and had a staff mortgage so I know exactly what it was and how it worked. These callers are soooo persistent and can get a bit nasty.
• Yep - we've just had one from them. Straight onto TPS - reported them. Pretty much all you can do. She was also dreadfully rude to my missus. Scummy bunch of chancers (that's CCS by the way - not TPS).
• Just had a call too although not about mortgages but about "that road traffic accident you had a while ago, when the third party admitted liability and paid for the repairs to your vehicle". When I asked when this accident was, I was told "when he rear-ended you". The caller quickly hung up when I 'politely' informed him no one had ever rear ended me!!
• I have been having a number of cold calls from dodgy call centres about industrial benefits I am supposedly owed because I have not claimed them. This morning it was CCS ( lots of noisy tele calls in background ) and the caller went straight into asking me some questions . I stopped him and asked for contact details before we went any further . He was using a withheld number and then offered me an 0800 number . when I said " that's no good to me " he spoke for 10 secs and then cut off . These callers are so dodgy they just cut the call when you start asking them questions.
• I was cold called by someone claiming to be from the CCS Legal Department but he spoke so fast, I had to get him to repeat the name. He wanted to discuss a traffic accident I had been in. When I informed him that his information was incorrect, he then pressed me to give him details of others who may have had an accident! I told him I did not wish to speak to him and I requested that he immediately remove my contact details from his database and not to contact me again. I also reported the incident on the TPS website as I am TPS registered. Not much they can do if it is a scam though.
• I had a call from this lot who stated that I had an unclaimed compensation from an accident I had been involved in.
  When I asked how they new about the accident they stated they worked with all the major insurance companies.
  They then said they needed toa sk me some questions to complete a form they had.
  I told them to send the form to my insurance company.
  They said that the insurance company would not give them the information, due to privacy law.
  I told them to send the form to me by post and I would fill it in, they had my address. (where they got my name address and tel No from I would love to know).
  He then said he could not send the form as it was on their computer.
  I said print it out then and send it. He said their system would not allow them to print it.
  I then said why don't you write to my insurance company and ask them to contact me so that I can discuss with them as they have all the details about the accident.
  He then said that he did not know who my insurance company was.
  So I said but you told me you worked with all the major insurance companies?
  He said yes they do but he didn't have the details.
  I then told him to listen to what I am about to say I then told him that 1) I do not give out any information over the phone. 2) If there is compensation owing to me from an accident that nobody was injured in and has been completely resolved, the matter will need to be dealt with through my insurance company and he will have to contact them.
  I then hung up.
  It was an interesting experience as a lot of what he said was almost plausible and I can see that some people especially the elderly would be suckered in by this.
  My one regret and he wouldn't tell me was where he got my information from? It can only have been sold to him by my insurance company or someone involved in the claims process.
  As my accident involved an Italian Lorry there are a myriad of people in the chain, so no chance of getting my hands on them.
• I have just received a call from a witheld number to my TPS registered telephone number from someone saying they were from the CCS Legal Department. She launched straight into telling me it was about me not getting my second payment from my recent motor accident. As others have described, this is all nonsense and completely made up. They do this in the hope that they chance across someone who actually had an accident and believes them.
  Best thing to do with these type of calls is hang up straight away or put them on mute and walk away until they get fed up talking to themselves!
• You can always make a complaint that they are pestering you and if they carry on take it to the Legal Ombudsman.