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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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Hi,

 

I have received a letter from Lantern requesting payment for loans I took out years ago.

 

The loans do not appear on my credit file and have not been on my credit file for at least the last two to three years.

I think I defaulted on most of them six years ago that's why they are not on my credit record.

 

Lantern have called me on my work mobile number once recently, ( within the last two weeks) and I refused to answer security questions because I was not sure who I was speaking to. But they did say they where formerly MMF.

 

I do not wish to engage with Lantern, what steps do I take to ensure I pay them or not

 

Thanks in advance.

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Then dont engage with them.......if they are statute barred anyway.

 

 

Andy


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:bump2: The loans do not appear on my credit file and have not been on my credit file for at least the last two to three years. I think I defaulted on most of them six years ago that's why they are not on my credit record.


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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Have you moved since taking this out?


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Mmf are masters at issuing backdoor ccj's

Even if the debt is statute barred


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Moved to the mmf forum


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

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Hi I hope you can help.

 

I have received a letter from Resolvecall to my address requesting that I contact them otherwise they will arrange a personal visit by one of their representatives, (they are acting on behalf of Lantern).

 

I think the debts they refer to are over six years old and do not show up on my noddle credit file.

I do not want them to visit my home address.

If they insist please advise most appropriate response.

I live in shared accommodation and do not want others in the accommodation made aware of their visits.

 

Thanking you in advance.

Edited by dx100uk
spacing

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old and new threads merged

please keep to one thread

 

resolvecall or snotcrawl ...sorry scotcall rarely turn up

and even if they do they are not bailiffs and have like every DCA ZERO legal powers.

 

should one appears VERY RARE.. you tell them to leave else you'll call police 101.

 

did you not resolve this in the now merged thread?

 

if your last payment was more than 6yrs ago, then send MMF our SB letter from the debt collection section of our library.


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Thanks dx100uk. Ok I am trying to get the sb letter from the library but get this message' CAG Library - you need to register to access the CAG library'

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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

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Reclaim mis-sold PPI Read Here

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I was logged on but did not get to the library even after several attempts. But thanks for your reply and I have got the sb letter from your link.

 

My concern then is that they can still enforce a ccj because of the following '"...a firm must not attempt to recover a statute barred debt in England, Wales or Northern Ireland if the lender or owner has not been in contact with the customer during the limitation period." 7.15.4 I am not sure if they have tried to contact me during the limitation period or are doing so after.

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its statute barred you've told them

letter writing does not stop the clock!!


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You are saying Lantern can still issue the ccj even if I send the sb letter..?

 

 

Yes but your defence will be that the debt is statute barred, and if it is, the claim will be dismissed.

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no once told SB'd if they cant prove otherwise all comms should stop.


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Hi, I have received a letter from Lantern to a sb letter I sent them. The letter talks about one debt from Wageday which it says will be statute barred in January 2019. The customer reference number on the letter has a balance for multiple debts but only the wageday debt is mentioned in the letter.

 

The letter says:

'

Dear xxxx

 

We write with regard to the above reference account number and recent communication.

 

We note that you feel the Wageday Advance account should now be statute barred under the (Limitation Act 1980/Prescription and Limitation Scotland Act 1973/The limitation (Northern Ireland) order 1989). Firstly it is important to explain that an account only becomes statute barred if the last written acknowledgment or payment towards the debt is over a six year period. In this case , the original due date was on xxxx/2013 and will therefor not become statute barred until xx/01/2019.

 

If you have an queries or need to talk to us, please get in touch.

 

Yours sincerely

 

 

Lantern

Debt Purchase & Recovery Specialists '

 

 

The debts that the customer reference number refers to have not been on my credit file for several years. Ihave not responded to the letter.

 

Will Lantern now put the Wageday account on my credit file and keep it on file for the next six years?

 

Can Lantern use their letter as an opportunity to open up other debts which they have not mentioned in the letter but which I know have been included in the total debt of the balance.? ( I think the debts that have not been mentioned are statute barred).

 

 

Thanking you in advance and as always.

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They are talking rubbish!!

Sb is not from the due date!

It from your last payment

 

Typical bs from mmf


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

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What is significant about the date xxxx/2013, was that the date which a payment was due to the Wageday Advance account and you did not pay it?

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What is significant about the date xxxx/2013, was that the date which a payment was due to the Wageday Advance account and you did not pay it?

 

Hi. There was an idea that the COA( the date when the SB period began) was from the first missed payment. No one ever said it was the last made payment, how can making a payment be a cause of action?

See my earlier post

 

It is now established as being the date of the section 87 default notice.


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but not in every case. ….

when we start losing heeps of claims because this supposed default notice date is the cause of action

we'll start panicking

until then it means nothing.

 

dx


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Its a high court case DX, do you seriously think it wont come up.

I woul check with a solicitor, someone off the forums would be best.


DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Hi. There was an idea that the COA( the date when the SB period began) was from the first missed payment. No one ever said it was the last made payment, how can making a payment be a cause of action?

See my earlier post

 

It is now established as being the date of the section 87 default notice.

 

That is how I have always understood it. The statute barring period starts from the default date not the last payment unless a payment has been made since the default date.

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