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Consumer Complaint report is a site where consumers can talk about their annoying experiences with products and services. This is for the primary assistance of future consumers who can then learn from the experience of others and make an informed decision. This way, errant companies selling dubious quality goods, are checked.

The site is an ideal platform for those consumers were unfortunate to get cheated by companies who didn’t deliver on their promises. Consumer complaint report helps consumers make better informed purchase decisions, get better service from manufacturers and service providers and also help businesses provide better service to consumers.

We allow you to post your complaints which can be viewed by other visitors on the site. This helps others avoid the same problem and alerts them to the activities and unethical practices followed by such companies and service providers. Moreover, using the platform you can also gain leverage against the company and solve your dispute amicably.

We can help you learn from other complaints, read real experiences of duped consumers, share your own good or bad experiences in the consumer industry and also check out the customer services of many companies. By using our services you can help yourself and others in many ways. You can:

- Conduct research on consumer products and services.

- Get information about products that you intend to use before you actually buy them.

- Send your complaint to companies.

- Help others avoid the same situation.

- Help others make better informed purchase decisions.

- Increase awareness among users by exposing the perpetuators of scams.

Consumer complaint report is a powerful and informative source for consumers to publicize the unscrupulous acts of some business houses. For the postings to be allowed on our site it is important that they be authentic and verifiable. We help consumers as well as businesses serve each other better and improve market ethics.

Los Angeles Search Engine Optimization Company |Osbornes Property Solicitors

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Train Chartering (Luxury Train Club, Train Hire, World Train Travel) has joined ABTA

Private Charter Trains

Chippenham, Wiltshire, UK (PRWEB UK) 8 May 2014

The Train Chartering Company Ltd has joined ABTA with the following numbers:

P6704 for retail business such as through The Luxury Train Club or World Train Club;

Y6165 for Train Chartering’s principal business i.e. through Train Chartering or Train Hire.

The Train Chartering Company Ltd trades as Train Chartering, Train Hire, The Luxury Train Club and World Train Travel.

Train Chartering / Luxury Train Club ABTA membership provides the following benefits to UK-resident customers:

Monies are protected by the ABTA scheme of financial protection. This means that in the unlikely event of Train Chartering failing and the booked holiday can no longer go ahead, customers will be entitled to a refund if they are yet to travel or to hotel costs and transport home if you are abroad.

In addition, Train Chartering as an ABTA Member is also bound to comply with the ABTA Code of Conduct, which ensures high service standards and fair terms of trading. Booking with an ABTA Member also gives UK-resident customers recourse should they have a problem or complaint with Train Chartering.

Simon Pielow of Train Chartering says: “ABTA is seeing growing interest in train holidays, with 7% of UK consumers considering a train holiday; Train Chartering is ideally placed to benefit, with The Luxury Train Club and the developing World Train Travel.”

Source for evidence of growing interest in rail breaks: ABTA Travel Trends Report 2014.

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Scambook Alerts That Government Shutdown Closes FTC Website, Do Not Call List

Los Angeles, CA (PRWEB) October 02, 2013

For the first time in seventeen years, the Federal government has shut down, subsequently ending all access to the Federal Trade Commission (FTC) main site and the Do Not Call List. Scambook, the Internet’s leading consumer advocacy platform, is alerting consumers about this so they can prepare themselves. Until further notice, consumers will be unable to use the FTC to file complaints, gain helpful information about businesses, or avoid unsolicited telemarketing calls by registering a phone number on the Do Not Call List.

“As the Federal government shuts down, the last thing the public needs is a lack of support at the consumer level. The FTC and the Do Not Call List are both valuable public resources and we are sorry to see them shut down,” says Scambook’s Director of Marketing Kase Chong. “We hope the public is aware of other consumer sites still functioning to offer educational resources and complaint resolution.”

On Tuesday, the FTC website was replaced with the following message:

“Unfortunately, the FTC is closed due to the government shutdown.

