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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

RBS Claim - help please

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Having now received copy statements back I have now calculated that RBS owe me in the region of £2,200, HOWEVER....about last June I had a dispute with them over £90 worth of fees taken from my account and they would only refund me the £90 if I signed a form saying it was 'full and final settlement' for all fees charged by them. At the time I urgently needed that money so they had me over a barrel.


Will this hinder my claim or even bring it to an immediate halt??? I am sending off the first claim letter today asking for the money back but will this document I signed last June come back to haunt me?


Will still send off prelim request but wondered how this would affect things.

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HI! They might try and force the issue but, they cannot make sign away your legal rights!

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They most probably will try to hold that over you but they ca'nt make that one stick you can claim you sighned under duress that will cancel that out no problem,in other words it was pre meditated blackmail, they knew there was a possibility of you making a full claim, and tried the umbrella trick, carry on with the help and advice on how to go about it from the forum help threads



Sparkie 1723:)

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Thanks TC & Sparkie,

Prelim Req has been sent so I will keep you updated on their response.


For what it's worth, the arrogant attitude of RBS towards me as a customer over the last few years has galvanised my resolve and I am prepared to fight tooth and nail for what is due to me. RBS have been getting away with it for too long now.

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Can you believe the saucy g!ts at RBS!!!!

Having cashed my S.A.R - ( Subject Access Request) request cheque for £10 they have now taken £5 from my account as a 'historic statement fee' as well. Surely they can't charge me twice, I thought £10 was the maximum they could charge for providing this data.

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Hi Ladles


I am in about the same boat as you, I settled for the full amount of my claim back in July 06 for about £850, but also signed a letter stating all future charges would stand. However we also ALL signed the T & C's when we opened out accounts but that didnt stop them from paying out all these claims so far!!!

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