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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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Rayban

Barclays Partner Finance and DRO - they wont mark the Account Correctly***Resolved***

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Hi

 

Just looking for a little bit of additional advice.

 

In October 2016 I had a Debt Relief Order (DRO) which subsequently ended (Discharged?) one year later, October 2017.

 

I recently took a look at my Credit Reports and note all but two of my creditors had stopped reporting on my files at the start of my DRO, marked a Default at time of DRO and marked my accounts as Closed and Partially Satisfied or Satisfied with a zero balance. All correct I believe.

 

However two creditors (Barclays Partner Finance & Vanquis) had continued (up to present day) marking the accounts as Open, full balance owing and still being marked as defaulting each month. I did a little research and found out (hopefully correctly) that these accounts should be marked as closed, zero balance and Satisfied/Partially Satisfied or similar.

 

I wrote to both companies requesting they correct my files.

Vanquis, to my surprise, updated my credit files straight away and is now correct.

 

However, Baraclys so far has not.

I wrote to them in October this year giving 28 days to resolve the issue. No reply.

 

I then wrote again to Barclays, again giving 28 days, this time via Recorded Delivery (November 2018) and had a reply they are looking into it.

 

I received a letter today saying they are still “investigating” and I will hear in another 28 days whether it has been resolved or if they need more time.

 

My understanding was they were supposed to resolve this within 28 days.

They are now moving towards at least triple this.

According to the ICO website, I will need a Final Response letter before contacting them.

 

I am seeking an answer to find out how long should I give Barclays to resolve this simple straight forward (if my research is correct!) issue? They could theoretically keep requesting further time indefinitely.

 

I suppose with the debts still being shown as Open Accounts, in Default monthly and still full balance owing, they could even sell these debts on (worse case scenario I know, but possible I guess).

Edited by dx100uk
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no you don't need a final response

what you should have done is given them 14 days to resolve the issue and if not rectified by then you with raise a serious complaint with the ICO and seek financial compensation.

 

I would send them a letter telling them as above, but that there 14 days have already expired and you are now raising the complaint immediately.

 

- - - Updated - - -

 

thread retitled and moved to the Barclays forum


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Even if you resolve the above with Barclays...A debt relief order will stay on your credit file for six years from the date it was approved.

 

When you enter into a DRO, if you live in England and Wales, it’s recorded on the Individual Insolvency Register. This is an online database that has information about bankruptcies, IVAs and DROs.

 

The Individual Insolvency Register can be searched online. When your DRO is approved, you’ll be added to the database. Your details will remain on the database for the duration of your DRO and three months after it has finished. This usually means that you’ll be on the register for about 15 months.

 

So this may make it difficult to take out credit during this time even if you resolve the above...although I agree it shouldn't be showing.

 

Andy


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no you don't need a final response

what you should have done is given them 14 days to resolve the issue and if not rectified by then you with raise a serious complaint with the ICO and seek financial compensation.

 

I would send them a letter telling them as above, but that there 14 days have already expired and you are now raising the complaint immediately.

 

- - - Updated - - -

 

thread retitled and moved to the Barclays forum

 

Thanks for this.

I checked online to make a complaint on the ICO website, one tickbox was regarding a Final Response, which I ticked no and the message was to wait for that. That's why I was/am frustrated.

 

Either way, they have had more than enough time and providing my facts are correct about the way they are reporting on my credit file, it's time I sent off the complaint, not waiting for a Final Response letter. It's beyond.

Edited by dx100uk
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Even if you resolve the above with Barclays...A debt relief order will stay on your credit file for six years from the date it was approved.

 

When you enter into a DRO, if you live in England and Wales, it’s recorded on the Individual Insolvency Register. This is an online database that has information about bankruptcies, IVAs and DROs.

 

The Individual Insolvency Register can be searched online. When your DRO is approved, you’ll be added to the database. Your details will remain on the database for the duration of your DRO and three months after it has finished. This usually means that you’ll be on the register for about 15 months.

 

So this may make it difficult to take out credit during this time even if you resolve the above...although I agree it shouldn't be showing.

 

Andy

 

Thanks.

Yea I realise it's not going to make a difference and I'm not asking them to remove the truth, however the way they are reporting is wrong and there is potential for these debts to be sold on.

 

Whether it makes a difference to creditors showing a closed settled account or not doesn't really matter to me as I'm not interested in going into debt again.

It's just frustrating that Barclays feel they can report incorrectly (and get away with it), they seem to be making a meal out of resolving this simple issue.

I just think that the data held should be factually correct and they should obey the rules/guidlines, just like all my other creditors have.

Edited by dx100uk
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Just to update.

 

I sent off my complaint to the ICO.

Yesterday had a call from Barclays (whether that was because of ICO complaint or just finally responding to my complaint I’m not sure) who have finally updated my Credit Files and “closed” both accounts.

 

Apparently they were “unaware” that a DRO was issued and completed - I’m a little bit cynical over that claim.

Nevertheless it seems to be resolved.

They gave £50 compensation for the “inconvenience”, so that’s something!

 

Cheers for the advice, was helpful to make sure I was barking up the right tree.

Cheers.

Edited by dx100uk
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showing it as closed is no guarantee they wont sell it on.

not sure where you got that from.

did you successfully complete the DRO?

 

well done on the CRA update mind..good result.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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Thread title updated ...well done.

 

 

Andy


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showing it as closed is no guarantee they wont sell it on.

not sure where you got that from.

did you successfully complete the DRO?

 

well done on the CRA update mind..good result.

 

Not sure I said showing it as closed means they won’t sell it on.

 

Nevertheless, my Credit Files have been correctly updated (which was my aim) I would think that Barclays would not be daft enough to now sell it on, especially as they have agreed the DRO was successfully completed and ended October 2017, and they are showing a ZERO balance on my Credit File.

 

Whilst it would be a nuisance, if I ever heard off another debt collector for these debts I would not be bothered or even correspond with them, they have no chance of getting a penny out of me.

 

I think this is the end of this matter, and a win!

 

Just want to add a big thank you for all who have taken time out of their day to reply to me and I have appreciated your advice/comments.

 

Cheers

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if they've shown it as zero then nothing to sell

its the ones that use the partial settlement summary note you've gotta watch


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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if they've shown it as zero then nothing to sell

its the ones that use the partial settlement summary note you've gotta watch

 

Ah, ok. That’s interesting to know. Better recheck all my files! Thanks.

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