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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
charles1975

Terrible living conditions - Verbally abused - Possibly will be kicked out - HELP

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I've decided to post this in the Homelessness section, despite there being several issues at once and I need your advice, but mods, feel free to move this to a different section if necessary.

 

My situation:

 

- Just about to become 50

- Have lived in a terrible and dodgy guest house for 2.5 years. It wasn't dodgy and terrible when I went there

- When I went there I had a job and a single room. Now I've been on the dole for some time (on and off) and I am forced to share a room with other people.

- New people and new staff have come through the years and they have brought... how can I say.. dirtbags! Dodgy and abusive gits, people with a hefty criminal record, etc.

- The owners are the same but have given up on patrolling the place. They only come every now and again.

- Over the months I've been verbally abused by both staff and guests, mainly because I'm not in their circle of booze and drugs and what have you. This afternoon I was threatened by a fellow guest for petty reasons. I managed to speak to the owners. One of them says he'll do what he can but I can't trust him anymore.

- I'm struggle to find a job and leaving the place immediately is not an option. Virtually no landlord would rent to a 50yo unemployed, at least not in my area. So, in other owrds, I'm stuck here.

- Part of the staff (the dodgy ones) hate me and they told me straight in my face that they'll do what they can to convince the landlords to kick me out (I have no formal rental contract. I pay month to month) and I think they are very close to their goal.

 

So my questions are:

1) In the immediate what can I do? I was thinking of calling the police but what can they do? And the landlords have already hinted that if I call the police, my future at the place is at stake.

 

2) If they do kick me out, can I receive help as homeless? I'm on benefits, but I have some savings (under £6k).

 

Please I beg you not to think I'm just an intentional bum. I was in IT circa 10-15 years ago but my career is finished and I have nowhere to go. Thanks for reading.

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Hi

 

Are you sure this is a Guest House? sounds more like a Hostel

 

Did you decide to move into a Guest House yourself or were you placed there?

 

You are in a difficult situation especially if you cannot easily move elsewhere.

 

Now I am going to mention the Police and they Council, with both of these you insist that you wish to remain anonymous.

 

Contact the Police to arrange a meeting the your local community officer at a suitable venue and explain what is going on in the Guest House and insist that you want to remain anonymous due to the threats made against you.

 

The Council ask to speak to the department that deals with Guest Houses and make a formal complaint to them and that it should also be passed to the anti social behaviour team and again that you wish to remain anonymous due to the threats.

 

Look up all the different Housing Associations / Council Housing in your area and get a Housing Application filled in for each one as this gets you added to there housing list and at least you are on there waiting lists for housing (yes it can take some time to even get an offer) make sure if you move to inform them as most will annually review if you want to remain on list and if no response from you then removed from list so this is important.

 

This PDF may be of use:

 

Incident Log-with form fields -----.pdf


How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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It is also worth contacting Shelter, either a personal visit or call to the nearest office, or using their online chat service: https://www.shelter.org.uk/

 

I have found spareroom to be quite useful for locating lodgings and lodgers. Have used it to source a lodger in the past, and I was quite happy to accept HB from the right applicant. There are avenues that you can explore, so don't give up hope of finding somewhere decent even if it means looking in different areas of the country.


PLEASE HELP US TO KEEP THIS SITE RUNNING

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Hi

 

Are you sure this is a Guest House? sounds more like a Hostel

It was a proper guest house; now it looks like a halfway house, but legally this is not a social hostel. They are on booking.com and a few other portals.

Did you decide to move into a Guest House yourself or were you placed there?

I decided it myself. I was working back then and it was at a stone's throw from work

You are in a difficult situation especially if you cannot easily move elsewhere.

 

Now I am going to mention the Police and they Council, with both of these you insist that you wish to remain anonymous.

 

Contact the Police to arrange a meeting the your local community officer at a suitable venue and explain what is going on in the Guest House and insist that you want to remain anonymous due to the threats made against you.

 

The Council ask to speak to the department that deals with Guest Houses and make a formal complaint to them and that it should also be passed to the anti social behaviour team and again that you wish to remain anonymous due to the threats.

 

Look up all the different Housing Associations / Council Housing in your area and get a Housing Application filled in for each one as this gets you added to there housing list and at least you are on there waiting lists for housing (yes it can take some time to even get an offer) make sure if you move to inform them as most will annually review if you want to remain on list and if no response from you then removed from list so this is important.

 

This PDF may be of use:

 

[ATTACH]72205[/ATTACH]

Thanks.

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It is also worth contacting Shelter, either a personal visit or call to the nearest office, or using their online chat service:

Shelter have told me they can only deal me if and when I am evicted, and also they said that, prospectively, they wouldn't consider it as a proper eviction as there's no rental contract. The CAB in my area is pretty much useless.

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Hi

 

 

 

This PDF may be of use:

 

[ATTACH]72205[/ATTACH]

 

 

Hi Stu007,

have you got an excel spreadsheet copy of this pdf? It's very difficult for me to edit. Thanks.

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Hi charles1975

 

Its in PDF Format only.

 

Could I ask what issue your having with the PDF?


How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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Hi charles1975

 

Its in PDF Format only.

 

Could I ask what issue your having with the PDF?

I find it difficult to fill it and edit.

 

 

I'll make a spreadsheet version myself.

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