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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
      • 0 replies

Recommended Posts

Please anyone advice me on what I need to do.

 

Just had a bailiff at the door

I don’t know from what company

he just asked for me and then told me I had 3 warrants out in my name and I have 5 days to pay or I’m being taken to court.

Well that was it for me I don’t remember any of the conversation after that anxiety hit me like a brick I am sufferer also with depression.

 

I do remember telling him I’m on universal credit.

He asked for proof I showed him 

I’ve never worked always been on family credit

 

I care for my disabled son. Who receives DLA

apparently I’ve no council tax relief in place

I should of applied when they switched me from tax credits to universal

didn’t know this

 

I feel so sick and trying to calm down

sorry if this doesn’t make sense 

 

Ive had no ctax relief since October

before that when I was on tax credits and I worked briefly for 3 months but had to stop due to my son not coping that was December 17

I put in a claim but told because I had my own business even though not earning from it I could not claim relief

 

I’ve managed to run up arrears

I don’t have the money to pay

I’ve rent arrears and possible eviction I’m dealing with

 

struggling to cope my husband just come out of bankruptcy where we were assessed to not having enough to live off.

He works but doesn’t earn a lot

 

our main income is benefits

he has anxiety disorder also

 

I don’t know if I’ve received letters because I just don’t open my mail anymore

i just can’t face it

it’s my fault I’m in the mess I’m in

I just need to know what to do next and try deal with it best I can.

 

He said I could go to prison if I don’t pay in 5 days thats not an option.

My son wouldn’t cope well with that and wouldn’t help my own anxiety worrying about him. 

Thanks for any help offered. 

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Ok, listen to me, I was 5 k behind in council tax, and had the same problems as you.

 

The prison thing is nonsense, firstly.. if it was true they would be overflowing.

 

Email and phone call to your local councillor / elected head of council right now, explaining your situation, i mean everything. They will have this sorted out in a few hours

 

Plus, you send a doctors / consultants note to your council tax collections department, telling them to back off.  When my wife was on chemo, we had these idiots knocking at the door, this is exactly what i did, the bailiffs were taken off the case and all charges cancelled.

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Thank you soon as I calmed myself down and look into who I should email. I don’t take medication at the moment I used to I try to mange without and been doing good although thinking I’m needing it right now my husband does and my son has extreme anxiety due to his autism so glad he isn’t here right now 

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Ok,

 

No need to be worried, trust me.  Make sure you explain everything to your local councillor, copy in the head of council.  They have absolute power over collections and Bailiffs.  Please do this today, for a quick resolution. Let us know what happens.

 

In fact if you Google, you councillors , they should have mobile numbers etc. Call them also, that's what they are there for.

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Posted (edited)

Make sure you ask the council for an application for Council Tax relief, and ask them to backdate (they might consider a backdate if your local council member is kicking their backsides) also wonder if Capita are running the Revenue back office for that council  What council is it?

Edited by brassnecked

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 OTHER

 

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

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Ok emailed councillor not sure if I made sense I’m still all over the place explained best I could so I guess I just wait now

thanks so much the prison but made me spiral a lot you’ve put my mind at rest thank you again 

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Posted (edited)

Wait 48 hours, then re send the email to follow up. Also make sure that at some point you complain about them threatening you with prison, that can wait for now though.

Edited by London1971

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Hi 

I’ve filled in online application earlier maybe i ll print one and send and ask for back date it’s sefton council. 

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It really is important that you speak with the Sefton Council. How much is the bailiff requesting from you?

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Any updates here?

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