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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
MissUniverse

BoS-tards took my money - now I want it back!

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Hi there,

 

I'm one unhappy customer! Started proceedings against BoS before Christmas after reading about other claims on the Martin Lawrence website. I must be one of very few sad people to have kept all my statements and therefore had no need to request copies. Judging by others' stories it's just as well I did!

 

So, I sent an initial request for the full amount of £1420 (including interest) on 15th Dec 06, heard nothing by mid Jan, so sent my LBA recorded delivery on 17th Jan 07. Both of these went to my own branch.

 

I recently received a letter from my branch (dated 22nd Jan) saying they have passed my letter to the Customer Relations dept who will respond to me directly. I have heard nothing else.

 

Because the 7 days I gave them are up, I will be proceeding with a claim through the courts. However, I'm still unsure about how exactly I should go about this. I suppose my first decision is whether to go for two Small Claims, or one Summary Cause. I've heard arguments on the side of both, i.e. I'll probably get the money quicker with a Summary Cause, but the Small Claims seem to carry less risk - financially speaking. Any advice from anyone out there?

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Hi,

 

My first claim against BOS was Small Claims, which I won. My second is Summary Cause, due in court early March. The sheriff clerk in Edinburgh told me i'd have to be the most unluckiest person on the planet if I ended up in court. Said I could loose somewhere in the high hundreds but thought this was very very unlikley. You are right about the almost no risk with Small Claims, I think all you would loose was your £39.00 court fee.

Its really up to you, how quick do you need the cash ?

 

Best wishes with your claim or claim's.

 

Regards.

 

Scott.


 
 

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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Hi,

Thanks for the advice. Not too bothered about getting the money fast, I mean hey, they've had it for the last 4 years, a few more weeks wont make much difference!

 

So, I think I'll go for small claims option, but my next problem is, my LBA stated that I'd be claiming the full £1420 though the courts. Does it matter if I now put in two separate claims for smaller amounts, instead of one claim for the full amount? I mean, should I have treated the two small claims entirely separately, with two separate LBA's, etc?

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Small claim for £750 (only ever one at the same time) when you get settled then send fresh lba only which gives another 14 days then court again, hope this helps, good luck.

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OK, couple more questions - as my first LBA (to which I have had no reply) stated the figure £1420, should I send another LBA quoting a figure under £750, or just go right ahead and claim?

 

Secondly, is the £750 figure for small claims before or after interest?

 

Thirdly, would I be right in thinking I just need to fill in form 1b?

 

And finally, can anyone advise on how I should fill this in, i.e. direct me towards some previous threads on the same subject?

 

Thanks.

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no just keep asking for the whole thing until the small claims stage

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Hi Miss Universe

 

OK, couple more questions - as my first LBA (to which I have had no reply) stated the figure £1420, should I send another LBA quoting a figure under £750, or just go right ahead and claim?

 

No the prelim and lba should state all charges.

 

Secondly, is the £750 figure for small claims before or after interest?

 

Before judicial interest of 8% can be added at court,but mind and mention it in your POC.

 

Thirdly, would I be right in thinking I just need to fill in form 1b?

 

No you need to fill in form 1 and 1b and have an attached schedule of charges to both these forms.

 

 

And finally, can anyone advise on how I should fill this in, i.e. direct me towards some previous threads on the same subject?

 

The courts are very helpfull regarding filling these forms in, however when you are readyto do this give me a shout and i will help you.

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Hi George,

 

Thanks for the answers! I'm now attempting to fill in small claim forms 1 and 1b, and I've just noticed that my first charge was in June 2001. Am I correct in thinking that the Scottish courts only allow claims up to 5 years ago, rather than 6?

 

Also, what should I put in the 'Action for/of' section? I've heard other threads mention 'furthcoming' but haven't a clue what this means. Or is it simply 'payment' I should be after?

 

Next, in the 'defender' section, should I put the branch to which I sent my prelim and LBA (i.e. my local branch)? They've apparently passed my letter to 'Customer Relations' but I've had no contact with them.

 

In section 4, 'Claim' I've entered:

The Pursuer claims from the defender the sum of £739.00 with interest on that sum at the rate of 8% annually from the date of service (together with the expenses of bringing the action).

Is this correct?

 

And finally, I've seen some great threads with examples of what I should enter in the POC section, but I can't find them now! Any advice?

 

Thanks again,

MissUniverse.

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