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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
Simon1959

been paying Gregory Pennington 12yrs now

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I am asking this for my partner having read numerous posts on the subject

i would just like a bit of advice on the direction she should take

 

She has been with Gregory for about 12 years as far as she can remember,

she has paid off most of her debts and is not looking to dodge any debts she still has to pay off

 

Last week she received a call for her annual review she currently pays £35 per week and has never missed a payment

 

During the annual review (which i told her she was not obligated to do )

she told them that her financial circumstances had not changed

they interrogated her and came to the conclusion that they could no longer help her as she couldn't afford the payments that she had been making

 

This was mainly because she refused to include both my income and her adult sons income into the equation as none of the debts are anything to do with us

the position she is in now is that she has four debts totalling £2300 which i can pay off in full

 

The highest being about £900 the lowest £150

at present i cant be more accurate a

s i have not got the information to hand

i think that the money is owed to

Next,Santander and a DCA i cant remember the other one

 

What i need advice on is should she

 

A Contact Gregory pennington and ask for account numbers and contact details

B Wait for the companies that she owes the debts to contact her

 

If she takes option B will this affect her credit file as nothing is showing on it at present

 

Im hoping that if we deal with the creditors direct that i can secure a discount having never done this before what sort of discount should i ask for

Thanks in advance

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oh god 12yrs with greedy pennys

whereby most her money went on paying their fees

 

I bet 90% of her debts weren't even owed or were unenforceable anyway

as the greedy pennys never ever do any checks

just blindly recommend paying as they get a cut of her payments going out too back from each creditor.

 

just stop paying them

send GP an sar to get all the details.

 

the debts cant comeback on her credit file

as they would have been defaulted years ago and already been removed.

 

oh and when you do get the info

don't go blindly paying anyone

come back here


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this is the information she has received from greg pennington

 

National collections office £36 per month balance £940

Debt managers (scotland) £6 per month balance £174 (Next LTD)

National collections office £9 per month balance £255

Cabot Fianancial services £18 per month balance £532 (MBNA Credit card)

Santander UK £23 per month balance £558

 

I wrote earlier that she has paid off these debts for many years at £140 pm

which means that gp were taking £48 for passing the money on

but they served a purpose

 

we all know that people react differently to money issues so what has happened in the past regarding gp has happened

 

What we need to know is the best way forward

 

Cabot (suprise suprise) and Debt managers Scotland are the first out of the woodwork a letter was received yesterday ,

from there actions i would assume these are the two dodgy ones as they have already started the ball rolling to try to extract money from her

 

Just in case they start threatening stuff

can any of the debts have interest added by the current holders of the debt as all interest and charges were frozen at the outset

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sent them each a CCA request. [cabot, debt managers]

 

who the beep are National collections office ?

and what are the debt types


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National collections office == Shop Direct No doubt


:mad2::-x:jaw::sad:

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Silly me

Its NCO

A powerless DCA

 

Can we have the debt types and original creditors please


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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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Sorry for the delay my previous post are about all the details we have I am trying to deal with them as the letters arrive so far only Cabot and national collections have contacted her

 

Cabot were sent a CCA request they have sent the postal order back and said they will endeavour to locate the information required but it may take more than 12 days they also

 

offered a discount on the outstanding amount of approximately £100

they also want her to ring and discuss with her where the funds are coming from and that priority bills are up to date if she was able to accept the offer

 

My thoughts are that they just want to obtain a phone contact so that they can apply pressure on her

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you NEVER EVER RING A FLEECING DCA OR THEIR DOGS.

 

no CCA = NO pay

and even then who says its enforceable!!

 

Can we have the debt types and original creditors please


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Ok im dealing with them as they come in the Cabot one is a credit card MBNA

 

The national collections one is a Next store card

 

Santander is a unsecured bank loan

 

I think the other National collections if littlewoods

 

At present I'm just in contact with Cabot by letter and email

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Cabot have decided that they will not be able to find the signed credit agreement so they are no longer chasing the debt

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good one cash cow account removed

 

hows the sar to greedy penny's doing?

 

dx


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GP are collating all the paperwork which in their words is a very time consuming task how long do they have to complete the task

 

Also my thoughts are that the other debts won't have the relevant documents to enforce them

 

At present I'm just waiting for the other creditors to contact her but they do seem rather shy at present which is surprising

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40 days if you sent them a SAR??

 

The reason why they're ''shy'' is because they know they've been rumbled, and will no longer be getting their ill gotten gains.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

HOW DO I START A NEW THREAD?

 

 

 

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Still heard nothing from debt managers who i sent a cca request which was a Next card outstanding balance of £168

 

However I now have a letter from a company called CSL ( credit security ) who say they have been instructed to claim the debt

 

Should I send these a prove it letter as it looks like its been sold on

 

If that's the case I doubt whether there's a valid CCA

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No send them nothing....... When did you send the CCA request?

 

TBH a pittance amount under 200 quid is pocket money.

 

I wouldn't waste my time chasing DCA's and doing their work for them.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

HOW DO I START A NEW THREAD?

 

 

 

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Sent CCA request 13 th Jan I would have thought they can't produce one so they have sold it on

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No CCA No pay.

 

If they're dumb enough to flog it on to another clueless dimwit then that's not your issue.

 

You simply ignore them for the time being.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

HOW DO I START A NEW THREAD?

 

 

 

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CSL/debt managers ...same lot!!


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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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Ok is that a good thing or bad they obviously don't have a CCA so do they just hope a fresh name on the letterhead makes you think they have one

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makes you think they have one of what?


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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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Trying to make you think they have A signed credit agreement

 

To me it just seems like a waste of time if they havnt got a CCA

 

whats the point of pretending to be another company at the end of the day

 

they won't be able to produce one either

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do you think powerless dca's did anything else but spoof people :lol: that's all they can try and do

 

sadly 99% of the general population fall for their powerless threats.


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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Yes it's certainly helped me reading the threads and asking for advice on here

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Quick update received reply from credit security Ltd reference CCA request

 

We are unable to action the enclosed as we are no longer instructed in this matter

Please forward all payments to debt managers --Next

We apologise for the inconvenience

They have returned the postal order

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