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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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PR11

Hoist/cohen PAP letter of claim - old Barclays Partner Finance HP agreement currys good

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Hi All,

 

New here, so I apologise if this is something which is easily found.

 

I have received a letter from Hoist Portfolio/HC Solicitors for a debt of £1500 which was defaulted on in 2013.

 

A bit of background - I was known by a different name for 2.5 years when fleeing Domestic Abuse. I changed my name back to my maiden name in 2012, then was married in 2013.

 

The default on this happened due to having a horrible year in 2012 and my Husband and I being made redundant within two weeks of each other at Christmas.

 

To be honest, I had completely forgotten about this debt. We have moved multiple times and so have likely missed correspondence regarding it.

 

I now have a “ Letter of Claim” in my old name. I am aware that they’ve probably linked my old name with my current name. I have never deliberately withheld information, I just genuinely hadn’t thought about informing creditors directly all those years ago.

 

Please can someone advise as to the best way to approach it? I obviously do not want to end up with a CCJ, but am unsure where to start with this.

 

Thank you so much in advance.

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AFAIK if the name on the Claim is the same name used on the Agreement or your Given Name, no one has done nothing wrong.

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when did you last pay anything toward this debt

and what was it with whom?

 

check your credit file that all names/addresses show in linked addresses etc etc.

 

dx


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AFAIK if the name on the Claim is the same name used on the Agreement or your Given Name, no one has done nothing wrong.

 

Hi,

Thank you for your reply. Yes, I’m aware it’s all above board, just wondering how to reply to it.

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when did you last pay anything toward this debt

and what was it with whom?

 

check your credit file that all names/addresses show in linked addresses etc etc.

 

dx

 

Hello,

 

Thank you so much for your reply.

 

Last time anything was paid towards it was, according to my credit report, September 2013. That would have been paid to the company (I think it was for electronic goods that were on finance).

 

I just wanted to know what the best thing was to do - over some payment? Ask them to prove that I owe the monies? Something different?

 

I apologise if this information is already here somewhere l!

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When you contact them you insist that they correct their records with regard to name and address.

Before you contact them you need to be sure that they have a right to be asking you for anything so things like was the debt properly assigned to them by the original creditor?

 

have you been receiving annual statements?

Dig out what you can before writing to them and then point out their shortfalls and say by the way, i am known as Ms X and live only at ......

 

If not these points can be challenged and it will certainly slow down their decision to actually issue a claim

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What goods on finance and who with?

So it was an hp agreement?


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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When you contact them you insist that they correct their records with regard to name and address. Before you contact them you need to be sure that they have a right to be asking you for anything so things like was the debt properly assigned to them by the original creditor? have you been receiving annual statements? Dig out what you can before writing to them and then point out their shortfalls and say by the way, i am known as Ms X and live only at ......

 

If not these points can be challenged and it will certainly slow down their decision to actually issue a claim

 

Thank you for your reply.

 

I have no other correspondence other than this Letter of Claim. That is not to say that they haven’t sent anything, but we have moved a few times in the last few years and our Son normally sorts the post as he is often home first and he may have thrown ones away which were a name he didn’t recognise.

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What goods on finance and who with?

So it was an hp agreement?

 

It says on the letter that the original client was Barclays Partner Finance and I think it was a TV and something else! Sorry to be vague - it has been a difficult 7 years since that was taken out!

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We can deal with all you have to ask etc in our pap reply form

 

Gives us as much detail about the debt itself please as you can find/remember


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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All that I know is what I’ve said above and what they’ve said in their letter.

 

* Agreement made in 2011

* For electronic goods from Currys

* Defaulted on in 2013

 

Is there any point in making a CCA request?

Edited by dx100uk
merge / quote

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ok thank you.

a lot clearer now.

thread retitled and moved to Barclays forum.

 

if you see post 4 here

it tells you how to respond and what to do.

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?481827-The-Pre-Action-Protocol-for-Debt-Claims-is-made-by-the-Master-of-the-Rolls-as-Head-of-Civil-Justice.-1st-Oct-2017


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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Thank you ever so much dx100uk!

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Sorry to bother you again!

 

Just a quick question - do I use the name they are referring to me as or my current name, on the paperwork?

 

Kind regards

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Doesnt matter

Use your correct name now


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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Thanks so much - going to get it sent today 👍🏽

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Hi All,

Thank you for your responses last month.

 

I sent the request 09/11/18. They acknowledged it on 15/11/18, saying they had requested the documents from the original creditor and will let me know when they have them.

 

I haven’t heard anything further. How should I proceed? When should they have replied by?

 

Any help gratefully received!

 

Thank you

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you don't

if they cant get the enforceable paperwork...noting is going nowhere!!

 

go enjoy xmas


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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Hi PR,

 

You've done all you need for now and the onus is on them to respond with the correct paperwork.

 

Do nothing further for now.

 

:-)


We could do with some help from you

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Thanks DX100uk and slick132.

 

I just wasn’t sure if I needed to do anything or whether they have an unlimited amount of time to respond with the correct paperwork.

 

Thank you

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