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    • When you say "do it right" could you elaborate on what you mean? Is this regarding the letter to tfl to settle out of court? 
    • Best Post,  You don't want to email anything as it gives them another way to harass or send stuff at last minute 2002 they need an original agreement with the original T & C's.  Sure other Caggers will be along soon also with advice.
    • Thanks for the help!  I am planning on writing up a letter to send to tfl to try and settle out of court (as it seems to be the only way to avoid getting a record) Should I send an email or letter to them and if so is there a specific address I should send to?    I am worried I send the letter to a wrong department and it doesn't get considered/read at all.    Thanks  
    • Hi Francis, sorry Ive only just seen this but Ill tell you what has happened to date. As Ive already said, my son began paying £120 a month to them with very little understanding of what they were supposed to be doing other than some vague promise of having some of his debts written off in the near future. At that time there were also vague promises of some sort of DMP being set up after 12 months of him paying this money but nothing was ever put into writing - it was always promises by phone calls. He had 9 separate creditors amounting to around £9000. After 5 months only 4 of the creditors were willing to deal with 3 Lions, the others wouldn't recognise them as a debt management firm and were constantly calling him and sending the usual threatening letters. Once we got to the bottom of it, it turned out that the £120 a month for the first 12 months was just a fee they charged to look into his contracts and see if they could be voided in some way. But after that 12 months had passed, they were not very forthcoming on whether a DMP or other form of debt management plan would be put into place. It didn't fill me with much confidence. All they ever told him when he rang was not to worry, they were sorting it! Luckily, in their original contract (then), the option to cancel at any time was available which I also thought a little strange coming from a team of barristers. We cancelled the contract but by this time some of his creditors were threatening court action so we got in touch with Stepchange. They were pretty good and acted swiftly. All his creditors had to accept them, the letters and threats finally stopped. Although he was only around £9000 in debt, he was paying just over £1100 each month out. Stepchange reduced it to £247 a month. Lesson learned!
    • From what I've read, it isn't unusual to ask for proof of ID, but I can see you need more information from them about confirming that.   Is it possible to ask them how to prove your ID?   HB    
  • Our picks

    • 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
legalistic

Law and Debt on LBC Radio

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LBC Radio's phone-ins are usually very good on law and money. They have experts who appear regularly. It's always presented by Clive Bull on Mon to Thur evenings at 9.00 pm.Mondays it's the Money Hour. Tonight Mike Thomas of Debt Wizard deals with debt problems. He's an ex-cop, not a lawyer, but is very knowledgeable.http://www.debtwizard.com/Wed evenings it's the Legal Hour with barrister Daniel Barnet who is pretty impressive.LBC (Leading Britain's Conversation) is nationwide and easily available online etc.

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LBC Radio's phone-ins are usually very good on law and money. They have experts who appear regularly. It's always presented by Clive Bull on Mon to Thur evenings at 9.00 pm.Mondays it's the Money Hour. Tonight Mike Thomas of Debt Wizard deals with debt problems. He's an ex-cop, not a lawyer, but is very knowledgeable.http://www.debtwizard.com/Wed evenings it's the Legal Hour with barrister Daniel Barnet who is pretty impressive.LBC (Leading Britain's Conversation) is nationwide and easily available online etc.

 

Mike Thomas "Here's the 'In debt? Don't know where to start?' guide EddieNestorMBE and I spoke about on BBCRadioLondon. It includes where to get free debt advice, who pays the fees, your consumer rights, what to say to debt collectors &, take control "

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