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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
        • Like
      • 0 replies
Dale Humphries

Another very unsatified ASC Finance customer!

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Hi, wish I'd read the review here first! Well here's my experience with ASC Finance, hopefully it will help others from using this company and making the same mistake I did.

I approached ASC for help with a small commercial Loan. ASC Only provided a handful of loans (have since found loans with better terms myself). The lender went into liquidation at the 11th hour - ok not ASC fault, but how they dealt with it was.
I was told either to 'wait and see' - something I was unable to do as searches were completed and have a finite life (so approximately £3k would have been wasted) 
Or take a very unfavourable loan. So, pressured into tying myself into an unfavourable mortgage for 20 years.
In the end I found finance myself, however ASC have refused to refund either the £495 initial consultation fee or £1915 that was paid for loan offer that never materialised. £2410 in total for nothing apart from additional time and stress, something they were paid to reduce! 
That's £2410.00 to broker a loan for £115,000, a loan that they never provided! After reasonably and politely requesting the £1915 refunded (not even the full amount) this has been refused.
Avoid at all costs

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Hi Dale and Welcome to CAG

Do you intend to litigate to recover your losses?

Andy


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 Andy,

My Complaint has been escalated to their head office, but yes if a satisfactory outcome is not achieved I would consider the small claims court on the basis fees were paid, but the agreed service was not provided.

Infact what service was provided caused more stress and time delay than if I had approached lenders myself.

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Sure thing......please update your thread with what transpires and if you need advice on issuing a court claim.

 

Andy


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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After being met with arrogance, contempt and a refusal to admit any wrong doing by ASC's head office, I have escalated my complaint to their trade body the NACFB.

My complaint was reviewed by one member, who dismissed it without addressing any of the points I made as to specific sections of the NACFB codes of practice that I felt ASC had broken (8 sections).

Quite surprising from an organisation that states its primary objective as 'to maintain, promote and when necessary enforce a code of practice'.

 

The member also did not advise me I had the right to appeal his decision, although their code of practice clearly states a complainant has the right to appeal.

I have now appealed, but don't hold out much hope, from my experience so far the NACFB seem to be a self serving organisation, only interested in receiving subs and protecting their members - as opposed to their primary objective of upholding their code of practice.

 

It very much feels like I'm battling against an old boys network who are determined to cover eachothers back, and as I said, treat with contempt and arrogance anyone who dares call them out when they treat clients like dirt. 

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this is why in other areas that have trade bodies we often recommend ignoring their existenece and go straight to a civil claim. You save time and you dont tie yourself up.

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