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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
BankFodder

Barclays breach of the Data Protection Act

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Dunno cactus, I won't step foot in Barclays again so I can't answer that, however, just a simple question, is it 40 working days or 40 days from when you sent the SAR request?

My 40 days aren't up yet but they have cashed the cheque which I sent but I've yet to receive anything, even an acknowledgement.

Is it only wise to call them once the 40 days expire? If so, what number would i call them on?

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Dunno cactus, I won't step foot in Barclays again so I can't answer that, however, just a simple question, is it 40 working days or 40 days from when you sent the SAR request?

My 40 days aren't up yet but they have cashed the cheque which I sent but I've yet to receive anything, even an acknowledgement.

Is it only wise to call them once the 40 days expire? If so, what number would i call them on?

 

40 calendar days from receipt of your letter at the Bank. Check with Royal Mail date of receipt and start counting from then:D


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Thanks Citizen, royal mail delivered it 10days after I initially sent it so because of that I'm only half way thro the 40 days even tho I sent it almost a month ago :rolleyes:

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Well the 40 days passed a few weeks ago, a cheque cashed but no letters from Barclays whatsoever. Final demand sent 2 weeks ago and nothing. No acknowledment from Barclays at all. Makes me so cross, so now it's time for the N1 form. If i contact the FOS am I still able to commence court action or do I wait to see what they can do?

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Well the 40 days passed a few weeks ago, a cheque cashed but no letters from Barclays whatsoever. Final demand sent 2 weeks ago and nothing. No acknowledment from Barclays at all. Makes me so cross, so now it's time for the N1 form. If i contact the FOS am I still able to commence court action or do I wait to see what they can do?

 

You can do both, but it would possibly be frowned upon if you filed claim in the knowledge that the FOS were investigating. Really depends upon them defending and the judge lottery.

 

Have a search of some other threads on here before issuing, there have been recent instances of DJ's treating as part 8 requests and this could leave you open to costs from the other side........ very unlikely but still a possibility worth a mention.

 

Gez

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Thanks Gezwee.

Am I correct in thinking that complaints about non compliance of the SAR request go to the the FOS and complaints about the breach of the data protection act as in sending me personal information that belongs to someone else go to the I.C?

Not sure whether to ask the FOS to get involved or go straight for court action.

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Hi Inertia

 

Information commissioners office for notification of someones elses data sent in correspondence..... I've had the same and by all accounts it does cause the creditor a headache once reported.

 

FOS for complaints, although they are pretty limp wristed and don't take the time or trouble to fully investigate - thats my experience of them for what its worth but others may have faired better.

 

I'd hang on for a little longer and wait for someone to offer their thoughts on your Barclays thread.

 

Completing the N1 is a pretty simple process and theres a template on Wiki for just such an action if you decide to go down this route.

 

Gez

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i wish if you could send me a copy of that letter that barclay says that they can give statements up to 12years back

thx

majeed1

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Hi Majeed,

 

The last post here was over two and a half years back.

 

Generally, Barclays will only supply data going back 6 years but they may provide older data if you take court action seeking damages for SAR non-compliance and an order to disclose the required data. See here - http://www.consumeractiongroup.co.uk/forum/showthread.php?364605-BARCLAYCARD-S.A.R-Confusing!!!&p=4013491&viewfull=1#post4013491

 

If you want to discuss your current problems, feel free to start a thread.

 

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This page make interesting reading thank you guys

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Hi Roken and welcome to CAG

 

If you want to discuss any topics or problems, please feel free to start your own thread in the appropriate forum.

 

:wink:


We could do with some help from you

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                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

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