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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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Hello I was wondering if anyone could possibly weigh in and give advice

 

First of all I take any and all responsibility for the stupidity of my youth and lending patterns it has taken a long time to admit that to myself!

 

Back in 2012 I opened a brighthouse account, I was 20 and a new parent (my son was about 8months old) and what I took out was a washing machine and cooker as I was broke as a joke in a new city with no family or friends.

 

I found as I kept going into store to pay they kept pushing items on me,

now I was heavily medicated at this time due to mental health problems on top of post natal depression,

yet they kept doing it with suff they knew I couldn’t afford but would love to have,

 

games consoles, a laptop, a big tv, phones it got to the point that they FULLY KNOWING I WAS ON BENEFITS, started accepting my boyfriends wage slips as MY proof of income, his name was not affiliated to the account nor mine to his wage slips, but they did it anyway (I know I have partial blame in tbh but I feel they had a duty of care to see it was wrong and that it could land me in debt)

 

by the time it got to 2014 I started paying via bank card and the payments had shot up to £94 a week, between Jan and April of 2012 I gave them over £1200!

 

I have put in a complaint to them for the second time after the ‘lost’ the first complaint I made a month ago!

 

I just feel like I needed to post my situation somewhere and ask if anyone else thinks they were in the wrong?

 

Thanks guys :)

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Without wanting to sound like I know nothing, could you please explain that to me as I’ve never heard of it and it could be useful to me!

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https://ico.org.uk/for-organisations/guide-to-data-protection/principle-6-rights/subject-access-request/

 

40 Days & 10 Quid later... You have everything from their system about you as an individual etc.

We have a template for a DSAR request in our library:)

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?387306-Full-Subject-Access-Request-**Updated-January-2015**

 

Send it and youll get an idea of just how much you have spent with them etc

Edited by Andyorch
Link added

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That’s brilliant, thank you very much! I’ll do that right away, I’m really interested to know what I paid to them.

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sounds like an irresponsible lending complaint is the way to go here

we've just had a good 'win' against them with more to follow

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?484636-BrightHouse-cheque-received-today-after-complaint-advice-needed-please(1-Viewing)-nbsp&p=5095186#post5095186


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’m going to keep my eye on that post , thank you and a great outcome so far!

 

It’s just such a scary process because companies can lie!

 

I sent them a complaint by email on the 10th of January I believe and I got an automatic response, but nothing after that,

 

then I called them on Monday as it had been so long and they couldn’t find the complaint,

 

got passed around to 4 different people and spent over 2 hours on the phone and ended up just having to make a new complaint over the phone so I KNEW they had it, but now the past month has been wasted waiting for nothing :(

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always best to WRITE to the CEO


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 Just come across his email address (thank you for mentioning it I don’t know why I didn’t think of it)

 

I have sent him and email fully explaining the situation and the trouble that I have had with customer service/complaints hopefully I’ll get a responce! I’ll post updates here just incase anyone cares to know what happens!

 

I have also just won back £706 from sunny loans, and am awaiting a response from wonga and quickquid

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I have a quick question for anyone able to help,

 

I’m getting slightly worried about what the outcome might be despite the fact they were in the wrong,

 

what I honestly want is my money back,

 

however I never returned the items and never fully paid them (don’t have any of them anymore anyway)

 

am I going to be given a lot of trouble or are there other cases where people in my situation have been successful?

 

What am I likely to be offered as a resolution?

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Its up to Brighthouse... Its then up to you to accept.

But then again what you might get... youd know if youd read our guide here at CAG :)

 

It applies to you because of irresponsible lending :)

 

https://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=69475

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