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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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Sent my first letters to Bank of Scotland Headquarters on 17th May, using template from Govan Law site and giving 7 days notice, as Goan advised.

 

Still had no response from Bank, so decided to phone the 0845 number this afternoon( Thurday 1 June). I first spoke to a customer advisor who told me they had no record of the letters, but that they should have been passed from the HQ to the customers relations.

 

She then said she would find out what had happened from HQ, after been put on hold for about two minutes, a very condescending gentleman came on the phone an began quizzing me about the letters.

 

When I told him they were in pursuit of a refund of charges he told me that I had sent the letters to the wrong address and they could not be dealt with there, he then gave me an address for Halifax.

 

My sister who is a legal secretary has told that they always send such letters to the BOS Headquarters on the Mound, Edinburgh, and that they are always forwarded to the correct department.

 

Should I just proceed with the next step or should I start again using this Halifax address? This will set me back two weeks

 

Is this a new delaying tactic from BOS? Has anyone else had their claim ignored in this way?

 

Thanks

Alex.

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Stick to your deadlines and continue to the next stage when their time is up.

 

If they can't be bothered fowarding it on to the correct department that's their problem.


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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I'm having problems with them as well, there claiming to have not recieved any letters, i sent a 3rd copy of the list of charges I want refunded last week, due to the bank holiday, i'm giving them till the middle of next week to respond, if they haven't I will be phoning them again. i sent the first letter 24th April lol

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Try sending your letter via recorded delivery, its only a pound and it acts as proof they are delivered. I sent my first copy of my LBA two weeks on Monday and there has been no word as of yet. When i call them on Monday, they will no doubt say they have never delivered it so recorded delivery it is.

 

To say that the bank should forward your mail is a liitle bit cheeky don't you think? A quick look around this site soon tells you exactly where letters should be sent and who to.

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daniel_r_clarkeTry sending your letter via recorded delivery, its only a pound and it acts as proof they are delivered. I sent my first copy of my LBA two weeks on Monday and there has been no word as of yet. When i call them on Monday, they will no doubt say they have never delivered it so recorded delivery it is.

 

To say that the bank should forward your mail is a liitle bit cheeky don't you think? A quick look around this site soon tells you exactly where letters should be sent and who to.

 

I did send my letters recorded delivery.

 

The reason I did not send them to the 'right' address is that I did not have access to that info while compiling my letters. But, I have learned that it has been standard practise to submit these kinds of letters to the Head Office on the Mound for many years. I believe that this line about the Head Office been unable to deal with these letters is nonsense, and that they are just trying to buy time.

 

I am, tomorrow morning, sending the indentical letters to the Halifax address given to me by BOS, I will give them 7 days notice, and have been assured that that is ample time for the Bank to evaluate my claim. Why should I give them another 14 days?

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Stalling tacticts again.

Stick to your guns

 

Remind them you have given them the required time,and if they want to make excuses thats up to them but youre gonna proceed.

 

 

;)


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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UPDATE:

 

Got reply from Bank today. They did recieve my letters after all and are offering £230 in full and final settlement. I will refuse this and continue with my LBA in pursuit of the £1200+ they owe me.

 

I must admit the even though everyone seems to get a full refund eventually it is still daunting to be serving papers against a huge Bank. However, I am determined to see it through and will file my claim as soon as the deadline is up.

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Keep at em

 

 

 

;)


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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