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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
        • Like
      • 0 replies
telewest

**rbs Claimers Please Read**

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4482 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

Recommended Posts

edited


Telewest v RBS

[url]http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/61214-telewest-rbs.html[/url]

Telewest v A&L

[url]http://www.consumeractiongroup.co.uk/forum/alliance-leicester/61215-telwest-l.html[/url]

Telewest v Halifax

[url]http://www.consumeractiongroup.co.uk/forum/halifax-bank/63775-telewest-halifax.html[/url]

 

If I've helped - hit the scales and rate me!

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Hi, and thanks for that.

 

I am highly amused by the

* Decline letter (commonly called a "sod off")
comment as this is what I have been calling them for months on this forum. First time ever a bank and I think in the same level, lol.

 

Above this figure and it gets declined.

 

To which my first reaction is: "Yeah, and?" :-D

 

And with all due respect, there is an inherent contradiction between the £350 level of instant refund and the comment that they don't want the bad publicity. It just doesn't equate. :-?

 

And finally:

 

My brother has heard of 2 cases going to court, one of which RBS defended. They always settle

 

I would love to get more info about that. Because to my knowledge, that's not true at all. There's only been one case to ever get to court, and that was Natwest.

 

The fact that they always settle? Yeah, we know that, lol. Not just them either. I doubt that's going to change any day soon either, especially now the OFT is going to launch an enquiry into bank charges too.

 

Thanks all the same. Say hi to your brother from me.

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edited


Telewest v RBS

[url]http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/61214-telewest-rbs.html[/url]

Telewest v A&L

[url]http://www.consumeractiongroup.co.uk/forum/alliance-leicester/61215-telwest-l.html[/url]

Telewest v Halifax

[url]http://www.consumeractiongroup.co.uk/forum/halifax-bank/63775-telewest-halifax.html[/url]

 

If I've helped - hit the scales and rate me!

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Guest NATTIE

Bookworm- possibly one of them could be the NW case because part of the same group. The newspaper thingy may well work though.

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Good point, yes. To us plebs, they're different entities.:p

 

I just have a problem with the threat of media attention. Not least because I have never known it to work, but also because it still seems a cop-out to me. Just my opinion, don't get me wrong! But I have suffered so much at the hands of those censored.gif at Natwest that I relish the idea of saying to them, this is my RIGHT, it's MY money, you can give it back or fight, and see them back down. Somehow, a threat of bad publicity still feels like letting them get away with it.

Like I said, just my gut feeling on it.

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Edited


Telewest v RBS

[url]http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/61214-telewest-rbs.html[/url]

Telewest v A&L

[url]http://www.consumeractiongroup.co.uk/forum/alliance-leicester/61215-telwest-l.html[/url]

Telewest v Halifax

[url]http://www.consumeractiongroup.co.uk/forum/halifax-bank/63775-telewest-halifax.html[/url]

 

If I've helped - hit the scales and rate me!

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I'm 100% with you there. Can't wait to begin my case with RBS - but have to clear my O/D first as likely they'll default it - and I don't want any bad info on my file.

 

Can/would they default you for having an overdraft even though you are disputing money which they owe you and would possibly make up a huge chunk of th o/d?

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I have been in contact with several rbs people by e mail.

I have in addition to making a claim for penalty charges,been asking for default removal.

Today I finally got a reply after 2 letters from them asking for more time.

 

They flatly refuse to refund any charges.

They are unable to issue me with a copy of any default notice they said they sent but did not

They confirm I disputed the charges with their collections agency after default.

(as anyone would do )

They therefore say the default was fairl levied as it was a breach of their terms and conditions.And there is no way they will remove it.

The 2300.00 penalty charges were fair and reasonable.

The default of 800 was wholly comprised of penalty charges.

 

They tell me if I am not happy now I should contact the F.O.

 

They have sent me a bank ombudsman booklet ....to go with the other 20 I have got.

 

The letter ends by saying I may treat the letter as a final response.

 

therefore paving the way for court.

 

I am a little mystified as to why there does not seem info of completed claims tho reading the posts above maybe they are doing a Barclays too ?


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Martin3030 - please dont hijack threads. Start one up in the RBS forum.

 

Kflemi16 - if only my OD was predominantly charges ;P sadly it isnt!!


Telewest v RBS

[url]http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/61214-telewest-rbs.html[/url]

Telewest v A&L

[url]http://www.consumeractiongroup.co.uk/forum/alliance-leicester/61215-telwest-l.html[/url]

Telewest v Halifax

[url]http://www.consumeractiongroup.co.uk/forum/halifax-bank/63775-telewest-halifax.html[/url]

 

If I've helped - hit the scales and rate me!

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Apart from my recent claim against RBS,at the start of this year i phoned my local branch asking for a 40 quid charge to be refunded,after lots of phone calls i told my branch that I had been in touch with the Financial Times and they were very interested to see the outcome.When the teller asked me to repeat who id spoken to,she left me on the phone for a few minutes,came back and said my charge had be refunded!And all because i called their bluff and mentioned the press......try it ,it does work!Goodluck

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Martin3030 - please dont hijack threads. Start one up in the RBS forum.

 

Kflemi16 - if only my OD was predominantly charges ;P sadly it isnt!!

 

 

I have one in the Rbs forums thank you very much.

 

Though dont know why you are telling me now........24 days after the post

:rolleyes:


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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And incidentally there nothing in my posts which are not in the same vein as the discussion you started yourself.