    The FTC Premerger Notification Office will be open to accept HSR filings.
    Consumers may file FOlA requests, but they will not be processed.
    Consumers cannot file complaints or register for Do Not Call.
    All public workshops, roundtables, hearings and conferences are postponed until further notice.
    We hope to be open soon.” *
The FTC’s Twitter account, which has also been an excellent resource for consumer information, was also offline due to the shutdown.

Online consumer sites such as Scambook are still receiving consumer complaints as well as dispersing scam information gathered from their public complaint database. Scambook Insights, as well as the Scambook blog, have been providing the public with the most recent consumer threats, scam alerts, and other information to stay safe and protected.

Scambook also offers a list of contact information for each State’s Attorney General and encourages consumers to use these alternative resources while the FTC is unavailable.

About Scambook

Scambook is an online complaint resolution platform dedicated to obtaining justice for victims of fraud with unprecedented speed and accuracy. By building communities and providing resources on the latest scams, Scambook arms consumers with the up-to-date information they need to stay on top of emerging schemes. Since its inception, Scambook has resolved over $ 10 million in reported consumer damages. For more information, visit

*“Unfortunately, the FTC is closed due to the government shutdown.” 10/01/2013

**“FTC (FTC) on Twitter.” 10/01/2013

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Lawsuit Filed by Spangengerg Shibley & Liber LLP Alleges That Target up & up® Brand Flushable Wipes Are Not Toilet or Plumbing Safe

Target Flushable Wipes Class Action Lawsuit

Cleveland, Ohio (PRWEB) May 08, 2014

A class action lawsuit filed against Target claims that the retailer’s up & up® flushable wipes are allegedly improperly marketed as being “flushable” and “septic safe” when they are not. According to the complaint in the case, this misrepresentation has allegedly caused significant financial harm to homeowners and sewer systems alike.

The lawsuit (Filed in The United States District Court in Youngstown, Ohio, Case: 4:14-CV-00832) specifically contends that the representations on the packaging of up & up® wipes and on Target’s website that the wipes are “flushable,” “break apart after flushing,” and are “sewer and septic safe” are false and misleading. According to the lawsuit, both testing and real-world experience – including that of the plaintiff – have proven that the wipes do not disperse after flushing and instead allegedly clog and damage sewer lines and septic systems.

The lawsuit follows on the tail of recent news reports citing significant problems encountered by municipal sewer systems associated with “flushable” wipes. A Cincinnati Business Courier article (embed: from September 17 of last year reported that Cincinnati “spends about $ 100,000 each year to clean wastewater treatment pumps and free them of non-soluables such as baby and wet wipes.” Similarly, a New York Post article (embed: from March 2 of this year reported that “[New York] city spends $ 18 million a year to collect and discard debris caught in machinery at its 14 wastewater-treatment plants — and nearly all of it in recent years is flushable wipes,” according to Deputy Commissioner Vincent Sapienza. “The increase in clogs and problems we’ve been having in New York City — it seems to almost correlate directly with the increase in sales of these flushable wipes.”

According court documents and Spangenberg Law Firm attorney Daniel Frech, who also represents the plaintiff, “Consumers have been led to believe that the wipes are as safe to flush as toilet paper and that they begin to disperse seconds after flushing – however, it appears that just isn’t true.” Frech continues “and the same problems cities are reporting on a large scale are affecting consumers’ plumbing at home as well.”

The lead plaintiff purchased up & up® brand flushable wipes from a Target store in Boardman, Ohio. According to the lawsuit, the plaintiff used the wipes primarily for potty training his daughter and disposed of the wipes by flushing them down his toilet as directed. The Plaintiff says he started noticing problems with the plumbing in his house in the summer of 2013. The lawsuit alleges that when the Plaintiff hired a plumber to diagnose the problem, it was discovered that the up & up® flushable wipes had caked together in the plumbing and septic system, causing a blockage. The lawsuit claims that the plumber charged the plaintiff approximately $ 210 to flush the pipes and septic system and informed the plaintiff that it may be necessary to replace the system at a cost up to $ 20,000.

The civil action, captioned Meta v. Target Corporation, was filed in the U.S. District Court for the Northern District of Ohio, Youngstown Division, on behalf of all consumers in Ohio who purchased Target-brand up & up® flushable wipes.

