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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.
      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.

      Do you have a mortage arears claim to make? Then post your story on the forum here
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      • 0 replies

Money from account with getting loan !!!!

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* Money from account WITHOUT getting loan *





A couple of days ago I was in a very desperate situation. I am a student and also work part time but found myself in a very serious financial situation recently where I had no money for food. There was no option for me to borrow money from family and friends as I already owed them money so because I work also, I decided to borrow a loan from a payday loan company.


I came across Cash Genie and applied through their website for £100. I filled in all my details, name, address, work details and ... bank details !


After submitting the application I was informed by Cash Genie that I my application was successful and I could borrow £100 but before my loan could be issued I'd need to send them a copy of my passport, bank statement and letter with address on it.


After much thought and consideration, I knew that really it wasn't the most sensible idea to take a payday loan and therefore I did not submit any documents to Cash Genie and decided not to go any further with them.


Meaning = I have received not one single penny in loan from Cash Genie. NO LOAN WAS GIVEN


I thought that would be the end of it but I have just checked my bank account and have noticed that on 7 different occasions, Cash Genie (under the name ARISTE/ IPSWICH GB) has taken out £0.10 totaling to 70p. Can someone please explain to me why Cash Genie is taking money from my account when I have received no loan from them??? Is it legal? I always try to read the small print in contracts but I did not find anything that said they could take money from me if I haven't actually received any money from them.


I know it is not a lot of money they have taken from me, but I am still enraged as much as I would be if it was £700!! I am also very very scared that now they know when my next paydate is, they will clear my account and leave me with no money.


Someone please help, offer some advice.


oh! and yes I have tried contacting Cash Genie countless time by email. At present I don't have any money to call them but I'll be visiting my parents home at the weekend and if the situation hasn't stopped then I'll be calling them non stop.



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Probably test amounts to see if the account is legit. Get on to your bank and get the transactions blocked. Get it confirmed in writing from your bank that they have fully blocked the transactions. Dont let them tell you that theyll add a note and it can be refunded. You can get the transactions completely blocked. You may also want to read up on CPA's and how PDL's use them.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..



If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks


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