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you haven't got to be approved or seek approval from anyone on CAG to post here my enquiry was not put in any unpleasant manner, simply to understand the reason behind why I was having difficulty understanding the whole story. with regard to p'haps appearing unhelpful...you have to realise we get 1000's of complaints about default issues, most new users don't understand how accounts/credit files and all the various processes work that results in a default on your file and how to possibly get rid of and who your target might be. some people have some really wild ideas. CAG getting to the bottom of a story and clarifying a few things, when p'haps, as you have, you've jumped through all those hoops already, might seem we have an attitude and are being unhelpful, or dont believe you...but we don't/didn't know what you had done to date, and as said, trying to understand your posts was a wee bit of an issue, ok less of that dx...…….. if you have it in writing from lowells that they placed the default on the account. and that account had to whatever date never appeared on your credit file till lowells made that happen with the default. it APPEARS to me you have a very good case to issue a court claim for losses via a letter before action. however, have you to date not taken all of this to the FOS and or the ICO? they are both regulators in their own right and could resolve this now, you wont get the kind of compensation you ar after through them , but if lets say the FOS agree its all wrong , then that give you the firm evidence too take it to court. ………….…... I still don't quite full understand who took this account out and if it has anything to do with your business [es] or whatever as you mention a dissolved business bank account to do with 'whatever' with I still don't quite full understand who took this account out and if it has anything to do with your business [es] or whatever as you mention a dissolved business bank account to do with 'whatever' with orange and you..., but if you are 1000% sure its nothing at all to do with you, then p'haps the FOS might be your next move?
Well my court date is the 24th, which gives me 5 days and it's Easter weekend, so when I send it now will I be able to use it?? I have just looked through my lease agreement and there is nothing! About parking. Not a single thing. So can I use that?
exact wording of the Particular of Claim will also be helpful to rubbish it as suggested but that rarely wins a case even though it should. The contrcat and whetehr it was actually properly offered and accepted is the main point of this so if you cant see the signs from the public highway we want pictures of the entrance to the land that shows you cant see anything so cant consider and accept the offer. Multiple signs around the place dont count for much if there is no warning at the entrance
Cpm windscreen pcns - BW letter of claim - (residential car park) The citrus Building, Maderia road, Bournemouthanother one it to say "hold on I will go and get them" and then put the phone down to one side an get on with soemthing else. I think they like listening to the radio so put that on for them whilst you do your ironing or whatever.
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....
A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp bank complicity – coming soon @A_Gentle_WomanA 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/
Hot news for anyone who has suffered mortgage arrears charges, irresponsible lending or other unfair lender conductThe 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
30 Day Right To Reject - Vehicle Casualty Report. Read more at https://www.consumeractiongroup.co.uk/topic/415585-30-day-right-to-reject-vehicle-casualty-report/