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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
SolidChris

SolidChris vs RBoS

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Hi there, been reading the site on and off for about a month now (damnable heatwave kept me out of the attic where the computer is!).

 

Going to send my prelim letter in the morning to my branch - charges of £468 from back in 2003. Lucky i kept all the statements even though i panicked about identity theft!

 

Thought i'd best start this thread in order to keep track over the course of the claim. Wish me luck folks!

 

Chris.


RBS in my sights.

 

Prelim sent - 02/08/2006 for £468.83

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good luck? why? lol


OK I GIVE IN

 

Halifax £3600 charges, won with C/I £6400

 

NatWest S.A.R-05/06/06

Bug**r all recieved 03/11/06

Prelim guesimate sent for £3000 03/11/06

Cr*p one CONNED statements 08/06 ROFLMAO

Cr*p one charges=£976

con int 34.9% £1,003.75 £1,979.75.

 

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Why? Because my faith in banks and their activities is non existent. They really are quite useless.

 

Cheers anyhow.


RBS in my sights.

 

Prelim sent - 02/08/2006 for £468.83

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he means you wont need luck, as you WILL get your money back.


It's not the size of the dog in the fight, but rather the size of the fight in the dog..:D

MBNA SETTLED IN FULL £216.00

Preffered Mortgages Ltd MCOL going in for £3.5K

Nationwide £702.00, SETTLED IN FULL.

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Oh I know i will, i'm the dogged type.

But like i said - i wouldn't trust the fools at RBS to add up how many world cups England have won.

 

I'll keep y'all abreast of the situation.


RBS in my sights.

 

Prelim sent - 02/08/2006 for £468.83

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Alright, 14 days from the initial letter are almost up and i've had zero by the way of a response (typical!). I'll be sending the next letter out in the next day or two - i was just wondering about a couple of stray details.

 

Does everyone use recorded delivery? I didn't for the first letter and am slightly worried that they will claim they never received it.

 

I sent it to the branch where my current account is held. Searching the FAQ's didn't seem to say anything different and i'm sure an efficient and established financial institute like RBS would be able to get the piece of post replied to in 14 days even if it went to the Timbuktoo branch. But i want to be sure this is the right thing to do.


RBS in my sights.

 

Prelim sent - 02/08/2006 for £468.83

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Guest BlueRuby
i'm sure an efficient and established financial institute like RBS would be able to get the piece of post replied to in 14 days even if it went to the Timbuktoo branch.

 

You think? :rolleyes: :rolleyes:

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I mailed both the prelim and lba to my branch, july 24th and august 8th. Heard nothing! I sent this email to tommy mclean, ccing margaret king and carol stickland on Monday:-

 

Dear Sir/Madam,

 

ACCOUNT NUMBER: xxxxxx Sort Code xxxxxx

 

I am writing to you to express my extreme disapoinment in regards a claim I have filed against my branch and yourselves.

I sent a letter requesting a refund of all charges levied against my Interest Paying Current Account on July 24, 2006. I then sent another letter requesting again all charges be refunded on August 8th. Please note that both of these letters were sent via recorded mail and both were signed for at my branch, 45 Head Street, Colchester. I have attached a copy of both letters as well as the schedule of charges for your reference. The total I am claiming is £792.00

To date I have recieved no response or even recognition of my claim. I feel extrememly undervalued as a customer and am shocked at the lack of customer service I am recieving. I have always recieved prompt and polite service from my branch and from RBOS Telephone and Internet Banking.

However, due to recent media coverage, I now believe that your charges are a Penalty, penalty charges being irrecoverable at common law. It has been held that a contractual party can only recover damages for an actual loss or liquidated losses. It is clear that your charges do not reflect any actual and or real loss.

 

However, if you say that your charges are not penalties, I would be interested if you would demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your penalties really do reflect your costs. I would be more than happy to receive this via email: missm

I look forward to hearing from you and to a resolution of this. I will wait for until August 22nd as outlined in the letter dated 8 August 2006 then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.

Please contact me at the above address or by email.

Thank you,

MissM

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The thing that hacks me off is not getting a response. obviously they are unindated but even a standard letter stating we are looking into it blah blah

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Well well well - the plot thickens like a tepid cream of chicken soup. I need a bit of guidance here.

I'm fully prepared to go to court with this bad boy as i'm a little more flush than usual right now but after i sent my LBA on the 23rd August i've been confronted with this...

 

"Blah blah apologies for the non reply to your letter dated 2nd August 2006 this was due to non receipt of the original letter.

 

Blah blah our charges are fair, reasonable and transparent (stifle laughter). We are committed to ensuring the transparency of the information that we give to our customers about the operation of our products (keep stifling).

 

Against the background, we must differ to the views expressed in your letter (i know, that is their grammatical mess). Accordingly, the charges that have been applied to your account must stand.

 

I have unsuccessfully tried to contact you by phone, however if you do wish to contact me please telephone me on xxx. If i do not hear from you within the next two weeks I will assume that this matter has now been closed.

 

Thank you again for taking the trouble to write."

 

The matter is certainly not closed but as i expressed fears about earlier - they claim not to have received the original letter. Should i go ahead and move to court action or send a final letter giving them one last chance - i'd really like a moderators advice as the 14 days from 23rd August is up on Wednesday and i want to be really pro-active about this. I thought you might like the letter as a bit of a chortle at their own delusion that they have been 'fair' to me.

 

I certainly won't be contacting them via phone as i work office hours unlike those lazy types. My half hour lunch is mine and i don't give it lightly.

 

Please help!!!


RBS in my sights.

 

Prelim sent - 02/08/2006 for £468.83

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get the claim in, stal, stall, stall, they do that bit the best. GL


It's not the size of the dog in the fight, but rather the size of the fight in the dog..:D

MBNA SETTLED IN FULL £216.00

Preffered Mortgages Ltd MCOL going in for £3.5K

Nationwide £702.00, SETTLED IN FULL.

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Dont give up hope! Tommy McClean has just sent me a letter offering 546...(im actually claiming 956) so,today im sending off my rejection letter....so dont give up hope!Remember to send all letters recorded delivery.

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Hiya I'd just file the claim thats the standard letter they use to reply to LBAs.

 

I stuck to all my deadlines and just received full payment from RBS!


NatWest - Settled in full 22/05/06

 

RBS- Prelim sent 9/05/06 £1,147

£500 offer 27/05/06, rejected 30/05/06

LBA sent 25/05/06 :razz:

MCOL 15/06/06

Defence received 20/07/06

Settled in full 01/09/06 wahey!!!!!!!!!

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Right-o, that's tomorrow night sorted then!!!


RBS in my sights.

 

Prelim sent - 02/08/2006 for £468.83

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