The Youth Consumer Service

Advice and support for young people to understand and assert their consumer rights

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Talktalk ceo help. Read more at https://www.consumeractiongroup.co.uk/topic/420928-talktalk-ceo-help/

@BritanniaLtd Coronavirus: Britannia Hotel made staff homeless in 'admin error'. Read more at https://www.consumeractiongroup.co.uk/topic/420603-britannialtd-coronavirus-britannia-hotel-made-staff-homeless-in-admin-error/

Shocking pictures reveal ‘disgusting’ conditions inside Hermes depot where workers ‘feel like slaves’. Read more at https://www.consumeractiongroup.co.uk/topic/419726-shocking-pictures-reveal-%E2%80%98disgusting%E2%80%99-conditions-inside-hermes-depot-where-workers-%E2%80%98feel-like-slaves%E2%80%99/

Euro Car Parks issued this ticket to the police in Devon and Cornwall. Read more at https://www.consumeractiongroup.co.uk/topic/419522-can-anyone-identify-the-parking-company-which-issued-this-ticket-to-the-police-in-devon-and-cornwall/

@AO tumble dryer faulty at 13 months AO.com - brilliant customer service - **Bravo AO**. Read more at https://www.consumeractiongroup.co.uk/topic/419448-ao-tumble-dryer-faulty-at-13-months/

Be a kid this Chistmas. Read more at https://www.consumeractiongroup.co.uk/topic/419309-be-a-kid-this-chistmas/

Caledonian Moving and Storage - Disappearance of Belongings. Read more at https://www.consumeractiongroup.co.uk/topic/418604-caledonian-moving-and-storage-theft-of-belongings/

Mobile users can now switch providers with one simple text. Read more at https://www.consumeractiongroup.co.uk/topic/417284-mobile-users-can-now-switch-providers-with-one-simple-text/

Currys refused to honour purchase. Read more at https://www.consumeractiongroup.co.uk/topic/417157-currys-refused-to-honour-purchase/

My personal experiences of Future Comms 
 
Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!

Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/

Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/

This is a bit of a lengthy one but I’ll summerise best as possible.
 
THIS IS HOW THE PHONECALL WENT 
 
I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
so far so good.....
i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
so far so good....

A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/

The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
Please see the links below for summaries and full details from the FSA website.
It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
Furthemore, irresponsible lending practices are also unfair and unlawful.
Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
You are entitled to refuse counsellor visits and not incur any charges.
Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
It is clear that some mortgage lenders are trying to cheat you out of your money.
You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
You should consult others on these forums when considering any offer.
You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
You must make your complaint through the County Court for a rapid and effective remedy.

http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
http://www.fsa.gov.uk/pubs/final/redstone.pdf
http://www.fsa.gov.uk/pubs/final/db_uk.pdf
 
http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
Do you have a mortage arears claim to make? Then post your story on the forum here

30 Day Right To Reject - Vehicle Casualty Report. Read more at https://www.consumeractiongroup.co.uk/topic/415585-30-day-right-to-reject-vehicle-casualty-report/

I am new here but very glad to find my way here and would welcome any input.
 
i purchased a brand new campervan conversion from Hillside Leisure (175 miles from our home) on July 26th for £31,000 and, within 48 hours, during a storm, the alarm began to sound incessantly. We could not get it to stop, even after trying everything listed in the manual. We phoned Hillside on Saturday July 28th around 2.00pm. The young man who answered the phone said he would seek the advice of their technician and call us back, which he did. The technician told us that they, Hillside, couldn’t help, but that we should take the van to Nissan (the van is a Nissan) as the fault would lie with one of their components.
 

Hi all..... I just don't know what to do... received a summons today for non payment of Council Tax.

It's in both mine and my husband's name and although we live together we also live quite separately, and don't share a bedroom or anything ... we have separate finances, but, on account that I only get a State pension of £306 a month, he pays most of the bills.

He has a State Pension, a small private pension and he works part time... he gets about £2k a month.

Years ago, we had a joint bank account, and I made sure the bills were paid on time... but now I don't even have access to his account so don't know what's been paid or what hasn't until the (unpaid) bills drop through the letterbox.

Anyway, as I said, we are jointly responsible for the council tax on our rented property, and have been summonsed to appear at court as he apparently didn't pay the last 2 installments.

He doesn't seem to worry about such things but I am at my wits end and suffer from anxiety... I don't want to be someone who is being chased for money all the time.

Do I have any defence at court if I state that I am unable to pay? It's not my fault that I receive such a small pension... I had to take part time jobs years ago so that I could look after my children. I have no other money or savings... I don't see what I can do to avoid a criminal record.

I hope someone can help, please...