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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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Hi can I please get some help regarding three letters that have come from Lowells.

We have recently returned to uk after living abroad and previously had advice regarding some if not all of these accounts back in 2014 I believe. The debts are coming up SB mid this year, default dates 2013. I believe we were previously advised to SAR I think, which, I think we did.

 

I also believe one- a capital one debt, we sent a PPI claim for which was denied I think.

 

Here are the accounts.

 

ME-CAPITAL ONE $420

MY WIFE- BRITISH GAS $75 didn't even realise we had this...pretty certain we were on prepayment meter?!

MY WIFE- CAPITAL ONE $1695 ( SAR sent off 15th May 2013)

 

Do I need to do an SAR again for these? Can anyone advise what to do please.

 

Thanks a lot

Edited by LB85

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With the capital one debts, find out the last date of payment. Remember, the default date has nothing to do with the SB date


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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cant see any previous threads for 2014

were you using a different username then?

 

dx


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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cant see any previous threads for 2014

were you using a different username then?

 

dx

 

My wife got advice yes. Was advised to SAR and PPI claim I believe.

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With the capital one debts, find out the last date of payment. Remember, the default date has nothing to do with the SB date

 

Ok, can we do this without it being classed as 'contact' for upcoming statute barred?

Thank you

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Yes. Just call the Original creditor and ask for the date of the last payment on the account. For it to be classed as contact, you would have to write something specific for it.

 

All you want is the date of the last payment.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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My wife got advice yes. Was advised to SAR and PPI claim I believe.

username?


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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Normally SB comes into force around 30 days or so after the last payment is made.

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Normally SB comes into force around 30 days or so after the last payment is made.

 

Ok great so possibly SB in the next month going by the likelihood of the past posts. Ill find out date of last payment.

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no the clock starts tickin the day after your last payment or written signed acknowledgement of the debt.

you are talking about the cause of action for a Default notice.

 

there is no link between either date


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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most credit cards have a monthly billing cycle so it would be normal to say that the default date is one billing cycle after the last demand for payment. So ofr example, you got a bill on january 1st and had to pay the instalment by feb 1st. The default would kick in at the time of the next bill arrived on march 1st. Many companies dotn report the default becuase people sometimes forget to pay or struggle temporarily and it all gets sorted by the end of the next month. That has led the banks to purposely not issue a default to your files for some time to extend the period before the debt drops off your credit files. They claim they are doing their best to sort it out with you but it is just punishment and doesnt change the actual default date, just how it appears on your credit files.

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judging by last posts in that old thread SB might have already passed?

And a CCA request isn't acknowledging the debt, nor is a PPI claim, no?

 

Would it be worth sending some sort of SB letter then or not?

Or do we still need to ring original creditor and find out for certain the SB date first?

 

Just want to be clear....

So default date doesn't matter,

neither does 30 days passed since last payment,

neither does date when payment was due but not paid and no payment has occurred since.....

NONE of these are relevant to SB is that correct?

 

All that matters is that last actual payment date,

and if any written acknowledgement of the debt, yes?

 

If so, that means some of these debts are already SB definitely tomorrow as wife made a post on that thread 18th Jan 2013 saying no payments made at all recently.

Edited by dx100uk
quote

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you are correct on everything.

give it a few weeks and fire off our SB letter to the various fleecers.


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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blarrdy marvellous, really appreciate that thanks.

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