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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.
      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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      • 0 replies

Help £10k card debts

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I require some advice please. I am currently in around £10000 worth of debt spread across 3 credit cards. I can make the monthly payments but the interest is wiping out any payment I make each month, subsequently I am unlikely to ever pay these off fully.


Is there anything anyone can suggest to get me out of this hole? I have tried loans but where my credit rating is not that good I have been unsuccesful.


I'd appreciate any advice.



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Can you give a little more info please?


Are the debts with the Original Creditor or are they with DCA's and names if possible.

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The debts are with Egg, Virgin(MBNA) and Halifax.

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If you haven’t already done so, write to them all with your I&E and offer the payment you can afford, even if its £1.00pm and ask them to freeze the interest.


They will, at the end of the day have to accept this. They know, that if it gets to court they have to show that all that is possible has been done.


Don’t telephone these companies and insist on contact by correspondence only.


If you consider the balances are include charges then claim those back to reduce the debt

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ok, cheers for the help. I'm sure I can claim back quite a few charges.


One more thing though - Do I have to prove that the amount I offer them per month is all I can afford? Could I offer them £1 even though I can afford more?

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Send these companies what is called an SAR, a template for this is in the library.




Also, write to them explaining that you disagree with the outstanding balance, this in effect places the account in dispute and will be put on hold for at least 28 days. When an account is in dispute, you are entitled to withhold payment until corrected.


Be honest with your I&E, as it might backfire, although I do realise circumstances can change for the better.


Other letter templates are here



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Cheers for that. Is there also a template for the Personal Budget sheet?


Also, how can I determine what is a reasonable standard of living amount? I could obviously work out how much I have to pay to my creditors, but I could never account for all my earnings. I still have to live.


I basically earn £950 a month - £275 for rent + at the minute there is about £60 to Halifax, £90 to Virgin and £90 to Egg + a Loan from Smile, which stands at £88 per month. That leaves me with £347, so in theory I could still manage the payments to each of my creditors. My main conxern is that I can not afford the interest payments.


How could I deminstrate that I need £347 or more to live on?



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I&E’s are always a person thing, however saying that the government has set minimum allowances/amounts for individuals, couples and families to live on.


If you contact CCCS or National Debt Line they will be able to give you the up to date figures, which by the way are excepted by the courts.


Below is an example I used recently for a working couple with no children. If you have children other allowances are allowed.



Expenditure Monthly

Rent 275.00

Council Tax 81.00

Water Rate 32.67

Fuel 53.00

House Keeping 232.00

Telephone 39.00

TV Licence 10.00

Travel Expenses 82.40

House Insurance 62.00

Emergencies 20.00

B/day Xmas 12.00

Other 12.00

Total £911.07

Income £950.00 - £911.07


Disposable Income £38.93


You then pay your creditors from the disposable income on a pro-rata basis.

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What Turnaround has told you is exactly correcxt. Your I&E includes what you need to live on and the cresitors get the balance. Your budget must be workable and realistic as you will have to stick to it for a long time to clear your debt. have you any items you could sell to pay off some the debt - car boots - e-bay etc can bring in a fair amount.


At the moment it will take you 21 years to pay off what you owe, which is not realistic. You do not have enough suprplus to consider an IVA.


Do a persaonl budget sheet and come back and we will see how we can help. Do you have an estimate of how much you wil lbe reclaiming in charges>

Consumer Health Forums - where you can discuss any health or relationship matters.

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