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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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Hi All,

 

This morning i have been sent a judgement for a debt to the sum of £29k i have completed all the paperwork regarding my BR which is on 23rd Feb 09, should i say imform the company who are claiming against me. i have included the debit within my BR and it is unscured debt as well.

 

Cheers

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I would just inform them that you have petitioned your own BR nad it is due to be heard on 23/02 and the next correspondence that they will have will be from the OR

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It depends on how nice the creditor was to you.

Personally I wouldn't bother writing as the OR will be doing that for you.

 

Bear in mind there is a miniscule possibility that the petition won't be granted.


I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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I have just finished the BR papers ready for the 23rd Feb, total debt of £101k, i hve not informed any creditors yet iam letting the OR to inform them, so far all the creditors have been ok, i have spoken to few who seemed to confirm once the have the BR numbers / confirmation the debt will be written off, the secured creditors have also been ok so far.

 

I have got a question when i file the papers on 23rd Feb 2009 how long is it before iam BR is completed or will the OR confirm in writing. Also once iam BR or during the time after the court hearing can the creditors send debt collection companys to take our belongings such as TV , or household goods, i do not have any assets at all and we live in a rented house.

 

cheers

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When your bankruptcy is declared in court you are bankrupt from that instant.


I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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My wife has asked when i have been made BR will all details be in my local papers etc

 

cheers

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It will be in the local papers and the london gazette.

No one can come and take your things.


Consumer Health Forums - where you can discuss any health or relationship matters.

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As gizmo says it will be in your local papers. You should buy one and check out the Public Notices to see what actually goes into the notice - it will be in the Public Notices columns, probably along with many others.

 

You can also browse the London Gazette website to find out goes there. A listing is also made on the Government's Insolvency website but you can only search by name on that site so if you don't know anyone who is bankrupt then you can't see what's in there.


I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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Quick Question, i have completed the form 6.27 & 6.28 and also applied for the court fee to be cancelled as iam on empolyment & Support, iam in court on monday morning at 9.30am are their any our forms i need to take ? , i have made the form live and sent the in the Insolventry service and iam hoping to the made BR on monday

 

just concerned if i have missed out anything

 

cheers

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Hi All

 

Well just got back from the court hearing which was over in about 20mins the judge was fine very nice and even confirmed that the whole of the UK was in debt. The judge has issued a Bankruptcy Order on Debtors petition and stated todays date and time. I have spoken to the OR from the court and will be having a telephone interview on 11th March to confirm details.

 

they have stated my TSB account will not be frozen and they have on issue around the house due to no profits in it and the main lender is sorting the sale and tennant are paying the rent for the next few months.

 

But got home to lots of bills lol

 

Thanks for all the help

 

Cheers :) i can smile now or are their ways for the creditors to stop the BR ?

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Cheers i can smile now or are their ways for the creditors to stop the BR ?

 

Keep smiling, there is nothing they can do:)


Consumer Health Forums - where you can discuss any health or relationship matters.

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But got home to lots of bills lol

 

All to be forwarded to the OR.


.

 

 

 

I Wish you everything you wish yourself.

 

.

 

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

 

 

 

 

[sIGPIC][/sIGPIC]

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just when i think its over, my creditor thats a gave a personal guarantee to the sum of £29k have called today chasing the money again, i informed them that my BR was granted in court on monday 23rd at 10.55am. but they stated that a personal guarantee can be chased after BR ? or are they trying it on again.

 

A couple of creditors hve informed me that the outstanding amount will be cleared etc etc but the large amounts ie £29k etc told me they will not stop chasing until its paid

 

iam having th telephone interview on the 11/3/09 with the OR and have inform them regarding this debt, is the creditor correct that a personal guanrantee debt is for life / until paid and not aloud to be in my BR

 

cheers

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They're trying it on - what sort of debt was it?

Was it secured?


Consumer Health Forums - where you can discuss any health or relationship matters.

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Hi, No the debt relates to a builders merchant trade account from a company, i gave a personal guarantee so the company could trade, the company has gone under thus chasing me. and it is not secured just a personal guarantee

 

cheers

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Questions Questions but getting their !

 

I have got my telephone interview on 11th March which will take about 1hr they said, what details will they be asking and what happens after the interview, also after checking we have got a secured loan in joint names on the house no funds in the house to repay, now iam BR will they chase my wife ?

 

cheers

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They'll ask you things like what you spent the money on, and go through some of your statements. They'll ask about your house and cars etc, and they'll go through your SOA and check item and let you know if there is going ot be a IPA.

 

Make sure you have as much info as possible in front of you.

 

Regards the secured loan what is happeneing to the house?


Consumer Health Forums - where you can discuss any health or relationship matters.

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we are in a rented house at present and our house has tennants in it, the house is in a hugh negitive and dropped £50k off the selling price and been on the market for 1 year, rent is paid by the tennant direct to the lender now.

 

cheers

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So arfe you including the house in the BR as a shortfall?


Consumer Health Forums - where you can discuss any health or relationship matters.

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Today i have spoken to the OR regarding the house, to date we do not know what the house shortfall will be and we have had no offers at all in the last 12 months, or should i inform the OR and give them an estimate what it could be ?

 

Also with regard to the secured loans which are in joint names, now iam BR and if their is no money from the house will the loans become unsecured and chase payment from my wife ? now iam BR ?

 

Because if she has to repay that means another BR to sort out

 

cheers

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Sorry to say it but as it is a joint loan and you are BR they will go after your wife for the balance

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You have no idea what the shortfall will be at this stage. What did the OR say about the house - I really think you need to let it go.

Once the shortfall and your IPA is sorted you can plan for your wife to go BR.

In the meantime do not sign anything from the mortgage company.


Consumer Health Forums - where you can discuss any health or relationship matters.

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great news NOT, i have had today a demand from HM Customs for company tax £19k which clearly can not be paid as iam now Br the company has not traded for 8 mths and due to be cleared from company house. Thye leaflet staes that unless the outstanding amount is paid they can enter our house and remove items ( joke )

 

where do i stand as or should i inform the OR regarding this invoice ( Company )

 

cheers

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where do i stand as or should i inform the OR regarding this invoice ( Company )

 

yes inform him and it will be included.


Consumer Health Forums - where you can discuss any health or relationship matters.

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Called the OR today and they informed me that any paperwork ie invoices can be sent to them asap, with regard to the house itself yes its gone their are tennants trenting it at present and not sure what the OR wants to do as its in neg by £30k or more, i have not informed the lender iam BR yet letting the OR sort it out, and had another CCJ confirmed today again that is inc in BR

 

Once my BR is completed and sorted out, my wife is filing for BR due to the joint loans etc, i have started the paperwork using the insolventry web filing

 

hope to have all sort soon

 

cheers

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