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    • Indeed...it was suspicously cheap though.
    • Why would they offer a Tomlin Order? Surely they would only do that if they weren't 100% it was going to be a win... They reclaim their costs from the debtor if successful?  
    • I'm struggling to see how to win this one, especially now after looking at the other thread.   Is it too late to go back to our original dispute that they kept adding late payment charges even though they was successfully taking the minimum payment by direct debit?   Reckon they would accept 50% as full and final settlement now, as opposed to £1 a month forever?
    • Okay so this is an interesting case. A lot of the current banks dont understand the indepths concepts of Cryptocurrency and most transactions are viewed as being High Risk. Its sort of like the Ebay Chargeback [problem] of yesteryear... But more up to date.    So have TSB verified 100% that you are an innocent party in all of this? My concern here is that you may end up having a black marker put against your name.  This is known as a CIFAS Marker and you must get confirmation from TSB that you will not have one put against you otherwise you will have a very bad time.   I would suggest an email to the CEO's team - They cant override the Fraud / Chargeback team but if the money is yours and it passes all of their KYC Checks then there should be no issue. Let them close your account and find another bank who do want you. Also after the complaint has been had - You should refer this to the Financial Ombudsman Service as the way the bank have treated you is unfair IMHO.    They have T&Cs that allow them to close your account at any time but it has to be fair - IE Breaching KYC Checks / Fraud / Court Action... Etc Also I wonder if reaching out to the papers might be an option.    @BankFodder - Any idea?    Legal action might also be in the question if you are shortchanged by TSB and considering their precarious situation last year with the IT Fiasco - They are on shaky ground.  
    • Difficult to say however you can most certainly attempt a chargeback with Nationwide.  Call 01793657689 and it should put you through to phone banking. They may reject the chargeback which is completely in their rights to do so.  You've spent the money on this so its not exactly unauthorised but at the same time - Paypal and Nationwide should have failsafes in place to stop this.    IF you are finding it difficult - Can I suggest Monzo as an alternative if things go south with Nationwide? I am with them full time - I dont gamble but i think it could be beneficial in your case - It will also give you a backup account if you need it   https://monzo.com/blog/2018/06/19/gambling-block-self-exclusion/
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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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We've lived next door to them for over 18 years, they have been here since the 70's.

They are an elderly couply, they are not the problem. Their 40 year old son is.

He sells drugs at all hours, his Dad has to answer the door to them.

The son plays loud music, games and shouts.

 

 

 

One time, this was a few weeks ago. My mum was in the bathroom and he said to his friends 'yeah, their grandson lives sleeps in the bath'.

He keeps spying on us in the bathrrom.

When we reported this to the council all they said was 'He's got mental problems, he can't help it'. His mental problems are due to drugs, my nephew has learnign difficulities which he was born with.

He has called my 18 year old nephew(same one mentioned above) a pervert, peado.

Because he plays with his brothers and sisters.

 

 

He has now got a camera which we reported today, it's pointing towards the public grass/pathway. We were told we were not allowed to record beyond our garden, not even allowed to record him if he contronts us.

 

 

His dad has been to see the council, nothing. Police have been round and had a word with them, again, nothing. My brother refuses to leave the house now, he's too scared.

 

 

 

 

 

My mum wants to move but it's hard because I have been bidding since I was 18, I'm now 31 and have gotten no where as I am on low band.

My ESA (or council rent) won't cover the rent until I'm about 35.

I tried to move out in 2012 but couldn't due to the council refusing me rent.

 

 

 

 

I know it's a lot to take in but can anyone help us?

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Hi

 

Is the Neighbours Property Council/Housing Association, Private Rented or owned out right?

 

I assume from your post this is either Council or Housing Association property?

 

Do you have it in writing from the Council that this individual has Mental Health Issues so nothing they can do? (reason I ask this is I see this as a Data Protection Breach as you should never have been informed by the Council that this individual has Mental Health Issues)


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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.

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It's a council house. No, mental health was not in writing. The council woman just said it. Wheras my nephew has his diagnosed with a doctor.

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Hi

 

Irrespective whether that individual has a Mental Health Issue what they are doing is Anti Social Behaviour and to use that as an excuse to take no further action is unacceptable.

 

What you need to start doing is keeping a written log of every single incident and report it to the Councils Anti Social Behaviour Team and the Police (101)

 

This PDF will be of use:

 

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

 

Now what I would also do is write to the Council Title your letter 'Formal Complaint' (this way they need to record and have a record) and explain the issues and mention name the individual that informed you that as this individual has Mental Health issues the Council will take no further action you wish clarification of

 

a) Why you were ever informed that the individual you complained about has Mental Health Issues is this not a breach of the DPA

 

b) exactly why are the Council taking no further action due to this Anti Social Behaviour.

 

c) Your require a copy of the Council Anti Social Behaviour Policy (not the leaflet).

 

Which Council is this?


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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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I failed to mention that for several months my mum has been writing a record of these events and have been sending them to the person on the case.

Also a few days ago my dad rang them and informed her that next door had a a camera aimed at the public path.

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Couple of links for you reference the camera which would be classed as CCTV:

 

Information Commissioners Office link: https://ico.org.uk/your-data-matters/cctv/

 

Surveillance Camera Commissioner: https://www.gov.uk/government/publications/domestic-cctv-using-cctv-systems-on-your-property/domestic-cctv-using-cctv-systems-on-your-property

 

I would also write and ask if this individual has been granted permission to install these cameras. (whether its Council/ Housing Trust/Housing Association as this is classed as an alteration to the property they should have asked permission)


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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