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Shaunboy Vs Rbos

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Just Thought That I Would Let You All Know, That A Settlement Has Been Made Between Me And The Bank And, They Have Payed Out At Last. Took A While But Worth It In The End. The Thing Is It Is A Long Haul Don't Give Up To These People And At The End Of The Day It Is Your Money So Lets Get It All Back. I Would Just Like To Thank You All For Your Help And Support In All This Much Appreciated. A Big Thank You To Those In The Chat Room You Well Deserve It Cheers All Have A Great Xmas And New Year And Again Cheers

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    • Thank you dx, will replace with Hbos. Will get on mcol this week to submit.
    • Hi ericsbrother - thank you for this, definitely will start reading up on this! I have a couple of weeks before I have to upload the defence onto the MCOL website so perfect opportunity to get a bit more clued up. After I submit, is there an average timescale for what happens next? 
    • Hello ericsbrother - the CCJ awarded in 2015 is for exactly the same amount that they are claiming for in their recent CCJ awarded letters - it can really only be for the same credit card. Unfortunately, I just ignored any letters received in 2015.  I've checked my credit file again today and no new CCJ's have been added and there are no new upcoming changes - so not sure how they can claim they have recently obtained a CCJ.  I'm not sure what to do next when trying to fight my corner. I've read if I contact these companies then the clock starts ticking again and they have a further 6 years to chase me. I would appreciate any advice - thanks
    • If you feel happy about that – then yes. I don't see that there is any disadvantage at the moment.
    • sorry but you are missing the point about how the connections are made and their likely influence. It dioesnt matter it here are a hundred mats connected if the mains link going into the board is done incorrectly. also your use of wording such as "the installation" doesnt give much help, yes the fire started in the thermostat but WHERE ?  the board has a number of parts that get warm but the most likey culprit is hwere the mains is switched on and off and that is the bit that is doen by the installer.  generally you will have a neutral tht stays "on" all of the time and mains that goes into a switch that is connected to the sensors that then  switch the power on and off whilst stioll using the live unswitched connection to provide the current for the low voltage parts of the system. It is qwuite easy to misred the installation of this as the same board may be used for several differnt systems and thus the links need to be made in a different configuration for each system. Confuse type 1 with type 2 and you may well be passing a current permanenty though the system causing it to heat up to a point of no return. that si why you need to get a decent copy of the circiut diagram (not the installation diagram) from the makers so you can pass that on to your tame electronics bod to see what they make of the remnants
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    • 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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    • 30 Day Right To Reject - Vehicle Casualty Report. Read more at https://www.consumeractiongroup.co.uk/topic/415585-30-day-right-to-reject-vehicle-casualty-report/
      • 57 replies
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