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Mortgage PPI - umemployment
Hello - I hope someone can help me as I am a tad confused! Our original mortgage company was 'taken over' by a larger one a few years ago. We originally had PPI for unemplyment. Before the mortgage company was taken over, we went self-employed (which I now believe is worthless) In July 2008, the 'new' mortgage company…
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SERPS Compensation?
Browsing the internet I have come across a link to a company offering to see if I can claim compensation if I ever contracted out of SERPS (which I did for quite a while). Anyone know if this is a viable option or is it a scam? I just took my financial advisors advice at the time so I don't know whether I got a good deal…
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Mis-sold mortgages - can anyone shed any light?
I have been contacted by a solicitors who are stating that my mortgage may have been mis-sold to me. Now I know these people are trying to get my money through % share of any compensation, so am not saying I am going to go down the "no win no fee" route with them, but I know nothing about the things she was talking about…
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Reclaim Man Utd Shares
Hi, I've just come across a letter to say I'm entitled to some cash from the Glazer family from their purchase of Manchester United back in 2006. I have the old share certificate and letters showing what my cash entitlement is. However, as it's so long since I received this info I don't know how to go about claiming this…
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missold welcome finance secured loan
any advice would be really appreciated.... My partner took out a loan for £10000 in 2004 with welcome finance, they would only give him the loan if his previous partner also signed the agreement. Payments were around £250 per month at first. Around a year later they split up and he was left to continue to pay. He rung WF…
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Raising a legal case for compensation 15-16 yrs after incident?
Hi guys, not sure it this is the correct place to post this or if theres even a section for it on here? I want to know if it's at any way 'possible' to raise a legal case for compensation if it's around 15-16 years after an incident that occured? Note: There was no case originally raised due to parents having difficult…
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Council Tax Valuation for property built after 1991
Hi, I have just tried to appeal my council tax on the basis that most the 3 bedroom semis in the area around me which are larger houses with garages and larger gardens (mine has no garage and I don't own my parking space due to the house being in a development where the parking is owned by a management company and we have…
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currys laptop insurance reclaim?
hi, was sorting through my direct debits and noticed one for currys for £6.99. i had no idea what it was for so i cancelled it and waited to see if they sent me a letter so i'd know what it was. And they did! Apparently its a 'whatever happens' insurance for an advent laptop i bought approx 5 or 6 years ago. The thing is i…
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mortgage with bad credit
ive bad credit of 450 points, ive a mortgage on a property of £100k the property is worth £250K ive defaulted on payments but always caught up due to being self employed money doesnt come in freely like it use to, if i sold this property would it be hard to get the mortgage company to take me on? or my mortgage company i…
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Help reclaim consortium
I cancelled my contact with reclaim consortium 2 days after taking it out, their policy is that it takes 28 working days, it has now been 31 days and they still have not refunded my money of over £3000, Please help what should my next step be to reclaim my money back?
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Default from 6 1/2 years ago still an issue when applying for credit
Nearly 6 and a half years ago I made a part settlement fo a debt of about £1000 - the debt company let me off about £300. I had expected after 6 years that I'd be able to get credit again since I've had not so much as a bank charge ever since my account defaulted over 6 years ago but I'm still being refused a sim only…
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Loan affordability
Can I ask some advice (hope this is the right place to do it). I bank with HSBC and have done for half of my life. All my finances are with them (except for £40 on a store card). Last June I got a loan from them to pay for my wedding to my then long term partner. Last week I contacted them to see whether I could get a…
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can I claim for late payment charges on mortgage?
Hi All, A while a go I got in to financial hardship and missed payments on my mortgage, which caused it to go into arrears. I've managed to get my head back above water and paid of the arrears and all is good again. Looking back at my mortgage statements, I've been charged £35 for every missed payment and then £35 for…
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Orange/ NPower failing to refund expired account credit
Hi all, Apologies if I haven't posted in the most appropriate group, but hopefully someone in here will be able to give me some advice on an issue I'm finding extremely frustrating! In the last 6 months I have ended my mobile contract with Orange, and a boiler care contract with NPower. Both companies have debited money…
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Bank claims no interest payable on old account
I found an old passbook for a savings account, and made enquiries with the bank (RBS). After 4 months of stonewalling, they told me that the account was closed by the bank in 1988, at which time the balance was just under £100. They have offered to give me the balance amount, but claim that interest is not payable because…
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Development behind my home
Our mortgage provider, Northern Rock, never flagged up 'potential development land' behind our home. 11 years later we have a mortgage elsewhere (again nothing was flagged by these either), and 52 houses being built at the end of my garden in 18 months time. i keep being told that our mortgage surveyor should have picked…
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I need to end my Hire purchase agreement
Hi I took out a car on HP agreement in Jan 2009 and I have never missed a payment. Recently I have lost my job and cannot keep up the payments. I have paid more than 50% of the agreement total so I can voluntarily end the agreement. The problem is, the HP company say that I have exceeded the milage agreement. This was…
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asda or natwest to blame for taking my money?
hi all, PLEASE HELP ME! yesterday we shopped at asda's spent £29.77 and asked for £10 cash back, on paying, my card was declined three times, i explained there was money in account as i had checked before going shopping as money is tight. through all this embarresment i had to leave my shopping and go back home to phone…
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Unclaimed benefits after death.
My father has just past away and in winding up his estate it appears that for the last five years or so he would have been elligible for council tax and housing benefits but being a proud man he never claimed them. My question is can what is in effect an overpayment of both for these past years be claimed back…
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PPI Mortgage NOt regulated by Consumer Credit Act?
Ok applied to both Abbey National and the Northern Rock for mortgage PPI mis-sold on both sent letter from MSE website asking for info. ONe was sold in 1993 and the other in 1994. Both stated they were not covered by Consumer CRedit Act and therefore I have no claim they will not be assisting further...WHAT NEXT? :mad: I…