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    • Thnaks Honeybee13   When I right click over his profile and go to meaasge it has a pop up "Your account has not yet met the minimum content item count requirement to send personal messages. You are required to have at least 11 content items count before using this functionality". [help]
    • SAR sent to: Virgin Credit card Cawley House Chester Business Park Chester CH4 9FB -2nd Class, proof of postage -no payment -signed   CCA sent to: Arrow Global Limited 12 Booth St Manchester M2 4AW -1st class recorded -£1 postal order stapled -not signed   I am keeping payments going for now
    • Do nothing if your partner has never had a HSBC account and now Drydens state the account was opened in 1991,as no contact or payments have been made it would be Statute Barred and they Drydens are well aware of this.If you feel a need to respond simply state you have never had a HSBC account, and should you continue to Harass Me I will take the matter up with the Financial Ombudsman.For sure do not fill in any form regarding your Income and Outgoings FS
    • Have you tried sending a private message [PM] to Andy? You should be able to PM site team.   HB
    • I bought a secondhand car, insured it via telephone before driving it but then drove it the short distance home to get it taxed on my PC. Due to events not worth going into, I didn't get chance to tax it until a couple of days later (so left it in a garage), which I did. Even so, I've now got a DVLA fine for the car "being used or kept while untaxed in XXXXX Street". Would I be correct in assuming that there is no fighting this one, that that's it, i'll just have to pay up because I hadn't yet taxed it on the date in question (although ironically the tax is backdated to the start of the month when you pay it)?Note also that I'm convinced I never went anywhere near the particular street in which they say I was spotted!
  • 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
Consumer dude

lets work on a christmas meet

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Sorry unable to do December


If I owe you money, take a number and join the queue. If you owe me money pay up and shut up

 

 

 

 

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Friday Dec 14th sounds a good date.Lets make it Bristol then..

 

Bristol sounds good...can do any other date other than the 14th.

 

How about peeps put some dates up and go from there and names of who is going of course always helps lol


 

 

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HOW NOT TO CLAIM...Click here!

 

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.please remember that any advice i give is purely my own experience or opinion thankyou

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December off duty being done soon so can book anything!

Bristol sounds good.


Keep up the fight against Bank Charges.

 

 

Got Debt problems?

Don't panic, put the kettle on and read this

 

:-) Everything I write comes from my heart and head! The large filling cabinet that is my knowledge of life, however warped that may be!! :-)

 

<<< Please tickle my star!! if I have managed to help you or just made you chuckle!

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yup i can do the 7th don't know about the other half not asked him yet me bad :madgrin:


 

 

A-Z Index

 

 

 

 

 

 

 

HOW NOT TO CLAIM...Click here!

 

HOW TO...DUMMIES GUIDE TO CAG...Read here

 

.please remember that any advice i give is purely my own experience or opinion thankyou

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yup i can do the 7th don't know about the other half not asked him yet me bad :madgrin:

 

The other half would be 3 and half.

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:lol:

Keep up the fight against Bank Charges.

 

 

Got Debt problems?

Don't panic, put the kettle on and read this

 

:-) Everything I write comes from my heart and head! The large filling cabinet that is my knowledge of life, however warped that may be!! :-)

 

<<< Please tickle my star!! if I have managed to help you or just made you chuckle!

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oh very witty :lol:


 

 

A-Z Index

 

 

 

 

 

 

 

HOW NOT TO CLAIM...Click here!

 

HOW TO...DUMMIES GUIDE TO CAG...Read here

 

.please remember that any advice i give is purely my own experience or opinion thankyou

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Are u up for a Christmas meet then ?

 

I would love to meet up with everyone but I have an early start the next day with work commitments. In early 2013 I hope we can organise a London meet.

Edited by determindator

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so...... is there a meet or not a meet.... that is the question.


My fight so far:

 

hunni2006 V Halifax Bank: Charges £963.11 refunded nov 2006:D

Cabot financial V hunni2006: defending court summons, ongoing... July 09 :-x:-x:-x don't even get me started about them....grrr still battling

 

hunni2006 V Capital One: SA request & CCA issued, ongoing.. July 09 OC 'checking the archives...' Sept 09, no agreement, files closed!:D

<<<<<<<<<<<<<<<<<<<<<<<<<<<<<< please feel free to tip my scales if I've been helpful!

:DLearning more, every day.....

 

I have No legal training, any opinions and advice posted are entirely my own opinion, and based on life experiences and knowledge gained on this great site. Ultimately, what you do is up to you.

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Nobody said WHICH xmas. :razz:


 

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The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I based MY reply on the date above mine 11-12-2012 and seeing that I have to log in every time on here I must have missed the post or just lost interest in this site for a while

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so it's xmas 2013 lol

 

if nothing is organised within the next few days then it will hopefully be in 2014....

btw - seasons greetings :)


If I've given you advice, then it is just my thoughts / opinions - doesn't mean I am right!

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Well i'm here to see if it's poss to have a Christmas get together. Hope we can can up with an idea.

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Well i'm here to see if it's poss to have a Christmas get together. Hope we can can up with an idea.

 

Is this a government ploy to get the Brexit 52% to change there minds ?, Lol. :-)

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Is this a government ploy to get the Brexit 52% to change there minds ?, Lol. :-)

 

:lol: It would be nice if I can get them to make up their minds:-D

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