The plaintiff is represented by the law firms of Spangenberg Shibley & Liber LLP and Tycko & Zavareei LLP and consumers with similar issues or with information about brands of wipes that claim to be flushable but are not are encouraged to contact attorney Daniel Frech at Spangenberg Shibley & Liber LLP.

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How Military Members Can Avoid Illegal, Unfair Debt Collection Efforts

Falmouth, ME (PRWEB) May 02, 2014

Members of the military face a host of enemies abroad: everything from terrorists and suicide bombers to inhospitable land and severe weather conditions.

Unfortunately, back at home, many U.S. servicemembers and their families must square off against a different kind of enemy: financial services firms and bill collectors that use aggressive, often illegal practices when trying to collect debts.

“The list of financial abuses that military families face is downright appalling,” says Judy Sorensen, president of the Association of Credit Counseling Professionals, ACCPros. “On a daily basis, many deal with harassing phone calls from debt collectors, predatory lending traps and wrongful foreclosures on their homes, not to mention widespread problems with student loans. This is the last thing our service men and women need after they’ve been out fighting for our safety and freedoms.”

To help combat these problems, Sorensen and the experts at ACCPros offer four tips to military members facing financial difficulties, especially with student loans.

Tip#1: Know your legal rights

“Part of the problem is that many U.S. servicemembers simply don’t know that they have various military protections to help them in areas such as their mortgages and student loans,” says Sorensen.

For example, under the Servicemembers Civil Relief Act of 2003, military members and their families are supposed to be protected from housing evictions. The Act also includes a stay of all court proceedings a bill collector might attempt, and a cap on loan interest rates, including a 6% ceiling on student loans.

Separately, the Military Lending Act caps payday loans and title loans at 36%.

Sorensen notes, however, that some payday lenders use loopholes to get around payday loan caps. She recently wrote about this abuse in an article on

Tip #2: Report abuses to the authorities

It’s not in your best interest to be silent about financial misconduct by any company with which you might do business. So Sorensen urges military members to report wrongful doing to the authorities, like the Consumer Financial Protection Bureau.

In April, the CFPB issued a report highlighting everything from dubious default judgments to wrongful debt collection activity against military members. The report concluded that more needs to be done to ensure that members of the U.S. armed forces receive the full protection of the law concerning their financial affairs.

That’s one reason the CFPB does track complaints. In fact, the agency says it received 14,100 complaints filed by military consumers between July 2011 and February 2014. Also, the number of complaints the CFPB received rose by 148% from 2012 to 2013. And the agency does act on these concerns.

For instance, the CFPB and other federal agencies are now investigating Sallie Mae over its handling of students loans held by military members. The CFPB says it is examining “unfair or deceptive” practices that violate the Servicemembers Civil Relief Act, and allegations of discriminatory lending and payment-processing issues.

“Statistics show that four out of 10 U.S. service men and women are now repaying student loans, and the average amount borrowed is about $ 26,000, so this is a major issue that must be addressed,” Sorensen says.

Tip #3: Utilize the Public Service Loan Forgiveness Program

Under the Public Service Loan Forgiveness Program, individuals employed by the military for a decade, or those who’ve been in specific public service jobs for the last 10 years, can have their federal student loans completely discharged.

Some of the public service jobs that qualify for this student loan relief are: police officers and firefighters, emergency management workers, and specialists in public health, including nurses and healthcare practitioners.

Tip #4: Understand how to get a student loan discharge

Those who received National Direct Student Loans and Perkins Loans can get partial cancellation or a discharge of their loan based on their military service in they served for a full year in a hostile fire or imminent danger pay area.

So if you qualify for loan cancellation, Sorensen suggests supplying a copy of your DD214 (discharge form) and a letter requesting a discharge to your loan servicer.

About ACCPros

The Association of Credit Counseling Professionals, ACCPros, is the credit counseling industry’s newest and fastest growing trade association. ACCPros hopes to distinguish itself from other associations by placing an emphasis on ethics and compliance and focusing on best practices, quality service, education, training, and professional ethics. ACCPros member agencies can be a great resource for consumers seeking help managing their debt. Call the toll-free ACCPros Locator Line at 800-635-0553 to speak with a certified credit counselor at an agency licensed/registered in your state.

