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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.
      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.

      Do you have a mortage arears claim to make? Then post your story on the forum here
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      • 0 replies

Natwest and RBS to charge for branch withdrawals

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(note, the below is also posted in the netwest form)




what a joke.


read the link below from money saving expert


MoneySavingExpert News - Natwest and RBS to charge for branch withdrawals


a copy is below



Natwest and Royal Bank of Scotland (RBS) have created a set of new over-the-counter cash withdrawal charges that come into effect later this summer.


The duo, both part of the RBS group, will soon charge fees to take out money at rival bank counters in the UK and abroad.

Natwest customers will even be charged when withdrawing at an RBS branch counter, and RBS customers will be charged at a Natwest branch, despite both being part of the same organisation.

Abbey, Alliance & Leicester (A&L) and Barclays already levy similar fees. Abbey and A&L are part of Spanish banking giant Santander yet Abbey charges its customers to withdraw cash from an A&L branch counter and vice versa.

These are just some of the many stealth fees levied by banks, yet some providers are more lenient than others. The top accounts can be found in the Best Bank Accounts guide.


Natwest/RBS UK charges

  • Natwest Visa debit card holders will pay 1.5% of any amount withdrawn (minimum £2, maximum £4.50) at a non-Natwest branch counter from 5 September.
  • RBS Visa debit card holders will pay the same fee at a non-RBS branch counter from 15 August.
  • If you withdraw £100 at a rival bank counter, £102 would be debited from your account.
  • Natwest and RBS are not adding charges to ATM withdrawals.

The move will hit those who prefer over-the-counter withdrawals and those who need to take out large sums that exceed their ATM withdrawal limit.


Abbey/A&L/Barclays charges

  • Abbey charges 1.5% (minimum £1.99) at any rival bank counter, including A&L.
  • A&L's fee is 2% (minimum £2) at any other bank counter, including Abbey.
  • Abbey and A&L are being rebranded as Santander over the next 18 months. Once the rebrand is complete, Santander customers will not be charged for taking out cash at any of its branches.
  • Barclays charges 2% (minimum £1.50, maximum 4.50) at any rival bank counter.
  • None of the trio add an ATM withdrawal fee.

Avoiding the fees


The other major banks, plus Nationwide Building Society, say they do not levy similar over-the-counter withdrawal fees.

The easy way to avoid these fees is to withdraw cash from a bank-based ATM or use a counter belonging to your bank, as these are usually free. Some non-bank ATMs charge a fee. These are often found in newsagents and pubs.

Dan Plant, MoneySavingExpert.com money analyst, says: "These charges are another smack in the face for customers, from big banks trying to claw in as much cash as possible. These fees are easily avoided so make sure you protect your pocket."


Overseas charges


Natwest/RBS customers will also pay a new 2% fee of the sterling amount withdrawn from any overseas bank counter (minimum £2, maximum £5). This brings the pair's over-the-counter charges in line with their overseas ATM charges.

The charges come into effect at the same time as the new UK over-the-counter charges. They are in addition to the currency conversion charge of 2.75% of the amount taken.

A £100 overseas withdrawal will result in a £104.75 debit from your account.

The top bank account to use overseas is the Nationwide FlexAccount. With it, there is no cash withdrawal fee worldwide and no currency conversion charge in Europe.

However, you'll pay 0.84% of the transaction amount when you use the card in most non-European countries

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Thats because they know they're gonna get shafted in the bank charges case and they need to recoup the money somehow.

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Craigers, it a complete non story. In the whole of my time in the bank this kinda process hardly ever happened. I suspect the change to VISA maybe at the heart of this.


FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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I agree with Yourbank on this. At present Natwest customers can't actually withdraw funds over RBS counters, they are generally politely referred to the cash machine outside where withdrawals are free.


This is the inevitable consequence of keeping the two banks completely separate (which helps with regard to the £50k compensation limits) whilst they are still in the same. The systems used in each brand can only access acounts of that brand (RBS can't see NatWest and vice versa). The cashline network uses a central verification system for checking account balances.


If this is true (and I'm not sure it is) it means longer queues as non RBS/NatWest customers begin to use their branches so it seems fairly reasonable to charge them for clogging up the system. Why wouldn't you use the correct bank network if it was free?

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