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Cheque please: Law firm sues Barclays over £2.2million PPI cheque bounce back

Payment protection insurance (“PPI“) litigation rumbles on in the continuing matter of Ingenious Legal Ltd v Barclays Bank PLC in the High Court.

Manchester-based law firm, Ingenious Legal Ltd (“Ingenious“), which acts for customers in consumer credit cases, is suing Barclays Bank PLC (“Barclays“) for £2.2 million. This is after Barclays cancelled a cheque to refund Ingenious customers who were allegedly wrongly sold PPI amid fears about whether Ingenious legitimately represented the individuals.

Barclays allege that the reason for withholding the funds was due to receiving calls from “unspecified customers,” who led the bank to believe that Ingenious was bringing complaints on behalf of customers without the correct authority. Whereas, Ingenious insist that they have settled PPI claims for its clients with Barclays and that the bank had consequently drawn cheques in favour of the customers. However, between 16 March 2020 and 27 March 2020, Barclays revoked these cheques. The law firm said that they “had the authority of each of the clients to act on their behalf in intimating and compromising the PPI claims against the defendant.” According to Ingenious, “this authority derived from the written contract entered into by the claimant with each of the clients.”

Watch this space for more news as the case continues.

© Copyright 2020 Squire Patton Boggs (US) LLPNational Law Review, Volume X, Number 122



About this Author

Garon Anthony Litigation Attorney Squire Patton Boggs Birmingham, UK

Garon is a partner in the Litigation Practice Group. He advises clients across the full range of commercial dispute issues, including cyber liability/data breach, professional negligence, banking, pensions and insurance.

Garon regularly acts for clients who are subject to investigations or disciplinary proceedings by national and international regulators, including most recently the Financial Conduct Authority, the Financial Reporting Council and the Dubai Financial Services Authority.

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Rose Chaudry, Squire Patton, Commercial Litigation Lawyer, Tortious Contracts Attorney

Rose Chaudry is an associate in the Litigation team with expertise in general commercial litigation. Rose qualified in September 2015 after completing her training contract with the firm.

Rose regularly acts for a diverse client base, including individuals and companies, from SMEs to PLCs. Rose has experience advising on a wide-range of matters of both a contractual and tortious nature, including breach of contract, breach of warranty, debt recovery, professional negligence and insurance.

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