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    • Hi guys thanks for the replies , i have had contact back from the local authority and these letters are all from tickets 4-5 years ago. I am going to file an out of time statement as soon as possible for them all as most of them ( not all ) are for parking at a street I was living on with the correct permits in place . As it stands will this company come and take my car ? 
    • Ok so I received a reply this afternoon from Lowell solicitors. Here is the full text: "We refer to the above matter and acknowledge receipt of your defence dated 15 May 2019. As the agreement is a telecommunications account, it is not regulated under the consumer credit act 1974 and as such copies of the credit Agreement or Default Notice are not available. Copies would have been provided to you when you entered the contract on 9 December 2011. The original Creditor, Vodafone has confirmed the last contact was on 09.02.15 where you had enquired about cancelling the second handset. No resolution was recorded on the account. Please find enclosed copy bills as provided by the original creditor detailing the outstanding amount of £303.89. Our client is keen to resolve the matter and will consider any reasonable payment or settlement proposal you wish to make. We look forward to hearing from you". I have gone through the bills and it looks like they've applied an earlier termination fee of £105.87 + outstanding call charges/line rental of £198.02 (total: £303.89) I am still confused as to why they've issued me with 2 Pac codes in December 2014? Also, there was no second handset purchased from Vodafone!!!
    • No disputes or anything just simple lost job couldn’t afford payments at time, sent token payments each month once sold to dca and eventually just forgot to keep paying each month.     Yes we also moved.    There wasnt any ppi on the cards that she can remember. 
    • I got one of those last month    Now got my PIP form.......   My B&W PIP test thingy gives me 14 daily & 10 mobility.    Going to be tricky at initial assessment, but if it has to be appealed then I've got 9-12 months to get my arguments together so..... mental health - wing and a prayer - https://pipinfo.net   I'm actually quite optimistic (in my fight abilities) and the time scales means it's do able if it goes to appeal. 
    • The women on desk said they should get them by tomorrow I have receipt with proof of sending with there address and postcode on for both yes I will get the cag budget sheet printed of just wanted to get letters sent would have cost me nearly 15 pound to get them sd didn't have the money on me at the time hopefully they will get them in time if not I have proof of sending them to show court that i did try She also said they would have to sign for them she put the sign stickers on them anyway
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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.
      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.

      Do you have a mortage arears claim to make? Then post your story on the forum here
        • Like
      • 0 replies

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Glad to have found this place. Looking forward to receiving some good advice for my consumer woes. Thank you.


Sweet Justice :typing:

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Hi and Welcome to CAG


Lets hope we can be of some assistance...posters await a response from you on your thread.





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