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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
gibster1957

Lowell Claimform - HBOS credit Card

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Hello everyone,

I have just received a letter of claim from lowells asking me to fill in a form from preventing legal action.

I have 30 days to do this.

 

The debt is for a credit card and I was paying a token sum till may 2016.

The debt has done the rounds with wescot/ moorcroft/ csl and now lowells with some offering a discount if paid off.

 

My question is,

do I ignore it or send them a cca request as the last thing I want is a ccj as my credit is now good.

 

Any advice would be appreciated

Edited by dx100uk
spacing

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I have downloaded and completed the PAP form and will send off to Lowell solicitors. As far as the CCA goes, do i send it to them or directly to Lowell?.

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So today after a few "keeping me informed" letters, I have received a copy of the agreement and a statement of all transactions and an oft default notice .

They have now given me 30 days to make an arrangement with them or they will continue their pre action process which could result in a claim form being issued.

Any advice would be appreciated.

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Scan redact and upload what they sent you. (1 current statement will suffice)

 

Andy


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So this is the letter showing outstanding balance sent with previously mentioned documents. Do i make an offer of a token payment as i dont want a ccj as my credit is now good?

20190317_124011.jpg

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And the documents ..Agreement /default notice


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Thats not a Default Notice issued pursuent to section 87(1) of the CCA 1974...and I cant read the agreement upload......have you not got a scanner and upload it as a PDF file ?


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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Hi Andy, that is the only thing they sent regarding the default. I will try and post the agreement once i can get to a scanner. Many thanks.

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They will have to go back to the original creditor to get the proper default notice, this is just one of their computer system fields that they can alter at a whim

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retitled and moved to HBOS forum

 

wheres the rest of the CCA etc..?

 


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

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Hi dx, the only other page was all of my personal information.

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should be loads of sheets of t&c's

 

 


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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Definitely not dx, just transaction statements, signed agreement and an oft default sheet of paper.

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So do i go back to them and ask for full cca and original default notice. They gave me 30 days to respond which is soon. Many Thanks

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You cant request the Default Notice until they issue a claim...dont go back informing them the agreement is incomplete...obviously what they have sent is all they have.


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

 

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So bide my time Andy? As i stated previously my credit is now good and i dont want to damage it .Thanks

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I would...if they are going to issue a claim then they will no matter how much prodding you give them now.....we can deal with the claim as and when.


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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Ok, will see what happens. Thanks for your help.

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yep, they have to comply or they cant do court. If they issue a summons before they fulfil the full requirements it will be kicked out when you challenge it on that basis.

however, they are not immune from telling lies or making mistakes as they would prefer it to be called.

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Hi all,

today I have received the claim form issued 2nd April,

now just wondering where I go from here.

 

My thoughts are to send in the Acknowledgement of service  and defend all of the claim but as I haven't done anything like this before any help would be appreciated.

 

Thanks guys.

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