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Another question re insurance on a mortgage that i was forced to take out
Hi, 3 years ago i transferred the current house that me and my partner live in, to my name alone, as i could get a much better mortgage rate, i told Santander there this before we started to progress with the mortgage and they said that would be fine no problem...however at the last point of taking my OH off the deeds of…
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Does my credit card owe me money
I have had a BOS one credit card for some time now approx 4 years,i have paid off the outstanding balance a long time ago now and have been £3 in credit for about 3 1/2 years. should they have sent me a cheque for the amount? and if so,should They be paying me interest,on the money they have been holding hostage to keep…
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Fairytown
I took out life insurance at the insistence of HSBC in 2005 who said the mortgage was dependent on us doing this- the monthly cost was over 200 on a mortage of circa 800. We both believed that the insurance was to cover loss of job etc as well as illness but never really understood it. I got into financial difficulty with…
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Irish Life Endownment
Can anyone help me. Back in 1986 I bought an Irish Life Endownment and am sure they guaranteed the Mortgage plus a bonus. Due to various factors, I now hold very little paperwork from back then. I have asked Irish Life (now called City of Westminister) and guess what they do not have any past literature. I am desperate to…
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Father left Money to Wife with Altzhiemers
Our Father recently passed and left all of his money to our mother who has been in a home and does not know any of her 6 kids. Our Father was in the Same home and having to pay £24k a year for his keep my mother was granted full funding. Their house was sold and now the money is all in her account. The government have now…
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Accountant's error
My wife and I own a limited company and the company pays us a salary each month. I have recently received a letter from our accountant (who is paid to handle our PAYE) to say that they did not notice that I passed the age of 65 two years ago. As a result they have been charging me NI contributions and now the Revenue owe…
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Visa Chargeback success
I recently got conned on a website where I ordered a refurbished computer hardrive, they took my money (using Visa Debit card) but I got nothing in return despite trying to contact the suppliers umpteen times. I wrote to my Nat West branch on 8th July requesting investingation under chargeback rules and low and behold I…
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Bank Charges £10K to £35K in 1 year
We had a BTL mortgage that we couldn't afford to pay in full so ended up paying £1250 pcm rather than the whopping £1800 we had to pay (long story but got bit by the recession). We had 3 people from the bank come and do an assessment, continued paying (as advised) and all offers for the bank to accept £1250 as the monthly…
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Legal Firm Chasing
I recently had an appointment with a law firm, which was agreed over the phone as a free consultation. Following the consultation, we recieved a legnthy letter outlining how the firm would approach the case, with no real indication of cost, other than the fact that we'd have to pay £350 up front for the commencement of any…
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General Form of Judgement or Order
Hi All, I am new to this, so apologies if I have posted this query to the wrong thread!!:j Situation is, I was unfairly made redundant previously, and through ACAS received an agreement in respect of Actual or Potential claim. This agreement was not adhered to by previous employer and I then applied for a General Form of…
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Accountancy Preparation Fees
Hi there I'm unsure where we stand with this. My partner has been self employed for many years and he used one accountancy firm (*)between 2005-2009. After that he changed firms. He made no request to use (*) for the following tax year, however they presumed he would and are now charging him for preparation fees in excess…
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Consumer rights
Hi all Hoping someone can help! We are or were in the process of wanting to return some faulty furniture for a refund. Which at first the company was arranging. However, I have received an email today saying that the company is now in liquidation. Do I still have a right to a refund and if so who from? The item is over…
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Unexpected Mortgage Exit Fee?
My mortgage was paid off earlier this year and I had expected A&L to arrange the discharge but they advised me that under Scottish Law it had to be done by a Solicitor and that I would have to arrange it myself. Is this not another way of making the customer pay for a service they should be providing? There was no mention…
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MEMBERSHIP CANCELLATIONS/admin charges
Hi, I've been a member of Fitness First since August 2009, so WELL over a year but haven't used the facilities since at least April/May this year. I tried to call them to cancel my membership but they make it so difficult to get through to Customer Services and instore they advised to go the home gym I signed up at to…
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Help: How to claim unpaid dividend while avoiding Prosearch fees
Just been contacted by Prosearch advising me of an uncollected dividend from when Eden Bidco Ltd bought Emap. I wasnt directly informed because I had moved address . Can I claim this dividend witout using Prosearch as they want 12.5% commission ?
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Personal Bank Account
My husband has recently been contacted by an Investigations company who have been asked trace him by a main high street bank for a personal account he did not close down with them 21 years ago. This is the first we have heard of his. He cannot remember for sure if he had an account with this bank at that time but we will…
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Bank made major mistake!
Not sure if this is the correct section for my problem or not. Last week i made a one off overpayment of £20k off my mortgage but things went a little wrong as the payment was duplicated so i ended up overdrawn by nearly 19k. I called the mortgage company to make the payment with my debit card and they called me back from…
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Car Insurance - Took wrong amount Now I have bank charges
Good morning all. A little help will be gratefully received. My son took out car insurance online and gave the company his bank details for direct debits however when it came to the first payment they took out an excessive amount of money because he had failed to submit his no claims discount paperwork. My son never…
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can i claim
just wondering . when i took out my fixed 7yr mortgage around 6 yrs ago i was told you need life insurance which is true but it was put over in a way i thought i had to take it from the bank and i did. no i relize that i can get the same cover for way less money by going with another company.was this naughty of the…
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Kensington Arrears Fees Success
This is just a quick post to let anyone who has had trouble with Kensington Mortgages know that they very easily pay back any arrears fees you may have accrued. I had a mortgage with them years ago and amassed several hundred pounds in arrears fees and other fees (as I was rubbish with money back then). I wrote them a…