Jump to content


  • Tweets

  • Posts

  • Our picks

    • 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
        • Like
      • 0 replies
STEVEGOLDSMITH

thanks for my ccj tesco!!

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3343 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi everyone,

I got into difficulty paying back a Tesco loan 5 years ago and ended up going to CCCS to set up a payment plan to repay my debits. All was going well till last year when I decided to pay my debtors directly. All my debtors were happy with this including Tesco, but SOMEHOW they did not take payments for 3-4 months without me realising. I ended up with county court papers, so I phone Tesco to sort out the payments and they said that I could setup a Tomlin order, which I agreed to. While the paperwork was being sent out, I made a payment just to make sure I had a record of what we had agreed. Tesco advised me that they would cancel the court proceedings and as long as the y received the papers all would be well. 30 days passed and I noticed that once again they had not taken the payment as agreed so I phoned up to find out why. I was told that they never received the papers so they went ahead with the courts and I now have a CCJ by default. I have left it at that for over a year but I still feel it was unfair.

 

Is it worth trying to get the ruling overturned? Bearing in mind the following points

 

1. I never received a default notice but on my credit record there is one listed from nearly 5 years ago

2. We agreed a payment plan and I made a payment as proof but still they took action

 

Thanks for any advice


"Never give in--never, never, never, never, in nothing great or small, large or petty, never give in except to convictions of honour and good sense. Never yield to force; never yield to the apparently overwhelming might of the enemy.''

 

Sir Winston Churchil

One of the greatest!!

Share this post


Link to post
Share on other sites

hi

also where can i find a SAR template?

 

thanks,

pete


"Never give in--never, never, never, never, in nothing great or small, large or petty, never give in except to convictions of honour and good sense. Never yield to force; never yield to the apparently overwhelming might of the enemy.''

 

Sir Winston Churchil

One of the greatest!!

Share this post


Link to post
Share on other sites

its ok, just found it


"Never give in--never, never, never, never, in nothing great or small, large or petty, never give in except to convictions of honour and good sense. Never yield to force; never yield to the apparently overwhelming might of the enemy.''

 

Sir Winston Churchil

One of the greatest!!

Share this post


Link to post
Share on other sites

A Tomlin Order is used to avoid a CCJ. If you don't care about the CCJ I wouldn't both, although you have obviously incured additional costs on top of the debt (Although it is possible the tomlin order amount is the amount of the claim form as they would have already issued and incurred the costs).

 

So I'd look how much the CCJ is and how much the debt written into the Tomlin Order was, if it's the same then financially you aren't out of pocket.

 

Of course, it will affect your credit rating but unless you can show proof that you returned the Tomlin Order to them or that they received it (i.e: recorded delivery) then I think they are ok to assume that you didn't respond and can proceed assuming you no longer wanted the Tomlin Order

Share this post


Link to post
Share on other sites

Hi, thanks for your reply

i think what really bugs me is that it is a CCJ, i have paid nearly £38k back to my creditors and they are the ones who were a nightmare to deal with.

 

i dont want the CCJ round my neck now when i have come so far and paid so much back, i was on track to getting myself sorted and now im out for another 5 years (when ccj is removed)

 

cheers,

pete


"Never give in--never, never, never, never, in nothing great or small, large or petty, never give in except to convictions of honour and good sense. Never yield to force; never yield to the apparently overwhelming might of the enemy.''

 

Sir Winston Churchil

One of the greatest!!

Share this post


Link to post
Share on other sites

Have you got the details of the Tomlin Order to hand, what were the terms?

 

Also, do you have any proof you sent it? (not that this 100% matters)

 

Also, what action has been taken since the CCJ? Have they taken it further or is it a CCJ for a monthly amount? Have you paid monthly amounts since?

Share this post


Link to post
Share on other sites

hi sadly i have no proof that i sent it back and cant really recall the exact details of the tomlin order. i have paid the set amount every month without fail since and am about to double my payments to them to get it paid quicker

 

i really would like the chance to get that ccj set aside

 

cheers

pete


"Never give in--never, never, never, never, in nothing great or small, large or petty, never give in except to convictions of honour and good sense. Never yield to force; never yield to the apparently overwhelming might of the enemy.''

 

Sir Winston Churchil

One of the greatest!!

Share this post


Link to post
Share on other sites
hi sadly i have no proof that i sent it back and cant really recall the exact details of the tomlin order. i have paid the set amount every month without fail since and am about to double my payments to them to get it paid quicker

 

i really would like the chance to get that ccj set aside

 

cheers

pete

Without proof then I think you're stuck :(

 

Does the CCJ require you to pay a set amount each month or is it one that required payment immediately leaving the creditor future enforcement options as it's unlikely you can pay in one lot.

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...