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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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I am waiting for my last 6 years statements from rbs i have written to them twice and eventually phoned them on friday they said that the statements should be with me by next friday. I have a problem with the spreadsheet i have never used one before so can anyone help as i want to send yje 14 day letter off as soon as i can

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hi Sharon

 

when you get the statements post again and one of us can give you a few tips on how to use it, you've just got to basically type each charge, date and amount in each line.

 

Stacy


NatWest - Settled in full 22/05/06

 

RBS- Prelim sent 9/05/06 £1,147

£500 offer 27/05/06, rejected 30/05/06

LBA sent 25/05/06 :razz:

MCOL 15/06/06

Defence received 20/07/06

Settled in full 01/09/06 wahey!!!!!!!!!

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i have just received all my statemnts for the past 6 years can i claim back refferral charges that i have been charged some months also some months i have double lots of interst included what do i do about htem? help. I also dont know where to go for the spreadsheets.

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Guest willowb

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-interest-calculation-spreadsheets.html

 

There's an on-going debate about claiming for interest charged on overdrafts, alot of people think that it is too difficult to do but it's up to you. What you have to bare in mind is that the overdraft has to have been caused by the unfair charges in the first place.

 

Wx

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what about the referral charges and how do i get the spreadsheets?

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Guest willowb

I put a link in my previous post.....yes you can claim back referral charges, infact any charge which isn't their std monthly o/d fee which is for the service.

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Guest willowb

I put a link in my previous post.....yes you can claim back referral charges, infact any charge which isn't their std monthly o/d fee which is for the service.

 

oooops

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how do i get the spreadsheets that i have to fill in also i dont add the interest do i?

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Have sorted out the spreadsheets total of charges are £6950 not bad. Anyway sent off the 14day letter i have been on holiday and the rbs phoned me while i was away is this there normal practise if so what should i do when they phone again i just thought that they would write to me?

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Guest littlesally

Personnally if they phoned again, I would tell them to keep everything in writing. That way you always have something to refer to and don't have to rely on your (or their) memory.

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Guest littlesally

Does this amount include interest? If it does, is the amount before interest under £5000? If so carry on, if it's over, I'm not sure, as small claims courts are for under £5000. I have heard of people claiming more but not sure what has happened. If you don't get a reply, come to the chat room, as there is a few people there who may be able to help. I'm quite new to this myself. Good luck

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Yes try to keep it under £5k (including interest )

 

the main claim HAS to be under £5k or you will be allocated a different track. the interest or other fees can take it over £5k but you pay slightly more.

 

the court charges will be £120 if the amount is under £5k or £250 if the total inc interest is over £5k.

 

you get the charges back anyway but it can be dificult to find them in the first place

 

Personally I would go for it in two chunks to keep costs down.

 

***dont sign anything saying that you won't claim again***

 

Dave


** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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