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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
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Anyone got advice how to deal with perfect home

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can you elaborate on what needs to be dealt with please?


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I can't afford the payments i have offered them 3.50 a week

they are refusing and are now staying it will go to next stages but are not saying

 

I got to wait for a letter

 

they're being really unreasonable from the start

and had people at my door three days after the first payment was missed

 

im not even living at my address no more but haven't told them

 

have been contacting them through email

 

what can the do next

 

the debt is about 800

 

Ice not them

 

I'm not handing back the goods

 

Can they find me of one moved also

 

I'm not sure I replied properly.

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How many agreements?

how much are the payments and do they include 5* cover or OSC and DLC?

When did you take the agreements out?

 

Do you have the items still and the original agreements?

 

Sorry for all the questions but in order to help we need as much info as possible


PLEASE HELP US TO KEEP THIS SITE RUNNING

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I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

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They're just under £10 a week

it has accidental an theft cover

it was taken out end of October

an yes I have the item

but don't live at the address they have for me

 

can they get the right to come n. My home an take it back if they find me

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no, they are not bailiffs and have NO RIGHT OF ENTRY without first obtaining a court order.

 

Put your offer in writing to them or via their e mail for customer relations, the address to write to is below.

 

cancel the waste of time and probably mis sold insurances, you dont need them

 

 

 

The Lodge, Coleshill Manor, Coleshill, BIRMINGHAM, B46 1DL

Edited by martin2006

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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I done this

but had the area manager on the phone refusing my offer

 

 

sent them numerous emails and proof of my change of circumstances

 

Can they find me at my new addresse

 

My creditors are temple finance

what is this addresse as I've got a different one for head office e

 

They also won't take off the tad as they say I don't have my own

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You should stay off the telephone - you need to make any offer in writing.

 

Whilst this will obviously give them access to your new address, they will be able to track you down via credit reference agencies, utility, electoral roll.


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Would a court let them take the goods even though I have offered them payments

 

They caught me off a mobile no

I asked them to email to confirm they are refusing my offer

il not giving them my new address

 

Aren't utilities protected against data protection?

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no, they are not bailiffs and have NO RIGHT OF ENTRY without first obtaining a court order.

 

Put your offer in writing to them or via their e mail for customer relations, the address to write to is below.

 

cancel the waste of time and probably mis sold insurances, you dont need them

 

 

Ignore martin, hes had too much to drink :p...

 

Perfect Homes Address

 

Head office

Temple Finance Ltd trading as PerfectHome

Coleshill Manor Office Campus

Coleshill

West Midlands

B46 1DL

 

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My apologies vi2016, i have amended the address given in post #7

 

Some utilities will report to credit reference agencies so yes in that respect, they can trace you via utilities.

 

They cannot repossess anything without a court order and they dont do that anyway from previous experience with them.


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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I sent a letter to this address recorded delivery am the store contacted me saying they passed it back to them

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Ignore martin, hes had too much to drink :p...

 

HIC :oops:


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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I sent a letter to this address recorded delivery am the store contacted me saying they passed it back to them

 

If its passed back to head office, wait for their reply now, unless you cant receive a reply since youve moved.

 

IMHO i wouldnt try to hide from them, it wont help further down the road


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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A Friend of mine had nearly three grand of debt with them told them they weren't getting it an they never contacted her again

 

I've genuinely had a change of circumstances and have tried to come to a arrangement t

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I sent a letter to this address recorded delivery am the store contacted me saying they passed it back to them

 

Please make sure that you dont keep posting over and over again... try to keep stuff to one post, it gets difficult to follow and tidy up the thread :)

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A Friend of mine had nearly three grand of debt with them told them they weren't getting it an they never contacted her again

 

that doesnt mean for one minute they will just walk away from your account, nor should you think they will


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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That's why I'm trying to arrange a payment plan with them

but they are refusing and saying if I don't hand back the goods it will go to the next stage ,

do u no what this is ??

 

I don't want it to go on my credit history either

 

They're saying the least they will accept is five an I've offered them 3.50 a week

 

 

surely this is better than ignoring them an letting them go to next stages

 

 

they haven't visited as I complained and they said I have removed their rights now

 

 

I've fully corresponded with them in emails to try an resolve this

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paying a reduced amount, whether its 3.50 or 5.00 will impact on your credit file as it will be reported that you paying less than the contracted amount.

 

Firstly ask them to remove the unnecessary insurances, this will bring the weekly amount down, do you know how much the item would be without the insurances added on?


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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I've already asked them to remove this in writing

they said unless I can prove I have my own insurance they can't take it off

 

 

it would be about 8 a week with out the insurance

 

 

do you no what the next step is after ive refused to hand back the goods

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I've already asked them to remove this in writing they said unless I can prove I have my own insurance they can't take it off it would be about 8 a week with out the insurance do you no what the next step is after ive refused to hand back the goods

Read the document.... Thats the rules on arrears reporting etc

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They will no doubt mark your CRA with late or reduced payment markers, which, when this amounts to 3 months of arrears, could then result in the issue of a default notice, that will be sent to your last known address as held on PH system so if you havent Told them you've moved, you wont know about it.

If the defaulted payments are not brought up to date, they can register a default against you which will remain on your file for 6yrs, regardless of where you are living.

 

All the above info is written in the pages posted above by fkofilee


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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Yes I read this so apart from it leaving bad credit which looks like it's out of my hands ,

so after I've refused to hand back the goods what's the next step

 

 

I've been told that after 12 weeks it will go to a debt collection agencies

 

 

do we no what's the next steps from them now

 

 

I'm hoping they will contact me via email as requested as I'm no longer st the addresse they hold for me

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What is the reason you are refusing to simply hand the item back, that would relieve you of the commitment and not have the impact on your credit file?

 

What is the item?


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 599 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

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