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    • I think that's a step in the right direction, surrey.   HB
    • I'm pleased that you got through to at least one correct email address.   Hopefully if the branch have been in touch it's good news and fingers crossed that the complaints team get in touch early next week. You're right to keep a note of your expenses, I would claim all those too.   HB
    • It was from debbie.crosbie@tsb.co.uk, so thx to you for the idea HB, a reply within 24hrs from that address. It'll be Tuesday at the earliest now I think, also the Branch called Yesterday to request proof of ownership for a further 4 transactions made since the disputed transaction. I have the info to prove, but it's a massive headache trawling back through trading history to locate, print out, & notate these so they can make sense of them.    All the time & materials I'm spending doing this are being noted, & form a compensation claim for loss of earnings, as part of the complaint, & I will make the exec complaints team fully aware that I expect to be recompensed for this. 
    • The company did finally respond and the subby fixed the hot water system, which turned out to be a fault with my immersion heater that was only six months old. The installer of the immersion claims he has lost his license, so I am screwed again. Consumer protecting in the UK is a joke. The website that supported this rogue trader is investigating. We still expect the Solar Panel company to deliberately go bust to invalidate warranties,, unless the FIT grant is restarted in some form.
    • just offer a low pcm 
  • 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
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      • 0 replies
BankFodder

New mortgage arrears template

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Please read this article - http://www.consumeractiongroup.co.uk...lender-conduct

 

Follow the links to the FSA website and read the for articles. Two of them are FSA summaries and two of them are the FSA final notices in the case of Deutschebank and also in the case of Redstone.

 

They are not difficult to follow although Deutschebank is 20 pages and Redstone is 15 pages. It is really quite essential that you understand the FSA's reasoning in both of these decisions. It will give you a lot of confidence about what you are doing.

 

Follow any discussions on recovering mortgage arrears in the forum. If there are things that you are not certain about, then ask questions on the forum.

Before sending off the letter, you should have already assembled all of your mortgage statements and be certain of the amount of money that you are reclaiming. If you have not done this, then you need to send your mortgage lender an SAR in order to find out exactly how much they have taken from you.

 

Additionally if you have been charged for counsellor visits – which either have not occurred at all – or to which you have not agreed, then you should claim that money back as well. If you have been charged anything between £50-£100 or more for counsellor visits, then it may be that those charges are unlawful because it is clear from the Redstone case that your lender is only entitled to charge the actual cost. In that case, the entire charge is invalidated – not just the excessive part. In that case you should also proceed to reclaim all of that as well.

 

You will have to bring a county courtlink3.gif action. It is not complicated and it should not be frightening to you.

 

Do not imagine that sending the letter is suddenly going to produce your money. Financial institutions generally have shown themselves to be greedy and stupid as well as bullying and unfair.

 

We can help you deal with them so you don't need to worry too much. However if you are simply trying to bluff them into paying you your money and you have no real intention to go to court, then do not send the letter. It will be a waste of your time. It will undermine the efforts of others who are really serious about recovering their money.

 

Mortgage arrears template letter before action


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style="text-align:center;"> Please note that this topic has not had any new posts for the last 3008 days.

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