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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
big yin

The ball has started to roll....

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I have sent off the initial request for bank statements etc. Will let you know how this moves forward.

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good luck. make sure and follow thru as long as it takes!


(Yes I work for a bank but am here to help! Please be nice to me! :))

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Will do!:D

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STORY SO FAR

 

Well, I received a large envelope with 6 years worth OF statements. RBS owe me over £1000 in charges. I sent a letter to their Customer Relations Unit in Edinburgh and here's what they had to say:

 

"Thank you for your letter of **** and I apologise for the dissatisfaction caused by the application of charges to your account.

 

We believe our charges arefair, reasonable and transparent. We consider that the ammounts debited to your account have been applied strictly in accordance with your agreement with us............The OFT is presently in contact with us and with seven other major credit card companies to discuss teh level of charges on credit cards. It is importnat that I empasise these discussion are limited to charges on credit cards only.

 

Consequently, against that background, we must differ with teh views expressed in your letter and will not be refeunding any of the charges applied to your bank account"

 

What shall I do now?:(

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use one of the templates on here to say that you will be taking them to court if they refuse. Make sure you are prepared to follow through. Good luck! :)


(Yes I work for a bank but am here to help! Please be nice to me! :))

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On Friday I went to my local Sheriff Court and served a summons on my local bank. I will let you know what happens from here.

 

Cheers

 

Big Yin

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My wife is also claiming back money from the same bank but she was offered £90 and I was offered £0.

 

I have a preliminary date set for August. I cannot wait to take on the bank!:)

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Good luck! Keep us posted.


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 a quick question guys. Both my wife and I have the exact same prelim hearing date in August. Is it possible for me to represent my wife as she feels a little uncomfortable standing up and speaking in court?

Reading the post(s) of another forum user I noted that she was asked to prove why she thought the charges were unreasonable. Should I take along the appropriate evidence to the hearing(s) to pre-empt this?

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I forgot to say that I was contacted by a RBS lawyer a few weeks back, asking me to resend a copy of the charges. He said that the court did not attach them to the original summons. I told him that I didn't have time to resend it and he would need to contact the court. I didn't want to do his job for him. Do you think this was ok for me to do this?

 

 

I cannot wait to have my day in court. It is very exciting and I(we) have nothing to lose.

 

Cheers

 

Big Yin

;)

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This topic was closed on 03/07/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 4696 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.

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