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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
flyboy80

Flyboy V RBOS Charges **WON**

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Hi Guys, what can I say.... came across this site via another well informed site (TMF) and I must say this is a Godsend.

 

 

I was at my witsend up until recently wandering whether it was all worth it,

was going to chuck in the towel and offer myself up to the Gods,

each month I work so hard, to keep above water,

only 2 days after payday to be totally depressed again.

Not good if you've got kids and everything else to provide for !!

 

This site has inspired me, a new lease of life and a sense of purpose.

 

Sorry if I sound mad, but from what I have read on the forums so far,

me and RBOS have a date, and this time it's them that's gonna get "served",

cause I intend to lay the "biggest" pipe on them for the last three years of hell, that I have been through!!! :-x

 

Aggresive it seems - but don't worry, I will be patient and measured as it will take time.

If I am successful you will see the biggest, fatest smile on my face for a long time.

 

I will keep you guys posted on my results.

 

Remember - make an impression - it does count !!!


01.08.06 - RBOS - S.A.R - (Subject Access Request) request

 

01.08.06 - Alliance @ Leicester Credit Card - S.A.R sent

03.09.06 - £495 owed - Alliance and Leicester sent cheque for £130 - Accepted as partial payment

03.09.06 Alliance & Leicester - LBA letter sent to recover remainder

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Well done. RBS have frequently made my life thoroughly miserable on occasions over the last 8 or 9 years. I just started the whole process as well and feel so much better for it.


Prelim letter sent to RBoS 8/8/06 letter passed to another department...and Tommy fob off arrived

LBA sent 29/8/06 £2646.64 claimed - no reply

Claim entered 26/09/06 £2716 + interest. Not acknowledged so Judgment requested 17/10/06

Judgment in default 28/10/06:lol:

Cheque finally arrived 24/11/06, ring Group Litigation on a daily basis - you know it makes sense...:D

GE Money prelims sent for ERCs and charges on 2 accounts 18/10/06

LBAs on 2 accounts sent 5/11/2006

 

2nd claim against RBoS in 10/11/06, with threat of compounded contractual interest, c'mon now, concentrate...

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Ok - took the bull by the horns and sent of today for my statements.

Paid £10 via postal order so they can't take me over limit in future because I used my cheque book, and charge me for the privilige!!! - I really wouldnt put it past them !!! - sent info to Customer Relations in Edinburgh recorded mail.

 

I really feel empowered !!!!!


01.08.06 - RBOS - S.A.R - (Subject Access Request) request

 

01.08.06 - Alliance @ Leicester Credit Card - S.A.R sent

03.09.06 - £495 owed - Alliance and Leicester sent cheque for £130 - Accepted as partial payment

03.09.06 Alliance & Leicester - LBA letter sent to recover remainder

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Well done, I just sent mine off yesterday too.

 

Keep us posted and good luck


01/08/06- Royal Bank of Scotland - S.A.R sent

24/08/06- Royal Bank of Scotland - Statements Received

31/08/06- Royal Bank of Scotland - 1st Request sent

13/09/06- Royal Bank of Scotland - LBA sent

23/09/06- Royal Bank of Scotland - Offer received £1544 (Thanks but no thanks)

02/10/06- Royal Bank of Scotland - *WON* Full settlement

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Hi Guys, Still have not got any statements, the expiry date of 40 days is Sept 9th. Do I just wait for this date and then issue LBA or do I write again. I have called them and chased them after 14 days. I was informed that it was being processed and that the 40 days started from when the CMS unit received my DPA. Another stalling tactic is supposed !!! - this give them a further 2 weeks, but they say that they have so many requests that they are unable to deal with mine any quicker.

 

Your thoughts would be appreciated.


01.08.06 - RBOS - S.A.R - (Subject Access Request) request

 

01.08.06 - Alliance @ Leicester Credit Card - S.A.R sent

03.09.06 - £495 owed - Alliance and Leicester sent cheque for £130 - Accepted as partial payment

03.09.06 Alliance & Leicester - LBA letter sent to recover remainder

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hmm, we both sent ours off on the same date, I received mine last week (from Scotland).

 

So you should get it pretty soon.

 

I think the best bet is to probably give them the 40 days, on the 40th day if you havn't received it give them a call, and also send them the Non Compliance letter (detailed below, taken from the Templates library).

