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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
      • 0 replies
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Baldybrush

RBOS - Where to start.

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4814 days.

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424hjfg34

This is my first post here and I will try and keep it brief but the story is long and complex with different issues going on...I'll do my best to keep seperate items in seperate threads though and see if anyone can advise me as to whether I am going about things the right way.

 

I am a long-standing personal and business customer of RBS. There has been a steady flow of charges levied against me over the years (on average paying over £2000 a year in charges and fees to the bank). I have in the last few years had a reasonable relationship with the bank and have suffered the charges as what might be called a "hazard of the job" - all part of the joys of self-employment.

Recently howeve I have suffered what can easily be called bank bullying and over the last 3 months my business account has been mismanaged, I have been overcharged, underinformed, pushed from pillar to post and it has cost me days and days of trying to sort out my account and my creditors.

 

Because the account seemed to be on a downward spiral, my account has been sent to Edinburgh's management centre (they call it last chance saloon but I've been managed there before). The manager I spoke to there advised me to make a complaint to Customer Services about our treatment and he gave me the address and telephone number of the department.

 

We have been charged over £1000 in charges on the two accounts over the past 3 months. £350 of this has been returned to us already but I am so incensed with behaviour of the bank I intend applying for the rest to be returned. Most of the charges are for going over the overdraft or for bounced cheques.

 

In the meantime I have drafted a letter of complaint which stresses both the financial and the mental stress that this has put me under, requested reimbursement and compensation. I have charged them with breach of the Business Banking Code section 14. I have also compiled an exhaustive audit of communications. I have annotated a copy of the statements for the 3 months and highlighted everything that I am unhappy with and given reasons why I am not happy with an item, action or reaction of the bank.

 

This huge pack of information I intend sending to the Customer Relations.

 

Questions:

(a)Is this likely to bring a result?

(b)Am I proceeding correctly, this seems to be different from the way many have proceeded on this forum?

©Should I petition for the return of charges as a seperate item?

(d)Should I be forwarding this to other bodies such as the Ombudsman

 

I am only requesting the return of charges for the last 3 months, if I was to go for the last 5 years the sum would be huge but I am also aware that there is a small claims limit in Scotland of £750.00. Does this sound like I am being too reasonable; should I just go into them for as much as I can get.

I am quite happy for this to go to court but don't have much money....actually I don't have any, probably because I've given it all to the bank. To add further to the problem my credit rating is hardly gorgeous (no CCJ's but other stuff) and moving banks will be very difficult and getting lending from another bank likely impossible.

 

Any insight would be helpful

 

I did try and keep it brief, I'm hoping you all didn't fall asleep there.

 

BB

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(a)Is this likely to bring a result?

 

No

(b)Am I proceeding correctly, this seems to be different from the way many have proceeded on this forum?

The banks only understand direct aggressive action

©Should I petition for the return of charges as a seperate item?

Petition?

Separate from what?

(d)Should I be forwarding this to other bodies such as the Ombudsman

Waste of time.

 

 

On the matter of the amount your are claiming, Start getting £750, then another then another until something in the bank snaps and they raise some other issue.

 

Get another account somewhere else whatever it takes and however lowly the account. Get 2 or 3


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(a)Is this likely to bring a result?

 

No

 

Ohh Pooo, have I wasted my time putting together this audit of communications etc?

 

(b)Am I proceeding correctly, this seems to be different from the way many have proceeded on this forum

 

The banks only understand direct aggressive action

 

OK, well that's clear now.

 

©Should I petition for the return of charges as a seperate item?

Petition?

Separate from what?

 

What I described in the original post was my intended complaint. By petition I meant petition (v) - to ask for by a formal written application requesting a court for a specific judicial action.

IOW Should I send in my complaint and then claim the charges back in seperate actions. I had originally intended to combine the two. Obviously it's just raise a court action and be done with it.

 

(d)Should I be forwarding this to other bodies such as the Ombudsman

Waste of time -

Thanks much appreciated I don't want to waste any more time.

 

Start getting £750, then another then another .........Get another account somewhere else whatever it takes and however lowly the account. Get 2 or 3

Thank you, I am pursuing this now.

 

until something in the bank snaps

Does this happen?

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Does this happen?

 

Dunno. I'm curious to find out, though.


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This topic was closed on 03/06/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 4814 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
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