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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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      • 0 replies
DCF88

ecarsuk/RS Cars - Advice on small claims on faulty vehicle

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That's why it's very satisfying to put the sheriffs in to enforce against somebody who has really treated you in a very dismissive way. I'm afraid that the County Court bailiffs have comparatively little teeth and also they don't levy this fee at all.


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Incidentally, if they do manage to enforce the judgement it could be that they are offered a cheque for the money. It is highly likely that the sheriffs will phone you and ask you if that's okay. The answer has to be a definite – No. It's either cash – or equipment/vehicles.

If you are prepared to accept a cheque you could find that you have been given a bouncer and then you have further complications to deal with.

Cash only.


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16 hours ago, BankFodder said:

Incidentally, if they do manage to enforce the judgement it could be that they are offered a cheque for the money. It is highly likely that the sheriffs will phone you and ask you if that's okay. The answer has to be a definite – No. It's either cash – or equipment/vehicles.

If you are prepared to accept a cheque you could find that you have been given a bouncer and then you have further complications to deal with.

Cash only.

 

Very good point which I thought about a couple days back actually, I didn’t know if I had a choice in the matter of how I receive payment but if I do then yes cash would be the obvious answer.

 

Ive kind of told myself that he’s going to wriggle out of this so receiving any money from him doesn’t really come into my thinking at the moment.

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Also the other thing whilst all this is going on I am still paying out tax and insurance on the car, when could I possibly end this?

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I can't give you an answer on this.  The risk is that while the car is still technically yours then you will have certain liabilities.  

It's not a nice position to be in.  I'm sorry


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19 minutes ago, BankFodder said:

I can't give you an answer on this.  The risk is that while the car is still technically yours then you will have certain liabilities.  

It's not a nice position to be in.  I'm sorry

 

Yeh understood, just have to suck it up for now. At what point is that car not mine is my question I guess?

 

Even if he paid, I still have the logbook in my name at that point.

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Maybe @Chuffnut or @Manxman in exile or @Dodgeball can chip in on this


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OP - Hope you got this resolved during the last week.

 

If not, I would only add that HCEOs should be able to take an electronic debit card payment (not credit card) which I presume is as good as cash.

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On 05/05/2019 at 08:40, BankFodder said:

Maybe @Chuffnut or @Manxman in exile or @Dodgeball can chip in on this

Don't you think it would be appropriate to update the 

with the correct info re rejection ? You are still promoting misinformed bad advise. You aren't helping consumers. You've admitted your wrong (with no appologies) to retailers, do something about it Bankfodder.

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10 minutes ago, stinky-pants said:

Don't you think it would be appropriate to update the 

with the correct info re rejection ? You are still promoting misinformed bad advise. You aren't helping consumers. You've admitted your wrong (with no appologies) to retailers, do something about it Bankfodder.

 

You are quite right. Please would you mind crawling over the site and finding anyplace where you think there should be changes and flag it up to us with a suggested form of words and will have a look.

Thanks


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On 13/05/2019 at 12:09, Manxman in exile said:

OP - Hope you got this resolved during the last week.

 

If not, I would only add that HCEOs should be able to take an electronic debit card payment (not credit card) which I presume is as good as cash.

 

Hi, I have today been notified that the high court writ is received so to expect 13 more days before they can actually attend his location. 

 

I can see @BankFodder has tagged you in a post above, are you able to advise on how I go about ownership of the car in this situation, when do I actually not own the car anymore which would enable me to then cancel insurance, tax etc on it?

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Can't really help I'm afraid.  BF thinks I know about cars because of an exchange we had on another thread, but I don't (apart from common sense!)

 

What I would say is:

 

1. I presume you will want to retain ownership until you've got the judgment paid

 

2.  Then you want to make sure you are no longer the registered keeper.  Look on your V5C and it should tell you what to do if the car is returned to trade (I assume this is how this should be interpreted).  In any event make sure DVLA know you are no longer the registered keeper.  Might be an idea to call them for advice - though I understand they can be hard to get on the 'phone.

 

3.  Not sure how ownership formally transfers eg is documentation needed?  Note the registered keeper is not necessarily the owner of the vehicle - in fact the V5C says it is not evidence of ownership.

 

4.  Also not sure about how the insurance works.  If you are no longer registered keeper, does that mean you are no longer responsible for insurance?  Or do you need to transfer ownership first?  You could try asking DVLA about this too.

 

5.  There is a DVLA board on here where you could ask for clarification on these questions.

 

As I say I'm no expert so I wouldn't describe the above as "advice", but it may be a starting point for you.  I'm sure other posters are in a better position to give advice you can rely on - don't rely on me!

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14 minutes ago, Manxman in exile said:

Can't really help I'm afraid.  BF thinks I know about cars because of an exchange we had on another thread, but I don't (apart from common sense!)

 

What I would say is:

 

1. I presume you will want to retain ownership until you've got the judgment paid

 

2.  Then you want to make sure you are no longer the registered keeper.  Look on your V5C and it should tell you what to do if the car is returned to trade (I assume this is how this should be interpreted).  In any event make sure DVLA know you are no longer the registered keeper.  Might be an idea to call them for advice - though I understand they can be hard to get on the 'phone.

 

3.  Not sure how ownership formally transfers eg is documentation needed?  Note the registered keeper is not necessarily the owner of the vehicle - in fact the V5C says it is not evidence of ownership.

 

4.  Also not sure about how the insurance works.  If you are no longer registered keeper, does that mean you are no longer responsible for insurance?  Or do you need to transfer ownership first?  You could try asking DVLA about this too.

 

5.  There is a DVLA board on here where you could ask for clarification on these questions.

 

As I say I'm no expert so I wouldn't describe the above as "advice", but it may be a starting point for you.  I'm sure other posters are in a better position to give advice you can rely on - don't rely on me!

 

Thanks for the help, much appreciated.

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21 hours ago, BankFodder said:

 

You are quite right. Please would you mind crawling over the site and finding anyplace where you think there should be changes and flag it up to us with a suggested form of words and will have a look.

Thanks

It's not for me to crawl over your site, that's for you to take responsibility and ownership. I'm very surprised you haven't already taken ownership in this matter and updated each post where you have stated a buyer can simply reject a car within 30 days.

 

Don't you think it would be pertinent to update those posts with an acknowledgement your advise was wrong. I think that is the very least you should do. I'm thinking of all those people who are currently pending a court case with a belief their case is based on the correct advise, when its been in fact totally wrong. 

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I think the only issue with that is that the site is voluntary run

 

It relies on people helping between their day jobs and to be honest between other things that they have in their lives as well

 

I'm sure things will be updated but it can't be expected to be instant unfortunately 

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Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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Small update,

 

defendant has actually wrote on the judgement letter ‘THIS COMPANY IS NOT IN BUSINESS’ which has returned the letter to the sender which in turn has been sent to me.

 

Ive informed the enforcement officers who have basically said ignore it as he’ll have to prove this when we attend his address. He’s obviously in a rush to shut this company down and trade under a new name which isn’t good news for myself.

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Thanks for the update.  I suppose that it is not unexpected


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