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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

New user, I think i need help.

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Hi All,

I think i may have made a couple of mistakes in my claim.

I have been complaining to my bank for years about these charges and on one or 2 occasions they have made what they term as good will charges refunds to my account.


I sifted went through 5.5 years of statements and found a total of 1726.00 had been taken in charges, i then used the interest calculator and added a further 254.30 in interest giving a total of 1980.30, i then sent the first letter (without deducting the good will payments i had received) and i now looks as like i added the interest details to early in the process

I received a letter from the bank stating that they were looking into it an they would be back to me within 3 weeks, i then sent the second letter with the original figures, i have today received a phone call from the bank saying that they calculated i was entitled to 300.00 back but they have already given me that back by way of the good will payments so i get nowt HELP PLEASE.:confused:

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There are 2 instances of interest you can claim:


1.When you go overdrawn the bank will charge you interest, perfectly lawfully.


However, if part of your overdraft is made up of penalty fees, they are also charging you interest on these too and it is this interest which you are entitled to claim back, but it's tricky to separate out from the total interest figure.


Vampiress has a spreadsheet, (the 2nd one), in the bank templates library, which attempts to calculate this


It's quite complex and unless your claim is large often doesn't amount to that much, so for simplicity's sake, some people don't bother


This is the interest referred to in the preliminary and LBA letters.


2. 8% interest on your claim, but only when you submit a claim at court. Don't add this interest before. moneyclaim


Is the £254 interest, instance 1, or instance 2?


If 2, you should only claim this when you file at court.


If the £1726 is made up of over the limit cahrges , DD and SO referrals etc, then they're telling you porkies.


Make sure you're not claiming for the 2 refunds, otherwise carry on with the LBA

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they will say that they only owe you a paltry amount anyway, then they will insult you by offering another paltry amount as goodwill/full and final settlement, but we know that you are entitled to the whole lot back!!

I would go back through your statements very carefully and highlight all instances where you have been unlawfully charged and all instances where they have made a "goodwill" payment. Then start a new spreadsheet up and include the goodwill payments as follows: Refund of Charges -£120.00 27Jan 05 etc, this will then calculate the correct amount, as no doubt there was a delay between you being charged and them refunding you. Then send the Letter Before Action with the correct figures and enclose a copy of the 'Schedule of Charges' but without the interest calculation column (they can work that out themselves). Don't forget to include the interest amount in the letter though! This will ensure that from this point onwards you and the Bank will have a baseline of charges and refunds to work against. Give them 14 days as per the LBA and get ready to file your Claim....;)


Bon Chance!:p

Big Col:p

RBS LBA 20/06/06. WON - 21/10/06

MBNA(1)-Start-20/06/06, Claim-£250, 15/8 - Winner!!

MBNA Virgin(2)-Start-20/06/06, Claim £100, 15/8 - Winner!!

BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06

Green On!

If the post/advice helps, pse click on the scales!! :cool:

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