Tina pays price in the claims game

Tired: Tina Spencer says 'guard was down' when claims firm rang. Picture:          Barry Richardson
Tired: Tina Spencer says 'guard was down' when claims firm rang. Picture: Barry Richardson
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The caller from Tucan Claims confidently predicted Tina Spencer would get £2,500 compensation for being mis-sold payment protection insurance on her mortgage.

But when she came off the phone she realised she hadn’t even been asked for the address of the house she had owned briefly nearly 30 years ago. She’s been renting ever since.

What she had divulged, though, were her bank account details after being told they were needed to pay her compensation directly.

But four days later £250 was taken from her account.

Tina, aged 52, of Prince of Wales Road, Manor, split from her husband when their son Christopher was one and moved into a flat.

She is now full-time carer for Christopher who is now 28 and has autism and learning difficulties. She said: “Only afterwards did I realise they didn’t even ask for my old address. And I almost certainly didn’t have Payment Protection Insurance (PPI) or qualify for compensation.

“I’ve been silly, I was a bit tired and when they rang my guard was down. I’m living on benefits and I can’t afford this.”

“I rang them to ask for my money back but they were very persuasive saying, ‘think of all the money you will make’.


Tucan Claims manager Terence Nathan issued Tina with a refund immediately.

But he insisted they had no record of her calling to request her money back. He also said the firm was regulated by the Ministry of Justice.

Tens of thousands of people have reclaimed mis-sold payment protection insurance. And the door is now fully open after the banks conceded victory in April.

The scandal has been a boon to claims management firms which promise to help victims claim compensation.

A record 349 firms were closed down by the Ministry of Justice in the last year - a 10-fold increase on the year before.

Action was taken for failing to meet the regulator’s requirements for authorisation as well as fraud, misleading marketing and aggressive sales techniques.

If you think you were mis-sold PPI, you don’t need help chasing a refund. Complain to your bank and if that does not work go to the Financial Ombudsman Service.