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Jes0rKah

My A&L story.. the beginning.

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This topic was closed on 2019-03-08.

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"A banker is a fellow who lends you his umbrella when the sun is shining, but wants it back the minute it begins to rain." -

Mark Twain

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    • Yes, It is more the apparent contradiction really. The legislation seems to say that she can still cancel but wil be billed for the two weeks or less she used the service.   Its twelve months, I usually like to look at these things before we purchase, however. I just noticed that £45 quids gone out of my account this morning, that will be the joining charge. £18 monthly after that. Not too bad I suppose.   We live half way up a one in six hill for goodness sake, how much exercise does the woman need?  Just leave the car in the drive I say. Won't listen     
    • I figured they would be same company by googling them. Man, such dirty tactics these people use... Thank you DX! 
    • not a letter of claim safe to file   its actually from ZZPS too anyway claiming to be QDR
    • Well I think that one could reasonably infer that if, in the professional opinion of the doctor, a child is not fit for school and may present a risk of contagion, it can be reasonably inferred that the child is not fit to vacation for the same reasons.  There may be an additional cost to secure a second doctor's letter, so I would proceed with a copy of the letter to the school in the first instance.  It would be perverse, frankly, to suggest that a doctor's letter confirming a suspected prognosis of a contagious pox is somehow insufficient for the purpose of honouring the claim.  So I would just send that off - in the event that the insurers are difficult, then Snowdragon's daughter should be able to secure a further bespoke letter. 
    • Because travel insurers will always require a statement of professional opinion from the doctor about whether the child was fit to travel. The letter for school is unlikely to mention fitness to travel to go on holiday. I can see that OP won't be able to get the necessary doctor's letter herself for her grandchildren, but surely she can ask her daughter to get it? I recommend though that OP checks with insurer whether they need GP to sign a specific form. Often insurers have their own medical certificate they want signed. Better to check that before approaching GP for another letter.
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    • 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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    • 30 Day Right To Reject - Vehicle Casualty Report. Read more at https://www.consumeractiongroup.co.uk/topic/415585-30-day-right-to-reject-vehicle-casualty-report/
      • 57 replies
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