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    • I think that's a step in the right direction, surrey.   HB
    • I'm pleased that you got through to at least one correct email address.   Hopefully if the branch have been in touch it's good news and fingers crossed that the complaints team get in touch early next week. You're right to keep a note of your expenses, I would claim all those too.   HB
    • It was from debbie.crosbie@tsb.co.uk, so thx to you for the idea HB, a reply within 24hrs from that address. It'll be Tuesday at the earliest now I think, also the Branch called Yesterday to request proof of ownership for a further 4 transactions made since the disputed transaction. I have the info to prove, but it's a massive headache trawling back through trading history to locate, print out, & notate these so they can make sense of them.    All the time & materials I'm spending doing this are being noted, & form a compensation claim for loss of earnings, as part of the complaint, & I will make the exec complaints team fully aware that I expect to be recompensed for this. 
    • The company did finally respond and the subby fixed the hot water system, which turned out to be a fault with my immersion heater that was only six months old. The installer of the immersion claims he has lost his license, so I am screwed again. Consumer protecting in the UK is a joke. The website that supported this rogue trader is investigating. We still expect the Solar Panel company to deliberately go bust to invalidate warranties,, unless the FIT grant is restarted in some form.
    • just offer a low pcm 
  • Our picks

    • 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
      • 0 replies
Mother's Little Helper

Formula for assessing Care Home Funding

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I don't really think this is anything to do with the NHS but this seems to be where the Care Home funding issues are. I am sorry this is long-winded but am hoping it saves you having to ask questions.

 

My mother has been cared for at home for many years by me and by carers. She is 98 and has been diagnosed with Alzheimer's for seven years. It is not getting any better as you may guess.

 

After one fall of many caused a broken ankle last year she ended up first in our local hospital, then in a Rehabilitation Unit, then in an interim stay in a care home for assessment and re-enabling and finally in a permanent care home.

 

To transfer her from the Rehab Unit to the Interim Care Home she was assessed and found not to have the mental capacity to make that decision and she was, after a Best Interest meeting moved very quickly to the interim home. We went through the same process when discussing her care after leaving the Interim Home, Mental Capacity Assessment where it was found she would not be able to decide in her own best interest and Best Interest meeting where it was decided she needed full-time permanent care as the LA would not be able to put in enough care at home.

 

At this time I explained that although mum owned a bungalow she had an equity release mortgage, taken out before my father died 15 years ago. I took on PoA about eight years ago. Mum has been assessed for the payment for the Interim Care Home stay which I understand and will pay (when an invoice finally arrives) and for the first 12 weeks in the Permanent Care Home again, I understand the formula they are using and will pay it when billed.

 

They could not find a home that could meet mum's needs for the rate the LA chooses to pay but the room she is in is at what the home calls Local Authority Rate. She has been assessed as needing to pay the full amount once the 12 weeks are passed. I have been asked as PoA to sign a form requesting a Deferred Payment Loan against the future capital from the bungalow. According to the formula in the "What is the Deferred Payments Scheme" paper they sent me they would calculate Mum to be in negative equity once the bungalow is sold. They are still asking me to sign but I am not a solicitor nor do I have any knowledge of the Care system other than what I have gleaned on the way. I think they will give mum/me this loan but it feels very unsafe to take it out. I feel we could end up with a debt we cannot pay if the house sells for what has been estimated as the value or less - especially with March and Brexit, etc. I have asked for a reassessment of what mum has to pay after the 12 weeks as the figures have been updated since the original assessment which was really a best guess at what the bungalow would sell for. At best she will only be able to fund a few weeks and I really could not have made it clearer that this was the situation from the outset.

 

How can they charge her when their own figures suggest negative equity. I am quite prepared to pay whatever the law says she should but I feel very out of my depth with this.

Help!

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Hi.

 

I'm so sorry that you're faced with this as well as worrying about your Mum. 98 is an amazing age but brings its own problems of course.

 

This is beyond my personal experience but I'll flag your thread for the site team in case anyone can add some input.

 

Hugs, HB


Illegitimi non carborundum

 

 

 

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One thought I've just had.

 

Have you spoken to AgeUK? My mother had dementia problems and AgeUK were very helpful to me. I rang the branch nearest to where my mother lived.

 

HB


Illegitimi non carborundum

 

 

 

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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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Hi.

 

I'm so sorry that you're faced with this as well as worrying about your Mum. 98 is an amazing age but brings its own problems of course.

 

This is beyond my personal experience but I'll flag your thread for the site team in case anyone can add some input.

 

Hugs, HB

 

 

Thank you so much.

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