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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
      • 0 replies
snehsingh

Fare Evasion matter in Tier 2 visa

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Hello

 

I am applying for Tier 2 visa in two days and just found out that I am supposed to mention in the application if I ever had any fare evasion case. Actually 2 years back i was convicted of train fare evasion and i pleaded NOT guilty and wrote back when I received summons from the court, after which I also went for a hearing and they asked me for proof whichI was unable to provide so I paid the penalty to get rid of the issue and not to carry on the case in that case i had to plead guilty and pay.

Now I am not sure if this is a criminal offence and should I mention this in my visa application form.

Please help me out if possible.

Thanks

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Hello

 

I am applying for Tier 2 visa in two days and just found out that I am supposed to mention in the application if I ever had any fare evasion case. Actually 2 years back i was convicted of train fare evasion and i pleaded NOT guilty and wrote back when I received summons from the court, after which I also went for a hearing and they asked me for proof whichI was unable to provide so I paid the penalty to get rid of the issue and not to carry on the case in that case i had to plead guilty and pay.

Now I am not sure if this is a criminal offence and should I mention this in my visa application form.

Please help me out if possible.

Thanks

 

If it went to a magistrates court 2 years ago, and you plead guilty or were found guilty, and you had to pay a fine : you need to declare it on a Tier 2 visa application.

 

https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/300833/T2_Combined_Form___Help_04-14.pdf

 

Page 49, sections F1 and F2.

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Thanks for the reply!!

Yes I went to the Hammersmith magistrates court and did pay a fine. I will mention it on my application but is this considered as a criminal offence.

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Thanks for the reply!!

Yes I went to the Hammersmith magistrates court and did pay a fine. I will mention it on my application but is this considered as a criminal offence.

 

What was the summons for?

Or, rather more importantly : what did you plead guilty to?

 

I can't see how it isn't a criminal offence, but the details would confirm it.

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Hi, I am applying for family settlement visa from Pakistan, In oct 2012, I had been caught by TFL inspector for wrongly used Oyster, I had plead guilty of this offence and paid fine in the court, I want to ask if I use this information in my visa application.

 

Thank you

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