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.
       
      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
        • Like
      • 0 replies
Movingon

Welcome to all newcomers!

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4712 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

I just wanted to say a couple of things here where everyone who will benefit from them the most will see them.

 

My Wife Mahala discovered this site in early May. We both joined and started looking around. We were amazed at some of the stories we were reading, and at the gargantuan struggles that people were putting up against the banks and just about everything else that moved. One of the first things we read was the FAQ; well, we TRIED to read the other stuff but didn't understand a word of most of it so read the FAQ and then read around...

 

So anyway, we both set out to following the process. I don't think we actually BELIEVED that we could get anything back... not for a while. We started to learn. REALLY learn, about some of the issues surrounding purchases, bank charges, credit cards, debt collection agencies... you name it, it's all here. And now, if you look at my tag-line, you'll see that First Direct paid me back £878.56p as a result of my sticking to my guns. Mahala will likely be receiving her first offer soon.

 

This site has enriched me, and I'm not talking about money. It's enriched me with knowledge of how to deal with large corporate entities who try to bully us. It's enriched me with a feeling that I actually do have power. I can change the way "it" works. It's enriched me by giving me a place to run to for help if the Blue Meanies come for me. It's also given me a fantastic opportunity to help other people - which I love doing.

 

I have made a small donation to help the site along; it's being run by people who have precious little money of their own and the massive uptake of this site has been costing them hand over fist. I want this site to stay here so I have given them some of what I got back. If you want to thank someone for this place, then thank Dave and Bankfodder, the owners. Also, the moderator team who are very small (only about 20 maximum and yes I'm guessing) against 30,000 users or more. These people devote hugely inordinate amounts of their time to this site, to YOU and your claim. My thanks, anyway, are heartfelt.

 

New people, start your engines; it's sometimes a rough ride, but you WILL be vindicated in the end.

 

Here's what you need to do......

 

1. Read the FAQ section in full.

https://www.consumeractiongroup.co.uk/forum/68-faqs/

 

 

2. Post a quick hello in this section (Welcome to our forum) and introduce yourself. If nothing else, it will show you how to start a new thread and respond to other posts.

 

3. When you are ready, having read the FAQ section, post a new thread in the forum of the bank or credit card company you are taking on. It's probably best to title that thread;

"[user name] v [bank name]" - i.e. Smith v Halifax

 

4. Ask pertinent and thoughtful questions after you've read the FAQ's. And avoid making comments which implicate the banks in criminal activity; these would be seen as libellous. Words such as "thief" and "stolen" are examples of what NOT to say.

 

5. Yes, this stuff DOES apply to you. Yes, you CAN reclaim your charges, even if the account's closed, even if the charges were your own fault in your eyes, etc etc etc. (This is for when you ignore point 4).

 

6. To quote a well-known member here, "there is no number 6". Do your thing :-)

  • Haha 1
  • Confused 2

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 4712 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
Guest
This topic is now closed to further replies.

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...