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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
123fat

Nationwide Partnership mortgage

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Please is there anyone out there that has taken the NHS partnership mortgage with Nationwide.

Who has either taken them to court and won or lost their case. Would be great to connect with someone who has been dealing with them regarding the equity share as we are at the moment .

 

thanks

123fat

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Hello and welcome to CAG.

 

Could you tell us more about what has happened to you please? That should help us to advise.

 

My best, HB


Illegitimi non carborundum

 

 

 

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Please is there anyone out there that has taken the NHS partnership mortgage with Nationwide.

Who has either taken them to court and won or lost their case. Would be great to connect with someone who has been dealing with them regarding the equity share as we are at the moment .

 

thanks

123fat

 

Hi 123fat,

I am in the middle of trying to get Nationwide off my back and get my house from them. I have paid the mortgage, but they are looking for a % of the equity of my house. I too have a partnership mortgage or in my eyes had. I still believe once the mortgage had been paid the partnership should cease. Is this the same with you? Where are you up with them. I would be happy to try and get in touch with as many as possible and look at taking a collective case against them. My mortgage ended in Aug 2014, I had it attached with an endowment policy which did not cover the mortgage, I had a shortfall of 30thousand. Nationwide threatened to take me to court for non payment of the mortgage. I had a double wammy. I had to borrow the shortfall of the endowment and paid it to Nationwide. Then within days they were looking for the % of the equity- 45.5%. I have tried Ombudsman, waste of time and effort.

Do get back to me.

Bonnie Mac

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Hello! I`m in a similar situation. Retired Nurse and have lived in a small attic flat for 30 years. The Mortgage term has ended but Nationwide demand 136.5 when sold so feel I`m trapped her for life. Was it misselling or legal?

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I would love to take them to court but don`t have the financial means to do so. We were conned into a trap which has only benefited Nationwide.

I feel doomed to stay here forever as I can`t see a way out. May be live in a caravan.

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Hi Kanga65,

Just got your posting today, I posted my bit back in 2016 and am still trying to get rid of Nationwide! Am happy to ring you if want and I can fill you in on "my story".

 

However I do know you may not want to put a number out, so in a nut shell, I had to get both barrister and solicitor on the case and it seems Nationwide have us stitched up!

The recommendation I got was not to go to court. I am now trying to negotiate and am at the early stages. I am not sure what to advise you to do, am happy to give you my contact of legal eagles so you can chat with them.

Bonnie Mac

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no off thread comms please

read our rules!!


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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sorry for off thread comm!

Bonnie Mac

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Hi Kanga65,

Just got your posting today, I posted my bit back in 2016 and am still trying to get rid of Nationwide! Am happy to ring you if want and I can fill you in on "my story".

 

However I do know you may not want to put a number out, so in a nut shell, I had to get both barrister and solicitor on the case and it seems Nationwide have us stitched up!

The recommendation I got was not to go to court. I am now trying to negotiate and am at the early stages. I am not sure what to advise you to do, am happy to give you my contact of legal eagles so you can chat with them.

Bonnie Mac

Thank you very much. I think the lawyers are probably expensive. It`s a pity the Press doesn`t expose them. It`s not the best way to spend retirement trapped in my flat after spine op and joint replacements.

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Hi Kanga65,

Totally agree. The only thing is if you go with the ones I have been using, they will already be "in the loop" and do not need hours getting their heads around it. They may also be able to help with negotiating. Remember, they still have a hold on your property, well they do on mine. Take care.

Bonnie Mac

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Thank you! Yes please send me their details so maybe I could call them. I`m desperate to get out but fear I`ll end up homeless.

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please read our rules gentlemen...


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Hi Kanga65,

I have just emailed my solicitor to see if it is ok with him to put his Firms name on this site, lots of things I am not sure about posting here! so do not want to get anyone into trouble. There is not doubt the legal advice is expensive, but look if he agrees, he will already have the gist of mine and I suspect strongly it is very similar to yours. If he agrees, and to be honest I do not see why not... two cases are better than one. However we will obviously be at different stages so let's just see. I will keep an eye on the blogs.

Take care

Bonnie Mac

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Please do not post the name of your Solicitor here on the open forum...you can PM it to any of the Site Team.

 

Regards

 

Andy


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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Hi Andy,

thank for reply.

 

What does "PM it to the site team mean"? and how do i do this?

 

Is it possible for site team to give me phone number of Kanga65 if she wants too??

 

Or can I put a phone number up here for Kang65 to ring me???

 

I know too many questions........!

 

Bonnie Mac

Edited by dx100uk
Spacing

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Click our username on the left

 

No we cant exchange private numbers

And no you can't post it here


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Click our username on the left

 

No we cant exchange private numbers

And no you can't post it here


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Hi Kanga65,

I an not sure how we go about me / you contacting it seems I can not put up a contact number! I am not sure if you have a public phone near you? I know all in my area are gone, I thought that might work ? If you have any ideas or suggestions let me know

Bonnie Mac

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as said thru the siteteam we are willing to forward your solicitors details simple click our username on the left


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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you should have something called a supplementary agreement with this mortgage and terms and conditions are on this .

Do either of you have it?

Im trying to find mine ...

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