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13 Oct 2014

What is Rippln and How can I Start My Ripple?

Author: admin | Filed under: Business Scams

What is Rippln and How can I Start My Ripple?

Toronto, Ontario (PRWEB) October 07, 2013

Rippln has introduced the worlds first Incentivized Sharing App. It is called Photo Guessaroo and it is the first App that the general public will be able to profit from. This article is all about what you need to do to be one of the lucky people who profits from Incentivized Sharing which will in my opinion become the new norm in the coming years.

Imagine that when you joined Facebook someone kept track of every person you invited to join and all of the actions that each of them performed. For example how many of the people you invited to Facebook played Farmville, or Texas Hold’em and just how much revenue has been generated from their use. Well this is exactly what the people at Rippln have decided to do. If you like this idea please visit , is an independent affiliate of Rippln.

Rippln has introduced Incentivized Sharing. Put simply this means that people get paid to like and share cool new apps and products. Rippln is a customer acquisition model that rewards ‘players’ for inviting new people to join their ‘Ripple’ When you receive an invitation and you accept it, you enter that persons ‘Ripple’ as a ‘Fan’ which allows you to invite 5 people per 24 hours into your ‘Ripple’. You also have the option to ‘Power Up’ from a ‘Fan’ to a ‘Player’ for an approx. $ 90 activation and $ 25/month fee. This unlocks features that allow you to invite a lot more people and gives you the marketing tools to do so.

I feel like this is the next logical step in the evolution of the Internet, the people who ultimately put the value into Facebook and Twitter, etc. are the people who use it everyday. If it wasn’t for people liking and sharing apps and products, updating their statuses and tweeting there wouldn’t be billion dollar payouts for these huge companies. Finally the little guy can get rewarded for his/her part in the making of these online giants.

Rippln plans on launching 6 to 12 new apps starting with Photo Guessaroo as well as promoting cool new products like Smart Watches etc. Anyone who has joined Rippln has the chance to earn money just for sharing and liking these apps and products based on the amount of revenue generated by his or her ‘Ripple’ either through In App purchases or sales of the promoted products. I personally feel as though the idea is genius and while large companies are calling Rippln a scam I think they are simply worried about their bottom line!

If you would like to Join Rippln you can do so at Simply click on the red Start My Ripple button and this will take you to the page where you can start your own Ripple by filling out your personal information and creating your own password. Once you submit this form you will be taken to your Rippln Dashboard, which is where you can learn all about the company, watch videos on how to get started, and how and why Rippln was created. The Dashboard is also where you will find the Invite section, which is where you can invite 5 friends to join your ‘Ripple’ and you will also find Marketing tools and also a Commerce section and of course you will be able to see Your Ripples and how many people are in them. Just don’t forget if you want the chance to make money from Rippln you will need to upgrade from a Fan to a Player.

Like I said before I feel that Rippln has introduced a new way to do business online that will benefit ordinary people like you and I. Hopefully with this opportunity and some hard work there will be a transfer of wealth from the Big Companies back into the pockets of The People.


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11 Oct 2014

Kitsap County Sheriff Complaint

Author: admin | Filed under: Business Complaint Reports

Woman reports that the local sheriffs have refused to assist her with a stalking complaint against her daughter. Unprofessional conduct complaint/ Failure to…

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Cash Funds Fast Announces Speedy Access to New 12-Month Business Bank Loan Products

Nationwide (PRWEB) September 27, 2013

Small business owners and financing are the subject of much debate. Lending for small companies has been down in the past several years. The result is the creation of the alternative business loan. Many companies find 12-month business bank loan, debt instruments, to be difficult to obtain, and credit unions are fighting to fill the gap.

“New York Democratic Senator Kirsten Gillibrand is grabbing headlines in her state this week for pushing her colleagues to vote on the Small Business Lending Enhancement Act. The legislation, introduced by Colorado Senator Mark Udall in 2011, would address ongoing complaints about limited access to business loans by raising a cap on commercial loans that credit unions are permitted to make, based on a percentage of their assets,” reports Yahoo, dated April 13, 2013.

