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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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Lilypad1

Default CCJ Excel /BW Legal please help

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Hi I hope you are able to assist me your help will be much appreciated

 

This I believe should have been dealt with last year as excel brought two identical cases, ,one was this this case against me in 2017.

I defended it and excel dropped it (but I believe a court error) but I have a just had a new CCJ against me for the same case

 

Excel brought two claims against me in 2017.

Exactly the same but diff dates.

 

My defence and N180 (exactly the same) was sent in at the same time for them both.

 

Excel discontinued case 1 but for some reason I think there was a court error and my defence was not initially registered for case 2.

 

I re-sent the email with my defence to the court and both my CCJ’s were removed.

I therefore presumed both were dealt with and dropped by excel.

 

It should all have been dealt with last year but I have a new CCJ for the same case in Sept 2018

 

I got a set asides as they sent papers to an old address (plus I wasn’t the driver, they didn’t follow POFA and illegal signage and no planning permission for signs) and excel dropped them in 2017.

 

These 2 cases running concurrent with the same defence and always dealt with together

 

They have now given me a new default CCJ as I did not return the papers/questionnaire.

This however was sent to my now very old address which was changed at DVLA many months ago.

 

This I believe was an original error by the court (in 2017) as it should have been dealt with the same as case 1 ie defended and dropped in 2017.

 

I do not really want to pay another £255 as I’ve already had a set aside for this case and paid it once, and as they dropped it I couldn’t ask for my costs.

The court are telling me this is now a new case as I did not return the forms and that I have to pay for a set aside again

 

Any advice would be very much appreciated

Edited by dx100uk
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Thread moved to the appropriate forum...please continue to post here to your thread.

 

Andy


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you will need to request that the court try and correct their errors BUT if the bandits have made a new claim then you will have to go after a set aside and summary dismissal without a hearing on the basis this is identical to the one they have already lost and they have deliberately issued summons to an incorrect address so you want the to pay on a full costs recovery basis.

 

IMO courts never admit they have got things wrong.

 

The substance of the claim is immaterial,

as is your defence and

 

the fact you changed your details with the DVLA (they have to use the details given at the time but as you gave them a correct address for service of documents they have no excuse for this), this is about abuse of the procedure on purpose.

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Hi thanks for that.

 

I apply for a set aside and mention in there I want them to pay on a full costs recovery basis?

They will probably drop this though like last time.

Is there any way I can recover my 3x set aside fees?

 

Any point in contacting them and asking them to drop it now as it will be cheaper for them too?

 

Thanks

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Thread moved to the appropriate forum...please continue to post here to your thread.

 

Andy

 

Hi Andy are you a moderator? I had a private message from CAGBot but my inbox was full. I have deleted some but it still hasn’t come through? Is there any way of finding it or asking him to resend it?

 

Thanks

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cagbot is just cagbot ignore.

 

there is no harm in asking them. no.

 

however if they refuse then you included the fact you want all these fees back at this claims set aside hearing.


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you can ask but they are greedy idiots and may well fancy their chances against you this time by trying to introduce a load of bull at a set-aside hearing and hope they dont get a costs order against them.

I havent worked out how big a lie these peope eneed to tell before they get into proper trouble because it hanst happened yet

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and this one...


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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