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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
gerrylep

RBS Additions packages mis sold.

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Hey there,

 

 

i had this account sold to me 4 years ago.

I hadn't opened a bank account in the UK for some years.

I was not presented with a possibility of a free account at any time in the meeting.

 

 

I have never once used any of the packages or so called perks.

 

 

I complained to RBS they through it out, stating, "having previously lived in the UK i should have known that free accounts were possible to attain".

I didn't.

 

 

I then moved onto the Ombudsman, who have sided with the bank.

 

 

How can I take this further, it is simply not fair!

 

Any advice appreciated.

Thx

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There has been a lot of mis-selling of packaged accounts.

 

The main basis for reclaiming refunds on these account fees is that the package was sold on the basis of elements which were not suitable or not applicable.

 

An example of this might be household contents insurance when you are already insured for telephone insurance when you don't have a telephone et cetera.

 

I think that you need to let us know what the features of the RBS package were and then we can see if there is any way of moving you forward.

 

RBS are a nasty and dishonest bank and of course they have made a lot of money from packaged accounts – just like the others.

 

What exactly has the ombudsman said?


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The Ombusman via a phone call, basically just upheld the decision. Looked at the 'facts', which were actually opinions. I got a bit upset with him, because essentially he is siding with the bank, which therefore means I am telling lies. It's outrageous. They are sending written confirmation, when it arrives, I will post it. Can't recall the exact details of the package I was being offered. Bottom line is that I wasn't offered an alternative, and took this because i believed it to be the cheapest per month. I was naive, but I 100% was not informed of a free account.

thx for getting back so promptly.

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Then start off by sending an SAR to RBS and get all of the details.

You can't possibly complain about it if you don't know what you are complaining about. It is not surprising that the FOS is supporting RBS. It sounds as if you didn't present your complaint very effectively


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Would you mind if I posted a copy of the exact letter of complaint? You may be right, but i honestly believe the Ombudsman is trying to shift a backlog, and is not investigating thoroughly. Appreciate you responding.

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Hi there, i received the letter from the Ombudsman, would you mind if i uploaded it for your perusal. It is filled with so many suppositions, inaccuracies, and just factually incorrect statements. I really would like to appeal this. Just wondered if you had the time? Thanks.

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Is the decision from an Ombudsman or an adjudicator?

 

If a first tier adjudicator you have the right to refuse to accept, present any further facts and ask for an ombudsman to review your complaint

 

Please post up your complaint and the FOS reply

 

Have you requested the SAR yet?


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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Is the decision from an Ombudsman or an adjudicator?

 

If a first tier adjudicator you have the right to refuse to accept, present any further facts and ask for an ombudsman to review your complaint

 

Please post up your complaint and the FOS reply

 

Have you requested the SAR yet?

Hi there, not sure what the SAR would achieve. The basic disagreement is that I wasn't offered an alternative (free from fees) account. I was in full knowledge of what they were selling me, they just didn't offer alternative, and i believed this is all they had on offer. Anyway I attach the letter sent from Ombudsman.

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[ATTACH=CONFIG]57961[/ATTACH][ATTACH=CONFIG]57962[/ATTACH]

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Too small to read, you need to convert it to PDF

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Too small to read, you need to convert it to PDF
ah sorry, pdf attached.

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The SAR narrative would have been very useful, as to how you opened and used the acc

 

You need to put forward salient effective reasons why the insurances were of no suitability

 

or you were already covered etc

 

Then ask for complaint to be passed to an ombudsman


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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The SAR narrative would have been very useful, as to how you opened and used the acc

 

You need to put forward salient effective reasons why the insurances were of no suitability

 

or you were already covered etc

 

Then ask for complaint to be passed to an ombudsman

It's already gone through to the ombudsman, and the reply is attached above. My gripe is that a lot of what the Ombudsman has 'guessed' is simply not factual. Let me recheck the SAR, not sure you get another crack at this. My legitimate complaint is that i wasn't presented with a free account option, but it seems that I am not being believed on this one. thx

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your letter was from an ADJUDICATOR, so presumably then you have asked for your complaint to be reviewed by AN OMBUDSMAN


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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your letter was from an ADJUDICATOR, so presumably then you have asked for your complaint to be reviewed by AN OMBUDSMAN
Yep, as stated in my initial post.

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So you are saying since that letter was written you have already had the final written decision from an ombudsman?


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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So you are saying since that letter was written you have already had the final written decision from an ombudsman?
You've lost me mate...the letter i attached was from the ombudsman or ADJUDICATOR (no idea why you put that in full caps, but i'll join in). The question i was asking in my first post, being unhappy with with i regard is an unfair ruling, can i take it further? Thanks.

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The adjudicator is only the first tier, before June 2 you had the right to refer his decision, and give extra facts, to an Ombudsman

 

for review ( ombudsman then makes the final decision)


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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The adjudicator is only the first tier, before June 2 you had the right to refer his decision, and give extra facts, to an Ombudsman

 

for review ( ombudsman then makes the final decision)

I didn't have time to do it before June 2, plus i think the fact that I waited around 6 months to even get that, I should be allowed a bit more time to retort. But i guess, and perhaps I haven't asked this clearly enough: can anyone offer advice as to the substance to which my further complaint can be heard properly, because so far, it seems to me that I would just be going back with the same facts, and disputing some of the adjudicator's retorts, some of which are just inaccurate? Thanks.

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