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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
davrym

lewis/CL Finance - old RSS Classic Visa Credit Card Debt

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Good Morning to all the midnight oil burners. Received letter from Lewis Debt Recovery on Friday demanding 220.88 to be paid by 21/02/12. They give a 16 digit reference number and then notice isapparently issued on behalfof sombody called CL Finance.

 

Telephoned them yesterday to find out what the debt was relating to but once I confirmed my name and the reference on the letter I was asked to provide my date of birth for security reasons. I refused on the basis that they did not have that information so how could they use it for security. I was told they do hold my D.O.B on record and the lady refused to speak on the account any further unless I gave her this information. I ended the call.

 

I do not know what the supposed debt is for. I have never hadany dealings with either of these companies. I have since discovered by my own means that the reference on their letter is a 16 digit vsa card number. The only Visa card I had was many years ago, probably 8 years ago.

 

They threaten the usual - further action - doorstep collection. Howcan they do this if they will tell me what the supposed debt relates to.

 

Thank you for reading thisand hopefully someone can advise me.

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ignore them

 

they are trying to spoof you into paying

a statute barred debt

 

to be sure

check your cra file

 

details below

 

dx

 

ps never ever ring a dca they have no legal power to do nowt


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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

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thanks dx100uk I was thinking along those lines but was getting confused as to why CL Finance have sold this debt on with out chasing it themselves. If indeed it does exist.

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send them this letter

http://www.consumeractiongroup.co.uk/forum/content.php?428-General-debt-letter-if-you-know-nothing-of-the-debt#

 

print do not sign your name and stay off the phone they will try trick you on the phone into admiting that the debt is yours. I had a simular experince with Active Kaptil for a debt which wasnt mine i used this letter and they went away and had to pay me 50 pounds for my trouble


The Tally so far in order of appearince:

Intrum Justica

:DNow gone from my life

Metropolition

:DGone and had to repay me 500 pounds

Red(Lowell)

:DCase Closed

Aktiv Kapital

:pWas so sad yo say good bye. Parting is such sweet sorrow.

MBNA :oops::-) No CCA No Debt You lost

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Hi,

CL and Lewis are the same company.

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Thanks everyone for your advice. I have sent the letter suggested recorded delivery and will await the response. I will let you know what happens

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Just a quick update. Got a response to the prove it letter stating that the debt relates to a RBS Visa Classic account that was taken out on 20/5/98. They say the account defaulted (they did not give a date of default) and was assingned to their client CL Finance on 18/8/06 for full collection.. I do not know of any outstanding balance. Had a card but maxed it out and ripped it up and paid it off as far as I can remember. I have not had it for 10 years at least.

 

Would this be statute barred. I dont understand why they say they got it in 2006 and have not tried to collect until 2012????

 

What do you think I should do now. They have not provided any proof, just a letter with this information.

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well do you know when the last payment was made on this card?


The Tally so far in order of appearince:

Intrum Justica

:DNow gone from my life

Metropolition

:DGone and had to repay me 500 pounds

Red(Lowell)

:DCase Closed

Aktiv Kapital

:pWas so sad yo say good bye. Parting is such sweet sorrow.

MBNA :oops::-) No CCA No Debt You lost

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because they is stupid, now send a cca request just to wind them up some more


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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Just a quick update. Got a response to the prove it letter stating that the debt relates to a RBS Visa Classic account that was taken out on 20/5/98. They say the account defaulted (they did not give a date of default) and was assingned to their client CL Finance on 18/8/06 for full collection.. I do not know of any outstanding balance. Had a card but maxed it out and ripped it up and paid it off as far as I can remember. I have not had it for 10 years at least.

 

Would this be statute barred. I dont understand why they say they got it in 2006 and have not tried to collect until 2012????

 

What do you think I should do now. They have not provided any proof, just a letter with this information.

 

 

a default does not give them the right to collect nor reset the sb date.

 

your last payment is the sb clock start

 

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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Got a reply to the cca request today. They acknowledge my letter and respond

 

"Please not that we do not currently hold a copy of the required document on site.

 

Therefore, we are in the process of retrieving a copy for you.

 

We confirm that while your request remains outstanding, enforcement action will not be taken against you.

 

Please not that although the agreement may not be enforceable while your request for a copy of it remains outstanding,

this does not mean that your debt is wiped out.

 

Any outstanding debt is still owed and you must continue to make payments.

 

If you do not make payment then we will be entitled to request payment from you.

 

We may also pass details of any default to a credit reference agency and pass your information to a debt collector.

 

This view is shared by the Office of Fair Trading."

 

This took them a month to send. How long do they have to get the information to me?

 

Thanks

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12+2 days!!

 

told ya

 

you should have ignored them

 

cra file?

 

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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Thanks dx100uk

 

Does this mean that they out of time? Do I just ignore from now on?

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poss check your cra file please

 

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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Did these clowns really write that? On paper?? :spit:


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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