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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
martynh99

Martynh99 v One Account (RBOS)

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I have a One Account that is owned by the RBOS.

 

On the 20th December, I put a forward payment into the account via online banking to make a payment to Capital One to arrive on the 2nd Jan 2007. I specified the date for the payment to arrive at Capital One, not a date to leave.

 

The payment left my account on the 29th Dec and arrived in Capital One on the 3rd Jan 2007, this has now incurred a £12 charge on the Capital One account.

 

I have explained this to the One Account and they say 'In relation to your recent transaction to Capital One I can confirm that on the reverse of your bill it does state that you need to allow five working days for the payment to be received. You will need to send the funds to arrive five working days before the payment is due to ensure you do not receive a late payment charge. Please contact Capital One and explain the situation and ask them if they would re-imburse your account with the charge.'

 

I have made it clear that if I make a forward payment stating that the payment should arrive at the recipients account on the 2nd Jan 2007 then they are ultimately responsible for ensuring it arrives in good time and that if they do not re-imburse me, I will pursue this via the Small Claims Court

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I think you will have little chance of success in getting RBOS to reimburse another banks penalty charges. However, whether the payment was late or not, it is Capital One who have levied the unlawful penalty charge. I think you should contact Capital One to get the charge back and if they refuse, take appropriate action.

 

Dont want to seem negative, just giving my honest opinion of the easiest way to get your £12 back.

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Stansfield5131 - Thanks for the feedback, on reflection i'm going to attack this from both sides. The One Account was easiest as they have a contact us facility in their online banking.

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Marty, they will fight this tooth and nail and it will be really difficult for you to prove what was actually said in the phone call. Your best chance is with Capital One.

 

Just hoping to make your life a little stress free :D

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Beauty of it is the transaction was done on line so I have the proof of the transaction I made. I also have the benefit of working for one of the banks(in IT, CAG are aware) and have worked on the transfer systems so have an idea of how they work.

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Good luck Mart. Keep us posted.

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Had a letter today from One Account - saying they're looking into this and have ordered a CICS report showing what I did online on my account on the 20th December and that they will get back to me by the 24th January.

 

Seems they may be taking me seriously now. :wink:

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Had another letter today - they're refunding it !

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