Rare Direct Media Limited (Case reference: 01395)
| Case Number | 01395 |
| Year | 2010 |
| Published date | 14 April 2010 |
| Adjudicated Party | Rare Direct Media Limited |
| Procedure Type | Track 2 (Phone-Paid Services Authority) |
THE CODE COMPLIANCE PANEL OF PHONEPAYPLUS
TRIBUNAL DECISION
Thursday 1 April 2010
TRIBUNAL SITTING No. 50/ CASE 3
CASE REFERENCE: 829406/PJ
Service provider:Rare Direct Media Limited, Yorkshire
Information provider: N/A
Type of service:Recorded mis-sold Payment Protection Insurance
refund claim service
Title:Home Loan & Flights to New York
Service numbers:09074734000, 09074734001 and all other PRNs on
which this service is available
Cost:£1.50 per call
Network operator:Core Telecom
Number of complainants:61
THIS CASE WAS BROUGHT AGAINST THE SERVICE PROVIDER
UNDER PARAGRAPH 8.5 OF THE CODE
BACKGROUND
PhonepayPlus Executive (the ‘Executive’) received 61 complaints by February 2010 in
relation the service operating on premium rate numbers 09074734000, 09074734001 and all
other PRNs that the service operated on. On calling any of the numbers, consumers were
presented with a recorded message in relation to Payment Protection Insurance on credit
agreements that may havebeen mis-sold and were asked to provide their details so that
they might receive a call-back in relation to the subject matter.
PhonepayPlus examined consumer complaints and monitored the service. During the course
of its investigation PhonepayPlus became concerned of issues in relation to fairness, pricing
information and contact information.
Monitoring Service
The Executive monitored the service inDecember 2009. The Executive stated that, whilst
using an application on the iPhone, it was presented with one of several banners; the
content of the various banners was as follows:
“Need a home loan? 1.50 min”
“Need a homeowner loan? Apply here!”
“UK to New York only £199 Return”
When the Executive clicked on the banner advertisement, a callwas automatically triggered
to the one of the premium rate numbers. There was no intermediate screen asking users to
confirm whether or not they wished to make that call. When the premium rate number
answered, the caller was played a brief message statingcall costs, followed by a recorded
message advising that “98% of Payment Protection Insurance on credit agreements have
been mis-sold and that now you can claim this money back plus interest”.The Executive
was then invited to dial an alternative number or leave a name and contact details for a call-
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