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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
lisadp1970

UK Credit Repair websites - can you really remove bad credit from your file just like that?

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Hi

 

Mine and my husbands credit rating is shockingly poor and we are currently waiting for an eviction date to drop through the door as our home is due to be repossessed (husband lost his very well paid job 3 years ago and took one paying 1/3 of what he was earning so struggled badly ever since)

 

Even though the council are supposed to be "helping" us, I would rather find another home myself before we have to leave our currant house as we have three young children.

 

Problem with this is nearly all estate agents do credit checks and seem to take the attitude that as we have a terrible credit history we are evil dishonest people who will fleece them of their rent money!

 

I've come across a few websites which claim they can help you remove all bad credit history from your file, whih sounds ideal, but I wasn't born yesterday and can sense that their claims aren't all they're cracked up to be?

 

Any advice appreciated

Lisa

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They cant remove them just like that, It takes months of communication to get adverse entries removed. Whatever they do you can too but it isnt easy as the lender would rather write off a balance than remove the entry. I wouldnt pay anyone to do any of that because I am confident in doing so myself and have already got a dault removed. It isnt an overnight thing, You start with an SAR which takes 40 days (plus around 10 if you requested it correctly) and take it from there.


˙os op oʇ pǝʞsɐ ssǝlun ǝƃɐssǝɯ ǝʇɐʌıɹd ʎq ǝɯ ʇɔɐʇuoɔ ʇou op ǝsɐǝlԀ ˙pǝɹnɔɔo sǝssol ʎuɐ ɹo ǝɹnlıɐɟ ɟo ʇlnsǝɹ ɐ sɐ ǝlqɐıl plǝɥ ǝq ʇou llɐɥs I ˙llıʍpooƃ ɟo ǝɹnʇsǝƃ ɐ sɐ os ǝuop sı uǝʌıƃ ǝɔıʌpɐ ʎu∀

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you can do it all with help from here

 

however, just remember that things like late payment/under payment markers are a true reflection so are almoat impossible to get wiped

 

you really need to read as a much as you can

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Isn't this the idea that a company puts money into an account (that they also set up for you but don't let you touch), and then record with the CRAs that the money is being transferred back to the company's accounts as a perfect payment record....basically it's a score manipulator. As long as you don't arse it up with missed payments with genuine credit commitmnts, it's a feasable way for credit lepers to get some credibility back.

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Isn't this the idea that a company puts money into an account (that they also set up for you but don't let you touch), and then record with the CRAs that the money is being transferred back to the company's accounts as a perfect payment record....basically it's a score manipulator. As long as you don't arse it up with missed payments with genuine credit commitmnts, it's a feasable way for credit lepers to get some credibility back.

 

Hi

Not really. Credit repair companies charge you to have adverse entries removed but really there isnt a point. I started cleaning up my file in December 2010 and Have already got a CCJ and a default removed. The other 2 defaults should be gone in a few weeks and then I have a new credit file.


˙os op oʇ pǝʞsɐ ssǝlun ǝƃɐssǝɯ ǝʇɐʌıɹd ʎq ǝɯ ʇɔɐʇuoɔ ʇou op ǝsɐǝlԀ ˙pǝɹnɔɔo sǝssol ʎuɐ ɹo ǝɹnlıɐɟ ɟo ʇlnsǝɹ ɐ sɐ ǝlqɐıl plǝɥ ǝq ʇou llɐɥs I ˙llıʍpooƃ ɟo ǝɹnʇsǝƃ ɐ sɐ os ǝuop sı uǝʌıƃ ǝɔıʌpɐ ʎu∀

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Hi new to this. Have bad credit (don't know why). I have checked files nothing unusal. Only went into bank the other day and they were extremely they wouldn't even put us down for an interview (regards loan)? Been banking with them for 12 years now! Want to know if there are any credit repairs negiotiators out there who could help sort out why this is happening to us.

:|

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Over the years all the bad stuff has dropped of my credit file but my score is terrible still. So I managed to get a Credit card (with a stupid high interest rate) and spend a small amount every month on it , paying it back on time every month and finally my score has started to increase. There is only a tiny limit on it and you need to be able to afford to pay the balance back every month for it to work but it seems to be working for me.

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this thread is 7 years old so start a new one. also dont make assumptions. You think youhave bad credit, then why do you think that and what does your credit files say that draws you to that conclusion.

Ask another bank for a loan interview and see what they say. You dotn have to put all your eggs in one basket

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cripes i didn't realise the thread was that old

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please start a new thread

and i'l move these posts to it for you

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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