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AA Breakdown cover
Hi, I have recently found a direct debt from my account last month that appears as an AA Installment. I no longer have a car and cancelled my service with the AA in January 2011. I told them I had sold my car and needed to cancel all services with them in January and followed all that I was supposed to do. I spoke with…
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mis sold mortgage
I have been contacted recently about being mis sold my mortgage. I am worries that this is a scam, and that i will pay the fees and not get anything back. The company is Chase Aalexander Associates, does anyo ne know anything about this, is it safe?
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MPPI - We've been nobbled
Hi, I don't know how I stand on this. I have since 2006 been on long term sick for mental health problems with no real sign of a return to work for foreseeable future. When I initially went on sick I fell behind with mortgage payments and same as most people ended up on the phone to mortgage time after time. Over a period…
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Late payment penalties
Is there a guide anywhere as to whether late payment penalties are fair? In my case, if I am a single day late making my monthly payment I am charged £50. If I miss the month completely but pay the next month on time, the payment is allocated to the older instalment and another £50 applied - which means there is a late…
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Reclaim Airport Taxes
Bought return flight from Zurich to London. On my return, I was told due to Visa restrictions I could not return to Zurich. Rang Opodo to reclaim airport taxes as ticket is non-refundable. I was informed that I paid £48 for airport taxes however, a part of it was non-refundable. Only £33.80 was due back to me, but I would…
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Won back charges but blackmarked
Back in 2007 i contested several debit charges with abbey national of which i won and the amount was wiped,they also closed my account without telling me. I now bank with lloyds and have been refused for a small loan to which i was advised to get a experian creit report which i did. My history is perfect apart from a black…
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Student, Council Tax, Baliffs.
Hi All, First time poster here so please be patient. Basically I have been a university student for the past 3 years living in a property that due to my student status would make me exempt. However I have received letters from bailiffs threatening to remove my goods for unpaid council taxes for this year. (!?) This is…
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Is this even legal from Lloyds TSB?
My mum is an OAP and currently being hassled by the banks, day in and day out with threatening letters and phone calls. She had an overdraft in 2007, one day the bank phoned her up and said they were taking it away (she was £700 overdrawn at this time) they took her entire months pension to retrieve part of her debt and…
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claiming money from an old bank account
I had an account with the manchester and salford trustee savings bank a small amount of money has been there since 1963, i think TSB took them over, and since then they have become lloystsb, can i reclaim with interest Reftel10
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Excessive fees from a car insurer
Everytime my direct debit fails I get charged £40 by my car insurance company and if I don't pay it they'll cancel my insurance. Is there any way of reclaiming these? They seem grossly unfair to me. :(
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query about mortgage exit
I was charged in 1998 by tsb homeloans £839.75 because my husband had died,on the bill it says Redemption Fee £0.00,all mortgage and insurance etc paid up to date by endownments ,THIS IS WHAT IT WILL COST TO REDEEM SECURED LENDING £839.75. this is the bill i was left to pay,and yet it says on the bill in the calculations…
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Bank forced house sale - advise please
I hope this is in the correct forum. My partner built 2 properties one completed in 2004 and one in 2008. At the time the bank advised he would have no problem getting a mortgage on both properties once complete even though they had restricted use (part commercial). The first property has been rented out until last week,…
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Mortgage advance for investment bond 1990 - all money lost need advice
Hi all, I desperately need some advice from those in the financial and legal know. I’ll start by setting out the situation and then go onto ask a few questions if anyone could help me or point me in the right direction I would be extremely grateful. The situation Please note all text in quotation marks are taken from the…
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The bank has lost our deeds
A well known Scottish bank has lost our deeds. We had a mortgage with them which we repaid several years ago. We thought where safer than the bank than to leave our deeds. In our defence this was before the banks crashed. Six years ago we needed our deeds for our very old house. Our solicitor applied for the deeds, we paid…
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Online Auction Refund success
Techbid / i-bidder on-line auction - Court case success! It’s great to report a success story concerning an issue that may affect a lot of readers. I was tempted to bid in an online auction – hosted by i-bidder from a company called Techbid. The auction was for used audio/visual equipment and I needed an audio mixer. There…
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Mortgage mis-selling: How to start a claim?
Hi, I recently read an article about Mortgage miselling (one 's' or two?) and i remember there were three main criteria that would make it possible to claim. I can not remember two of them but one was if the mortgage provider hadn't checked your income. Well, rightly or wrongly, 30 years ago my father was struggling to…
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reclaim mortgage fees
Hi.. Is it just PPI and mortgage arrangement fees you can claim back. I recently heard that you can also claim for mis-sold repayment-interest only mortgages. is this true. Thanks
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Letting Guarantor Fee
Hi, My wife and I recently paid a letting agency £195 to run a mandatory credit check to facilitate us renting a property from the agency. We transferred the money into their account and were subsequently sent a web link to complete the application. I have some adverse credit so after the application the agency came back…
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claiming interest and PPI on renewed loans
Hi, please help -does anyone know how to reclaim added interest and PPI on loans when renewed loan and instead of just paying back the initial loan, the interest and PPI was added onto it, (so really had paid twice, once when taking out the loan then added on when renewed ) I hope this makes sense :mad:
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Paypal recurring charges
Hi guys, I used my paypal account earlier in the year to buy virtual cureency with an online company called Aeria Games. You might of heard about them.. I paid $50 for the product everything was fine no catches.. Then when i used there service again, i was unaware they set up a recurring charge of $50 every month.. I went…