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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
thestarinn

M+S Sent my CCA return to someone else - now offering £20??

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What an absolute nause!

 

I would possibly spend my time letting the ICO know of this data breach......


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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Thank you for your reply BB. I wonder if there is a precedent (i'm sure there must be) that could guide me in the most effective way of dealing with this?

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do you have a full copy of the info they sent the wrong person


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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No, I haven't received anything from M&S regarding the CCA request, which incidentally was sent to Cabot.

 

Cabot replied stating they "have requested the relevant details, which will include a copy of the credit agreement, statement of account and original and varied terms and conditions from the original lender".

 

This reply was dated 26 March 2018.

I then received the M&S letter dated 30 April, but no copy of what they sent.

Edited by dx100uk
spacing

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write to M+S ask them for a copy of all the information they wrongly sent to the wrong person


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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Have written and am awaiting reply

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Under article 17 of the new GDPR coming in force 25th of May, they are obliged on enquiry to inform you of everyone with whom they have shared data. They also obliged to contact the data controllers and to organise the erasure of any data which should not have been shared or which you have eventually asked to be erased.

 

The £20 compensation is insulting – and it is not even compensation. It is simply to cover the expense of registering yourself on a fraud database. I should certainly make a complaint to the ICO. Send a copy of the letter.

 

It's up to you what you want to do – but in the circumstances I would consider setting about obtaining a court judgement for breach of statutory duty in that they have breached the data protection act. I think you should threaten them with this in a letter before claim and tell them that you want a sensible proposal for compensation and that if you do not receive one within the 14 days then you will start a County Court action for breach of statutory and without any further notice. Your chances of success are better than 95%. In fact they would be crazy to defend it – and I feel that it is highly likely that you will get a call from them and a sensible offer.

 

However, they may be stupid just like the conventional banks and preferred to spend hundreds or even thousands of pounds trying to block your claim rather than to settle it for a reasonable amount.


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write to M+S ask them for a copy of all the information they wrongly sent to the wrong person

 

an excellent suggestion – you should also ask them to copy you in to every piece of correspondence they have in relation to this – in particular the correspondence that they engage in with any third parties as to the erasure of the data.

 

You will also want to have confirmation from the third parties that the data is erased. You will have to achieve this by sending off SARs to them on 25 May. The whole thing is an incredible nuisance and it is certainly worth some compensation. I suggest that you go for £300 or £400


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Thank you BankFodder. I shall make a complaint to the ICO while waiting for the reply from M&S, in the first instance.

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By the way, don't forget that the M & S bank is subject to BCOBS. A BCOBS judgement against them would cause them enormous embarrassment I can imagine that they would want to go to considerable lengths to avoid this.


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I wrote to M&S to tell them their £20 gesture was insulting and that, if I didn't receive a sensible offer I would send a letter before action.

 

Just received a letter from M&S saying "sorry we've caused you upset".

Other details extracted from letter....

 

As the breach of data occurred before 25 May 2018, article 17 of GDPR isn't applicable.

"The ICO has contacted us to confirm they're aware of this breach and that we should deal with the matter internally....."

 

"As your data was sent to another data subject, it wouldn't be appropriate for us to confirm their name to you."

 

"The third party who received your information from us incorrectly notified us of the breach.

They returned the documentation sent to them in error, at our request."

 

"I've applied a further credit of £105 to your M&S Credit card account........and brings your total compensation for this matter to £125"

 

".....if you chose, you could use £20 as payment for Cifas Protective Registration for 2 years".

 

What do you guys think?

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Received no credit to my account despite the promises above, so I wrote to them. Have just received a cheque from M&S Bank for £75. Accept, or letter before action? Your suggestions would be very much appreciated. Why have they not sent £125 as promised above?

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dunno copy them the letter and ask them?


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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