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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
elliesnan

maitenance charge

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l won over 5k from nat west in 2005 and moved my account to RBS. Has anyone else had new tlc's? the unauthorised overdraft fee is now called a "maitenance fee" it's still £28.00 though! forgot a payment of £21 got charged £38.00 and now am being charged this maitenance charge of £28.00. Has anyone got these charges waived by RBS as l was thinking or ringing my branch and asking for it back or are they all just waiting for the result of the test case? Your thoughts would be much appreciated.

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Guest louis wu

I think it's safe to say that whatever they call it, it's still a charge, and £28 is excessive to say the least.

 

I suppose the first thing to do would be to phone them, I have generally found that they will refund a charge if you haven't had one for a while, and it's only a quick call so nothing to lose.

 

If it fails, then your back to square one, and you need to decide what action you want to ake. For 1 charge, it may be worth just waiting and seing what happens for a couple of months and then deciding.

 

louis

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They used to revoke charges but i think they might have a different policy since the test case came about.

 

In the past i have had charges revoked after a quick phonecall but now when i call up they are very very adamant that i should suffer the charge.

 

I dont know if this has to do with me claiming £430 back last year or not.

 

I would still give them a call though. Its always worth a try.

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the guy l spoke to put a " concern" note on my account and someone was supposed to ring me back. so l will ring again on monday

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Guest vortex

That is what they call a complaint. They and natwest are part of the same banking group which is Royal Bank Of Scotland Group PLC.

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l've propably got a big red flag by my name!!

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l have made 2 phone calls to my branch both times someone was gonna ring me back but no one has bothered so it would seem their answer is just to ignore me!!

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the unauthorised overdraft fee is now called a "maitenance fee"

In the words of Abraham Lincoln, “how many tails does a dog have if you call its tail a leg? Four. Calling its tail a leg does not make it a leg.”

 

 


Please note nothing I say constitutes legal advice.

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after being contacted by customer care then speaking to customer relations l will need to ask for the £66 in writing and no doubt it will go on the pile with all the others whilst they wait for the result of the test case

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letter done and ready to send

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received a reply from rbs. my complaint has been registered and will be dealt with after the outcome of the court case.

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Hi all update on the thread. Collections department starting hassling us about the overdraft. Have written to them stating that it is in dispute, but they are ignoring the letter. Now threatening to default us! Any suggestions please

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had to open another bank account as they froze our rbs account forcing me to ring their collections department and making a payment off the overdraft on the other account! was then told in no uncertain terms to go elsewhere! have now received a letter from their in house dca Triton demanding the money. This account is in dispute as we are all waiting for the final outcome of the test case. l keep telling them it is in dispute but no one seems to be listening!Anyone got any advise as to what l should put in a letter to Triton pls? It is really getting on my nerves now lol

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