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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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minichedda

RBS student OD A/C - New claims - how far can we go?

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Hiya

 

I am beginning the process of claiming and after lots of reading up on the website have just about figured the process out. I know about the test case and that at the moment claims have been put to one side until further notice. However, some have said to submit the case so to get the benefit of the 6 years of bank charges.

 

My question is, once the SAR has been sent to my banks, and the CCA to the DCA have been sent,how far can we go? I mean once I have calculated how much I am owed in charges (believe me it is a fair amount), can I get straight on with the preliminary letter? How much of the process can be completed while the test case is running?

 

Cheers

 

x

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You can go right upto filing your claim at court ..... using the N1 direct to your court once a defence is submitted however this is where your case will most likely be stayed ........ but you will then be in the 'system' ready for when the test case is sorted :)


Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (amended just for Bookie)

 

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Calculate your charges and get reclaiming.

Remember to claim for everything you can prove, so if you have 10 years worth of statements include them ALL.

At the end of the day it's up to the banks to show we can't claim further than 6 years anyway.

 

Send a S.A.R to the bank and a dispute notice to the DCA telling them that you are disputing the debt due to charges.


Be VERY careful whose advice you listen too

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wow - you guys are fast!

 

Ok so the dispute letter to the debt collectors (BCW), can the CCA I am sending be classed as a dispute letter? I have printed off 2 letters for them which I was going to post tomorrow, a CCA request letter, and another saying that I will cease payments and to hold any action on my account whilst it is in dispute. (I began paying to get them off my back, paid £1500 in one year, another £2100 to go - ridiculous RBS charges).

 

Is that enough to be getting on with while I wait for my statements come through?

 

Thanks x

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oh and another quickie, should I sign the letters or just leave my name typed at the bottom (simple question I know, just wondering what's best o do).

 

Thanks again

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Sign it for the OC, but print for the DCA.


Be VERY careful whose advice you listen too

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Sorry shorthand.

OC - Original Creditor so Bank, card, etc

DCA - Debt Collection Agent


Be VERY careful whose advice you listen too

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as far as I am aware, the DCA are solely dealing with the RBS account. I have, however, prepared a SAR letter for RBS. Do I need to send anything else to RBS while I am waiting to get my statements? do I need to send them a CCA too?

 

Sorry for all the questions!

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Rule of thumb.

DCA - CCA

SAR - OC

 

In this case SAR the OC and tell the DCA you are disputing the account due to charges.

They MUST back off as this would contravene the OFT collection guidelines otherwise.


Be VERY careful whose advice you listen too

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No problems, it's what we do ;)


Be VERY careful whose advice you listen too

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Hi

 

Just looking for someone to talk me through this as you guys have obviously had experience with RBS. Now then, I had a student account with RBS whilst at uni. My overdraft was £1800, and being a student, i used most if not all of it. HOWEVER, I also have another £1800 worth of charges, I am paying back a total of £3600 (disgusting!).

 

RBS passed my account onto BCW debt collectors, I'm assuming they sold my account off to them as I have not heard a peep from RBS and they put a default on my credit file. I have been paying £70/month, on a regular basis, for just over a year now, and still have £2100 to pay.

 

I have began the process of sending off for statements/ cca to the DCA.

 

Can the DCA chase me while I am waiting for the statements? I have explained that I will not resume payments on the account until the matter is cleared up as the account is a result of bank charges, after I have received the CCA, and asked that they take no action on the account for at least 28 days. Do you think that's ok?

 

Has anyone else had a similar experience ?

 

Thanks x

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Hiya minichedda, you have queried your account and disputed the balance so the only way the Bank or the DCA can enforce their claim is by commencing legal proceedings against you for recovery and the longer they leave it the closer you will be to issuing your own proceedings for recovery of your charges.

 

I would recommend as soon as you have worked out the total value of the charges and interest they have taken from your account you pay any difference to leave just your claim value outstanding.

 

Most DCA's will try to recover any balance they have on their books but they have no legal backing to do this until they have successfully taken you to court.

 

pete

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Thanks pete that makes sense, shouldn't be much to pay back as I've paid £1500 and might be able to work out that their total charges leaves them owing me some money anyway :)

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