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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
steven4064

Your bank is taking your benefits in charges

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I have read this thread with considerable interest, and would like to seek advice regarding my financial situation. I am registered disabled and in receipt of both DLA and Incapacity Benefit, my wife is my carer; although we are being told by the Benefits Agency that we need to complete a form to make this official (we had informed the relevant people at the BA and were told they had "sorted" it out for us - they havent!).

 

We are a family of three who are on benefits, our daughter is at school and is 13. I am classified as chronically ill and am on first name terms with my GP's, who have written me a wonderful letter supporting my situation healthwise and regarding financial matters.

 

I admit to having been foolish to apply for four credit cards, a storecard and a loan. Everything has now caught up with me and I have been dealing with the relevant parties (banks and Credit Collection Agencies),including a financial statement. Add to this I have run into difficulties with a couple of my utility payments, and an old Council Tax bill has reared its ugly head. I have written to and offered monthly payments of £10 which have been accepted by all parties barring the Council Tax arrears; they want me to pay £90 a month! Threatening me with a bailiff if I don't comply. I have so far made one payment, the next is due soon.

 

I was told that I have to meet the payment of £90 which is to be paid for in five monthly payments, and inform the others that until I have cleared the Council Tax arrears they will be paid £1 a month; as Council Tax is deemed an essential need. I have received two letters informing me that I am now in default!

 

Another I am having problems with is MBNA, who I have written to and spoken to on the telephone; and have just received a letter from MBNA charging me £25 for the privilige! It made me laugh and I jokingly said to my wife that I'll respond in kind and ask them to donate my charge to a charity of my choice!

 

With what I've now read about the social security situation I would like to enquire as to were I stand! When I applied for my credit cards/store card/loan I informed each party of my financial situation, and that is that I was and still am in receipt of benefits; they were more than happy to award me the aforementioned credit facilities! Can I reduce the monthly payments on the strength of this, and maybe even have them erased!!! I know I'm asking a lot, but these forums are a brilliant source of information.

 

I thank you in advance of your responses.

 

seeker27:grin:

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Hi seeker

 

You need to pay off the council tax bill before everything else as it is a priority debt (MBNA can go ....)

 

You need some proper advice on managing these debts - if you have not done so, go to CAB or contact National Debt Line (National Debtline – Free, Confidential Debt Advice – Call 0808 808 4000, phone 0808 808 4000) ASAP.

 

The income and expenditure statement you have already is a good start. You then need to budget to pay off priority debts first. THese are

 

Rent/ mortgage

secured loans

Council Tax

electricity/gas (not water)

fines (if any - may not apply but others may find this useful)

maintenance arrears (as above)

hire purchase debts

 

in that order.

 

Anything left over can bve offered to non-priority creditors at £1 a month. THis includes MBNA however loudly they shout. Do not speak to them on the phone but keep detailed records of when they call. THey are particularly nasty to deal with. THe reason they harass and bully you is just because they are non-priority creditors - they hope to bully you into paying them money that would otherwise be used to feed your family or pay priority debts.


Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 

GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

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Hi seeker

 

You need to pay off the council tax bill before everything else as it is a priority debt (MBNA can go ....)

 

You need some proper advice on managing these debts - if you have not done so, go to CAB or contact National Debt Line (National Debtline – Free, Confidential Debt Advice – Call 0808 808 4000, phone 0808 808 4000) ASAP.

 

The income and expenditure statement you have already is a good start. You then need to budget to pay off priority debts first. THese are

 

Rent/ mortgage

secured loans

Council Tax

electricity/gas (not water)

fines (if any - may not apply but others may find this useful)

maintenance arrears (as above)

hire purchase debts

 

in that order.

 

Anything left over can bve offered to non-priority creditors at £1 a month. THis includes MBNA however loudly they shout. Do not speak to them on the phone but keep detailed records of when they call. THey are particularly nasty to deal with. THe reason they harass and bully you is just because they are non-priority creditors - they hope to bully you into paying them money that would otherwise be used to feed your family or pay priority debts.

 

Steven,

 

Many thanks for your reply, it is very much appreciated. I am now quite efficient at dealing with these non priority creditors on the telephone, but will in future, ask them to contact me in writing.

