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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
forkandles

Forkandles V Bank of Scotland ***SETTLEMENT ACCEPTED***

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Initial letter sent today by recorded delivery.

One copy to local branch, the other to Trinity Road, Halifax.

Trying to recover a total of £2199 in charges and interest.

Will keep you updated as to what happens.

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no, handles for forks!

 

Welcome aboard and good luck, we will watch out for updates


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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Well that's 14 days up tomorrow and not a dickie bird from them. According to the Royal Mail website my letters were delivered, but no reply.

LBA being sent off tomorrow.

Will keep you posted.:mad:

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I suspect they're just a little busy :)

  • Confused 1

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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Just a quick question, hope you all don't mind.

As I am at the LBA stage, do I stick with my full ammounts or do I start to break them down to prepare for court, as it seems advisible to keep claims to £750 max.

 

I am claiming for two accounts one for £1078.50 and the other for £1120.50

 

:confused:

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Are you in Scotland or England? Where was the contract made?


BOS - Prelim letter del 19/5/06 LBA del. no response - filed 12/06

Clydesdale Financial Services - Gave them their chances off to court we go!

HSBC - Watch out I'm coming after you next!

 

If you like anything I say click the scales!

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I am in Scotland. One letter was sent to my local branch, the other to retail bank collections in Halifax.

 

I have an agreement where I am paying money back to these accounts and now use another bank for my banking as I am having real debt issues. If I can get the money back then it would half the ammount that I owe to them.:-|

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Sorry, just to clarify the accounts were opened in Scotland. So everything done up here, well before the Merger/Takeover!

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And on the 14th day a letter arrives............

 

Dear Forkandles,

it is my understanding that you are unhappy at the charges that have been applied to your accounts over recent months, and you feel that these should be refunded as dictated by recent Office of Fair Trading investigations.

 

Having started it's investigation into charges in 2004, the Office of Fair Trading (OFT) confirmed its opinion that default charges, as they are called, of more than £12 should be considered unfair.

 

We have noted the comments made by the OFT and have co-operated fully with the OFT during the consultation process and will naturally continue to do so. However, we cannot comment further at this stage, as we need to fully assess and understand the recent announcement.

 

At the moment the statement refers specifically to credit cards, but is likely to be expanded to other products in the near future. HBOS along with other lenders will respond to the OFT statement in due course.

 

Charges are specifically applied to customers whose transactions fall outside the parameters that have been set. It is approriate that an individual whose balance was insufficient to meet payments that he/she has made should bear the cost of the additional administration incurred as a result, rather than expect this to be absorbed by the shareholders as a whole. They are only applied when transactions fall outside the limits that have been set and they are thus valid.

 

In regard to your credit file I can confirm that this is a true and accurate reflection of how the account has been maintained. In light of this we would not be able to ammend any information.

 

I am sorry that this letter does not provide you with the response you are seeking however I trust this clarifies matters for you. I have enclosed a copy of our complaints leaflet, which explains our procedures.

 

Should any of your concerns remain unresolved please let me know what you'd like me to do to put matters right. We are keen to resolve your concerns, if we are unable to do so we'll provide you with details of how you can contact the Financial Ombudsman Service for assistance. If I do not hear from you within the next eight weeks I will assume you are satisfied with our response to your letter.

 

Yours

Liam Pollitt

 

This letter was sent from Halifax, at Trinity Road.

 

Any comments please.:confused:

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Waffle.

 

Just proceed with your claim.


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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Thanks for the comments.

 

After going through other posts I have decided to send the LBA, but asking for just £750 as this seems to be the best way to proceed in Scotland.

 

What I would like to know, do I just arrive at this figure through charges alone or do I try to get this figure from charges and the overdraft interest?

 

I do intend to go after all the charges, but in £750 blocks, so this may take a little while.

 

Any thoughts comments?:confused:

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£750 in charges


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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Another letter arrives....

 

Dear Forkandles,

Thankyou for your letter...blah,blah.....charges are justified....blah,blah.....However, as a gesture of goodwill I am prepared to refund £475 of charges in full and final settlement of your complaint. This amount covers both accounts, £250 for one and £225 for the other.

 

Thankyou, but no thanks I want ALL my money back and will be writing to let them know. I am so glad they sent this letter, because now I feel that they are on the run and will at some point cave in and give me money back.

 

The letter was sent form Retail Banking in Rosyth.:-)

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LBA sent of yesterday (21/6/06) to branch and Halifax for £730 in charges from 2001 to 2005. I included a list of all the charges dates etc.

 

For fun I sent a reply to the letter offering me some of my money back, saying that I would take that, but that I also wanted the rest from them. Lets see what they come up with next.:grin:

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I've just had fun with them today on the phone. Will post more details early next week as I don't want to compromise my position....


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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Was getting ready to head to court with a claim for £730 (first block of charges) when I get a phone call and letter offering £1413 for both accounts, it breaks down as follows:

 

Account one: charges claimed 995.00

bank offer 749.00

difference -246.00

 

Account two: Charges claimed 1027.00

bank offer 664.00

Difference -363.00

 

Total claimed 2022.00

Bank offer 1413.00

Difference - 609.00

 

The figures quoted do not included any interest. To be honest I am thinking about taking this offer. This is due to the fact that i have to claim in £750 (max) blocks in Scotland and the thought of having to do this for months at a time does not seem that appealing.

 

Any comments......................

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Have decided to accept the offer.

 

Good luck to everyone else in their quest, I'm sure that all will go well.:D

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you got £1400 back, and saved futher hassle, dont think you can be blamed for taking the offer, well done:)

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Congratulations

 

Would you take a moment to fill out the survey please?


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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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