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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
Bookworm

"How do I...?" A Dummies' Guide to this Forum

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HOW DO I........?

 

Internet Forums are not always the easiest thing to navigate, so here is a guide to some of the commands you can use. Some are very basic, some will take a little bit of practice. If you want to practise, don't hesitate to create yourself a thread in the Bear Garden, once confident enough, you can always ask a moderator to delete it for you.

 

Create a new thread:

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Reply to thread:

 

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Click on

reply.gif

 

You can do that to reply to someone else's thread, or to post an update / query on your own thread.

Alternatively, you can go to the bottom of the page, where there is a “quick reply” box:

 

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Ok, so this is what you should now be seeing:

 

 

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Let's go through the less obvious buttons.

 

 

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This is the Hyperlink button, and allows you to post a link without the long

http://consumeractiongroup.... showing. (Note: it works with all http://.... not just the CAG ones!)

 

Type "This is what I want to say", highlight it, click on createlink.gif, paste your link in the box, click ok.

 

This is what I want to say should now look like this, and you can of course change colour, font etc, should you wish to do so (to match the rest of a signature, for example).

 

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This does the opposite. You might want to post a quote from another site, but not carry the link. Click on the

unlink.gif, clear the box, click ok. “ This is what I want to say will now look like this: "This is what I want to say".

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This is the “Insert e-mail link” button. Type the e-mail address in the box, and it will automatically create the link. People will then be able to click on it to start an e-mail message.

 

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This is the “Insert image” button. Click on it to insert a picture hosted elsewhere, like Photobucket.

 

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This is the “Wrap Quote” button. Click on it, and this: will appear in your post, with the cursor between the 2. Just type your message or paste whatever it was you want to quote and it will then show like this:

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This is a drop-down menu for the smilies. “Show all Smilies” will open a separate window with all the smilies available on this forum.

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Quote from another post:

 

Click on

quote.gif in the post you want to quote from, it will automatically open the “reply” box and insert the quote, it will look like this:

This is an example.[/ quote]

 

Type your reply, and

reply.gif.

 

It will look like this:

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However, sometimes, you might not want to quote the whole post, so you can delete what you want from within the quote marks and only keep what you need, so the end result will look like this:

 

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Multi-quotes:

 

 

If you want to reply to more than one post, click on

multiquote_off.gif on each post you want to quote from, it will then turn multiquote_on.gif

 

On the last post you want to quote from, click on

multiquote_on.gif first then quote.gif.

 

 

The end result will look like this:

 

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If you change your mind, or have clicked on the wrong post, just click on the multiquote_on.gif again, it will deselect it.

 

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Subscribe to a thread:

 

 

You can subscribe to a thread without typing in it:

 

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Click on “subscribe to this thread”, it will take you to the options menu, where you can choose to get notification by e-mail or not and how frequent the notification.

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Search:

 

 

For basic search, just type in the box:

 

 

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Or for more elaborate search, click on “advanced search”:

 

 

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Note: If you want to search for post with “0” replies, change the default “at least” 0 replies to “at most”, and you can of course highlight the forum you want to search if you want to narrow it down.

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Report a post:

 

 

We ask all of our users to remain vigilant for any posts which contain the following: Insulting language / swearing, threats of violence, racist comments, potentially libelous wording (i.e. the bank 'stole' my money), posts which show complete reproductions of our templated letters, advertising etc. If you are not sure, please report it and let us decide. You can also use it to report a title that needs changing to **WON** or threads that need merging, or moving.

 

Click on

report.gif under the username of the post you want to report. Type the reason why you are reporting it. Send.

 

 

 

Say thank you for a useful post:

 

Click on reputation.gif. A drop-down opens which you click to say “I approve”, underneath, there is a box for a comment. If you leave a comment, please sign your nick, it's always nice to know who's being nice, and the box doesn't show who left the comment otherwise.

The more clicks on scales, the higher the "reputation" of a user (the little green blobs under a username). Site Helpers and Moderators can disable theirs, so the blobs will show as grey. You can still click to say thanks, and it will still register on their user CP.

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User CP:

 

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User CP (control panel) gives you access to your own settings.

 

 

When you first click on it, this is what you'll see:

 

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These are the thanks of people who clicked on your scales.

 

 

Next, are these:

 

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They show the threads to which you have subscribed and which have posts you haven't read yet on them.

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Settings & Options:

 

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Most are self-explanatory, except the bottom one, “Miscellaneous Options”. If the Message Editor Interface box doesn't already show it, then change it to “Enhanced Interface – Full WYSIWYG Editing”, it's the setting that allows you to use smilies, quotes, etc... Don't be fooled by the name, WYSIWYG is simply short for “What You See Is What You Get”.

 

 

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Nothing complicated there, the only thing to remember is this: The maximum size of your custom image must be 80 by 80 pixels or 19.5 KB (whichever is smaller).

 

 

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This opens a box which allows you to enter a signature, whatever takes your fancy. Please remember that standard forum rules apply, though, and that links to commercial websites are not allowed. Also bear in mind that minimum post length (# of words) = 100 words and minimum post count before signatures show = 10 Posts.

 

Your signature will only show 2 times on any one page even if both the above conditions are met. These conditions do not apply to the moderating team.

 

The others settings are self-explanatory, with tick/untick options.

 

 

New posts:

 

 

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Clicking on this will open the last 5 most recent pages of threads which you haven't read.

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Find a post/a thread

 

Click on the nickname or avatar (picture below nick) of the user whose threads/post you want to find (it can be yourself, if you can't find where you posted).

 

It opens a screen like this:

 

 

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Click on either "find all posts by..." or "find all threads by..." and it will take you to that list.

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Post a link

 

It's easier to do this with 2 windows opened, although not necessary.

 

This is the thread you want to link:

 

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Highlight the

http://... as shown, and copy it. (Ctrl + c, or right click + Copy)

 

Then, paste it in the post where you want it to go (Ctrl + v, or right click + Paste)

 

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Post reply. The forum software will automatically transform the

http://... into the title of the thread.

 

 

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If you want to only post the link to one post, not the whole thread, click on the post number:

 

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It opens a new "single post" window:

 

 

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Highlight, copy and paste the link as previously explained, job done.

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Find out who's online:

 

At the bottom of the forum front page:

 

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(All Site Team including Admin are now are now Orange)

 

 

Clicking on the username will bring up their profile, like so:

 

 

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Send PMs (Private Messages):

 

Click here:

 

 

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It opens this box:

 

 

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Type your message, send.

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Edited by freakyleaky
Updating new colour scheme.
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Attach Documents

 

Click on

reply.gif

 

You will see this, you can use either the paperclip or the "managed attachment":

 

 

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Click on either to see this:

 

 

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Enter the file from your computer or the URL and upload.

 

 

Note that the files you can upload are very small, so if you want to post something larger (photos and scanned documents in particular), you are better off uploading them to a free web-hosting site. Photobucket, Flickr, ImageShack and many others, all offer this kind of service, do a search for what suits you best.

 

To upload from one of those sites (I use Photobucket, so will give example from there):

 

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Click once on the bottom link, it will automatically copy the code.

 

Paste that code into your post, it will look like this:

 

thSparklyDay-1.gif

 

You can click on Preview changes before posting to make sure this is what you want (in particular, beware of posting pictures which are so big that they will knock the whole page out of shape to accommodate them, it's very annoying for everybody!)

 

Post your reply, and there you are:

 

thSparklyDay-1.gif

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 4253 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.

Thank you
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