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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
Ctooney87

Terminated contract with money way for my car

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Hi everyone.

 

I change my payment date for my car finance with money way...

 

I was advised wrongly of the changed date and rang one date late to pay my finance which I was then told was terminated as I had defaulted more than once in 2 years..

 

I fought and fought as I rang in the date I was informed was the new date but got no where with the situation..

 

I’ve then had anglia uk over the phone and coming to my house to ask me to contact moneyway or to voluntarily surrender my car which I don’t want to do as I was told a court order would be needed as I’ve paid over a third and I want to fight my corner in court..

 

Will I made aware of the court date or will it just happen without me knowing for a return of goods order??

I keep getting passed from pillow to post with money way when I do ring and don’t really know where I stand with this situation and I’m stressed to death with it..

 

Thank you in advance for any advice

Edited by dx100uk
spacing

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What means did they used to advise you of the change date. Was it by email? In writing? Simply by word of mouth over the telephone?

 

If you're doing any more telephoning then please read our customer services guide and make sure you have implemented the advice there


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It was over the phone so have no proof of it barring them recording the calls which I argued with them about. Just want to know really if I will have chance to put my point across in court or will it happen without me knowing and they will just be able to turn up and take the car??

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Have they issued you a default Notice ?


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Have they issued you a default Notice ?

 

Yes they did previously

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And you corrected that and paid the arrears by the requisite period (14 days ) ?

 

https://www.payplan.com/advice/collection-of-debts/creditors/car-repossession/


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They wouldn’t accept any payment from me as they said the contract was terminated and I would hear from them in due course??

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Didnt ask that...lets talk about this previous default notice .

 

Did you rectify the breach ?


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Yes I did

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Excellent .......

 

So no arrears...only defaulted once and that was rectified......you just wanted to amend your payment date.

 

They cant terminate your agreement.

 

Pay here.....

 

https://www.moneyway.co.uk/make-a-payment


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

 

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moved to vehicle finance and repo.


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might be worthy to send them an sar

get all the account comms details and statements?

 

have they been charging arears and letter and phonecall fees etc

as these are unlawful.

and can be reclaimed/removed


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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Interested to see what happened here as going through similar

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