02890324055

I have just had a call - recorded message saying they will contact me again in two days or I can ring them.
It may be another PPI caller but when do these idiots get the message.  I have not had any but will they no for answer !!!

http://www.ifaonline.co.uk/ifaonline/news/216 ... -ifas-unfounded
Claims managers pursuing IFAs over ‘unfounded’ cases

Author: Alasdair Pal

IFA online | 16 Apr 2012 | 12:20

Categories: Regulation Topics: claims handlers| MPPI| endowment complaints| endowment mis-selling

Advisers have criticised the Ministry of Justice (MoJ) for failing to protect firms from invalid mis-selling cases levelled by claims management companies (CMCs).

A number of IFAs say they are being unfairly targeted by CMCs for allegedly mis-selling products including mortgage endowments and health insurance policies.

It follows a rise in the number of consumers using CMCs as a result of the mass mis-selling of payment protection insurance (PPI).

But advisers say the MoJ, which regulates CMCs, is failing to protect them from "unwarranted" claims.
Alan Lakey, partner at Highclere Financial Services, lodged a complaint with the MoJ in November 2011 against Devon-based claims manager EMC Advisory Services (EMCAS).

EMCAS had made a number of allegations, apparently on behalf of two clients advised by Lakey, regarding a Clerical Medical endowment policy.

They included that the policy was unsuitable; that no attitude to risk was undertaken; and that the client was led to believe the policy would be used to pay off the mortgage loan.

However, Lakey said the clients subsequently confirmed they had made no such claims. Instead, Lakey said, they had been advised by Nationwide Building Society, where they had an account, to allow EMCAS to investigate the possibility of a claim.

In correspondence with the MoJ following his complaint, Lakey was told it could only investigate if the clients complained to it directly.

The organisation also mistakenly filed Lakey's original complaint as being about PPI, even though it made no mention of it.

"It's madness," Lakey said. "I only want them to deal with this in a proper manner because I am the victim, but they said only the client could complain!"

Lakey has now written to secretary of state for Justice, Kenneth Clarke MP, asking him to look into the matter.

He said CMCs were using aggressive tactics in order to frighten advisers into early settlements.
"Had I been weak-minded or not had the correct files, I might have been paying out," he said.
Meanwhile, Michael Both, a partner at Michael Phillips, said he was unfairly contacted by another claims manager which no longer features on the list of MoJ-approved firms.

He said the CMC was making a standard accusation: that he had a client with an endowment, so it "must have been mis-sold".

"We investigated the claim, which was clearly unfounded. But it [the CMC] told us from the start that if we didn't roll over, it would cost us an awful lot of time and money.

"If it wasn't so serious it would be funny. When clients have been mis-sold they should be compensated, but the fact is we are always pilloried as the bad people.

"It puts premiums up and makes the general public pay out more. For insurance companies it's cheaper to pay the claim than to fight it."

A spokesperson from EMCAS said no cases were investigated without written permission.
"Given our years of experience in handling claims, where a product provider informs us an IFA is involved in the sale we will review the claim based on our past experience of the business," she said.

"Where we know that IFAs have robust processes and give good advice we will advise our clients that we, in our professional opinion, do not feel their claim will be successful and that we will close our file.
"From time to time we are bound to be talking to IFA customers. If that prompts them to talk to their IFAs about the issue then so much the better - we don't mind how consumers get redress in mis-selling cases, but we do want them to get it."

I am on TPS I do not want calls from anyone like this.

We received a claim from EMCAS, which the clients immediately advised they had been deceived in to making when we contacted them (of course EMCAS had recommended they don't speak to us). With the clients help we obtained recordings of the conversation, and it is basically a con. The clients were told that I would not even be contacted, when in reality all companies always speak to an adviser when a complaint is received. This was to deceive the client in to believing that it would not affect their relationship with me. After all, it is far easier to persuade someone in to making a claim against a faceless corporate entity than someone they have a relationship with. Having failed to get the client to say they were not aware of any investment risk, EMCAS then asked whether I had told them they could lose all their money, even though they were not aware of the asset allocation or funds used (over 50% was in fixed interest and property).  They then advised the client that I had miss sold them by not telling them this, even though no one in history has ever lost all their money in the type of portfolio I had recommended.

EMCAS then provided unauthorised investment advice by telling the client they would not invest in that investment if they knew the true risks, or at least the risks they were trying to deceive the client in to believing.  They then slander every financial adviser in the UK by saying the reason we don't tell people the truth is because we have high sales targets and therefore recommend the product that pays us the most commission rather than the one that is best for the client.

They then tell the client that equities and property investment are high risk, a blatant lie regarding the latter, and a lie in relation to most equity funds (EMCAS made no attempt to establish what equity funds had been used). The client said they could not recall what other investment products had been considered, and yet EMCAS made a complaint to me that I had failed to consider more suitable products. In response to our complaint that EMCAS have a history of deceiving people in to making false complaints, EMCAS said that they have never had a ruling against them from the MoJ in relation to this.  However, another IFA has shown me correspondence from the MoJ confirming they had taken enforcement action against EMCAS in relation to his complaint that EMCAS had deceived his client.

