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    • Can't help with your existing problem re penalties - sorry.   To stop this happening again you need to ask your GP always to do two prescriptions for you - one for the exempt medication and a second one for the other.  Make sure they understand why you need to have it done this way.  (And check they've done it when you collect the prescription).
    • The SB part was for 2012 -2013 and has been removed the bill came down from £1300 ish to £969.   However checking the dates on the the claim form and the details from SW I've realized they use sum from 2013-2015 and state that is only for 2014-2015 it's second time UK search/Shulman's make this mistake. Is it the one you talking about?   I will type in full wording of particulars later on. I don't have copy of it with me, I didn't want to make it too long as it all standard.
    • Hi all,   First time I'm doing this post and first time this has ever happened. I have been sent speeding fines before and I have always sent details and either been to speed awareness courses or had points and paid fine. In this instance, I have supposedly been sent a letter to provide driver information for speeding fine, and then again another letter to say not received anything and to provide again this was all apparently in 2018.   I then received a letter this week (which I actually got) saying I need to pay £800 and have 6 points to add on my licence for failing to provide info and failing to come to court date.   I never received anything prior this the last letter which I received this week.   I have been told to make a statutory declaration, in which they said you need to attend court date and say that you never knew of the letter beforehand, which I said yes and then they said if found to be guilty u could face prison sentence and more fines. I was ok with this as I know I haven't received any letters like this prior (until the final one this week)   After reading reviews its quite concerning as some people have mentioned that the court basically look at your case and even though you may not received the letter, its more of a he said, she said scenario, which as mentioned is concerning as if I haven't received any letters prior how could I have given my driver information and that court could basically say, the letters were sent out and that your lieing.   But as mentioned before I have had speeding fines in past and have always sent off information, if I did make an offence   Is anyone able to give me any advice?
    • Reported the issue within days but the dealer flatly refused to speak to me and pretended to be abroad. There is no way he was going to take the car back. The finance company were behind me initially but then suddenly changed tack when they investigated the dealership more closely. The law states that my contact is with the finance company who provided the finance and who paid the dealer at the onset of the agreement. They are jointly liable for any breach in the law but this is academic as a number of prosecutions against the dealer have just resulted in a change of director (just another loophole that is exploited to avoid paying up)   Finance Companies fall under the Financial Services Authority umbrella and it was their Ombudsman who oversaw this complaint.  
    • nope. what are you trying to do? if its to do with your PAP letter thread you don't need to worry about reclaim just proof the bal is all charges/int   dx    
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    • My personal experiences of Future Comms 
      Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!
      • 0 replies
    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
        • Like
      • 4 replies
    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 5 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
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They are shifting their business to a new company or at least a new name therefore notifying you of the assignment. So what?


No cause for concern. As these outfits now face intense scrutiny you can be confident they will not be in a hurry to perform any underhand tricks.


They're struggling to survive since they've had most of their thunder taken away. In fact, they're falling like flies.


Do not delete the notice of assignment as long as your account is still open. It is an important legal document.

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With the fis escalate it to the ombudsman. The adjudicators have some pretty weird decisions at times.

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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Got a letter of the FOS today about my case. They have managed to side with payday express and said I need to pay what payday express offered me in there last letter. Which was £496.00.


Now I'm on benefits, so how would I sent up a repayment plan?




In a previous posting you say you are with a DMC? if you don't have a DMP? it's a £1 until your circumstances improve and you may even qualify for a debt relief order.. not wanting to give you ideas but if needs must


Don't get down, will you. Take the offer to reduce your balance and thank you for sharing honestly, it will help not get others hopes up in plain greediness, that costs someone else their job.

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So should I tell the FOS i'll pay them £1 a month why i'm on benefits? And do I need to send a letter to payday or will the FOS sort it out? Also how would I get a debt relief order?




We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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