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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edited


Telewest v RBS

[url]http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/61214-telewest-rbs.html[/url]

Telewest v A&L

[url]http://www.consumeractiongroup.co.uk/forum/alliance-leicester/61215-telwest-l.html[/url]

Telewest v Halifax

[url]http://www.consumeractiongroup.co.uk/forum/halifax-bank/63775-telewest-halifax.html[/url]

 

If I've helped - hit the scales and rate me!

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Yes well I will remember this in future.........you can certainly be assured of that.


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I meant no ill-will Martin, regardless of the fact your post is oozing with sarcasm I will reply no further to this thread other than to retort that thread hijacking is discouraged for a reason, and I merely politely asked, please included, that you refrained from hijacking.

 

Have a good day, no ill-will meant - Ive got enough enemies :)


Telewest v RBS

[url]http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/61214-telewest-rbs.html[/url]

Telewest v A&L

[url]http://www.consumeractiongroup.co.uk/forum/alliance-leicester/61215-telwest-l.html[/url]

Telewest v Halifax

[url]http://www.consumeractiongroup.co.uk/forum/halifax-bank/63775-telewest-halifax.html[/url]

 

If I've helped - hit the scales and rate me!

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Guest NATTIE

Telewest- personally, your first post is one which I think is very important re NW(part of RBS Group) as well because of the inside info that was posted. Is it possible to also put both your first part and the bit about bluff on the Bank Workers part of the forum, I think more people may view it more. If you have more insider info would also be useful on that part of site.

On the FT thing did you mention any names or was is just a "someone" who would be interested.

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edited


Telewest v RBS

[url]http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/61214-telewest-rbs.html[/url]

Telewest v A&L

[url]http://www.consumeractiongroup.co.uk/forum/alliance-leicester/61215-telwest-l.html[/url]

Telewest v Halifax

[url]http://www.consumeractiongroup.co.uk/forum/halifax-bank/63775-telewest-halifax.html[/url]

 

If I've helped - hit the scales and rate me!

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Guest NATTIE

telewest

When you got the refund from the bank threatening that someone from the Financial Times would be interested, did you name drop or did you mention a specific name?

 

Ditto!

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Guest NATTIE

Just re read the thread and realised that you hadn't posted that bit and was posted as a reply to your thread......oops, I'll have to get my eyes tested!

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Bloody Natwest staff ;P they're all the same !


Telewest v RBS

[url]http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/61214-telewest-rbs.html[/url]

Telewest v A&L

[url]http://www.consumeractiongroup.co.uk/forum/alliance-leicester/61215-telwest-l.html[/url]

Telewest v Halifax

[url]http://www.consumeractiongroup.co.uk/forum/halifax-bank/63775-telewest-halifax.html[/url]

 

If I've helped - hit the scales and rate me!

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Just to say I followed your advice and sent a final letter to RBS (and B of S for another account) saying unless I got a favourable response from them by 21st August I would consider taking my story to a national daily newspaper. I still hadnt received a response from either of them so I phoned them both yesterday. RBS said a letter was coming out this week to me but it sounds like they were only going to be reconfirming their previous position, and B of S said their position still stands and they will not be making any further offer.

 

So unfortunately it looks like court action is the way I am headed...

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I've kinda gone down the same road.

I contacted the Daily Record, 2nd largest national daily in Scotland (where I assume most of RBS' customers hold their accounts) asking them if they would like to follow the story. I havn't had a decision as yet, but have received a reply from them.

I should be getting my statements this week, so when I send off asking for the charges to be repaid I will mention (Presuming of course that I get a favourable reply from a specific reporter) :

"I feel it is my duty to inform you that NAME HERE from the Daily Record is following the developments of these correspondance with great interest, and it would be in the best interest of all involved to not waste time or expense by using delaying tactics to prolong the outcome".

I havn't worded that properly yet, but it will be something along those lines i think.

I think it also gives you an advantage when the settlement comes. You can agree not to go ahead with the story, however you can stipulate that if your bank account is closed without a justified reason, or if the bank tries to mark your credit file or something then you will consider the deal terminated and ensure that the said reporter is informed.


01/08/06- Royal Bank of Scotland - S.A.R sent

24/08/06- Royal Bank of Scotland - Statements Received

31/08/06- Royal Bank of Scotland - 1st Request sent

13/09/06- Royal Bank of Scotland - LBA sent

23/09/06- Royal Bank of Scotland - Offer received £1544 (Thanks but no thanks)

02/10/06- Royal Bank of Scotland - *WON* Full settlement

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The Sun is reportedly the biggest seller now.

Rbs do not appear to have any direct connections with newspaper publishing but they do seem very active elsewhere just look at this

 

Banking: Adam & Company | Bank von Ernst | Charter One | Child & Co | Citizens | Coutts | Drummonds Bank | First Active | MINT | NatWest

| Royal Bank of Scotland | Tesco Personal Finance | The One account | Ulster Bank | X-ite

Insurance and Motoring: Churchill | Devitt Insurance | Direct Line | Finsure | Green Flag | Jamjarcars | Lombard Direct | Priviledge

Corporate and Payment Services: Angel Trains | BIBIT | Lynk | RBS Greenwich Capital | Streamline | WorldPay

Annual Group Revenue: £20.9 billion GBP (10px-Green_Arrow_Up.svg.png11.8% FY 2004) | Employees: 140,400 | Stock Symbol: LSE: RBS | Website: www.rbs.com


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Telewest suggests going to RBS Exec complaints but isnt this address just the credit card complaints centre

 

Royal Bank Of Scotland, Thanet Grange, Southend-on-Sea, Essex, SS2 6GB,

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Guest NATTIE

martin see you've done the research, don't forget stake in Bank Of China

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