 

They do send the statements second class post, so at that stage I would also insist that they are sent first class post to ensure you get them as soon as possible.

 

Non Compliance letter

 

Dear Sir/Madam

 

Account: xxxxxxxx

 

You have failed to comply with my Data Protection Act Subject Access Request dated (Insert Date).

 

If you do not comply within the next 7 days I shall seek a Court order obliging you to do so together with damages at the discretion of the Court and without any further notice.

 

 

Yours faithfully"


01/08/06- Royal Bank of Scotland - S.A.R sent

24/08/06- Royal Bank of Scotland - Statements Received

31/08/06- Royal Bank of Scotland - 1st Request sent

13/09/06- Royal Bank of Scotland - LBA sent

23/09/06- Royal Bank of Scotland - Offer received £1544 (Thanks but no thanks)

02/10/06- Royal Bank of Scotland - *WON* Full settlement

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Many thanks for that, I was begining to feel persecuted !!! - just have to stick with the timetable.


01.08.06 - RBOS - S.A.R - (Subject Access Request) request

 

01.08.06 - Alliance @ Leicester Credit Card - S.A.R sent

03.09.06 - £495 owed - Alliance and Leicester sent cheque for £130 - Accepted as partial payment

03.09.06 Alliance & Leicester - LBA letter sent to recover remainder

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Hi Guys,

 

Since I requested my S.A.R on 1st Aug - sent recorded of course, I still have not received any statements. I put in a call to Mr Mclean 14 days after, he referred me to someone else, I was then informed that they had my request and that the 40 days started from when they would get to it!!??!

 

Is this right ? - or should I stick to my timetable ? - reading other threads, RBOS tend to be quite quick in dealing with this request, nearly one one and nothing :-x

 

Anyone else getting delays? - what further steps should be taken ??

 

Your thoughts greatly appreciated.


01.08.06 - RBOS - S.A.R - (Subject Access Request) request

 

01.08.06 - Alliance @ Leicester Credit Card - S.A.R sent

03.09.06 - £495 owed - Alliance and Leicester sent cheque for £130 - Accepted as partial payment

03.09.06 Alliance & Leicester - LBA letter sent to recover remainder

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From what I've read its your timetable and not theirs.


PRELIM 18 Aug 06 - Business Account RBofS £735 - Reply recieved 12 Sept. Fob Off:mad:

LBA 1 Sept 06

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Cheers for that, I will stick to my 40 days... the more they wriggle, the tighter the rope becomes....


01.08.06 - RBOS - S.A.R - (Subject Access Request) request

 

01.08.06 - Alliance @ Leicester Credit Card - S.A.R sent

03.09.06 - £495 owed - Alliance and Leicester sent cheque for £130 - Accepted as partial payment

03.09.06 Alliance & Leicester - LBA letter sent to recover remainder

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Hi, guys - still no word from RBOS, can you believe this !!! - I think they are playing a waiting game. Anyone else experiencing long delays in getting statements etc??- I can't be the only one ??


01.08.06 - RBOS - S.A.R - (Subject Access Request) request

 

01.08.06 - Alliance @ Leicester Credit Card - S.A.R sent

03.09.06 - £495 owed - Alliance and Leicester sent cheque for £130 - Accepted as partial payment

03.09.06 Alliance & Leicester - LBA letter sent to recover remainder

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I sent my letter to Bank of Scotland on 16th June asking for my statements for the past years. On 30th I had telephone call, who said there was charge of £5 and could he take that from my account. I agred. When I came back from holiday on 15th August, no statements had been receieved. When I telephoned, they said there had been insufficient funds in my account to meet the £5 charge. I referred him to my account and he agreed that it had been paid and that I would receive my statements within the next five working days. They did arrive, but only for last two years, so I sent letter pointimg out that they had contravened legislation by not sending me my statements and extending beyound the 40 days. awaiting the next statements. So far for the last two years thye have made charges of £5292.51

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Well finally after constant chasing and empty promises.... still no statements, not even a letter to confirm that they had my request. 40 days are up and my LBA letter is going in the post !! - I think that I have been fair with them, so bring it on !!!!!!!


