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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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dx100uk

Brand new Claim Against Co-Op***SETTLED***

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2361 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

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Hi

i have been with the Co-Op since 1982

i have every statement

i have been unhappy for the whole of that time over charges.

 

thru the media & now thru recommendation i come to here

 

i am going to start the process.

i have not done any calcs etc

i have yet to read the stickys/FAQ.

 

maybe we can help each other.

 

i will document each step i take

 

i will start doing this over the xmas holi period.

 

if i have all the statements already, do i need to apply to the bank for them again?

 

where do i state my claim process?

 

thanks

 

dx100uk


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Hi DX100uk. Welcome to the family.

 

I would advise you to spend a few days reading the FAQs and the step by step guide in the library section. There is a shed-load of information available and the more you learn about the process the easier and more enjoyable the whole process will be.

 

If you have all your statements then you can start the proceedings by transferring the details of all the unlawful charges on to a spreadsheet, (see templates library).

When you have list of charges ready (your schedule) send the preliminary letter (also in the templates library) to the bank and enclose a copy of your schedule to support your claim. You should find the address on the top of your statements.

 

PLEASE NOTE. You can claim back up to six years charges. Any more is barred by the statute of limitations.

 

Post any questions and progress reports here, in this thread. You will be able to draw on the experience of other users who are dealing with your bank.

 

Good luck with your claim.

Regards, Rooster.

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thats a very nice reply & i thank you for it

i shall now move fwd to compiling those charges which cover that last 6yrs & get down to some reading

 

thanks again.

 

dx100uk


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ive done my spreadsheet from vampires site

simple compounded contractural interest one [the one vamp recommends]

£*****total amount + £***** int claim = £*****

is there any one that can have a look over it please to make sure + how do i do this , give people access??

 

regards dx100uk


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ok well i sat down last night and redid the figures using the figure of 16.9% and its £****

so the prelim & spreadshett are it the post this morning 1st class.

 

dx100uk:rolleyes:


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std apolo letter received this morning from coop

 

dx100uk


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ok, well just gnore it and keep on with your timetbale - when the 14 days expires, issue the LBA


Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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just looked at the A/C on line and they have re-paid my total for every charge i listed, inc the [serveral] £10 service charges & inc a £25 charge i know was for setting up my £1k O/D a few years back.

 

now, my next question then, tomorrow is [was?] LBA time, views on sending it & keeping the claim going to get the £500 odd i also wanted back for compound interest?

 

my thoughts are yes!

 

dx100uk


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You can only claim the interest if you go to court, is my understanding, and as they have repaid the monies owed you have nothing to take them to court for. Bit of a pain that, but I think that's the way it is.


Smile - S.A.R - (Subject Access Request) sent 28th Sept 2006

 

Full claim of £2004.25 paid into account 7th December 2006, 00:09

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thanks for that& the one in the other thread.

 

i'll leave things there then.

 

claim concluded ************ WON ************

 

dx100uk

 

percentage being paid to funds


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I'd double check that- I have never even claimed the compound, but it is my understandign you claim that from the beginning....I may be absolutely wrong though - do a search for a thread called "Why is nobody claiming compound interest?"


Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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Yes, my mistake: you can claim compound interest, but not the statutory interest. However, you will need to know what interest rate you were being charged at the time you were unfairly charged, then add that up. As Smile inconveniently apply their charges on the 21st of the month, it usually meant a few days of interest being charged up to pay day for me so wouldn't have amounted to enough for me to spend a day or so working it out, but that is a personal choice.


Smile - S.A.R - (Subject Access Request) sent 28th Sept 2006

 

Full claim of £2004.25 paid into account 7th December 2006, 00:09

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Yes same for me Robbie, personally I haven't claimed it.....but that is my personal decision!


Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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got a personal letter today regarding the refund.

 

signed by a Dennis Moffatt Customer Relations Officer

 

barring all the usual blerb about being sorry. a couple of bit might be of interest to people here.

 

As you are aware, the charges are valid & in line with the terms of your account. However having reviewed your A/C i can confirm the total charge of £***.** has been refunded to your A/C as a goodwill gesture.

 

Interest was not included in the Office Of Fair statement you refer to regarding default charges. I am, therefore, unable to meet your claim for interest. etc etc.

 

************

 

i have read a few choice letters on here and i think i am going to write to him back.

 

how can he say in one sentence 'they are valid' and in the next say 'they have been refunded'.

 

This interest bit is good too.

 

so it's ok for the bank to charge us interest when they lend us money, but not Ok for us to charge them when we lend them money!

 

thoughts welcomed

 

i have not 'stopped the clock' yet, though i've spent the money!! LBA was due on the 18th.

 

dx100uk:!:


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latest

i've written a letter to Mr Moffatt indicating i think it is unfair they will not repay the interest etc etc. giving 14 days before further possible action

 

see what happens

 

dx100uk


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Charge them at their unauthorised o/d rate.

We are.

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Un!Boy

Th thread is actually titled "Why is no-one claiming CONTRACTUAL interest?", and I would be interested to know who has made a claim for this and won it?

 

P


'Fortune favours the brave.'

 

 

 

 

 

 

 

Any advice given is purely on the basis of my own views and opinions and offered in good faith.

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well i just checked the A/C online & i've got another £50ish ADJ COMMISSION entry.

so something is going on, i'll have to wait for the exp letter, to see what it is.

now it is nowhere near my cont int figure i quoted them, but, if it is to do with my claim, then it must be some form of 'addition' ontop of the charges which they have already repaid in full [minus int].

 

the 14day deadline is near, so they might be wriggling a bit.?

 

got me puzzled as to what it in relation too..oh i cant wait for the letter, could this be the first sign of Co-Op returning cont interest?

 

dx100uk


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Well they have paid the interest at 8%

 

just got a letter from Sharon Rankin - Customer Complaints Manager.

 

usual blurb.

but with an added sentence which says:

 

Regarding the interest on the A/C. the Co-Op will offer 8% on the amount refunded. This is accordance with the FOS guidelines.

 

So case concluded.

 

mod can you please move this thread and mark it as closed.

 

thanks to everyone DX100uk

 

:lol: :lol: :lol: :lol: :lol:


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Well done thread changed to settled and moved.

Thanks for the donations...and of course your help in sticking with us.


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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here is the text of my 2nd letter for ref:

 

Dear Mr Moffatt.

I thank you for your letter dated 17th January, 2007 & I also thank you for the goodwill gesture of remittance to my A/C of £703.50, this I accept as partial payment in respect toward my on going claim against you.

I am finding it difficult to understand how a bank of such repute seems not to operate on the principles of "mutuality" and "reciprocity" mentioned in my banking contract with you.

I am fully aware that the Office of Fair Trading statement made no direct reference toward interest. However, it is respectfully my view that the sum above was unlawfully taken & was therefore the equivalent of borrowing by you, from me, over a period of up to 6 yrs. Thus this sum should attract some type of interest in my favour.

I will give you 14 days from the date of this letter to indicate some form of positive action on your behalf toward refunding the outstanding amount to my account.

Failure to do so will leave me no option but to start Court Proceedings.

Yours faithfully,

:twisted: :twisted:


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test

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test

 

:ohwell:


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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