However, companies need small business loans fast, and the commercial banks are attempting to squash the credit union market grab. Arguing small business owners will be able to avoid many federal and state taxes; large corporate banks have made their position against such alternatives known. “Big banks oppose the bill, however, for reasons cited in a report released in November by the Capital Policy Analytics Group. The report asserts that ‘claims made by credit union advocates regarding job creation, and economic growth as a result of an increase in the business loan cap is highly questionable,” according to a news report by Yahoo Small, dated December 7, 2012.

Small business owners can still get a 12-month business bank loan through alternative lenders like Cash Funds Fast. Companies with an excess of $ 5,000 in monthly credit card receipts are eligible for many types of alternative business loan products. The approval rate is 98 percent, and perfect credit is not a qualifier.

Companies can receive a small business loans fast, with funds directly deposited into the applicant’s bank account in as little as seven to ten days. These alternative business loan products do not require any collateral and companies do not have to submit year’s worth of tax returns, certified financial documents, a credit history reports.

Conventional 12-month business bank loans require this documentation and more. Small business owners are typically required to sign a personal guarantee for a line of credit or a 12-month business bank loan.

The measure in Congress to help small business owners get easier access to capital is likely to fail, according to experts. At last count, the Prognosis for the bill’s passage is only 10 percent. The bill is still in committee, and has only a 2 percent chance of being enacted.

That means alternative business loan products will continue to fill the void left by the corporate lenders. Companies can still get small business loans fast through vendors like Cash Funds Fast.

Several alternative business loan products are available through this vendor, with competitive rates and no application fees. Companies can get a small business loans fast for as much as $ 500,000 without having to submit the lengthy documentation required by the big banks. Funds can be used for any purpose, and small businesses have many types of repayment options. What’s more, applications take only minutes to complete.

Common alternative lending services that Cash Funds now offers include:

        Business Cash Funds Fast
        Merchant Loans
        Unsecured Business Loans
        Merchant Cash Advances
        Small Business Loans
        Business Loans
        Unsecured Business Loans
        Business Loan Alternative
        Bad Credit Small Business Loan
        Franchise Business Loans
        Medical Business Loans
        Retail Business Loans
        Restaurant Loans
        Poor Credit Business Loans
        Business Working Capital

More services are available, in addition to the above list, through the website at:

Cash Funds Fast expanded nationwide services are now available in the following geographical areas:

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Washington DC, West Virginia, Wisconsin, and Wyoming.

About TieTechnology

Cash Funds Fast, a division authorized by TieTechnology, LLC. TieTechnology, LLC, specializes in service based solutions for businesses. Services provided by TieTechnology are merchant credit card processing, business service telecommunications, and web based visibility marketing. The advantages of doing business with TieTechnology are, their commitment to their customer service excellence and the offering of one stop solutions to all business to business service product needs for the customers’ convenience. To learn more about their wide assortment of business services, please visit, or

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9 Oct 2014

Court Judges Now Deciding Cases Online

Author: admin | Filed under: Business Complaints

Court Judges Now Deciding Cases Online

New York, NY (PRWEB) May 01, 2014

eQuibbly has assembled a team of highly respected Judges, who presided over trials in courts in the U.S. and Canada, to decide cases online. Within two weeks a Judge will issue a legally-binding decision that is enforceable in a court of law in the U.S., Canada, and the U.K. The whole process takes place online in a virtual private room where the plaintiff and defendant explain their disagreement, upload evidence, answer the Judge’s questions, and receive a legally-binding judgment.

eQuibbly now specializes in private online-arbitrations conducted by highly-qualified Judges at affordable flat-rates. “Apart from the convenience of being able to settle a dispute from the comfort of your home or office, arbitration is becoming popular because suing someone in court is a public process where information about a business or someone’s personal affairs is available for anyone to see. Not so with arbitration – It’s possible to avoid unwanted publicity and to protect confidential information from prying eyes”, said Lance Soskin, president of eQuibbly. “Most people don’t realize how time-consuming, intimidating, unpredictable, costly, invasive and frustrating court can be – even small claims court. I explain what litigation is like in an article I wrote titled ‘Is Suing Someone in Court Similar to Getting a Digital Rectal Exam?’”.

