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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
BankFodder

Barclays - charges should be £1.50 - Whistleblower revelations

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Hi cg,

This is a decision only you can make.

You've got to way up how much the charges are against the offer.

How much aggro they've caused you when the charges where being takne - with how much the money they've offered will better your current circumstances.

If there is interest added to your claim, in theory, it may hard to persuade a judge to enforce a claim if the offer made is almost all of the charges, and you're just pushing an interest matter!

 

Your choice cg, whichever you chose, it's gotta be right for your present situation!

Good luck either way!

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If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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Thanks for the advice Perseus. I think I should continue on with the claim. There is no interest added at this point and I'm still paying back the overdraft so £300 I fail to claim back is an additional £300 I have to find to pay back Barclays. What would be the next step if I continue with my claim.

 

Many thanks Perseus

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You're welcme, and thanks for the click!

 

You could write, accepting (unconditionally) the offer as a part payment only, but you still wish to pursue the balance of your charges (in court if necessary), and ask them to reconsider their offer. Expecially as you have only asked for charges only to be refunded at this stage, and that should this case go to court, you will be seeking s69 interest at 8% (this only increases the value of your claim by £104, but stil!!!) plus they will also incurr legal costs for defence, plus court costs!

 

If they reply and state that the offer is it, full and final - then it's up to you should you take the offer, or pursue it in court.

As you say - if its £300 short of just your charges, then there's another £400 plus owing!

Give them 14 days as a final letter before county court action, and see if they budge. I wouldn't hold out much hope to be honest, but stranger things have happened.

Don't forget - send any letters recorded/special d!

 

If you'd like, post up your intended letter, and I'm sure some fine peeps here will offer advice about wording etc.

 

good luck!


If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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Thanks again Perseus

 

I'll set out a response and post it for comment. As you say stranger things have happened. Ultimately I've decided i have no issue taking this to court action if necessary. Bring it on

 

Thanks

 

cg266

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I think the 9p was what it costs in computer operation terms. You would have to add to that stationary, postage costs, and some staff costs. I think £1.50 to £2 is more like it.

 

Anyway here's the bit form the program last night

 

YouTube - Whistleblower: Barclays Bank - Penalty Charges

 

I work in debt recovery and routinely send bills to customers. I work in a low-tech office.

 

We release letters to the printers, envelope the letters and post them. I'd say the total cost of this is around 35p (1st class).

 

These banks have hi-tech software, printers and enveloping machines (and 2nd class post!).

 

I'm not sure what the 'staff costs' are. Unless they add a charge up front for customers quering the bank charge, which is, in itself, wrong.

 

I would, of course, settle for an outcome at the OFT vs Banks hearing of £1.50!!!:):):)

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I have a question that I hope someone can answer and as this my first post I have probably posted the question in the wrong place.

 

Can business's reclaim unfair bank charges? I have a friend who has been charged 13k in total by Barclays over the last three years.

 

Thanks

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As I understand it, if a service isn't provided, charging is illegal.

It's also the difference between "income" and "taxable income" which most people are blindly unaware of... It's saved me about £35k this year :)

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 2810 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

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