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    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • 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....
      • 14 replies
    • 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/
      • 0 replies
    • 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
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      • 0 replies
Michael Browne

ConsumerWiki - A-Z Index

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ConsumerWiki - A-Z Index

 

 

 

 

1st Credit Limited

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Abbey: Court Bundle & Witness Statement

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Account Closures: What to do.

Account in Dispute Letters

Aktiv Kapital Asset Investments Limited

Alliance & Leicester

Allocation Qestionnaire: Stays & Strike Out Requests

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Bailiffs: Invalid Walking Possession?

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Bailiffs: Ownership of Goods

Bailiffs: Paying During Removal of Possessions

Bailiffs: Reclaim a Walking Possession Fee

Bailiffs: Refund of Fees (Letter to Bailiffs)

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Court Date?; A Guide to the Different Hearings

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Credit File: Cleaning Up Your Credit File - Consumer Wiki

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CYNtheSYS

 

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DCA: Non-Compliance of CCA Request

DCA: Using CPR 31.14 to Your Advantage

Dealing With Debt: Common Mistakes

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Debt: Glossary of Terms

Debt Handbook

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Debt Collection Agencies: Statutory Demands

Debt Collection: OFT Guidelines

Debt Collectors: Contact Details

Debt_Collectors:_Doorstep _Visits

Debt Collectors: On the Inside

Debt Collectors: On the Inside - Q & A's

Debt Collectors: Which Bank Uses Who?

Debt Management Plan

Defaults: How to Remove

Delayed Flight

Desensitising the consumer

Direct Debit Guarantee

Direct Legal & Collections

Directions: Non-ComplianceDiscussion forum

Disability & Special Needs: Useful Links

Disrepairs in Private Rented Accommodation

Documents Library: T & C's

Doorstep Selling Regulations

Draft Direction Order

 

Early Day Motion

Examples of Witness Statements / Disclosure by List / Draft Directions / Case Summary

Extended Warranties

 

FAQ

Financial Ombudsman

Financial Services Authority

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First Direct

Forum

Forum Post Signatures

Fraud Prevention Service

Free Alternative to Excel

Frequently Asked Questions

Frequently asked questions

 

Giving The Banks More Time Letter

Glossary Of Abbreviations

Go Debt Limited

Going to court

Got a Judgement?: How to Get Paid

Guide

Guide to reclaiming bank charges

 

Halifax

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HFC Household

Hillesden Securites Limited

Holiday complaint template letter

How Do I....? A Dummies Guide to the Forum

How To Make Posts

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How to Get Out of Debt

HSBC

 

Information Commissioner

Intelligent Finance

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Intrum Justitia Limited

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IVA

 

Judgement: How to Enforce

 

Ken Maynard

 

LBA

LBA (Subject Access Request)

Lba

Legal Arguments

Legal Arguments In Support Of Your Claim

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Link Financial Limited

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Lloyds

Lloyds TSB

Lloyds Witness Statement

Lost Accounts: Banks, Building Societies & National Savings

Lowell Group

 

Mackenzie Hall Limited

Main Page

MCOL

Mediation

Mercantile Courts

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MBNA

Money Claim On-Line

 

National Westminster

Nationwide

NatWest

Newsletter

N.Ireland Competition Commission

N1

N1 Form

N1 POC

N205A Notice of Issue

Northern Ireland Small Claims

Notice of Correction

Notice of Disassociation

Notice of Discontinuance

 

OFT: Consumer Credit Register

OFT: Personal Current Accounts Report

OFT Test Case

OFT Test Case: Reply to Banks Defence

OFT Test Case : POC's

OFT Test Case: Q & A's 30 May 2008

OFT Test Case: Q&A's 14 August 2008

OFT Test Case: Transcripts

OFT v The Banks: Read This If You're Worried

Offers

Office of Fair Trading

 

 

Parachute Account

Parking Tickets: Changes to the Law from April 2008

Particulars Of Claim

Particulars Of Claim(Money Claim)

Patricia Pearl

Pay pal and ebay suspicious emails

Peter McNamara

PM

POC - Business Accounts

PoC

Podcasts

Poor work complaint letter template

Power of Attorney

PPI

PPI Complaints

PPI: Documents for Bundle

PPI: Full Subject Access Request (Subject Access Request)

PPI: Particulars of Claim

Prelim

Preliminary Approach For Repayment

Preliminary approach for repayment

Private Forum Messages

Private Messages

Private Parking Companies

Private Parking: Clamping Guide

Private Parking Ticket:s Template Letters - If you wrote before finding this site

Private Parking Tickets: Template Letters

 

Quality standards

 

Recording Telephone Calls

Rejecting OffersRejecting conditions

Rejection Of Offer

Rejection of Settlement Offer

Representing Someone in Court

RIGHT OF APPROPRIATION

Robinson, Way and Company Limited

Royal Bank of Scotland

 

Sale of Goods: Basic Rights

Subject Access Request

Subject Access Request

Schedule of Charges

Scotcall Limited

Scotish Small Claims Procedure - Act of Sederunt 2002

Scottish Step by Step

Sederunt

Settlement letter, rejecting conditions

Signatures

Small Claim Kit

Small Claims FAQ

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Smile

SOGA

SOGAS

Spreadsheets

Statement of Evidence

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Statutes Library

Statutory Demands

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Stautory Interest in Your CCJ: Are They Entitled To Claim

Stay Hearing: Court Bundle

Stay Hearing: Skeleton Argument

Stays re: OFT Test Case

Step By Step GuideSubject Access Request

Stop Junk Mail & Nuisance Calls

Subject access request

 

Taking Back Control of Your Finances

Tax on Interest

TfL: Bailiff Fees

TfL: Request for Refund of Excessive Bailiff Fees

Templates library

Thames Credit Limited

The Cabot Financial Group of Companies

The Consumer Action Group and MoneySavingExpert.com beat Hulll Strike Out Orders

The Consumer Forums

The Consumer Protection from Unfair Trading Regulations 2008

The Consumer Prtection from Unfair Trading Regulations: Complaint Template Letters

The Sale of Goods Act

The Supply of Goods and Services Act 1982

The Unfair Contracts Terms ActThe Unfair Contracts Terms Act 1977

The Unfair Terms in Consumer Contracts Regs. 1999

Theft Act

Things you really need to know

Tomlin order

Traffic Enforcement Centre: Code of Practice

Treasury Select Committee

 

UTCC

Unfair Terms in Consumer Contracts

Useful External Links

Utilities: Financial Help

 

Warrant of Execution

Wasted Costs

Wescot Credit Services Limited

When You Get Your Refund

Withholding payment letter template

Woolwich

Working for a Bank

Write concise letters

 

Yorkshire Bank

 

 

 

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Edited by MARTIN3030

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