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Reclaiming overpayments from a Public Authority
I have been paying for a boat mooring for the past eight years and now discover that I have been overpaying by misquoting the boat length. I have asked for the overpayment to be reimbursed or the current due fee reduced. Although accepting the fact that the overpayment has taken place they are refusing to refund the…
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Complaint letter for Missold Mortgage
Does anybody know if there is any kind of template claim letter for just a missold mortgage? All I can seem to find is missold endowment mortgage templates, I am trying to put in a claim for my parents who have been missold a mortgage on so many levels. I have contacted the Ombudsman today who have advised that firstly I…
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Can I claim breakdown and personal cover back?
Help!!! several weeks ago I was approached by my car insurance provider regarding breakdown and personal cover, i point blank did not want this cover but after a lengthy phone call the sales girl persuaded me to go ahead with the free trial, I made it clear to the girl that because i was heavily pregnant i wanted a…
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Mortgage arrears admin fees
I had a mortgage and in 2004 due to serious financial position we decided we had no other option but to sell our house pay off mortgage which was in the arrears and clear all our debts. We did this and cleared the slate and rented a house.At time due to interest on mortgage and month bu month arrears admin fee of £25 this…
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I can't get my deposit back
I am really having a problem with The Deposit Protection Scheme. My landlord as he should have done, put my deposit into this scheme. However, now that I have left, I need to get it back. He can't give it to me directly, it needs to be activated by me logging in online. However I don't no my Deposit ID or Repayment ID.…
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How can I see if I am owed anything like council tax?
What do I do?
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Paid £150 to oakwood mortgage to get ex's name off, then got declined?
It's been declined after paying £150!! We have asked for it back and no luck?
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ppi and endowment under performance
I have been lead to believe that all though my mortgage was paid up some 6 - 7 years ago and taken out some 23 years ago, that I have a claim for PPI and mis-sold endowment due it's underperformace. I find this hard to believe but the Company trying to get me to take an agreement out with them is quite adamant that I have…
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bad investment advice
hi 3 years ago an ifa recommended me to invest part of my pension into an unlisted company in uk working in telecommunications in east africa, over the last 2 years he also advised me when i had more money to invest that this company was still the best investment choice out there for me, after meeting the ceo of the…
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Ace gifts & cards charges
I have had an account with Ace for many years now and they charge a fee of £20 for late payments. Can I reclaim theses? Thanks.
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WFS & Defaults
Good morning, This might not be the right place to put this, but I'll give it a go. Though I got some good news that WFS mis sold insurances to me and compensation has been paid (search my previous posts), I have now been handed a Default notice by WFS for non-payment. The Default was issued on 3rd August 2011 and no…
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Missold Mortgage - Countrywide (2004)
Bought my first house in 2004 with my missus. The estate agent had an inhouse team who gave financial advise, and in particular mortgage advise. So we had discussions with the chap from Countrywide, and ended up signing up to a 2 year fixed rate deal with Northern Rock, as at the time we wanted a 100% mortgage. So just shy…
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Claiming from a company gone into adminstration
Hello, Can anyone offer advice on claiming from a company (Jual Domestics) that's gone in administration. I ordered a fridge freezer online (18th July) I paid using my HSBC visa debit card £299.00. The item was not in stock at the time of ordering but I was given an estimated delivery of 2/3 weeks. I emailed yesterday to…
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Complaint letter against IFA, letter ignored!
Hi, Following advice recieved from here and another IFA i have issued my IFA with a formal letter of complaint due to large losses we have incured on an investment that was supposed to be low risk (i cant post a link to the thread im refaring too but if you search my name you will find the details). The letter was sent…
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Mortgage exit fee - Bank of Ireland (2007)
Hi All, Just looking for some advice. In 2005 I took out my very first mortgage with Bank of Ireland. When the fixed term expired in 2007 I moved to Halifax. However, I was charged a £195 mortgage exit fee (NOT a redemption penalty as I was out of the fixed term). This amount does mirror what is written in to my contract…
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Overtaxed as a student?
Just stumbled accross this page: http://www.direct.gov.uk/en/MoneyTaxAndBenefits/Taxes/BeginnersGuideToTax/IncomeTax/Taxrefundsreclaimingtax/DG_078486 Looks like im too late cos i finnished me studies in 2004, any one know any different?Should i risk a call to the IR?
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Claiming PrivacyGuard
Hello all, I have just joined the forum but have been getting the emails for a couple of years. I hope you can help. I had PrivacyGuard from lloyds for a while (similar to Credit Expert, checks your credit file/rating) and was going to cancel, but found a Confirmation of Cancellation letter dated 14th November 2008. The…
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EMCAS and extended car warranty - advice please?
Hi All, My mum has received a called from EMCAS or EMC Advisory Services LTD to say that she is able to claim on her extended car warranty - which she feels was mis-sold. EMCAS have told her that extended warranties have just started to be 'looked into' (not sure who by, the FOS??). I told her not to complete any forms…
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Selling county court judgement
Hi, I have recently won a CCJ against a builder for the amount of £9,500. I have done searches and he does not own his property so I am considering selling the debt to a debt collector. Does anyone have any experience of this? Or can recommend any particular agencies or impartial websites where I can find out more about…
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Bank has taken twice the monthly amount for the second time in three months
Hi All I have a payment plan set up on my TSB CC for £100 / month.On the 22nd May they took £200, This left me with bills that could not get payed on time and an un-arranged overdraft fee from my bank.On July 27 after numerous phone calls they returned £100 and are sending me a cheque for £100 (£50 to cover any charges and…