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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

Tesco (RBS) Visa CCA Request

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Hi Guys. Made a CCA request to Tesco about a month ago and today received a letter and some docs. Part of the letter said:


Your written request for information made under s78 (1) of the Consumer Credit Act must be accompanied by payment of a fee of £1, which we have received and has been applied to your account accordingly. We are obliged to provide you with a 'true' copy of the credit agreement and a statement of financial information relating to the account, namely, the state of the account, amount currently due, with amounts and due dates of future payments that still require to be made. In terms of CCA copy document regulations, the 'true1 copy requirement can be satisfied by providing a copy agreement at the date the card agreement was made and providing that plus a copy of the current terms of the card agreement.

They have sent me:


- My original application form (signed by me)

- Copy of their terms on conditions (I am presuming these are from 2000 when I signed for the card)

- a blank credit card agreement

- Another copy of therms and conditions which I presume are therir current ones


I am presuming it is safe for me to dispute what they have sent me?

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I would post my agreement as it seems similar to some others that have been posted on here (that don't comply) - though it appears I cannot post attachments.

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Don't know if there is anybody out there...but now received a default notice - which I am presuming they cannot do without valid CCA. I have found a links to similar letters (to the one I have recieved) and they seem to be a standard 'fob off' when they don't have a valid agreement. Any advice much appreciated - I am particulalry interested in a 'definitve' guide to what a CCA should look like.

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Hi, Girlsaloud,


Basically, Tesco will only provide the application form and claim it is enforceable. You will claim it is not enforceable and it is only a court which will decide either way!


Are the prescribed terms on the 'application form' ? - if not, they have no chance of getting any money from you, whatever they bluster.


Whether or not you dispute the CCA, they will default you, as you have found out. KEEP the default notice as it may be extremely important if this ends up in court.


Next, they will set various DCAs on to you, to reclaim the balance, to which you will claim the account is in dispute and you do not acknowledge any debt, etc . . .


Then they will send in their legal team, ie Incasso solicitors, who are fairly lively about starting a claim. They will expect you not to defend, of course, leading to them get a ccj against you by default. Then they will go for a charging order if you own your house.


Now for the good news . . .


Incasso are notorious for issuing county court claims at speed, but then have no guts to see it through, usually discontinuing their action when anyone has the temerity to defend!


Can help you if it gets to that stage as I've been there before . . .


BAE :)

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Thanks for this - very helpful - no prescribed terms on application. They sent:


- My signed application form from 2000

- 2 x terms and conditions

- An unsigned/undated credit card agreement

- my last statement


I found another thread on here and it seemed fairly clear that WAS not acceptable under CCA. I guess when tesco don't have a CCA they take a chance and send you all the crap above. I have already put the account into dispute. To be honest my finances are wrecked since my marriage ended and they are way down the pecking order!!


I have experience of Incasso. Sent my ex husband one letter to my address requesting full payment on a loan (there was no account number on or any detail). I wrote back saying he did not live here anymore and no idea when he was. Few days later county court papers arrived from Northampton. Sent them back 'no known at this address'.

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Hi Folks


Its time everyone got together to support other in beating these Bandits

have a look at this and show your support for him. this is just a start


YouTube - Royal Bank Of Scotland part of DVD

pick up a penquin two systems for the price of one:?:

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