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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
dixie dean

Move to High Court - I'm ****ting myself!

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Just received a letter through the post this morning saying my mates case has been moved to the High Court! It gives a court date of the 7th Feb and says is transferred to the High Court, Queen's Bench Division (Mercantile Court), although it says they will remain in and be dealt with by the Leeds District Registry.

There is a large list of cases, all of the same nature, that have been transferred - any ideas what's going on? By the way, I'm now ****ting myself!


Any help massively appreciated.

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Just to set the scene, we had reached the stage of court allocation questionaire, which did not have to be returned till about the 16th of Feb and I had just sent their solicitors the further information they had requested (full schedule of charges, which specific parts of common law and the UCTA 1977 we were relying on and a few other bits and bobs). The claim is for just under £5k plus about £2k of interest. The letter from the court also says "The judge has asked me to point out that amongst the directions that may be given or considered is the allocation of the cases to the multi-track (in accordance with CPR 59) but also it may be appropriate to consider orders for consolidation and directions aimed at selecting which is the most appropriate lead, sample or test case (please, dear god let it not be mine). Consideration may also be given to whether is is appropriate to treat this as Group Litigation to which the provisions of CPR Part 19 apply".

Is this the banks finally trying to win this? Or is it the court getting ****ed off with hundreds of cases and wanting to end it? There is a list of 79 cases (although many of these are marked as settled)and it says "In view of the number of cases involved a half day has been allocated". Does this mean we are all being seen together or will have a few minutes to state our case very simply?



Cheers in advance for any help

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Hi what happened next? I have just received a Order to move my case to the High Court. What do I do now? I have not received a date yet.



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Sounds ominous, if no one out there can help then it may be worth sending a PM to one of the mods.

All comments are my personal views - if in doubt then seek professional advice. If you think i've helped then please tip my scales.

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Dont panic this is good news it basically to have them all heard together and clear up the wait.

Has happened before.

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There is a thread about all the cases that have been moved that is really helpful...check it out.

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