01.08.06 - RBOS - S.A.R - (Subject Access Request) request

 

01.08.06 - Alliance @ Leicester Credit Card - S.A.R sent

03.09.06 - £495 owed - Alliance and Leicester sent cheque for £130 - Accepted as partial payment

03.09.06 Alliance & Leicester - LBA letter sent to recover remainder

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Flyboy,

 

have you been dealing with your Branch? If not, then I would start rather rapidly. Most of us get more satisfaction going local rather than going National until just before the MCOL stage. Infact, the best address for your MCOL(assuming you're not in Scotland), is your own Branch. The majority of delays in other people's threads have been due to faffs at Head Office. Keep it local and it seems to get results quicker. Also I'm sure Tommy McLean is just batting people off cos he's fed up with everyone having a go!

 

Poor pet lamb!

 

BC:p


Big Col:p

RBS LBA 20/06/06. WON - 21/10/06

MBNA(1)-Start-20/06/06, Claim-£250, 15/8 - Winner!!

MBNA Virgin(2)-Start-20/06/06, Claim £100, 15/8 - Winner!!

BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06

Green On!

If the post/advice helps, pse click on the scales!! :cool:

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The Bank of Scotland have a rule in action in action in Scotland not to reply to letters. But hey I guess with a wee threat o action agin them they might respond.

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Flyboy, Your missing the "1st request for repayment" stage, not sure if that matters, but your jumping straight into the Letter Before Action.

 

As I say, I don't know if that matters, my 14 days are up on Thursday, so I'll be sending off the LBA on Thursday. Keep us posted on what happens so I can prepare myself :)


01/08/06- Royal Bank of Scotland - S.A.R sent

24/08/06- Royal Bank of Scotland - Statements Received

31/08/06- Royal Bank of Scotland - 1st Request sent

13/09/06- Royal Bank of Scotland - LBA sent

23/09/06- Royal Bank of Scotland - Offer received £1544 (Thanks but no thanks)

02/10/06- Royal Bank of Scotland - *WON* Full settlement

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Good spot sleepz,

 

follow the rule and go through the procedure. If you don't need the information then what's the point in asking for it? Flyboy80, you need to go through the Request for Payment (1st approach) first before diving straight in with the LBA.

 

BC:cool:


Big Col:p

RBS LBA 20/06/06. WON - 21/10/06

MBNA(1)-Start-20/06/06, Claim-£250, 15/8 - Winner!!

MBNA Virgin(2)-Start-20/06/06, Claim £100, 15/8 - Winner!!

BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06

Green On!

If the post/advice helps, pse click on the scales!! :cool:

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Nice one.... got a bit carried away so ...but I will redress, already sent the LBA but will send the Request for Payment tommorow, shouldn't make a difference, should it, can always send the LBA again !!!


01.08.06 - RBOS - S.A.R - (Subject Access Request) request

 

01.08.06 - Alliance @ Leicester Credit Card - S.A.R sent

03.09.06 - £495 owed - Alliance and Leicester sent cheque for £130 - Accepted as partial payment

03.09.06 Alliance & Leicester - LBA letter sent to recover remainder

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This may sound stupid, and I apologise if it has been asked before but, as I do not have any statements so far, what figure is put in the letter - prelim ? Do I base it on the last year that I can obtain online ??

 

Your thoughts appreciated.


01.08.06 - RBOS - S.A.R - (Subject Access Request) request

 

01.08.06 - Alliance @ Leicester Credit Card - S.A.R sent

03.09.06 - £495 owed - Alliance and Leicester sent cheque for £130 - Accepted as partial payment

03.09.06 Alliance & Leicester - LBA letter sent to recover remainder

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You should wait untill you get your statements.

It wouldn't be a good idea to claim back say £300 from last year, then in a couple of weeks, when you get your statements, up it to £3000 or whatever.

 

If I was you, i'd hold off, phone your bank and talk to them about it.

Have a copy of the Non-compliance document to hand, so you can quote from it if need be (ie, "Section 7 of the Data Protection Act 1998" etc).

 

Then also send a copy of the non compliance letter to the bank.

 

The letter can be found here :

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

 

I think 'be calm and patient' is the best advice at this stage, you don't want to rush into anything, or get angry and start threatening the bank, if you take it slow, calm and collected your less likely to make any mistakes. I know it's said all over the place but this isn't a "get rich quick scheme", bear in mind the bank will have a highly paid legal team working your request, follow the steps to the letter and they won't have anything to work on, if you start deviating from the course, ie sending an LBA without including what your claiming for, or asking for a refund without telling them what you want refunded ... their legal team will tear you apart and you'll be lucky to come out of it with anything. Sorry if that sounds patronising, were all in the same boat and we should all look out for each other.

