Jump to content

  • Tweets

  • Posts

  • Our picks

    • 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.
      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.

      Do you have a mortage arears claim to make? Then post your story on the forum here
        • Like
      • 0 replies
Michael Browne

ConsumerWiki - A-Z Index

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4183 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

The Index Page in the ConsumerWiki is tucked away and not that obvious


The easiest way to find what you're looking for is to enter the key word/s in the Search Box. This will then take you to that page if one exists with that title, or will list Article and Text Matches.


Alternatively, here are the Wiki A-Z links which will take you directly to that page:




ConsumerWiki - A-Z Index





1st Credit Limited


Abbey: Court Bundle & Witness Statement

Abbey: Court Hearings

Abbey Gesture of Goodwill Payment

Abuse of credit register

Acceptance of Settlement Offer

Account Closures: What to do.

Account in Dispute Letters

Aktiv Kapital Asset Investments Limited

Alliance & Leicester

Allocation Qestionnaire: Stays & Strike Out Requests

Allocation Questionnaire

Allocation Questionnaire: Dispensing With the AQ

Amending A Claim

Application For Costs

Application for Removal of Stay: Updated

Application for removal of a stay

Australian Penalty Fees Report

Automatic Subject Access Request Generator



Bailiffs: Check a Bailiffs Credentials

Bailiffs: Code of Practice

Bailiffs: Complaint about Certified Bailiff

Bailiffs: Complaint Against a Council to the LGO

Bailiffs: Council Tax - Stop Enforcement

Bailiffs: Council Tax Template Letter

Bailiffs: Detailed Assessment of Fees

Bailiffs: FOI Request for Fees

Bailiffs: Get The Bailiff to Pay Off Your Debt

Bailiffs: How to reclaim an Impounded Vehicle

Bailiffs: If You Have Been Overcharged By a Bailiff

Bailiffs: Invalid Walking Possession?

Bailiffs: Irregular Distress

Bailiffs: Letter for Council Tax Bailiff at Your Door

Bailiffs: Make a Complaint About a Certified Bailiff

Bailiffs: Making a Form 4 Complaint

Bailiffs: Ownership of Goods

Bailiffs: Paying During Removal of Possessions

Bailiffs: Reclaim a Walking Possession Fee

Bailiffs: Refund of Fees (Letter to Bailiffs)

Bailiffs: Refund of Fees (Letter to Council)

Bailiffs: Reply to Notice of Seizure

Bailiffs: Reporting a Bailiff to the Police

Bailiffs: Subject Access Request

Bailiffs: Useful Template Letters

Bailiffs: Subject Access Request

Bailiffs: Types and Fees

Bailiffs: What They Can & Can't Do



Bankruptcy: Glossary of Terms

Bank Survey

Bank Worker

Bank of Scotland

Banking Code



Basic Court Bundle


Benefits and the Social Security Administration Act

Bills Of Sale & Repossession of Goods

Brighthouse Fact Sheet

Buddy system

Business Claims

Business Rate Arrears


CAG - How to Complain

CAG email addresses

Child Support Agency: Subject Access Request

Cabot Financial (Europe) Limited

Cabot Financial (UK) Limited


Cancelling an order letter template

Capitol one

Capquest Debt Recovery Limited

Case management Information Sheet


Citizen's Advice Bureau

Citizens Advice Bureau

Civil Procedure Rules


Commercial Sites

Compaints letters

Complaint Letters: Gyzmos's Guide

Complain by phone

Complaint letter template

Consolidated Loans


Consumer Action Group

Consumer Credit Act

Consumer Credit Act:Section 75

Consumer Credit Act template

Consumer Credit Agreements - Consumer Wiki

Consumer Credit Counselling Service

Consumer Credit Litigation: Basic Guide

Consumer Rights

Contact details for banks

Council Tax Bands: Check & Challenge System

Council Tax: Offer to Pay Monthly

Council Parking Ticket: No PCN or NTO Received-Advice

County Court

Court Bundle: Advanced

Court Bundle: Non-Compliance Letter

Court Bundle For Dummies

Court Date?: A Guide for Lloyds Claimants

Court Date?; A Guide to the Different Hearings

Court Fees

Court Service Information


CPR 18 Request Reponse

Credit Agreement Requests: Basic Information

Credit Cards: Who Owns Who

Credit File: Cleaning Up Your Credit File - Consumer Wiki

Credit Reference Agencies

Credit Reference Agency: Put Your CRA on Notice

Credit Scoring

Credit Unions

Creditors and DCAs

Current events



Data Controller

Data Protection Act

Data Protection Act: Non-Compliance

Data Protection Act (Data Protection Act)

Data Protection Act - S10 Notice

Data Protection Act Non-Compliance - Particulars of Claim

Data Protection Complaints: Template Letters

Data subject

DCA: Non-Compliance of CCA Request

DCA: Using CPR 31.14 to Your Advantage

Dealing With Debt: Common Mistakes

Dealing With Debt: Insolvency

Debt: Glossary of Terms

Debt Handbook

Debt:: Letter Templates

Debt: Negociating with DCA's

Debt: Where to Get Help

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



Financial Ombudsman

Financial Services Authority

Financial Servicves Authority

First Direct


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 to reclaiming bank charges



Harassment by telephone

Hardship & Stayed Claims

HFC Household

Hillesden Securites Limited

Holiday complaint template letter

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

How To Make Posts

How to Complain - A Comprehensive Guide

How to edit the Wiki

How to Get Out of Debt



Information Commissioner

Intelligent Finance

Interest Tutorial

Intrum Justitia Limited

Isle of Man Claims



Judgement: How to Enforce


Ken Maynard



LBA (Subject Access Request)


Legal Arguments

Legal Arguments In Support Of Your Claim

Legal Disclaimer

Legal Phrases: A-Z Guide

Letter Before Action

Letter Before Action (Subject Access Request)



Link Financial Limited

Link to CAG

Liqidated Damages & Penalties

List of Settled Cases

List of Settled Claims

List of charges by bank

List of companies

List of company mistakes

List of legal cases relating to penalties


Lloyds TSB

Lloyds Witness Statement

Lost Accounts: Banks, Building Societies & National Savings

Lowell Group


Mackenzie Hall Limited

Main Page



Mercantile Courts

Mis-Claim Tutorial


Money Claim On-Line


National Westminster




N.Ireland Competition Commission


N1 Form


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


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


POC - Business Accounts



Poor work complaint letter template

Power of Attorney


PPI Complaints

PPI: Documents for Bundle

PPI: Full Subject Access Request (Subject Access Request)

PPI: Particulars of Claim


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


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


Settlement letter, rejecting conditions


Small Claim Kit

Small Claims FAQ

Small Claims Procedure (Book)





Statement of Evidence


Statutes Library

Statutory Demands

Statutory Demand: Service by Post

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



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


Working for a Bank

Write concise letters


Yorkshire Bank




This thread now locked-please contact site team regarding unlocking to add updates.

Edited by MARTIN3030

Share this post

Link to post
Share on other sites
style="text-align:center;"> Please note that this topic has not had any new posts for the last 4183 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you
Please fill in your quit date here
This topic is now closed to further replies.

  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...