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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
        • Like
      • 0 replies
eeezye

Account under review

Recommended Posts

Posted (edited)

Hello.

 

My account has been under review since 2/1/2019.

Everything is blocked.

 

Something has come to light as to why this is.

I sold my e-cig vape collection on new years eve over Facebook,

the person that bought this off me bank transferred the money which totalled £60.

It was a faster payment.

 

On the evening of 2/1/2019 this person told me that his wife had called the bank previously that day and said that he been conned.

He told me that his wife made the payment from her account but at first he said it was from his account but that doesn't really matter who's account it was paid from.

 

I had posted his item using a reputable company (Parcelforce) on the morning of 3/1/2019.

I couldn't post on the 2nd as i was working .

 

I used a tracked postage service which cost me £17.70.

I have attached this receipt to this email which includes a tracking number.

 

He wanted it posted originally on new years day which was impossible as it was a bank holiday and no post office was open.

The person who i sold this too was called (edited out).

It seems like he wants the goods and his money back as well.

I have asked him to call his bank immediately to rectify this and he keeps giving me excuses.

 

This is the only reason i can think as to why they have put my account under review.

Has anyone been in this situation before?

 

(This is the email i sent to pof@barcalys with photo of the receipt of the parcel)

Edited by dx100uk
format

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Hi Eeezye and welcome to CAG

 

So far I fail to see how this could result in the bank freezing your account.

 

If there's a dispute about a transaction, the buyer can raise a complaint and ask for the individual transaction to be stopped or refunded. But that should not result in any other problem with your own banking.

 

Banks normally only put a freeze on an account if they are complying with their obligations imposed by Anti Money Laundering Regulations. When this happens, the bank simply removes your access to any funds until they (or the authorities have checked) are happy that your funds are not involved in wrongdoing.

 

Have you spoken to the bank if your access is still denied. If so, what have you been told ?

 

:-)


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Hi Eeezye and welcome to CAG

 

So far I fail to see how this could result in the bank freezing your account.

 

If there's a dispute about a transaction, the buyer can raise a complaint and ask for the individual transaction to be stopped or refunded. But that should not result in any other problem with your own banking.

 

Banks normally only put a freeze on an account if they are complying with their obligations imposed by Anti Money Laundering Regulations. When this happens, the bank simply removes your access to any funds until they (or the authorities have checked) are happy that your funds are not involved in wrongdoing.

 

Have you spoken to the bank if your access is still denied. If so, what have you been told ?

 

:-)

 

 

Hi,

 

It was bank transferred to me. He has told his bank that i had scammed him which is fraud i guess so my account was put under review which resulted in my account frozen. Payments like BACS and direct debits are still allowed on the account . I been reading up endlessly on forums and Facebok groups the last few days and that is why i am quite confident this is the reason my account is under review. It's only a basic account. The most i have had credited in the account is £60 and the most i've spent is £30. There is nothing that would flag money laundering that i can think of apart from this incident

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Hi Eeezye,

 

I asked above if you'd spoken to the bank and what they've said - please answer this.

 

Even if there's a dispute, you have the right to put your side of events and I can't see how the bank would impose a freeze based on the other party's allegation.

 

:-)


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EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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Oh, if you speak to the bank, record the call.

 

Otherwise communicate by email or typed letter.

 

:-)


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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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