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“When you are chasing them up they make false promises,” he claims.

La liquidation judiciaire est une procdure collective prononce par le Tribunal de commerce ou le Tribunal de grande instance l'encontre une entreprise en cessation de paiement et pour qui le redressement judiciaire n'est pas envisageable.

They even had an Easter sale, less than two weeks before they went bust.

It was only when Parish learned he was owed compensation – £4,500 from Lloyds Bank and then multiple other smaller payments, to a total of £12,000 – that the tone changed.

As the PPI claims deadline loomed, the compensation industry was just getting started.

Claims companies are preparing to take banks to court to pursue payments and are looking at compensation from car financing dealsarc Parish doesn’t remember how he heard of Hall and Hanley.

But if PPI had been sold in his name, the claims management company could potentially get him thousands of pounds in compensation. It had a reason to be: if it helped Parish reclaim money, it was entitled to a 29 per cent cut of everything repaid.

When Parish called up, he was able to speak to someone about his claim. He would try to check his claims’ progress and says no one was able to answer his questions.

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