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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
weirgo

Requiring BOS Bank Statements

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4806 days.

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Has anyone sent away the DPA letter to the BOS?? If so were you charged for this service. I am just sending mine off today.

 

cheers!!


S.A.R. sent 06/10/06

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Hiya,

 

Im sending mine off also today to BOS, Halifax( mortgage) and Barclaycard. I will wait and see if they request payment for this service. I am sooo nervous about the whole thing really :?

 

Kaz


Sent

 

Halifax (mortgage), Barclaycard and BOS DPA letters.

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I sent mine off on Friday so i am hoping to get a reply this week will keep you posted as there's not much on here for BOS i was hoping someone else might have got a bit further just to see what BOS's reaction is to it all

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Thanks, will let you know also how I get on :D


S.A.R. sent 06/10/06

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Hi

 

I had phoned to request six years of bank charge fiqures, about 10 days later I got a letter stating there was a £5 fee for copy statements. I phoned again to make sure it was £5 for all the statements not per one, which it is. Three huge envelopes dropped through my letter box this week and I am now adding up the fiqures. Easy so far!


Asta

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Hiya,

 

That is really quick! Hopefully barclaycard and Halifax are quick to. Im curious to seeing how much it all comes to. Keep us posted in your progress as its good to hear from other BOS customers to see how they are getting on with it all.

 

Kaz


Sent

 

Halifax (mortgage), Barclaycard and BOS DPA letters.

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I hand delivered my request to my branch, that was on 06/03, no reply yet . I asked for details of the charges etc, not statements.


Bank of Scotland round 1: £740 + costs settled, still sore over the 8% grrr

Bank of Scotland round 2: £629 +101.15 interest +£39 costs settled.

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Don't Bother with the DPA for the BOS. Call them, I think it's 08457213141. I sent a the DPA letter last week still not arrived! Phoned tonight because I got charged £58 for 92p over my overdraft! Whilst complaining asked about my statements, girl v. helpful said she would send out my statements from Jan 2000 for a fiver!

 

Do it that way! £1 for registered post, cost £4 more to make sure you get statements.

 

Roll on! Call my lawyer!

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Sent DPA letter on 8 March to BOS and received a print-out of charges on my account today (23/3/06)

 

Never offered £10 and was not charged anything.


Royal Bank of Scotland - Settled - Full Amount

GE Money - Settled - Full Amount

Tesco Personal Finance - Settled - Full Amount + Interest + Court Costs

Clydesdale Bank - Settled - Full Amount + Interest + Court Costs

Clydesdale Bank - Pre June 2005 Charges - Settled - Full Amount

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Sent DPA letter on 8 March to BOS and received a print-out of charges on my account today (23/3/06)

 

Never offered £10 and was not charged anything.

 

Ditto, just need to find time to go through them all now


Bank of Scotland round 1: £740 + costs settled, still sore over the 8% grrr

Bank of Scotland round 2: £629 +101.15 interest +£39 costs settled.

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I called the phone banking service and asked for a list of charges. They've said they'll send me a letter listing them. No mention of any charge.

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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


S.A.R. sent 06/10/06

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 4806 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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