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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
cuchiandme

late payment default help

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Can anyone help?

 

i finally got my credit record straight..

and then in february due to my S.A.D...

i missed a payment on 2 credit cards..

 

i got on the phone as soon as i could to get it sorted..

but at the time i was unable to do much..

because i was ill and sleeping a lot and i live alone..

its difficult to describe unless one suffers from this..

 

now to my horror after explaining everything ,

i found 2 late payment markers in that month one for each card respectively..

i am told this will stay on my file for 7 years...

 

i wrote to the companies..

received no reply only by email..

curt and standard,

that they wont remove the markers..

 

i am thinking this CAN be done but they are just not listening to the reason for the late payment..

only one in all the time i have the cards..

 

this will, i know affect my credit  adversely..

but will it be 7 years?

 

i called again today.. I

was told it would drop off after 9 months...

i  am thinking this is misinformation..

 

but i feel penalised for  being ill..

complaints are open on this..

would a letter from my doctor help?

 

i feel this is injustice... t

hough i know someone here will say..

its normal procedure..

and i was at fault..

 

still, im not just a number on the front of my credit card..

 

this is  a thing that happened to me..

but not deliberately..

and i feel i am not being  listened to on an individual level..

please help!

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I'm afraid that it is an extremely unforgiving system – regardless of fault. It's extremely unfair and frankly it is quite disproportionate but there is nothing that you are going to be able to do about it.

In terms of how long a late payment marker last on your file, I'm really not sure. Maybe somebody else can answer. I'm sure it is longer nine months and I'm sorry but I think seven years is correct. However if it's any consolation, a late payment marker is not massively serious – it's certainly not a default


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When I got my mortgage I was told that any late payment older than 12 months wouldn't be taken into account.  

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might explain a few things...

 

 

 

forget the calendar section...

only you and the debt owner can see that, 

 

is the status of the debt in the summary line showing as late payment?

 


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thanks for replies, always much appreciated.. the calendar section has marker for feby. i received another call from b.c. today.. they are trying to ascertain the reason for late payment.. she is going to review it again based on what i am telling her over the phone.. i told her i can get  medical proof for illness..she replied,  perhaps later they might require that. it tells me , they can remove it... based on the reason..this is a onetime late payment marker..otherwise my files are totally clean of problems, but this ofcourse is making an impact on my credibility.

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its not unless the summary line says late payment after the word status: XXXXX


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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Equifax shows yellow, and before was green..and i get a "fair" credit rating..and "ok"...not exactly  where i was

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ignore the calendar section no-one bar you and the debt owner can see that.

 

 

 


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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