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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
Asma2019

Bluebadge confiscated!

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Hello.

I have a question.

I have been sent an interview under caution regarding bluebadge misuse.

I parked in a disabled bay and my son was not with me at the time as he was ill

I went to collect medications for him as well I dropped my nephews who were attending local tuition classes so my sister could look after my unwell disabled son.

At the time the badge was not displayed however I was in the car parked in the disabled bay.

Parking officer approached me and asked me whether i had a bluebadge.

I said yes and he asked me if he could have a look at it.

I gave the badge with confidence.

He said who's badge is it and told him that it was for my son and I'm the named driver on this car.

He said that he will confiscate as I was misusing it.

I argued and thought I was right to say that how can my 7yr old son drive the car by himself?

The officer said that my son had to be with me at the time of use. 

Long story short.

I have recently moved home and my previous area that I lived, it was uncontrolled zone and all amenities including shops schools etc were nearby. So I'm not used to use the badge most of the time unless my son got hospital appointments. My driving was very limited. 


To be honest I was in shock this morning as I received a letter saying that I need to attend an interview under caution.

I feel like I committed a crime.

I have never gave the badge to anyone else and never knew I couldn't use it when my son is not with me. 


What advice would you give me?

Will I be sent to prison?

Will i be taken to court?

I'm in total shock as I have never encountered with any convictions before and now I feel like I'm the most wanted one.


Plz any advice.....I would appreciate.
TIA.

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I've moved you thread to a more appropriate forum.

no you won't end up in prison.!!

it was for the benefit of your son.

you have a copy of the prescription, that should do.


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Hi

You need to to have a good read of the Blue Badge Scheme:

The Blue Badge scheme: rights and responsibilities in England

The Blue Badge scheme: rights and responsibilities in England

Question? was the vehicle used by any chance a Motability Vehicle


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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

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Yes it is a motability  vehicle & I'm the named driver. That day I made shopping and also got calpol for him over the counter as my son was unwell and gets hayfever very easily.

The issue with  me is that I didn't read the booklet that came with the badge since a relative opened when it arrived. As I was in a abusive relationship in which (thank God) I now have nonmolestation order in place.

I argued and thought I was right to say that how can my 7yr old son drive a car!
 After some research I noticed that the officer was right. I was honest but now know my ignorance and learned my lesson. If I was cheating I would have made story up but I was confident enough to argue thinking I was right😊and the car & badge were linked so that they could check, but now I know they are two completely different things.

 

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Hi

This is why I asked if it was a Motability Vehicle.

What you need to remember is that the Motability Scheme Rights & Responsibilities are completely separate from the Blue Badge Scheme Rights & Responsibilities.

Using the Car as you did you were correct for the Motability Scheme side but as the enforcement officer wasn't not on about the Motability Vehicle but the Blue Badge this is where it changed as the Blue Badge Rules are different.

Have a good read of the links I provided about the Blue Badge


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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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Thanks for your reply. Do you think they will prosecute me for not knowing what I was doing was wrong? If so, will they ask me for a heavy fine or will they revoke the BB? Should I get a lawyer?

I'm worried really.😢

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All no.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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I would avoid telling them that you didn't know.

Do you really think they would accept that you, a non disabled person, believed that you were entitled to park in a disabled spot just because you have a blue badge?

Considering that you know that the blue badge holder is your son, makes the all story very non believable. 

I suggest you go there, apologise profusely and hope they have mercy.

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Posted (edited)

Were you actually displaying/using the badge at the time you were asked for it or was not on display?

The way I read your post is that,  it was not on display, as such I would question the legality of the confiscation, because if you were not displaying and were parked in a disabled without displaying it then you have not misused it. If it was a council car park you would just have to pay the fine for parking in a disabled bay without displaying a blue badge.

The parking officer asked if you had a blue badge, not if you were using one, their is a difference and that  would be the defence I would use. "I had parked illegally and was asked if I had a blue badge and I said yes, officer asked to see to it and I showed it him, I wasn't actually using it at the time, nor had I displayed it when I parked up, as such I have not misused it, I just parked incorrectly. The officer did not ask me if I it was displayed just if I had one."

Edited by tomtom256

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