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    • just to check - is it best to send the sar in before any sale deal is agreed?
    • Good advice thanks very much. Are there any guidelines on how long they should take to send said transcript? I was quoted 28 days on an information request today...    I have just sent two secure messages to NW.   The first was to state that they did not follow my instructions from this morning when I cancelled the DD authority held with PayPal, as they allowed PP to reinstate this mere hours later. I gave them formal notice that PP have no authority to take DDs from my account and so I will seek reimbursement from NW should they allow any in the future.    The second was a formal request for them to re-credit my account for all DDs taken by PayPal in the given time period, in accordance with the DD mandate. Reason being that I did not give PayPal the authority nor instruction to take those payments by DD.    Will relay this to the manager tomorrow and ask for a transcript so I can complain to the FOS if this is not sorted by end of play. 
    • Its directions agreed between both parties how the claim will proceed in preparation for the hearing...Fast Track Directions are not set by the court as in small claims track.
    • Make sure to ask for the name of the person you are speaking to, as well as a full email transcript of the call. If they ask why,  tell them everything on the call is being copied to the FOS for a full official complaint. They usually shift pretty quick.
    • Was the claim dismissed or struck out ?  You keep referring to you " won " you got judgment ...a defendant cant get judgment ?   Andy
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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
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      • 0 replies

Give up Smoking – Quit Days

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We've just installed a little plug-in called Quit Days.

The idea is that if you are trying to give up smoking, you can keep track of the number of cigarettes you are smoking and the date that you stopped or reduced and the amount of money that you saved.

It's configured so that only you can see it – so don't worry about this being public.

It will be very nice if people who wanted to were able to show others how they are managing in their fight to give up smoking. I'm not sure if it's possible to configure the plug-in in that way at the moment. It seems to be that either everybody's quit days are published – or they simply remain private to each individual.

I figured that it will be more prudent to keep it private.

If we can find a way to allow individuals to decide whether or not to publish their Quit Days then we will change the configuration and let you know on this thread.

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I stopped almost a month ago after years of nicotine addiction. 

The biggest incentive was that someone told me that I didn't choose to be a smoker, but smart people made smoking attractive so they could make a profit.

OnceI was hooked on nicotine, they were quids in and i was a slave.

So lets fight the system and quit!

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I remember having my first cigarette when I was 8 years old - dad smoked 100 Senior Service per day back then, so the odd one going missing was never noticed, although he stopped just prior to having a stroke. The local shop used to sell 2 Woodbines for 6d. Eventually starting work allowed me to buy my own so a packet of 20 was easily achievable. Eventually time & events caught up with me and the heart attack was inevitable. That should have told me then I should have stopped but of course I knew better. I only stopped some 10 or 12 years ago and that was "by accident". The OH had to have stents in her legs so thought it a good time for us both to stop and decided to try a hypnotist.

We were both seen separately and OH came out and lit a cigarette up, I came out and drove round with an opened packet on the passenger seat for 3 weeks before throwing them out of the window and have never smoked since. Downside is I've never been away from the doctors surgery since, the smoking appears to have masked all the health problems.

The OH finally stopped some 6 months or so ago and now vapes for Britain. Hate to think how many cigarettes we smoked over the years and more to the point how much it all cost.

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This is a really handy little add-on. I'm not a smoker but I think with smoking less and fewer cigarettes each month can help you stop smoking. Just instead of smoking 3 cigs a day, smoke 2. 

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Closing in at almost 3 months without nicotine or any substitute and believe me, I had stressful days, very stressful!

I still consider myself a smoker (don't want to celebrate too early), but it can be done.

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Please fill in your quit date here

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