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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
Andy01

RBS Directline Credit Card CCA return

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Hi this is my new thread with DL.

 

 

I requested CCA on the 18th May but they failed to reply

I wrote to them on 10th June "account in dispute".

 

 

Now our letter has been crossed and I just got their reply today that they can not find anything

and they will not be able to enforce in court

 

 

they want me to continue to pay:confused:.

 

 

So please look into these attachment and advice me for my next step.

 

 

Thank you

 

http://i698.photobucket.com/albums/vv342/Andy01/DL1.jpg

http://i698.photobucket.com/albums/vv342/Andy01/DL2.jpg

http://i698.photobucket.com/albums/vv342/Andy01/DL3.jpg

http://i698.photobucket.com/albums/vv342/Andy01/DL4.jpg


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As they have said they can't take any enforcement action, they can ask you nicely to pay but equally you can just as nicely tell them to swivel. ;)

 

The problem is they can still devastate your credit file until it becomes Statute Barred six years from your last payment.

 

No doubt if you decide not to continue paying they'll close the a/c and sell it on to claim tax relief. It might be worth waiting while they do & then if some parasitic DCA crawls from under a rock sometime you can either kick them into touch by sending a copy of the letter where they admit there's no CCA or offer them a full & final offer at around 10-15% of the outstanding debt on the proviso the remove any defaults from your credit file.


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excellent Thanks CB So I will just wait and see if they reply to my ACCOUNT IN DISPUTE Letter which has been crossed. Will they send me any DN or not? I am not worried about my Credit file at all.


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You'll probably still get a few begging letters for a while until they realise they are urinating against the wind, before they flog it on to some fourth rate DCA who specializes in unenforceable debts. :rolleyes:

 

As for sending a DN, who knows? They probably will so they can be vindictive and try & begger up your credit rating.


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Like you said they can carry on begging not gonna get blood from this stone. Atleast they admit that they can not take me to court so rest I have got enough time to write letters to good for nothing DCA


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Please do not lose that letter :D


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Uploading documents to CAG ** Instructions **

 

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

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2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks CB and Cerber Its all your guy's help. I am really glad to find this site.


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Good Morning all,

Here is somthing I picked up yesterday's Daily Mirror newpaper might intreset you.

http://i698.photobucket.com/albums/vv342/Andy01/Mirror.jpg


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I have had a look as you asked, but I think you have been given great advice so far.

 

The best thing is to wait and see what their next move is.


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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Thanks Again for your help


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I think they had already reply to my CCA request on 15th June

http://i698.photobucket.com/albums/vv342/Andy01/DL1.jpg

 

and my letter in dispute crossed on 10th June and

 

 

I got this reply today from RBS.

 

 

They must be the part of Dirctline.

 

 

fotoflexer Pictures, fotoflexer Images, fotoflexer Photos, fotoflexer Videos - User Media - TinyPic - Free Image Hosting, Photo Sharing & Video Hosting

 

 

So I think i should wait and see.


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Well that's three letters admitting they cannot take enforcement action. I'ts always nice to have everything in triplicate......... unless it's a marriage. :eek:


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Thanks Cerber can you please Check my Halifax thread.I got there reply almost after a month


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I hope you have those letters tucked away safely :D


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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CB Trust me my friend they are very safe .Nice to hear from you. Thanks


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Hi guys do you think I should write to them for F/F or should I wait?

Account No:

Ref No:

Dear Sir/Madam,

Thank you for your letter dated 15th June 2009 from Direct Line and letter dated 3rd July 2009 from RBS of Scotland confirming that there is NO enforceable agreement exists between us. So there for you are not in position to enforce any payment due to the fact that you are unable to provide an enforceable credit agreement.

So to that effect I am willing to make a full & final offer of £200.00 (12%) to bring this matter to a conclusion.

Please note you may also consider under section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect.

 

This is on the proviso that any adverse information recorded with the various credit reference agencies is removed from my files & that I receive written acceptance to these terms from you within 14 days of receipt of this offer.

Yours faithfully

 


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cerberusalert is pretty good with drafting letters of this ilk, so it might be a good idea to wait and see if he/she has any advice to offer in respect of your F&F :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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The letter's fine but i doubt whether they'll accept. They'll be more likely to sell it on to a bottom feeding outfit with a shedload of other unenforceable debts & then claim tax relief.

 

Of course there's nothing to stop you making the offer but I think you'll have a better chance with one of the lowlifes.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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17 Port & Maritime Regiment RCT

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Thanks so in that case I think I will wait . Cheers guys


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If you had ever been helped by this site and satisfied than by Donating This site is just simply helping others too, who are really in need. Please make a donation.

....................................................

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