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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
mike dobson

Mike Dobson v RBS

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Hi ,I've just joined , What a wonderfull world this is ( CAG ) , I've just posted my first letter to the RBS, and had no response, well there's a surprise !!. :D I have taken many people to the small claims court, my accountants, solicitor, builder and a previous bank, its exilerating, I hope the RBS ALLOW me to take them to court, please !!. Not sure how much of MY hard earned money they have taken off me , but whatever it is it will go toward my Xmas fund, and I'll pop a little into comic relief . Don't be put off if you have to appear at small claims court , just be prepared statements , schedule of charges etc etc, personally I would place an action on my local branch , should you have to attend court you want it to be local, not be travelling great distances, although you can claim expenses against the bank (must be done at action time )for attending court. Consider it good experience for the next one!!. I dohope there's a next one,.......I'll keep you posted on how I progress, What a wonderfull world this is,.............( keep it up CAG ) I will enjoy!:cool:

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Welcome and good luck, my claim involves the Limitation Act 1980 and yes your right it is a experience attending a hearing, i was in court on the 6th Nov with RBS this has been adjourned to the 11 Jan.

 

I don't think anyone will get the chance to take the banks on in court if it doesn't involve the Limitation Act because they no they're on a loser, pitty.


An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Out with my daughter and her Hubby last weekend , mentioned the CAG and action aginst RBS, they have had lots of problems with banks and charges. Pointed them in the direction of CAG, and will encourage them to start an action, and if need be help them on thier way. Have now forwarded request for charges to Halifax account we've had for some time , again not sure wahat charges applied but , worth a try, after all its my money.Mike D:D

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As yet not heard anything from RBS , no surprises there :rolleyes: . So telephoned to make sure they have received my hand delivered letter , yes they have , and it has been forwarded to the department that deals with " THOSE SORT OF THINGS" I'll keep waiting.:D

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