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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
Porthos

What counts as a charge?

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Do I just take everything listed on as 'charges'? I've got ones for £12, £20, £30, £38, £40 £60, £76 (this for unpaid standing orders) £90, £100 (this 100 was for an 'overdraft arrangement fee). All of these appear to be accounted for here http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland/4971-referal-charges-maintenance-charges.html apart from the £12, £20, £40, £76 and £100. Also can I just give them that total and tell them I will add interest when it's all done as I'm not sure how to do it and want to send my letter ASAP.

 

The current state of my case is that I notified them of intention to claim and they put it on hold before the test case. I haven't heard from them since. Thanks. :)

Edited by Porthos

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Guest Old_andrew2018

Bump

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the £76 is two (£38) unpaid fees. We need more info on the other charges to determine what they are. Royalties Gold account, perhaps?

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Wow, legend! Thanks for responding, I assumed no one was going to. Given that it's not that likely that I'll win the case now, should I just calculate it as best I can and send it off? If it goes to court and I'm slightly out, presumably I could state the correct amount in court?

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Do I just take everything listed on as 'charges'? I've got ones for £12, £20, £30, £38, £40 £60, £90,

 

What does the narrative on your statement say against each of the above? and when were they taken out?

 

What type of account is it?

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I'll go through it this weekend mate and let you know (I don't have it where I'm working at the minute). Thanks for your help.

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Everything was listed as 'charges' and I've listed some of the details below.

 

referral charge for march £60

19apr a/c (then account number) £20

18 jul a/c (then acc no.) £8.33

unpaid items s/o £1800 (payee name) £30

20 sep a/c (acc no) £38

referral charge for september £90

20 apr a/c (acc no) £40

unpaid items d/d £2,465.58 £38

O/draft arrgmt fee £100

4712.33 as of end of page £44

20apr a/c (acc no) £12

unpaid items (2 standing orders) £76

 

They cover the 6 year period from 10/04/02 to 08/04/08 (although my Mum lost the first four pages of statements for a few weeks before 10/04/02).

 

It is an interest paying current account.

 

I really am very grateful for your help, thanks. :)

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Help please!

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Have a look at this post. It should help you.

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/92004-charges-can-claimed.html#post867497

Edited by sea-sidelady
altered the charge link

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Thanks, I didn't know I could apply the HSBC guide to it. :) I haven't got anything listed as "total charges" or "notified fees" as the guide refers to though.

 

If I make a minor mistake in calculating interest or charges I presume this won't be justification to lose the case? I'm just worried because there is so much money involved and it is hard to figure everything out. Plus my Mum lost the first 4 pages of bank statements so I won't be claiming for them by the looks of it!

Edited by Porthos

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Ihave finally found the page I was looking for. This has a list of all charges for different banks.

 

Try and be as accurate as you possibly can, but minor mistakes can happen. As for the first four statements, you can ask your bank for them, I know they will probably charge you X amount per sheet, or if you think there are several charges on there you could send another sar letter.

 

I have altered the link in the above post, it has a list of charges for all banks. :)


HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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