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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
obvious

Cabot/Mortimer claimform - Sainsburys credit card debt

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not due till Friday by 4pm

let andyorch check things over.

I've tidied the thread

as that got messy and we done need others to follow that route.

 

 

dx

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

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Defence checked and edited.

 

Regards

 

Andy

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Defence submitted online

 

Grateful doesn't cover it. Thank you

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I have received no further communication regarding this.

 

Does that mean they've given up? If so, please move to successes :-)

 

Thank you all

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nope just means its stayed.


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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I have received no further communication regarding this.

 

Does that mean they've given up? If so, please move to successes :-)

 

Thank you all

 

Only threads that are discontinued or struck out or tried and won are moved to the Success forum...we have 1000s of stayed claims here in the Financial Legal Forum

 

Andy


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Open

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I've had a document pack through the post re this old claim.

 

They have provided some of the info requested in 2017 but notably not a default notice. Just "default notice data"

 

I attach the covering letter + the "default notice data"

 

There are around 30 other pages, mostly statement data, not copy statements, just data print outs with statement info. Not sure if this is worth mentioning.

sainsburys fishing letter page one-min.jpg

sainsburys fishing letter page 2-min.jpg

sainsburys default notice data-min.jpg

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they have some nerve ....giving you 14 days to respond and yet they have waited nearly 2 years.That default summary from their own internal systems was recently dismissed on another thread as there could be no proven link to the OC or the service of a valid default notice pursuant to sect 87.1 CCA.

 

Andy

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So, no action on my part just yet?

Don't suppose you've got a link to the thread in question or relevant case details?

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I will see If I can find it but check any Cabot thread on the 1/2/pages here marked Dismissed.

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48 minutes ago, Andyorch said:

I will see If I can find it but check any Cabot thread on the 1/2/pages here marked Dismissed.

 

Sorry, I haven't succeeded in finding the dismissed cabot claim in legal successes. I do like your advanced search tool btw but it's not doing it for me. Garbage in, garbage out most likely.

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Not in the Legal Success Forum yet...it was in this forum...I only transfer them a few months later.

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use the google custom search top right not the one in the red banner nor advanced.


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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19 minutes ago, dx100uk said:

use the google custom search top right not the one in the red banner nor advanced.

 

I've been trawling through manually and searching on 87.1, Cabot, dismissed, default notice, default summary etc and various combinations.

 

No luck at all and I'm normally OK at this stuff.

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I don't know whether to act on the letter?

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On the basis of what you have uploaded which they have provided after 2 years...some cobbled together screen shot from god knows whos accounting system...do you really feel a need to reply ? If they are confident that represents proof of service of default notice then let them proceed and lift the stay.

 

Andy

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I received this letter dated 02/05/19

 

Same question as usual. Should I respond? Thanks!

5cd1b6ffb891215572477430190507_174214.jpg

 

It's the "apply for summary judgement" part that caught my attention.

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ignore

begging letter

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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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Did they provide the agreement as per post # 64?

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17 minutes ago, Andyorch said:

Did they provide the agreement as per post # 64?

They have provided a signed credit agreement. Not sure how that links to post # 64

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The letter you uploaded in post #64 states what they have disclosed.Where is the agreement have you uploaded it ?


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49 minutes ago, Andyorch said:

The letter you uploaded in post #64 states what they have disclosed.Where is the agreement have you uploaded it ?

 

Sorry Andyorch I'm browsing on mobile and post #64 is different. This is what I see. I'll upload the agreement as PDF shortly...

Screenshot_20190508-115223_Brave~2.png

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Posted (edited)

Attached agreement. They only included one page of the actual agreement. The rest seems to be a stock copy.

 

Edit: pdf upload failed. Only 2MB. Trying again

Edit 2: It's giving me error -200 so I'm uploading to google drive. Hope this is ok.

 

Agreement link:- https://drive.google.com/open?id=1djx3qpQ629xE8I8UG5LD0SZJRko-RCV9

Edited by obvious
upload problem

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Well page 3 is there were they requested you sign and return......this is a pre April 2007 agreement and the prescribed terms appear to be present so would hasten to add that a court may accept that as a valid agreement.

 

That leaves you with only the lack of DN so should you wish to ignore and proceed you do so at the risk of getting a judge who is a stickler for section 87(1) and may possibly dismiss the claim on those grounds.

 

Should they follow their threat through and make application to lift and strike out /summary judgment be aware that you will cover the further costs which will be added to the claimed amount......so in effect it may be prudent to consider their last letter and try to thrash out some agreement that avoids proceeding and further costs.

 

Something for you to consider....as Cabot/Mortimer normally do follow through their threat.

 

Andy

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We could do with some help from you.

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