  • Confused 1

01/08/06- Royal Bank of Scotland - S.A.R sent

24/08/06- Royal Bank of Scotland - Statements Received

31/08/06- Royal Bank of Scotland - 1st Request sent

13/09/06- Royal Bank of Scotland - LBA sent

23/09/06- Royal Bank of Scotland - Offer received £1544 (Thanks but no thanks)

02/10/06- Royal Bank of Scotland - *WON* Full settlement

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Well said Sleepz,

 

unless you have all of the information to hand you are going to go off half cocked. Just check yourself for a while and go through things systematically. Start with your statements, deal with your Branch in the first instance, you will probably end up dealing with the Assistant Manager, be pleasant cos she only works there!

 

Make sure you get your information in one sock and then go for the jugular. Don't send the Bank any more letters, you will just end up making yourself look silly and your case will lack comittment.

 

Keep your chin up!

 

BC:p


Big Col:p

RBS LBA 20/06/06. WON - 21/10/06

MBNA(1)-Start-20/06/06, Claim-£250, 15/8 - Winner!!

MBNA Virgin(2)-Start-20/06/06, Claim £100, 15/8 - Winner!!

BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06

Green On!

If the post/advice helps, pse click on the scales!! :cool:

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Cheers for the input, I will start again with my local bank, what about any monies already sent to Head office, do I just pay £10 again and claim this back later ?


01.08.06 - RBOS - S.A.R - (Subject Access Request) request

 

01.08.06 - Alliance @ Leicester Credit Card - S.A.R sent

03.09.06 - £495 owed - Alliance and Leicester sent cheque for £130 - Accepted as partial payment

03.09.06 Alliance & Leicester - LBA letter sent to recover remainder

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Hold on guys, unless I have confused the letters LBA, I have already sent to them template 3 which your link suggests !?! - this is the right one I should have sent - right ?


01.08.06 - RBOS - S.A.R - (Subject Access Request) request

 

01.08.06 - Alliance @ Leicester Credit Card - S.A.R sent

03.09.06 - £495 owed - Alliance and Leicester sent cheque for £130 - Accepted as partial payment

03.09.06 Alliance & Leicester - LBA letter sent to recover remainder

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But have you sent Template 1 and 2? What have you asked for. Tell us in simple words what you have done so far. As for your £10, was it a cheque, has it been cashed? If not, call your Branch and cancel it. Deal through your Branch and you should minimise any further problems

 

BC:p


Big Col:p

RBS LBA 20/06/06. WON - 21/10/06

MBNA(1)-Start-20/06/06, Claim-£250, 15/8 - Winner!!

MBNA Virgin(2)-Start-20/06/06, Claim £100, 15/8 - Winner!!

BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06

Green On!

If the post/advice helps, pse click on the scales!! :cool:

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flyboy,

I can see that the LBA you mention is not the LBA for claiming charges, its the one for non-compliance with the S.A.R - ( Subject Access Request). So as far as I can see, you've sent the S.A.R - ( Subject Access Request) and received nothing. Your 40 days is up so following that, you've sent the LBA that threatens court action if the information you requested is not received in the next 7 days. Is this correct? I think people are getting mixed up with what you've done as people usually refer to that as the 'S.A.R - ( Subject Access Request) non-compliance letter' and the LBA usually refers to the actual claiming of charges.

 

There are step by step instructions here:

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/20211-newcomer-then-please-feel.html

 

I don't profess to know everything there is to know about all this as I'm still in early stages myself, but I do know it's really important to stick to the proper order of things, stick to timetables etc.

 

See also this:

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/announcement-center-bankfodder-very-sick.html

 

As a few wise people told me, keep all the info you find that is relevant or useful on your pc. If you're not sure of anything, ask before you go ahead with it, otherwise like sleepz says 'their legal team will tear you apart and you'll be lucky to come out of it with anything'.

 

I hope you don't take this the wrong way, I'm not having a go, like I say I'm relatively new to this myself. But I do think its important that we all stick together and follow the 'rules' :)

 

PS. Last time I cancelled a cheque it cost £10, BC, so is it worth it?!!:rolleyes:


~

:p I'm a lover, not a fighter... well, most of the time :razz: ~

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