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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

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Hi all,

I am having an issue with the landlord who owns the property below mine, who is refusing to pay for roof repairs on the property. We are both leasehold and these repairs are our responsibility.

Could anyone point me in the direction of the best forum, to find information on where I stand with this? Or even pass on some links for forum discussions on a similar topic, which might help me understand more?

Many thanks.

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Moved you to the residential forum.

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Sorry you haven't had many response please be patient.


Now you say you are leasehold as is the neighbour below.


How are you sure it was that neighbour holding up the roof repairs due to refusal to pay?


Who is the Freeholder/Managing Agent for the Properties?


What Action is the Freeholder/Managing Agent for the properties doing about the Roof Repairs? (have you raised your issue with them?)






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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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landlord of flat below is also a leaseholder? that doesnt make sense so no wonder you havent received much help.

there is an identical thread to this already running that is just as short on detail as yours, is this a duplicate thread?

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Hi Stu007,


Yes that's correct. I live in a converted property and are both leasehold for our flats. I know the other owner is holding up repairs, as I've been dealing with her directly on the issue.

The letting agent is doing nothing. I went to them originally about the problem with the roof, but they passed me straight to the other owner, as she wanted me to deal with her and is now refusing to take things any further. I own my flat and the letting agent manages the property for the other owner, who rents hers out.


There is an ongoing issue with a leak caused in both our flat by a third party, who came to do works in my property for pest control. The landlord of the flat below chose to pay for these repairs herself (I believe), rather than go through her insurers and is now trying to recover the cost from my insurers and won't discuss any repairs for the roof, until this is rectified. I'm also pretty sure that the insurers will not  be paying anything out to the other owner, as they have told me they can't find any evidence that I was negligent / liable for the damage, which means the other landlord will still refuse to pay her share for the roof.


The actual freeholder is also errant. I have never heard from them in the 15 years I have lived there and never been able to get in touch with them when I've tried, so they are not involved in this issue currently. I'm trying to contact them, as I'm not sure if they are liable for the roof costs, or if they just have to arrange repairs and the leaseholders then pay for it. So far we have just arranged and paid for any roof repairs ourselves over the years.


The other owner has a history of not maintaining their property though. They have never paid or contributed towards any maintenance to the communal areas of the property and her own flat is in a bad state of repair from the outside. Every time the roof has been repaired previously, she's had an issue with paying money towards it and just generally makes life difficult.

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