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nationwide and fos rejected!
hi guys im new to this forum... what do i do now that nationwide and now fos have rejected my claim. i have to go back to fos if im not happy with there decision but im so disheartened is it worth fighting as these building societies have there ways of getting round there claims. any advice would be appreciated~!!!!
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Unclaimed bank account
Hi, my father in law died 16 months ago and his rather large estate was settled by his solicitor in july this year. My wife was the executor of her fathers will. We have just had forwarded to us from his old home address notification of the maturing of a rather large Post Office investment, that we did not know existed.…
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Tesco Clubcard vouchers lost in post
Has anyone had any luck with reclaiming Tesco vouchers when they returned them unused but can no longer find the postal receipt? I returned £360 of vouchers in July but have lost my receipt. Emailed Tesco when they didn't show on my points statement in September and in response to one of the replies I had back emailed them…
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reclaiming GAP insurance
Hi, I reclaimed PPI a few months ago. In the same finance package i paid £454 as a one of payment to Hitachi (Advent) for GAP insurance. I was sold this policy under the same circumstances as PPI so i believe i have a case to reclaim. Does anyone know exactly how to go about doing this? Is there any templates or forms? I…
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How to sue banks
Can anyone give me some advice on how to sue banks? The short version of what happened is my mum died leaving no will. My brother said he would deal with everything including going through probate. All i had to do was wait for my half share of everything she owned. But he took the lot and gave me nothing. I went to a…
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PPI Claim Companies
A ppi claim company phoned my father who is in his mid 70's, deducted £249.99 from his credit card, which they said they would only do once they find out he has a claim by completing some of the forms they send him. However, this Welcome Pack highlighted that £249.99 had already been deducted. He decided to not pursue this…
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Reclaiming 'mis-sold' accidental damage cover
Hi All, Now, this thread may make me sound silly and a mug, but perhaps worth a shot. Myself and the wife visited a well known furniture company in late 2007 to look at new sofas. We had our then 4 month old son with us. We decided which we wanted and spoke to the salesman. Salesman "Do you want accidental damage cover?"…
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Signed up to joint account without knowing
My daughter asked me to be a co-signatory on her Natwest account as she spends a lot of time in hospital. She ran into financial problems when she was moved into disabled accommodation, couldn't pay her overdraft and CAB is trying to get debts written off due to her increasing poor health. Now we find that Natwest signed…
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reclaiming mortgage income protection insurance
Hi can anyone advise me. I have been paying for an income protection insurance on my mortgage for a large number of years. Since 2000 I felt that I didn't need it as my husband was self employed then long term sick and if I had been off work through illness I would receive 6 months full pay then 6 months half pay. We have…
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Section 75 Advice
Hi All! I'm hoping I've put this in the right place. Couple of months ago I ordered some tickets online. I paid using my credit card. However personal circumstance mean I need to cancel the order. I emailed the company in question who have told me under no circumstance can I cancel even though when I first contacted them…
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Owed Money by Advantage
I recently re-mortgaged with the Woolwich from Advantage. The re-mortgage went through quicker than expected (28th October) so didnt cancel the Advantage direct debit in time for the 2nd November. Consequently, i called Advantage on the 4th November to request the money be refunded back into my account. I was told at this…
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Mis sold a Mortgage?
Hi, I have had a call from Charge Right who are a PPI claim type company. They have brought it to my attention that I may be entitled to a refund on my old mortgage as they feel the interest we paid at the time was too high and therefore had a hidden PPI charge in it? Mortgage was taken out in 2006 on a 2 year fixed term…
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Forced into a Small Claims Action
There was rain leaking into the main bedroom of my parent's flat due to damaged rhones and slating from the snow fall in winter. I was also made aware that the home directly above them also had rain leakage. There are 6 properties in the tenement. My parent's own their home and the other is owned by the neighbour directly…
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Life insurance in wrong name! What can i do?
Hi, 40 years ago, my mother took out a policy on my fathers life. If he were to die, she would receive a payout/income. My mother decided that instead of her being the beneficiary, it should be me. My father has received all the documentation and the letters for the last 40 years. He called to change the policy from my…
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mortgage reclaim help !!!
Hi i'm pretty new to this as been reading for a while but not posted...could anyone please help i had mortgage 2001 with then partner, relationship broke down sold house and repaid mortgage 2006, Am i entitled to any reclaim at all been reading so many things about ppi and early repayment fees as i no longer have any paper…
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my 3month gym contract has over run. Can i claim back my (large) monthly payments?
My husband and I joined a gym on the 1st Dec 2010 on a 3month "couple" contract. The monthly payments were rather large but we told ourselves it was only for 3months and and it would be a good kick start to loose weight for our wedding day. I used my nationwide debit card to set up the full payment direct debit for both of…
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Halifax / HBOS Shares : What happened to them?
Hi Apologies in advance if this subject has been covered before - I couldn't find anything when searching and I'm not too familiar with forums. My question is....When the UK banking system collapsed a few years ago, I was in possession of Halifax/HBOS shares that at the time were worth approx. £4000. I now see that my…
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Reclaiming NRAM ERCs .....whats our chances?
Last October we redeemed our NRAM mortgage to go to a high street lender to get away from NRAM (and got a good deal) ...... I phoned NRAM and asked if there were any deals they were offering to waiver ERCs, they had previously been offering deals up to end of June last year, but I was told NO, there were no deals available…
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critical care
PROBLEM REGARDING PPIs (?) Hello @1994 in order to receive a mortgage, I was told that I had to take out whole life and critical care cover and i am still paying out every month even though the mortgage was paid up in 2000. I then took out a second mortgage and as this cover was for @60000 I didnt need to take out any…
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Funds paid to fraudulent high st bank account
To cut a long story short, in an email phishing attack, an invoice that had been altered was sent via me to a client, who then paid it into a high street bank account in the UK. The account turned out to be entirely fraudulent, but the bank's only comment was 'Unfortunately, fraudsters are becoming more sophisticated'.…