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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
marksheff

land registry deeds

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hello to the forum, I'm wanting some advice/help. the story is that me and a sibling was left property in a relatives will, but my sibling is the only name gone on to the land registry as i was told it wasn't an issue if only one name was registered, my concern now is by law were does this leave me if me and my sibling have a fall out, I'm named in the will but could he sell with out my permission thanks in advance.

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Hi and Welcome to CAG

 

Why have you not added your name ? was a solicitor involved ?

 

Was there terms in the will that provided for only your siblings name to be entered ?

 

How old are you ?

 

Andy


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there was nothing in the will that stated anything about name/names on the land registry only that the estate was to be shared 50/50. i think i convinced myself that it didn't matter whose name was on the L/R as im his next of kin so it would go back to me anyway thats my way of thinking.

no solicitor involved and im late 40,s.

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I fear that your sibling could sell the property at any time and keep all of the proceeds. If he were to die, then the property in its entirety would form part of his estate to be distributed in accordance with his will (assuming he has one). In either case, you could be left having to resort to some very expensive legal action to reclaim your inheritance.

 

Likewise, should you predecease your sibling, the property would not form part of your estate if your name does not appear on the LR paperwork.

 

I think you need to take some proper, qualified legal advice and get this matter resolved. Who was the executor ?

It may be possible that you could hold the executor liable for any costs and/or losses regarding their lack of foresight.


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hi mr p. thanks for that, we were both executors, had i know before hand i would have insisted my name went on as-well, i must sound a right muppet to let this happen, on the other hand if he does do a will and leaves me his estate is that everything back to me. apart from him been able to sell it and keep all proceeds..

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we were both executors, had i know before hand i would have insisted my name went on as-well, i must sound a right muppet to let this happen

 

We all do things that we may later regret. When dealing with a family estate, there is the additional burden of not wanting to cause more upset and grief. So a "muppet", no. Ill informed, perhaps.

 

If the relationship with your sibling is still good, I'd suggest going back to him, discuss your reservations and get your name added as a tenant in common. Doing so would protect both your and his interests and still allow you to leave your share to whom ever you wanted. Relying on somebody else's will to "do the right thing" is not a good idea. Wills can be changed on a whim or revoked for a number of reasons.

 

Other scenarios that could see you lose out are: If he is forced in to self funded care. Is subjected to divorce proceedings. Is made bankrupt.


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ill wait till things have calmed down and ask for my name to be added, at the moment we do get on,but things change. thank you for your advice means a lot...

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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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Hi.

 

 

 

Were you participating fully as executor or did your sibling do most of the paperwork? Was there a lawyer involved?

 

 

 

HB


Illegitimi non carborundum

 

 

 

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