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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

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Hi everyone


I’m sorry if these questions have been answered within your forums but I’m so confused by everything that is going round I thought it best to email you.


I have on my credit filelink3.gif 2 default notices 1 from Mint and the other from NatWest, both of which in my opinion should be arrangement to pays.


The default registered by Mint was for a credit card, I had lost my job and my father had passed away so I was due some inheritancelink3.gif money. I rang mint and advised of this and said up until I get the money I will continue to pay £30 towards my statement. They accepted the payments and I then proceeded to pay the full balance to them. No mention of defaults and no notice received. The default was registered in June 2007 and I only know about this now as I have tried to apply for a mortgage and was declined.


The same situation applies to NatWest however the money owing to them was for an overdraft I also paid them £1800 of the £2100 as there were alot of charges included. They accepted and advised payment was in full and final settlement.


I have sent both companies letters in line with http://www.learnmoney.co.uk/credit-file/remove_default_notice.htm l.


The responses from both companies that were default notices are system generated documents and they are unable to provide true signed copies and that as the debts were paid they have no obligation under the CCA to supply me with a copy of the original credit agreement.


I then referred the complaint to the foslink3.gif, they have advised as I am challenging the defaults on a legal basis they are unable to provide any help.


I now feel I am left with no choice but to take the matter to court. However I find this a daunting and scary process.


I came across this forum and you all seem very knowledgeable in relation to taking financial institutes to court.


What I was wondering was do you think I have a case to take to court and is there any help you could give on taking this to court.


Obviously any time spent helping me would be greatfully appreciated


Looking forward to your reply.



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no help then? please i know there are a lot of knowledgeable people on this site

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Mint have stated that they do not have to comply with the consumer credit act and supply a credit agreement or default notice as the account is now settled in full.


I have had enough of them and have sent them a letter before action today. Only problem is I have no idea on how to proceed and take this matter to court, what information I could take as a case reference and what my evidence should be.


I sound hopeless dont I lol.


Please could somebody help me with urgently as I only have 14 days to prepare a case.


Thanks in advance

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