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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
      • 0 replies
Salamence91

Update RE: Home Visit

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After many cancellations and a strongly worded letter from my GP and support worker instead of putting me in a group I've got a home visit on thursday and my anxiety and anger is flowing like mad! I don't know how to deal with this interigation in my own home. I have a feeling I'll be that scared of them I will rage as soon as I open the door to them

 

I really don't know how to cope with this on thursday. I've read so many horror stories all over the Internet and I'm frightened that I will be the next person to write the next horror story! I'm just so terrified. I can't face the interigation! What happens if they hit my last nerve and I snap? I can't cope with all this!

 

Please help me, give me advice. I'm generally so scared and so angry about all this!

 

I just wish I didn't have to deal with this crap. I've already got other worries on top of this rubbish

 

 

 

 

PS I have BPD, depression anxiety and other things to be diagnosed by psych

Edited by Salamence91

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Is there anyone who can be with you when this visit happens? I really would try not to rage as soon as they enter your home as they will fear for their safety and probably leave ....marking you down as failed assessment , yes dont try to be super calm, be yourself. Other than that good luck and I hope you get what is needed

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You must have someone with you if at all possible, ideally someone who can intervene if you start to boil over.

 

I had a home assessment from ATOS - again after many, many cancellations over 2 years - and they were absolutely fine, did the minimum amount they needed to and then left.


RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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I would argue that having someone else there to support you is vital as it demonstrates a level of anxiety that you have as well as being there to help you :)

 

 

http://www.disabilityrightsuk.org/about-us is a useful resource that has lots of facts sheets etc

 

You need to understand the descriptors that they measure by and make sure you honestly phrase your answers to match them.


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Please always do a worst case scenario when they assess you and ask questions otherwise they will use that against you.

 

It is criminal in this day and age i have to say that when dealing with the most vulnerable in society.

Everyone is treated as a work shy scrounger by default with these people

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Update: I had a doctors appointment the day before and saw how agitated I was so he wrote a letter of urgency for my CPN to send off to tell them having this assessment is not on due to my issues. So my Cpn came up to see me, she rang maximus and told them what's happened. And they told her to fax the stuff off and I won't Need an assessment after all.. All brilliant right?

 

Wrong. Here I am a month all and the idiots are claiming they haven't received anything. I've seen proof that Its been faxed. And they are denying they received it. I called them today saying I've seen the conformation and they are still denying it. I naturally lost it with them and the lady took my CPns number to ring her.

 

So now im confused. Im angry and stressed out. I don't know what's going on and don't know what to do. Do I complain about there incompetence or just give it up? Its all seems a lost battle to me. I just can't cope with the lies and the denial. I don't know if them ringing my CPN is gonna make a difference... If they really have?

 

Anyway any advice?

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Hey guys, I posted in september saying how I had an home visit! my GP, CPN and Psych all stalled them and allowed me time to think about it all! and the other week i got a letter saying I needed one on the 27th November. I thought I would be brave and face it. They had enough evidence sent so i guessed it would be just if anything to clarify it all.

 

I actually had probably one of the most genuine GPs come to visit me [yeah i know... its hard to beileve]. I had a major attack of paranoia and rage as soon as he stepped in the door. Anyway he asked me how the mental health conditions affect me so I told him straight.

 

Then he ended the assessment quite quickly and said "You are not fit for work I'm gonna send this to the DWP" my cousin asked "So you got an indication of what group she will be in?" and he said "Oh thats the DMs choice"

 

So yeah as you can guess, i can't help but feel he's calling my bluff! I've asked all my support team what they think and they told me that he wouldn't play games with me [again hard to believe] but he wouldn't of said that if he did think i was. but i just generally feel that I can't relax till i get this result. My minds like "What if he's called your bluff?" "what if he's just having you on?"

but everybody has said that its pretty much in the bag. But to be honest i just don't know what to believe.

 

I just want this misery and anxiety out of the way. I just want to know what group I'm in. Im literally not sleeping at night because i am so bloody anxious. My paranoia is also sky high thinking that he's tricked me.

 

So yeah, what do you guys think?

 

Should I get myself ready for the biggest fall of my life and ready to fight for the appeal or do you think its in the bag?

 

Thanks so much and thanks so much for the advice in my other thread! i actually went back to read that all again before my home visit :p

 

Salamence91

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It might of helped other readers if you had added this to your other thread for history. Now we have to go looking for it and then flit between two threads...


If I have been of any help, please click on my star and leave a note to let me know, thank you.

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They are right - it's not up to the person doing the assessment which group you're in.

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so the GP is from ATOS doing the 16 point scoring ? in that case its in the bag

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I've merged your threads, Salamence.

 

HB


Illegitimi non carborundum

 

 

 

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If the assessment is ended very quickly, i.e. without going through every descriptor, it's usually a good indication that you meet at least one support group criteria.


RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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If the assessment is ended very quickly, i.e. without going through every descriptor, it's usually a good indication that you meet at least one support group criteria.

 

He just asked me how my mental health affected me, so i told him straight, intact he saw for himself how it affects me. I didn't hold anything back, then I told him how when i was last employed [2012], I told him i got fired for raging at a colleague! and then that seemed to be enough for him and told me i wasn't fit for work.

 

My cousin did ask what group he thought id be in, he said he couldn't say but the DM will deffo put me in a group.

 

so I'm just sat waiting anxiously wondering which group I'm in, if I am in any! all these thoughts in my head. ugh!

 

But yeah thanks for the messages guys, oh and thanks for merging the topic, i was in auto pilot so just made a new topic

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