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    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
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    • 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....
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    • 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/
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    • 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.
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      You should consult others on these forums when considering any offer.
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      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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mkb

Tesco/RBS DN - opinions needed please

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Brief history:

 

Approached in Tesco car park Feb 2008 & offered Tesco CC. Credit history ok at that point so said yes :|

 

A/C running ok til got into difficulties earlier in the year & at that point, was in DMP with Payplan.

 

Tesco then were getting just under £10pm but I was still getting £12 notice of default charges applied.

 

Stopped my DMP with Payplan cos a) we have no longer got the £100 disposable income they insist on and b) they didn't operate the DMP properly (they were paying out to incorrect a/c no's etc)

The last payment I made to Payplan was in early June & I've written to all our creditors on July 10th with a revised payment plan using Letter B from here http://www.consumeractiongroup.co.uk/forum/show-post/post-162355.html

 

In the meantime, I get this: http://img44.imageshack.us/img44/1020/tescofinalrequestforpay.jpg

 

Heard nothing so have not yet paid.

 

Saturday I get the following:

 

http://img33.imageshack.us/img33/9484/tescoltrwithdn.jpg

 

No longer in DMP with Payplan so don't know why they refer to that instead of to my letter of July. DN also enclosed:

 

http://img3.imageshack.us/img3/5153/tescodn.jpg

 

The DN is dated 31/08/09 which was Monday Bank Holiday so would not have been collected by RM and there is no date by which to take the appropriate action, just 17 days from the date of the notice.

 

I'm thinking this DN is faulty & would appreciate your opinions as well as advice on what to do next.

Edited by mkb

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Do you have the envelope, was it UKMAIL, 1st class or second class?

 

S.


Are You as Anonymous on CAG as You Think You Are? *Link*

 

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Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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I can't believe how much I've learnt on this forum & one of those was to keep the envelopes so yes I do have it firmly stapled to the letters it contained :D

 

It was pre-paid RM 1st class.

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I can't believe how much I've learnt on this forum & one of those was to keep the envelopes so yes I do have it firmly stapled to the letters it contained :D

 

It was pre-paid RM 1st class.

 

Ok I make them 1 day short... as you say no collections on 31st, so posted on the 1st, 2nd and 3rd are service days and then 14 clear days from the 4th takes you to Friday 18th imo.

 

S.


Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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That was my thinking too so I'm glad you feel the same.

 

Now, the thing is....what do I do now?

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That was my thinking too so I'm glad you feel the same.

 

Now, the thing is....what do I do now?

 

Until they terminate they can correct the default notice.

 

S.


Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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Termination notice arrived

 

http://img32.imageshack.us/img32/4421/tescotn.jpg

 

Am I right then in thinking that as they issued a defective DN which was not rectified prior to termination, the most they are entitled to is the arrears?

 

Whats the first step?

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Ok, as the agreement was taken out post 2007 it will be deemed enforceable even if it doesnt contain the prescribed terms.

 

In theory because they have terminated on the back of what we consider a dodgy default notice they should only be allowed to claim the arrears but that'll need arguing in front of a judge.

 

Their next move usually depends on what they perceive you having in regards to assets and whether they think you have any disposable income.

 

If you want to stave off DCA or possible legal action then you could offer your agreed payplan amount direct to them if you can afford it?

 

S.


Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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Well, well, well - got my SAR response through.

 

 

http://img29.imageshack.us/img29/5927/tescosarresponse.jpg

 

http://img34.imageshack.us/img34/2260/tescoagreement1.jpg

 

http://img97.imageshack.us/img97/5917/tescoagreement2.jpg

 

 

 

 

OK so card protection box is UNticked......so what's that I see on the statement then & all other statements?

 

Methinks Tesco/RBS have been a bit naughty here!!!

 

http://img34.imageshack.us/img34/7094/tesco1ststatement.jpg

 

 

 

SAR info is spectacularly devoid of any correspondence from Payplan who we used for a time and absolutely no trace of the DN's & subsequent TN!

 

Any suggestions - can't offer F/F cos we're broke at the moment but they haven't chased payment yet.

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OK so card protection box is UNticked......so what's that I see on the statement then & all other statements?

 

Methinks Tesco/RBS have been a bit naughty here!!!

 

http://img34.imageshack.us/img34/7094/tesco1ststatement.jpg

I suspect they'll say it was a telephone sale later on in the lifetime of the card if you advise them of it now, possibly better to wait before disclosing it, hence you need to add a request for all taped conversations just in case :-D

 

Ok, if you have all your statements then you need to work out the cost of PPI against the current outstanding balance, and the cost of PPI will need to include interest compounded which you can claim in restitution.

 

SAR info is spectacularly devoid of any correspondence from Payplan who we used for a time and absolutely no trace of the DN's & subsequent TN!

 

Any suggestions - can't offer F/F cos we're broke at the moment but they haven't chased payment yet.

Write back stating the SAR has not been completed and you require all copies of correspondance including anything between Payplan and RBS and a copy of both the default notice and termination letter... plus the calls tape :-D. Failure to provide such information will result in either litigation to force them to disclose under the data protection Act or a complaint to the ICO for them to enforce the disclosure.

 

S.


Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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Thanks mate - will update in due course ;)

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Letter posted as advised which was delivered earlier this week. They have til mid-Nov to comply with original time scales.

 

Letter from Newmans DCA today - ho hum, staple envelope & file :p

 

NO notice of assignment though so guessing they're only collecting on behalf of RBS...

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Letter from Newmans DCA today - ho hum, staple envelope & file :p

 

NO notice of assignment though so guessing they're only collecting on behalf of RBS...

 

Unlike the banks, we all like to keep our paperwork :-D

 

Might be an idea just to reply with a letter stating you consider this account in dispute due to unfair/illegal charges and are in the process of claiming those back, and that RBS are in default of the SAR at present... if just to keep the paper trail.

 

S.


Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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Various letters received & filed ;)

 

Today's post brings the yellow postcard urging contact with Alex & quoting a reference number.

 

Thought this was against OFT's debt collection advice? :rolleyes:

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Various letters received & filed ;)

 

Today's post brings the yellow postcard urging contact with Alex & quoting a reference number.

 

Thought this was against OFT's debt collection advice? :rolleyes:

 

Yep, but when has that stopped any of the so called "self regulated" dca's attempting anything.

 

Time for a complaint to OFT by email or letter I feel

 

S.


Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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