 

Steven, regarding the credit collection agency writing to me and telling me I have defaulted on my payment arrangements. I did write to the credit collection agencies concerned informing them of this new debt that I had to pay, yet they responded negatively! How should I proceed?

 

Also since first writing to the CCA's my gas/electric has gone up, and due to my disability I am having to use the private hire to get me about; which has affected my income and expenditure drastically. I am contemplating writing to the CCA's concerned and informing them of my aforementioned changes, and reducing my monthly repayments.

 

 

seeker27

Edited by seeker27
I forgot to ask a further question.

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My jsa got eaten in bank charges today. But it was lloyds bouncing of a payment that would have sent me £10 in debit if they had paid it but sent me £20 in debit by bouncing it. This is the 2nd occourance this year and now ive got £4 to live on for a week ( me/wife/3 kids) where the gov say i need £90. 2 people at lloyds say they must refund the charge as its not my money but the governments, last person said phone back at 8 in the morning. Oh well kids dry bread for tea..

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Last year November 2008, I had sky direct debit set up from my Nationwide a/c... I was not working then as i was on maternity, the only income into my a/c were tax credits, and child benefit, the amount which sky should have deducted should have been £23.00, but they 've tried deducting £30.00, this amount bounced, they tried the second time, after which I notified Nationwide to cancel the direct debit, but somehow it happened the 3rd, of which natinwide told me it was too LATE to stop it then, in total , i was charged £90.00, by the bank , can i reclaim ? if so which is the best way/approach pls ???

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i know that the banks cant take benefit any forms of benefit to pay for charges or when an account is overdrawn, they have a legal right to pay the money back to the customer, in fact if you go into the jobcentre there is a letter they can send to the bank requesting this. however the jobcentre do offer post office accounts which may be a good route for now - tey are free.

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If this is the case that we cant claim back our charges under the social security act 1992, then shouldnt the template letter stick for claiming bank charges back when on benefits in the template letter section be removed?

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i know that the banks cant take benefit any forms of benefit to pay for charges or when an account is overdrawn, they have a legal right to pay the money back to the customer, in fact if you go into the jobcentre there is a letter they can send to the bank requesting this. however the jobcentre do offer post office accounts which may be a good route for now - tey are free.

 

If this is the case that we cant claim back our charges under the social security act 1992, then shouldnt the template letter stick for claiming bank charges back when on benefits in the template letter section be removed?

 

Both - please see post #21


Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 

GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

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I have managed to sort out quite a lot of my financial mess, until recently. I have a current account with NatWest and a overdraft limit of £750.

 

Until recently all my benefits used to go in to this account, but I was unable to control my finances so had all of my benefits transferred in to my savings account so I could keep track on what was coming in and what was going out.

 

Now my problem is that NatWest have charged me extortionate fees and I am currently nearly £950 overdrawn. They have charged me almost £200'ish. I have been charged £76 Unpaid Item fee, Guarantee Card Payment Fee £70, Unpaid Item Fee £15, Guarantee Card Payment Fee £15.

 

Can I be charged so much money in fees, I am a single mother and on benefits and I am also a carer for my sick mother. I am very worried as I owe so much money to NatWest and I do not think I will be able to pay so much money back.

 

I went to my local branch and spoke to the manager about the excess fees, and he told me that there was nothing that he could do he said. Please could someone help me please?

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can anyone please clarify, if im being chased for debts, but am on benefits, pensioners etc, can the court make an award for payments of these debts against my income, which is below the accepted standard and therefor paying benefits to me to ensure im at at that standard,

Seems any award made against my income would in effect bring me back below that minimum, and if they did, could i then apply for more benfits as its been taken by the courts??

Edited by pawnbrokers
spelling

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This has been posted elsewhere on the site,but its needed in here too.

 

A friend of mine was in despair following Santanderlink3.gif not only charging him for a failed direct debitlink3.gif,but then continued to add further daily charges.

He informed me that he had called them and emailed them,explaining that the charges were punitive since his only income is Jobseekers allowance.

The fees stood at £55 and were rising.

He asked me if I could help,and duly wrote him a letter.

