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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
bertiep

bertiep v RBOS

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Hi folks

 

This is my 1st post and would like some advice before I make my bank charges claim against RBOS.

 

1. I have been away from RBOS for 18 months but held a royalties gold account with them for 15 years. Can I still make a claim for bank charges and how far back can i claim?

 

2. I am currently half way through a trust deed and left owing RBOS a large bank loan and overdraft (Which have been taking over by the trust deed). Will they tell me to stop being so silly because I owe them so much?

 

Any advice would be appreciated

 

Cheers

 

bertiep

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Hi folks

 

This is my 1st post and would like some advice before I make my bank charges claim against RBOS.

 

1. I have been away from RBOS for 18 months but held a royalties gold account with them for 15 years. Can I still make a claim for bank charges and how far back can i claim?

 

 

Yes you can and you can go back 6 years.

 

2. I am currently half way through a trust deed and left owing RBOS a large bank loan and overdraft (Which have been taking over by the trust deed). Will they tell me to stop being so silly because I owe them so much?

 

Not at all, BUT they may say okay now you owe us £X minus the unfair bank charges we've just 'refunded' you. i.e you may not actually get a cheque for the charges it might just be a reduction in your debt, although I'm sure someone more experienced here will clarify this point as I'm not 100% sure here.

 

Any advice would be appreciated

 

Cheers

 

bertiep

 

Good luck!!

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Thanks for that. Is it better sending a letter to start the ball rolling, or to phone the bank direct?

 

Any help appreciated.

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Hi again

 

I have received my 6 years worth of statements today. One query. I had a royalties gold account which charged £10 every month, just for having the account. It shows up on my statements as INT which is interest. Do I include these in my claim?

 

Cheers

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No, you can only claim things that are CHG. there is a royalties fee every month tho. there is a sticky thread regarding this.

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Be aware, the Royalties fee (was £8 then £10 now £12 I believe) always appears on your statement under the entry 'CHG TO A/C XXXXXXXX' on about the same day every month. If this CHG is more than those levels then there is an element of the CHG that is over-limit penalty which CAN be claimed.

 

The 'INT TO A/C XXXXXXXX' contains BOTH your authorised-overdraft interest AND any interest accrued due to UNAUTHORISED (i.e. over-limit) borrowing - charged at around 29.8%. You can claim some of this back if it can be attributed to penalty charges.

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CHGs and INTs, INTs and CHGs!!

 

I have put a detailed explanation of filling your spreadsheet here.


If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Hi there

3 weeks ago I sent off a letter to the RBS reclaiming £878.28 in bank charges. Today I received a letter advising me that they will be refunding me the full amount. Happy days I hear you say. Unfortunately not! 20 months ago I entered a Trust Deed and have not used the RBS bank account since then. I currently bank elsewhere. My RBS account has remained open and currently is showing a £3500 overdraft. Todays letter says they will be crediting my RBS bank account, thus bringing my overdraft down. Lovely. Not! Has anyone experienced a similar conclusion and found a way to force the bank to pay these charges by cheque.

Any help appreciated.

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Unfortunately, there's not.

 

They are well within their rights to pay the money into this account and I don't think there is anyway of challenging their action - I have tried with several other people but I've run out of ideas.


If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Thanks Taff

 

I was thinking it was a no-goer. Never mind...

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