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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
apollord

CSA Maladministration since 2003

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Posted (edited)

Hi and thank you for reading.

 

I wasn't to sure which forum this should have been posted, my apologies if this isn't correct and please be so kind and point me in the right direction.

 

I'll try and keep it brief as possible but the case has been on-going now for 3 years.

 

Back in November 2003 the CSA miscalculated an assessment although all the information was correct. February 2005 my ex partner (PWC) submitted a complaint to the CSA and requested an appeal which they allowed. My ex-partner returned the completed paperwork December 2005, some 9 months later. I then received notification in the March 2006 from the Tribunal Services informing me that the CSA have re-calculated the assessment and found in favour of my ex-partner and therefore the Tribunal is not required.

 

Now i was under Act 1 as my ex partner and i went separate ways 1996. Due to be on Act 1 my new & current partners income was taken into my assessment as total household income. The November 2003 assessment failed to take into account my partners family benefit of £16.20 per week. This is money she would receive with or without being with me. The assessment increased my liability and was backdated to November 2003 now putting me in arrears.

 

Now with some great help from our local Citizen Advice Service, i placed a complaint under Maladministration as all the information they asked for was provided and therefore there mistake.

 

Now i remember at the time, the gentleman who helped me used some Law or Act that stated that as it was there error and being government, they could not claim the back arrears from me.

 

Did i dream this?

 

In my letter of complaint back in 2006 I did state that the arrears were not collectable.

 

I received both an apology, applanation and told that they will not be collecting the arrears along with £50 for the trouble.

 

I am not sure if this means anything but i was awarded Joint Custody and Care but the family courts in 2000. I mention this as i have been told my payments should have been at a reduced rate as my girls stopped over from Friday night through to Sunday evening tea.

 

i have been fighting the CSA/DWP who decided that i owed money and they want it. The thing is, my case closed in 2014 with a £0.00 balance.

 

Any help is appreciated.

 

Thanks

Edited by apollord

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Any help would be appreciated?

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Hi.

 

I'm sorry you haven't had any replies yet. The CSA forum isn't a very busy one and possibly few people have experience of this.

 

I've flagged your thread for the site team to see if someone can help.

 

HB


Illegitimi non carborundum

 

 

 

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honeybee13, thank you very much that was very kind of you.

 

AP

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How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

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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Hi stu007

 

Thank you for posting. I have already obtained my records although, there was missing documents compared to my file. Whilst i was dealing with the CSA before my case closed in 2014 i kept meticulous records of all correspondence sent and received from the outset.

 

I received a another response Saturday from the complaints team with the normal canned response and completely ignored my questions and comments along with supporting evidence on their own paperwork. I have been requesting for the last 14 months their final response along with my reference.

 

Without this, i cannot take this ICE.

 

AP

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Hi

 

Could you just clarify when you sent the SAR and got there response to that SAR? (reason I ask is you refer to 2014)

 

Note - The Data Protection Act (DPA) has been updated due to the new General Data Protection Regulation ( GDPR)

 

It is now the Data Protection Act 2018, couple of links:

 

https://www.gov.uk/government/collections/data-protection-act-2018

 

http://www.legislation.gov.uk/ukpga/2018/12/contents/enacted

 

https://ico.org.uk/for-organisations/data-protection-act-2018/


How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

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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Hi Stu007,

 

The CSA was served the SAR in 2016 following the first correspondence received in respect to their claim.

 

The CSA did respond within a lawful time frame although a large portion of of documents were missing when comparing what was received against the records i kept over the years.

 

I am a little unsure where the GDPR is relevant unless i am ,missing something? :???:

 

My apologies the delay in responding.

 

Thanks

 

AP

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