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    • Thanks for the reply   I have found a draft letter to send, thank you   I paid the DD in March but cancelled it before the April one came out, it used to come out on the 11th of the month, they added £50 and the £9.99 for May before the May one would have been due.   They said they would affect my credit score and it would be sent to a third party debt collectors, but I believe it is the same company using a different name.   I asked for a breakdown of the charges in writing and that I believed the charges were not lawful, and they said they were not obliged to provide this and that the £25 admin charges were lawful.   I thought I cancelled online then got an email back sometime later, saying my account could not be cancelled as it was in arrears.   I am happy to pay the missed fees and an extra month in lieu of cancelling correctly.       Kind Regards   Moo    
    • Thanks-I do read the posts on here constantly and don't just rely on specific advice. I do need to telll the court where we would like the hearing to take place? I will ask them the options
    • Thankyou Dx   I'll get cracking. Get advantage a thing of the past!!
    • you can pay what you want extra when you want as long as you meet the contracted monthly payments on time too
    • Hi   Currently with advantage finance. I pay £133 monthly. If I wanted to start paying more off monthly but by choice not part of concrete agreement. Will it incur any charges or problems etc is there any loopholes they can use to charge me more for doing so?   So I've an outstanding balance of xxxx amount. The £133 is reducing. I want to start clearing it off when I can afford to. That's ok?     Thanks in advance
  • Our picks

    • 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
rascal3103

Stef v RBS Credit Card

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Hi All,

 

I have made a request for my statements along with my £10 to RBS Credit card.

I dont have too many issues with them personally, but I have had my CC with them for over 10 years now, and I know on at least 4 occasions I can remember in the past year or so I have made a payment late and been charged £25.

 

Just so I am clear, these are the charges I can claim back, that and any charges for bounced cheques I may have sent them (i only know of one).

 

Just want to be sure before i send my prelim

 

Thanks Guys

 

Stef


Spanish Holiday Rental - 10% off BAG and CAG Members

www.rent-in-spain.org.uk

 

 

Progress so far:

 

Yorkshire Bank - LBA 26/07/06 £1001.00 - £500.50 offered and rejected

RBS Credit Card - Settled £200.00

Sainsburys - Settled in full £100.00

JD WIlliams - Settled in full £50.00

Argos Card Services - £98 - offered £60 and rejected.

Abbey Mortgages - MCOL 2nd October - Deadline 21st

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Late payment charge, over limit charge. Charge for bounced cheque would come under late payment charge (and possibly overlimit as well, if th einterest they charged then took you over limit)

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