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The Consumer Forums - your free consumer community

The Consumer Forums are concerned with all aspects of Consumer Rights.  We already have a great deal of experience and expertise in reclaiming bank charges.
However, The Consumer Forums are much more than a bank charges pressure group. Over the last three years we have developed forums to help people deal with debt problems, payment protection insurance, parking and traffic offences, mobile and fixed line telephone companies, utility companies, retail stores, landlord and tenant issues, along with many other consumer related issues. 
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Suicide note: Banker Lament by Mat Lloyd

Brighthouse described as "Credit Crunch Vultures"

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High Street firm BrightHouse, which offers the poorest and most desparate families the chance to own flashy household goods in  rent-to-buy schemes has been described as "Vultures" by The News of the World.

Forty per cent of customers are single mothers and the vast majority are on low incomes, many on benefits, and unable to get credit anywhere else.  Brighthouse targets particular postcode areas and opens up stores in the poorest most deprived parts of the UK.  Their customers pay a small weekly sum for branded goods such as TVs and washing machines — but often end up shelling out DOUBLE the normal price.
The News of the World investigation found that the firm charges a whopping interest rate of 29.9 per cent APR. But it really makes its money from expensive add-ons in the form of the service cover and Damage Liability Cover, which is compulsory for customers with no home contents insurance.
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Look-alike

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Has anyone noticed the strange similarity between the initials of Blair Oliver & Scott, debt collectors and those of the Halifax Bank of Scotland - a reputable UK high Street bank.
Another funny coincidence is that HBOS always use the services of BOS for their debt collection activities.
Despite a variety of searches, no website or other information for Blair Oliver & Scott was discoverable - save that their registered postal address is:-
BLAIR, OLIVER AND SCOTT LIMITED
ARROL HOUSE, VIKING WAY
ROSYTH EUROPARC
ROSYTH
KY11 2UT
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Have you been defaulted twice for the same debt?

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Duplicate defaults for the same debt seem to be a common occurence.  Typically, a creditor will register a default for a debt - even a bank charges debt.  At some point they sell the debt on and the first thing that the new creditor does it to llodge another default.
We beleive that this is unfair and ir probably not permitted.
Double defaulting is a type of double jeopardy.  Furthermore, the frist default lasts for 6 years.  The second default will last for a further 6 years.  Given that there will be some overlap between the two, it means that at some pint there will actually be two simultaneous defaults registered agsint the same debtor and when the first expires, the second one will continue for its 6 year term.
This means that a default could be in place for 8 or nine years or longer!
We have even seen one or two cases where the debt has been sold on again resulting in a third default which means that a negative entry in respect of the same debt has been in place on the credit register for anything up to 14 years or so.
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Royal Bank of Scotland admits accounting scam

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The Royal Bank of Scotland has admitted that it has secretly been changing customers’ accounts into personal loans with up to 80% interest, generating debts of as much as £100,000.
The RBS which has recently benefited from an injection of billions of pounds of taxpayers money has been drawing up new secret loan agreements without the consent of their customers sometimes leading to debts of many thousands of pounds and of course resulting in serious enforcement measures including charging orders and attempts to repossess their customers' homes.Duncan and Debbie Birch from Torrington in Devon, had a £24,100 overdraft which  grew into a debt of an astonishing £100,000 when new loan accounts were created without their permission.
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Got the travel bug? - well you might have, from dirty budget hotels!

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A "snapshot" investigation carried out by Which?, the consumers' holiday magazine found poor hygeine standards at 16 budget hotels in London and Manchester during September 2008.
The researchers discovered dirty toilets and bedding at Ibis and Travelodge hotels.  The dirtiest was reported to be the Ibis hotel at Euston.
In addition to high dust levels, Which? investigators posing as ordinary customers found urine, faeces, blood and "stains".
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Halifax Bank Harassment

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Bank breaks pledge
Banking giant Halifax, accused of hounding a dying cancer patient from Sale with hundreds of telephone calls, has admitted in court to flouting an undertaking not to contact him again.
David Lloyd, 62, who has just days to live, received a letter last month from the bank telling him he owed them cash - despite the bank twice giving formal undertakings in court it would not bother him.
Mr Lloyd, who has lung cancer, and his wife Annette Edwards, 58, and their daughter, Stefanie Moore, 29, are suing the Halifax for damages and pursuing an injunction against the firm.
In an unusual legal step they are taking action under the Protection from Harassment Act after they claim the bank made 762 telephone calls to them over unpaid loans and debts. The bank denies the claims.
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