It is time the MoJ did their job and withdrew EMCAS'S licence because they represent a risk to the public.

They claim to be legit but EMCAS are a scam:
www.google.co.uk/search?q=EMCAS+SCAM
www.ifaonline.co.uk/ifaonline/news/2167503/cl ... -ifas-unfounded

EMCAS is a trading name of EMC Advisory Services Limited. Registered Office:
EMC House, 38-40 Palace Avenue, Paignton, TQ3 3HE.
Registered in England and Wales; Company Registration No: 04859586  
EMC Advisory Services Limited is regulated by the Ministry of Justice in respect of regulated claims management activities. Authorisation Number: CRM1768
EMC Advisory Services Limited are registered with the Information Commissioner under the Data Protection Act 1998. Registration number Z8192370.

Pages and pages of complaints about EMCAS and related misery on www.whocallsme.com
www.google.co.uk/search?q=site:whocallsme.com+%22emcas%22

Complain to the ICO who fine companies £500,000 who ignore the TPS do not call list and those who are still called despite a request to be taken off their call list, irrespective of the TPS.

From the links on www.ico.gov.uk/complaints/marketing.aspx

https://www.snapsurveys.com/swh/surveylogin.asp?k=134674895144

"Tell us about unwanted marketing text messages and telephone calls you have received

If you've had an unwanted marketing call or message we want to know about it.  

Please provide as much information as possible to help us investigate the organisations responsible for sending these marketing communications."

ANOTHER SILENT CALLER!!!
SO I SPENT AGES ON THE INTERNET IN AN ATTEMPT TO FIND OUT WHO THIS WAS.  I CHECKED AND RECHECKED THE RESULT AND IT CAME UP AS McELHATTON, 106-110 DONEGALL STREET, BELFAST, BT1 2GX.
AS MUCH AS I FELT LIKE CALLING THE NUMBER TO GIVE THEM A GOOD PIECE OF MY MIND I THOUGHT I WOULD NOT LET THEM SEE HOW RATTLED I WAS SO DIDN'T CALL.  PLUS I DON'T SEE WHY I SHOULD WASTE TELEPHONE MONEY ON THESE LOWLIFE.
THEY APPEAR TO BE A NIGHTLUB OR PUB OR WINE SELLER.  SO WHAT THE HELL THEY ARE DOING CALLING U.K. SUBSCRIBERS IS BEYOND ME?
I JUST HOPE SOMEONE RESPONDS THE NEX TIME THEY CALL!!

A real nuisance....several calls a week..asked to be taken off their list..hope it happens.

Continually calling me but when answered there is no one on their line

have had 7 calls in 24hrs from this no win no fee bunch of cowboys trying to get me to have a hearing test then claim for industrial injuries i/e loss of hearing fed up with cold callers door knockers touting for work ?

They ring at least once every day and generally stay silent. Very annoying. Wish that would STOP ringing, as I am not interested in PPI or any other claims?

Another crap call, will just not answer in future now I have the phone number. Tps waste of time.
Why don't you guys do something useful and go get a real mans job like I have. At least I can hold my head up high and be proud.

This company is repeatedly cold calling me - often mid evening. They should be censured and fined!

STOP this number calling me please - cannot answer the phn anymore and have to acccess numbers via 1471 for fear of this harrassment

The calls from 02070605576 are generated by a Belfast call centre operated by Experiences Connect Ltd. This company is an introducer for EMC Advisory Service (EMCAS)  regarding various mis-selling of financial products such as PPI, endowment life insurance, etc.

The directors of Experiences Connect Ltd are:

Steven Robert Wells director and company secretary who's home address is[removed]

Gary John Wiffin director who's home address is [removed]

Perhaps a silent call to  Gary about 3am in the morning may entice this company to stop hounding the public!

Don't think these are legit, as they said that they can call even tho' I am registered with the telephone preference service, but hung up when I said that I was going to report them them to the ICO anyway.

Does anyone smell a rat??

At EMCAS, we treat all complaints about our service seriously. We only buy data from reputable suppliers and only call clients who have expressly consented to further communication from either phone or website surveys and competitions. If you have any concerns regarding how we obtained your contact details and/or to request we remove your details from our lists, please email compliance@emcas.co.uk.

Please remember that we can only stop calls to your number if you tell us that you do not wish to receive them and you provide us with the relevant number that has been receiving the calls.

Kindest regards

EMCAS

The whole thing is one big scam.     During the past few years, yes, few years, we have not at any time given our telephone number to any internet site. AND we made sure we have "ticked" or not "ticked" the correct boxes. We do not give our consent to be contacted by anyone.    So why do these scumbag scrammers keep tryng?  As for contacting them via email!    Do you think we were born yesturday?
Whole thing and the company are a  big scam....

This applies to anyone who has tried to 'phone us.   We don't want it.

had phone call from toby,01392889406.took my details said would ring back today,has not so far,should i not bother with company?

Why not read some of the other posts on here and make up your own mind.  You should be aware that, if you have a claim for PPI you can pursue it yourself for free, using "Which" or Moneysavingexpert websites.