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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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Noumidia

Noumidia Vs Capitalone

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Hi

I just finished a statement of evidence and the fees of £335 needed to be paid by 21 January 2019 and the hearing of the claim will take place on 18/02/2019 at Kingston-upon-thames county court. My question is:

1 ) The notice of allocation was sent by Croydon county court and the hearing is will be at Kingston-upon- thames county court. Do I write in my statement of evidence Croydon county court or Kingston-upon-thames county court?

2) Could I send the document to Others parties after paying the fees ?

 

Thanks for your assistance

Noumidia

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Kingston-upon-Thames...as thats were the hearing will be held.

 

" Could I send the document to Others parties after paying the fees ? "

 

Document ?


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Hi Andy

 

I mean the court bundles, do I send them to other parties in the same time when I paid for my fees ? or I still have 14 days before the hearing which is on 18/02/2019.

 

Noumidia

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You send your disclosure and statements as per the court directions dates stated within the Notice of Allocation.


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Hi

Could I pay the court hearing by phone or online? as I am working during the week I am unable to pay the fees over the counter.

 

Noumidia

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Most now take payment over the phone...give them a ring


We could do with some help from you.

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Thanks Andy, I will give them a ring tomorrow otherwise I will go to the court and pay over the counter.

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Hi

I just finished the court bundles and collecting all the evidence and need to be send to the court and a copy to the defendant . Here is the statement of evidence. Before I send it could anyone have a look at it if I missed something.

 

Noumidia

Statment of evidence ## Dummy.docx.pdf

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Hi

 

I have not received any bundle from the defendant as the court suggest the bundles should be exchanged 14 days before the hearing (18/02/2019). Does it meant, that the court will reject any evidence sent after the date of the bundles exchange,

 

Regards

Noumidia

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Inform your court hat the defendant has failed to comply with their directions...ask the court to impose sanctions.Check with the court if they have fled it with them.


We could do with some help from you.

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Hi Andy

 

Thanks Andy, I will phone tomorrow to find out. I sent my bundles to both parties and I tracked the delivery and was received on 01/02/2019. The only defense they have is dated (12/01/2018) which they send to defend the case after after I filed Poc against them last year.

 

Many Regards

Abdel

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Hi

Today, I phoned the court enquiries line to find out about if the defendant has sent his bundle, the court received an account statement yesterday but i have not received anything from them. however, I told to the court enquiries they missed the deadline and they failed to comply with their direction and I asked the court to impose some sanction against the defendant. I was advised to write directly to Croydon County court to inform them that they missed the deadlines to send their bundles.

Is there any template letter for informing the court that the defendant failed to comply with their direction?

 

Noumidia

Edited by Noumidia
Grammar

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no

 

what you have said is ok


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

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Just add the dates what and by when and Directions Order date....DJ name.....impose sanction pursuant to CPR 3.8

 

https://www.justice.gov.uk/courts/procedure-rules/civil/rules/part03#3.3

 

Andy


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Hi Andy

 

Do you mean by (....DJ name.....) the name of District judge and if yes , this mean the letter should be addressed to the judge.

 

Noumidia

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Yes the name of the judge in your case that issued the directions...not necessarily addressed to him the The County Court will suffice.


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Hi

 

My case was dismissed by the judge xxxxxx as the defendant argued that the claim was over 6 years and the judge made a decision on the basis that Limitations Act 1980 as per Kleinwort Benson v Lincoln City Council does not apply to my case as there were no mistake of law. I feel the judge was little lenient toward the defendant, first he accepted their statement on the day and the lawyer handed me a copy which I had no chance to go through it. So the judge overruled the Rule 3.4(2)© of the Civil Procedure Rules.

 

Noumidia

 

Noumidia

Edited by Andyorch
Judge name removed

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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

The second link does not work. I guess my case is over unless I find some new evidence relating limitation act 1980

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Links corrected


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

 

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Hi

 

Could I appeal against the decision, if yes from where do I start?

 

Noumidia

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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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