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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
Guest mediaseller

Pension charges SCAM

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Guest mediaseller

I don't know if anyone can help with this but I'll give it a shot anyway.

 

My wife wants to draw down some money from her pension. She has done this before but did not take the full 25% she is entitled to take. She is 57 like me.

 

She has been given the guilt trip blurb by the broker who says because it's a group pension (at work) she will reduce the pot for everyone. Quite frankley that's not our problem because pension pots are dropping anyway and that's not our fault.

 

The cheeky broker is saying that to do the work will take up to 3 hours at £150 per hour. Can he charge this much? He didn't charge anything last time. (Nor to set it up for that matter).

 

Any help would be appreciated. :confused:

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He can do this, IF he advises his rate and you agree with it. Howeever, is is onlt a broker, and if you can find another to act for you his rates may well be considerably less. It might be useful to get a few quotes, and then go back to the original guy, saying that you can get the work done for £150 in total (not the £450 he wants). So he can either match it, on lose the business.

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Guest mediaseller

Hi buzby.

 

I don't think it's possible to do this since it is a occupational group policy through her employer so I believe she has to stick with him.

 

thanks

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We might not be a 'broker' in the accepted sense. Is there anyone at the firm who can advise, as the £450 fee (to my mind) is wholly ureasonable.

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Guest mediaseller

Hi buzby.

 

Perhaps not since she is trying to keep it private for personal reasons. I did suggest that she takes out everything that she can to minimise the impact of the charge. I think she is going to haggle with him later today.

 

thanks again.

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Guest mediaseller

My wife has drawn down some money from her pension and has allegedly been overpaid by approximately £600.

She received a letter from the pension company shortly after receiving her money to the effect that an overpayment had occurred and she would have to pay it back. When she questioned this she received another letter stating that it was an error and that she did not have to pay it back. A few weeks later she then received yet another letter saying that she did owe the money.

She has since written to them asking them to clarify the situation and they have again written to her enclosing a photo-copy of the last letter which of course states that she owes the money.

Since the second letter stating she did not owe the money she has spent it so I am considering writing to the company to advise them that I will invoke the Doctrine of Estoppel and that she will not be paying it back as she would be financially embarrassed in doing so and putting them to strict proof that an error has been made.

Any advice is welcomed.:|

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No idea, but it sounds like you can but give it a go.

 

Can you/ your wife show adequate grounds for not paying back the alleged overpayment and that it has been spent in good faith on items that are within her 'normal' lifestyle?

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Guest mediaseller
No idea, but it sounds like you can but give it a go.

 

Can you/ your wife show adequate grounds for not paying back the alleged overpayment and that it has been spent in good faith on items that are within her 'normal' lifestyle?

 

Hi.

 

Yes she can show adequate grounds on the basis that I am unemployed and the whole point of the draw-down was to pay bills for a few months until I could find work. I'm still unemployed by the way.

 

Regards

Mediaseller

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I think you have a decent shot here, especially since you were told that they wouldn't be trying to recover the overpayment. It would be inequitable for them to change their mind from where I'm sitting.

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I'd also say that given they took a 'few weeks' to change their mind again and say it was owed, you could show that they were seriously at fault for not checking to make sure when confirming the amount did not have to be repaid, or for getting in touch very soon after.

 

Also, they should have sent a detailed explanation to show why there had been an overpayment in the first place - not to just send a photocopy of the last letter.

 

This gives the impression that their overpayment claim may be wrong again anyway as they have failed to provide proof.

 

However, as they didn't do any of this in a timely manner from the start, and then confirmed they'd made an error and left it at that for some time, I'd say you have a good case, but don't expect the people at the other end to understand any of it.

 

You may be in for a long, drawn-out correspondence.

 

:)

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