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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
      • 0 replies
Jen Runciman

new problem, help needed

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Hi you wonderful people.

 

:D Well i am pleased to say that the bank have 'without admitting liability' agreed to pay back all my bank charges. i received a letter from them with an out of court settlement, after i won by default through money claim online??!! Now the problem is they are insisting that they pay this money into my account (already in my account and was before i received their letter!!!) which is overdrawn and is on an enquiry only status, so the little bit of money that is left i can't even access!! :confused: Now correct me if i'm wrong but i understood that they had to settle by cheque when it went to court.

 

I phoned the bank on Friday and told them i wanted this in cheque and they told me it was the bank's policy to refund the charges into the account from which they were taken. While i am chuffed to bits to have won this i still feel that this is my money and it's up to me which debt i pay off!!!

 

HELP. Can anyone help me, i wondered if i can reject their offer and serve a warrant through the court, or is there another possible route to take.


Cowbag 13

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Hi there

 

You stipulate how you want the money - not them. Phone them back and tell them that unless they remove it from your bank account and send you a cheque you will be proceeding to court.

 

This is yet another way that the banks are trying to exert their power. So they have a "policy" now do they? What the bank is failing to recognise is that this is "your" money not "theirs" - not matter what their policy is. What bank are you with? If its RBS then I got the money paid to me by cheque so they are talking rubbish. I am about to sort BOS out tomorrow and will only accept a cheque from them too.

 

Good luck. Be firm with them. Who do they think they are? Cheek!!!!

 

Annie


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But here lies the problem Annie, i have already taken them to court and won by default but they still paid the money into the account. i'm with BOS by the way. Do you mean i should threaten them with a warrant from the court?

 

Thanks

 

Jen


Cowbag 13

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Hi Jen

 

Well, if you have the judgment by default then it is up to you to decide how you want it paid. It is not up to BOS to tell you how they are going to pay it. By paying it into an account with an overdraft they are effectively paying themselves, which completely defeats the purpose. I would contact the court tomorrow and ask them what you should do about it ie tell them you want it paid by cheque and not into your account. See what they say. If they say its your choice then advise BOS you will proceed with the action if they dont pay you by cheque.

 

One thing I think is really funny. BOS now have a "policy" on repaying charges. Obviously they think they are going to get lots more claims then and realise now that the charges are unlawful!!!! ha ha ha

 

Good luck

Annie


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I think you should really stress your point about the "enquiry only" status and therefore you have not received any money from the bank. You settlement has not been met.

 

Discuss this with the courts tomorrow - ok they have offered an out of court settlement which they have already paid you but it also looks like you didn't agree to this settlement either?

 

Ensure you first have everything laid out in your head in case you have to argue the case - the judge / whoever you speak to COULD disagree with you.

 

Ensure you outline that it is your perogative which debt you pay off, that you are unable to obtain any of your settlement and any other argument you want to put forward.


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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