I was finding it hard to understand,how a bank like Santander,were openly flouting their obligations.

My friend had pleaded with them and explained his situation.

Santander of course could see from the account too-that he was in reciept of benefits since they were paid into this account.

No excuses then...lets get to work.

 

 

 

 

 

Account number xxxxxxxxxxx Sort Code xx xx xx

 

 

 

 

letter before actionlink3.gif

 

 

Dear Sir/Madam,

 

I am very disappointed in your response to my complaints which were made to you today, and that you have chosen to ignore my request for hardship, I therefore have no alternative but to seek recourse through the county courtlink3.gif system. I believe that Santanderlink3.gif have treated me unfairly under the following BCOB rules of which Santander should be compliant with,since Santander is a firm regulated by the FSA.

 

Rule 5.1.1 R states “A firm must provide a service in relation to a retail banking service which is prompt, efficient and fair to a banking customer and which has regard to any communications or financial promotion made by the firm to the banking customer from time to time.”

 

Rule 5.1.4 G “Principle 6 requires a firm to pay due regard to the interests of its customers and to treat them fairly. In particular, a firm should deal fairly with a banking customer whom it has reason to believe is in financial difficulty.”

 

Santandar have been informed that I am in reciept of state benefits and that I need these to cover essential living costs including food and heat/lighting.

 

Santander have not at any point acknowledged that this is a hardship case despite me notifying you.You have levied charges of £55 in recent days,and have refused to refund these in your return call to me on 6th.June. For these grounds I feel that I have been treated unfairlylink3.gif.

 

In order for this claim to be settled without the need for court action I require that the full amount taken of £55 returned to me by way of a credit to my account.

 

 

If I have not received a satisfactory response within 14 days then court action will be commenced without further notice and further costs will be incurred.

A judgment for a breach of BCOBS is very serious and the FSA would be empowered to act.

 

 

Yours Faithfully

 

 

Mr V. Upset

 

 

 

 

Would the recipients of his email to Santander actually know what the letter was about ?

 

You bet they did!

 

 

He got a reply quite swiftly...in fact in the space of 30 minutes.

 

 

 

 

 

 

 

 

Message:

Good Afternoon Mr V. Upset Thank you for your email.

I am happy to reverse the amount of £55, which have been waived due to exceptional circumstances.

To ensure no further charges are incurred on your accounts, we would ask you to monitor your accounts throughout the month. This can be completed through Online Banking, Local Branch and Telephone Banking.

I hope this information is useful and if you have any other queries, please do not hesitate to contact me via Secure Messaging or my colleagues on 0845 9724724.

Kind Regards,

 

The nice man (who knows his BCOBs from his bankcharges)

 

Santander Customer Services

 

 

 

So the message to all those who believe they have been treated unfairly,is to give them a taste of their own famous words when they fob you off with sorry we cant refund the charges..... "This may not be the reply you wanted"

 

Edit.

The banks get letters and emails from people threatening them with Court action every day.

We know this and so do they.So its essential,that you are willing and prepared to act on any threats if the bank do ignore your letter/email.


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I did this a few years ago, if you say you will accept a lower amount than what's owed they will be more likely to give you a refund. Since then though I have always lived within my means and never go overdrawn, five years and counting.

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Accepting anything less than whats owed is not something CAG would ever advise.

Of course they will be more likely to agree if you do.


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I opted to ask for 90% back and got it.

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This is interesting, I have had several bank charges since I went on Jobseeker's Allowance in April 2011, how far back can you claim?

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bcobs came in nov 2009

 

dx


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Does it matter if you didn't notify them at the first instance that you were on benefits? I've been on DLA for 4.5 years now. I dread to think how many times i've been charged the £22 personal reserve usage fee from barclays, but i never notified them. Do i stand a chance of claiming them all back?

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Does it matter if you didn't notify them at the first instance that you were on benefits? I've been on DLA for 4.5 years now. I dread to think how many times i've been charged the £22 personal reserve usage fee from barclays' date=' but i never notified them. Do i stand a chance of claiming them all back?[/quote']

 

start your own thread in the Barclays forum

 

see video below

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 2197 days.

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