The Situation In Trial Courts Is Dire. Government budget cuts have led to many courts being shuttered and others downsized, resulting in even larger backlogs for courts with an already over-burdened docket. In many jurisdictions, hundreds-of-thousands of claimants must now wait much longer than normal to have their day in court – some waiting years to have their civil complaints heard by a judge. Chief Justice John G. Roberts Jr. wrote in his annual report on the state of the federal judiciary that budget cuts will create widespread delays in resolving civil and criminal cases and over time these delays will give rise to “commercial uncertainty, lost opportunities and unvindicated rights.”1

To learn more about how disputes are resolved on eQuibbly, browse “How It Works” and “What types of Issues can be Resolved?”. You can also read more about the “Cost of Small Claims Court Litigation”.


eQuibbly offers a simple, private and cost-effective way for individuals and companies to resolve disputes without the expense and aggravation of litigation. For a reasonable flat-fee, former official trial Judges arbitrate cases online and hand down legally-binding decisions that are enforceable in courts of law.

Private entities are permitted by similar arbitration laws in the U.S., Canada, the U.K. and many other countries, to decide cases and hand down legally-binding decisions called Arbitral Awards that are enforceable in a court of law on a summary motion. Regular contracts, like settlement agreements, are not enforceable in this manner – to enforce them one would first have to litigate the matter. The purpose of arbitration is to bypass litigation and end up with an enforceable decision.

PR Contact for eQuibbly:

Lance Soskin





1. 2013 Year-End Report on the Federal Judiciary, December 31, 2013 (

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How To Identify Authentic Louis Vuitton, Chanel And Other Luxury Designer Items

(PRWEB) October 04, 2013

Thanks to the World Wide Web, shoppers have the opportunity to browse thousands of offers in pursuit of the best deals in online shopping. Unfortunately, the internet also provides less trustworthy merchants of “quality goods” the perfect cover to scam trusting consumers into buying items of poor quality, or in many instances, downright fakes. Longtime admirers of luxury brands and those looking to enhance their fashion repertoire, can avoid the embarrassment and frustration of purchasing phony goods by learning to identify authentic merchandise.

1)    Research The Seller: When completing a transaction over the internet, a Web site is getting more than your money: The results of giving your name, credit card, e-mail, and mailing address to an untrustworthy vendor can be disastrous. Start by search the name of the company and see what turns up. The Better Business Bureau can be a powerful tool for consumers looking to check the validity and reputation of businesses both on and off the internet.

2)    Learn The Lingo: Web sites may use any number of phrases to describe the type of merchandise they carry, but the phrase ‘100% authenticity guarantee’ is one of the most valuable when shopping for luxury brands. This is because, in the fashion world there is a difference between counterfeits and knockoffs: The former being an outright imitation of an existing product right down to the designer logo, the latter, a product simply “inspired by” another, more popular creation. Designer clothing does not have copyright or trademark protection, which makes knockoffs legal to sell – so long as they are not “inspired” to use another brand’s logo. Sellers of counterfeits, however, bypass all assertions of inspiration and attempt to convince buyers they are purchasing an authentic item. Therefore, be sure to identify a logo, trademark and authenticity guarantee when considering an online purchase.

3)    Return/Refund Policy: A seller that refuses to accept a return under any circumstance ought to raise a red flag. People make returns for a number of reasons: The item appeared larger online, or perhaps the color seems a little off, or it may just be good old fashioned buyer’s remorse. Whatever the reason, most reputable sellers allow buyers to request their money back if they are not happy with their purchase. The length of time allowed for returns may vary, but be wary of any Web site that seems more interested in completing a one-time transaction than earning your respect and continued business.

By doing a little homework, shoppers can better prepare themselves for online shopping and get their money’s worth in the pursuit of upscale designer fashion.

