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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
Francis1945

Using three lions chambers DMP

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Hi

I recently contacted a firm of barristers to consolidate and help me get rid of my debts.

 

However I'm not sure I've done right thing

I'm paying 85Pound a month for 2 years

at the end of which I will continue to pay a bit less.

 

I'm not sure where all my money goes as I didn't fully understand.

Would I have rights to cancel with them

 

 As I'm still getting letters from creditors and have to explain that I have TLC acting for me.

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You'll have to tell us a lot more about your debts and who TLC is and what the deal is.


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My debt was in total £5000

I saw advert saying write off debts government backed.

 

I entered into contract and pay £85 a month for 2 years then after that was told it would be less.

 

I think three lions chambers takes fee but not sure.

 

I still keep getting letters from my creditors asking for payments.

 

I dont know if I can cancel with them they are barristers based in Birmingham. 

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Hi.

 

Are you able to post a link to the advert you saw please?

 

HB


Illegitimi non carborundum

 

 

 

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dump then do it yourself!

and I bet they didn't even bother to check the enforceability of the debt either!!

 

list them please

dx

 

 


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3 hours ago, honeybee13 said:

Hi.

Are you able to post a link to the advert you saw please?

No it was an advert saying write off your debts legally while I was browsing internet.

There on all the time sorry

How do I do it myself haven't circa clue

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On 05/12/2018 at 17:31, merlin100 said:

Hi guys, nice to be here again.

Just after some advice because I smell a rat!

 

A family member is looking to enter a DMP.

He’s found the above firm online and approached them.

 

They purport to be a firm of lawyers/barristers and are relatively new so there’s not a lot of information on the internet about them. However, I’m extremely dubious regarding their methods, this is what they’ve told him so far-

 

In the first instance he stops paying his debts now and they give him a reference number to quote when the phone calls start.

 

He will pay nothing to his creditors for the next 12 months but he will pay a £120 per month fee to them while they approach his creditors.

 

They also talk a lot about challenging contracts, interest rates, irresponsible lending etc, but nothing initially about debt management.

 

After the 12 months has elapsed, they then consider his/their position regarding any successes of freezing interest, debt write-off, lowered payments etc and decide a way forward that “could” result in a debt management plan.

 

oh yes, he was also told on the phone that they could “almost” guarantee that 80% of his debts would be written off.

 

Now I know you are all going to say that this is one big s*@m, and I totally agree with that. But I would like to hear any thoughts on this as to be honest, I’ve never heard of anything like this before so any experiences would be gratefully received.

Thanks all

I am using these atm and dont know if I've made right choice. Dont know if I can come out of contract with them do you have any advice please

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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

 

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If you want advice on your thread please PM me a link to your thread

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very easy to do it yourself..we'll help

write to them CANCEL the DMP.

 

can you list your debts please

 

original creditor

what type of credit

when taken out

outstanding balance

defaulted date from your credit file

whom you pay now

 

……………...

 

post moved to your own topic

thread title updated

 

 


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Apparently l could only cancel within 24 days. I've being paying since February this year. So dont think I can get out of this contract with this barrister. I've just emailed him asking how much the fee is and how much going off my debts thanks

Sorry that should read 14 days

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What have you signed with them?

 

HB


Illegitimi non carborundum

 

 

 

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A contract of authority it was one sent to my phone not paper one was quite lengthy to read

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And was there a way to sign this contract?

 

HB


Illegitimi non carborundum

 

 

 

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Had to do signature on phone 

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just stop paying as simple as that.

whatever it is will fail.

nothing they can comeback to you upon.

dx

 


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I cant they are barristers I'm tied in with them it's ok I've been in touch with them. I pay them monthly and they get 85% debts written off hopefully. Thanks for your advice. Its early days yet only been cosying since Feb 19

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rubbish!!

 

what have you signed up to?

a DMP?

an IVA?

 

either way only a court can compel you to continue

stop talking to them..DUMP THEM!!


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Its neither they look into getting my debts reduced. I have employed them apparently and they look at getting rid of my debts for me .I cant send email to you as an attachment. Sorry 

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cover the email to PDF

read upload

 

dx

 


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Who are the companies you are paying through 'whatever ' it is ..name them please..

 

bet they are DCA's not the original creditors...

you are being had blind

and the barrister is getting his cut too

on debt you most probably dont even owe!!

 

Dx


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Hi Francis,

sorry Ive only just seen this but Ill tell you what has happened to date.

 

As Ive already said,

my son began paying £120 a month to them with very little understanding of what they were supposed to be doing other than some vague promise of having some of his debts written off in the near future.

 

At that time there were also vague promises of some sort of DMP being set up after 12 months of him paying this money but nothing was ever put into writing - it was always promises by phone calls.

 

He had 9 separate creditors amounting to around £9000.

After 5 months only 4 of the creditors were willing to deal with 3 Lions,

the others wouldn't recognise them as a debt management firm and were constantly calling him and sending the usual threatening letters.

 

Once we got to the bottom of it,

it turned out that the £120 a month for the first 12 months was just a fee they charged to look into his contracts and see if they could be voided in some way.

 

But after that 12 months had passed,

they were not very forthcoming on whether a DMP or other form of debt management plan would be put into place. It didn't fill me with much confidence.

All they ever told him when he rang was not to worry, they were sorting it!

 

Luckily, in their original contract (then), the option to cancel at any time was available which I also thought a little strange coming from a team of barristers.

 

We cancelled the contract but by this time some of his creditors were threatening court action so we got in touch with Stepchange.

They were pretty good and acted swiftly.

All his creditors had to accept them, the letters and threats finally stopped.

 

Although he was only around £9000 in debt, he was paying just over £1100 each month out.

Stepchange reduced it to £247 a month.

 

Lesson learned!

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and now sent everyone paid through step change a CCA request

those that fail the 12+2 working days deadline

you cease payment too.


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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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Thanks for the advice dx, that's coming next because some of them are dubious loan companies.

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