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    • 14 days used to start from date you received the policy documents, but if you bought it online, it is 14 days after the start date.   Agree that if they are coming back to you two days after the cooling off period, then that is treating you unfairly. They had time to come back to you, before the 14 cooling off period ended.   Make a complaint and advise that you will ask the FOS to review the matter, if they can't offer a satisfactory resolution.   Have you obtained a quote based on 6 year licence to check difference in premiums compared to 7 year licence ? Might be worth doing so, with a view to informing you whether it really is another £185. Sometimes the extra amount in these situations include admin fees.
    • She hasn't been paid since 12th of April from her last job  and was then paid on the 15th of may from her new job and will be paid the 15th of each month thereafter 
    • Thank you, I’ve done that. X I will send the letter to solicitors in the morning.   what grounds have I got to defend it on? I’m getting so confused
    • Thanks for your replies. I've managed to get the statements and the original agreement, so just need to redact and then scan them so I can post them up. I can't however find the judgement from the court. I know I should have received it but I honestly can't remember ever seeing it. I do though have the letters from my solicitor and their solicitor confirming the judgement but not sure if that's helpful.  I also have a few copies of their list of charges, which I've been sent whenever they've ben amended. I'll attach what I have anyway once scanned.   I have raised a slightly different complaint with them along the lines of not being treated fairly and in contravention of the FCA Handbook which they have obviously rejected but said I could go to the Financial Ombudsman if not happy with their response. I've nothing to lose by doing this so I'll submit that tomorrow, but they have said they won't suspend the court hearing regardless.
    • When you say "do it right" could you elaborate on what you mean? Is this regarding the letter to tfl to settle out of court? 
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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.
      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
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      • 0 replies

I need some help

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Hello Everybody,

I have an RBS cash card acoount but i do not use this card for nearly 3 years for i have another bank account i am currently using. 3 years ago i moved anotehr address and i notified all my banks and credit card companies about address change including RBS. At that time i had 15 pound in my account.


However two month ago i got a call from them telling me i owe them 275 pounds for overdraft charges. I asked how did happened, they told me nearly one year ago AA tried to get money from my account using a direct debit mandate. Then they charged me 28 pounds for overdraft since there is not enough fund in my account. then sent a letter to my previous account, of course i did not get it, then they charge me every month since then.


AA side is another story. one year before i got a road recovery contaract with them and paid all cash. However they asked my bank details, actually i did not see any proplem with this, english is my sec language and i am not good rewading small print. I think they use this account to ask money from RBS altough i did not renew my contract with them.


at the end i refused to pay the money. It is unfair and for me day time robbery. . On the phone they always use an abusive language and try bully me to paying it straight away. what should i do any help will be appreciated. thank you for everything

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Firstly, do not speak to them on the phone. If they call you, refuse to answer their security questions and insist that everything must be in writing. If you don't talk to them, they can't bully you.


Do you have all your statements covering this period, or where they sent to your old address too?


"If you want my parking space, please take my disability" Common car park sign in France.

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Thank you for your answer, i do not have any statement, for they send my all statements send my previous address. However i got a statement from my local branch it shows there the only transactions are those bank charges.


They contacted me after ten months over my phone number. hey should have contacted me after first month. Anyway, now i got a letter 2 days ago to my last address, asking me pay 450 pound otherwise they threaten me to file a default and do necessary things to recover the debt.


I do not believe that it is my debt. what should i do? i do not want them to list me as defaulted for it might affect my relations with other banks and institutions. can they get this money from me through courts?


do you know any law company to take this on legal aid? please help

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