About LuxurysCloset

With over a decade of experience, LuxurysCloset specializes in buying, selling, and consignment of authentic couture fashions. Buy, sell or consign favorite luxury designers such as Louis Vuitton, Prada, Gucci, St. John Knits, David Yurman, Christian Louboutin and more. All items are Guaranteed 100% authentic. Visit LuxurysCloset online at

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Litigation Solicitors’ New Warning Over Mortgage Mis-selling

Litigation solicitor Carly Jermyn of Coles Miller LLP

Poole, Dorset (PRWEB UK) 30 April 2014

New rules to tighten up mortgage lending will not prevent mis-selling – borrowers should still remain vigilant, warn litigation solicitors Coles Miller.

Borrowers will now find it harder to secure a home loan under the new Mortgage Market Review (1) – the biggest change to the regulations for at least 10 years.

They will have to answer more questions about their expenditure, instead of simply their monthly income. Industry analysts predict it will delay lending decisions.

Many lenders have already changed their practices to comply with the new rules.

But Coles Miller is warning borrowers not to be complacent – they could still be mis-sold a mortgage despite the tougher new regulations.

Coles Miller litigation solicitor Carly Jermyn said: “Mortgage mis-selling will always be around. There will always be advisers who fall foul of the rules.”

She and her colleagues are working on a number of cases where borrowers have allegedly been mis-sold home loans.

They include:

    mortgage loans that extend beyond retirement – so the borrowers have little realistic hope of being able to pay them off
    interest-only loans – borrowers were sold loans but given no advice about the investment vehicles needed to repay them
    debt consolidation mortgage loans – borrowers were persuaded to transfer all their unsecured debts to one low interest rate loan secured against the property
    self-certification loans – advisers persuaded borrowers (typically self-employed) to certify their own loans, tempting many to unwittingly borrow more than they could ever hope to repay.

Solicitors at Coles Miller help victims of alleged mis-selling by auditing the loans and other financial products sold to them and cross-referencing them with their circumstances at the time. Claims are pursued on a no win no fee basis.

Mrs Jermyn said: “Borrowers who believe they have been mis-sold a mortgage need to act quickly to ensure they bring a claim within the relevant time limit – also, the longer they leave it, the more likely it is that their adviser could cease trading.”

She added: “It is easier to pursue a claim against the mortgage advisers because the lenders will say that they are not providing advice.”

But it is still possible to pursue a complaint against the lenders – the Mortgages: Conduct of Business (MCOB) rules stipulate that a lender must “demonstrate that it has taken account of the customer’s ability to repay the regulated mortgage contract…and each further advance”. Records must be retained for a year.

As well as helping borrowers with their mortgage claims, Coles Miller also assists companies seeking compensation for alleged interest rate swap mis-selling.

Earlier this month there were concerns (2) that the banks were likely to miss their May deadline for compensating firms mis-sold interest rate hedging products.

Companies with potential claims need to hurry. In theory, there is a six-year time limit on mis-selling claims for interest rate swap products, most of which were sold between 2005 and 2008.

But those whose case falls outside the six-year limit should still contact Coles Miller because the banks may have provided advice, which is not affected by the deadline.

Dorset-based Coles Miller handles mortgage mis-selling and interest rate swap compensation claims from all over the country.

For more details about how to claim compensation, please contact Coles Miller litigation solicitor Carly Jermyn, 01202 673011.

(1) Lifestyle Quiz To Secure A Mortgage, BBC News, 25 April 2014

(2) Banks Behind Schedule On Swap Scandal Compensation, Daily Telegraph, 08 April 2014


Notes For Editors

Coles Miller is one of Dorset’s leading law firms with offices in:

    Poole – (01202) 673011
    Charminster – (01202) 511512
    Bournemouth – (01202) 293226
    Broadstone – (01202) 694891
    Wimborne – (01202) 935039

Coles Miller is one the largest law firms in the region with 13 Partners and around 115 staff. It traces its history back to the late 1920s.

As well as providing a full legal service for the private client, the firm also has one of the largest dedicated commercial departments in the Bournemouth and Poole area.

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