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Increase in credit card limit
Hi All, I am looking for some advice please. I have seen the various adverts and had phone calls about the PPI reclaiming but one call I had last week had led me to ask a question. I have never taken out PPI on any credit card. I have always had cashback cards and over the years have made a fair amount of money on them…
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Income protection policy Hsbc
Hi all, After a bit of advice I took a joint mortgage out in dec 2001 with HSBC we were advised we needed an income protection policy to cover the payments. We continued paying this until nov 2008. However after the uproar in regards to PPI and it not adequately covering the self employed I was wondering if the same…
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HSBC Customer - Victim of Fraud - Bank Don't Want to Help! Please help!
(First of all, apologies if I have inadvertantly posted this in the wrong topic/forum category...) I've been pointed in the direction of this website by a few friends, in the hope that I may be able to get some much-needed advice. Earlier this month I found that almost £350 of my money had been taken out of my bank account…
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PPI Reclaim IVA issue
1) I have been helping an aunt to claim PPI and its been a success however Barclays decided to payout to her IVA company. The cheque was sent to her address but the IVA company was rather named. The IVA payments are still in force. Is she not entitled to some or all of of the money as the 8% interest is in her regard as…
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Santander refusing to pay out on PPI claim
Hi all My in-laws took out a loan with Alliance and Leicester around 9 years ago and also took PPI, they answered all the medical questions required and were accepted. Approximatley 20 months ago (after Santander takeover) they applied for a top up loan over the phone, but were never asked any more medical questions or if…
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want my money back
Santander which I have been a savings account holder for 20 years has somehow lost £300 of my money which is all I had in bank I was given a cheque from someone for monies owed to me and banked it - a few days later, i tried to withdraw some cash I already had in account and it said a negative balance of the cheque amount…
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Claim Sky charges after cancellation?
Hi, this is my first post on this forum and I apologise if it is in the wrong section. I'm after some help/guidance about a situation involving Sky. Just over a year ago I cancelled my Sky subscription over the phone (I never watched it enough to justify keeping it so stuck with Freeview instead) and recently (thanks to my…
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Old Halifax Shares - pre demutualisation - gone for ever?
When the halifax was demutualised in 97 (I think), I got some windfall shares. For a while I got a dividend which then stopped. I believe Halifax was taken over and the shares became HBOS ones - I believe there was a further takeover by Lloyds! I have no paperwork for these shares as I have moved a few times (thats if I…
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Low interestloan/payment
I took a used car out for a test drive today and as it meets all my requirements am keen to buy it. I have money which is tied up with stocks and shares and investments but rather than cash some of them in I wondered about finding a 3yr loan with a lower rate of interest than the garage are offering or is there a 0% card I…
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PPi
Hi All Im not sure what way to go now, I have sent the questionaire the to financial company involved, received a letter say NO. I then wrote to the Jersey Financial Service and the Trading Standards. i received 2 letters from the JFS first was logging my complaint , second letter was NO and advised me if i wanted to…
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Barclays BARX lag outage 3rd 4th August level 1
Has anyone else experienced lag while using the Barclays BARX level 1 trading platform, Barclays confirm that during 3rd & 4th August 2011 there were gaps in the level1 live streaming of the lloyds share price, I felt I could no longer trust the BARX trading platform and closed my account and as Barclays have refused to…
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changing gas&electricity but failing credit report
Hi can anyone help me please? I have tried to change gas and electricity but have failed the credit report. Having not defaulted for 4 1/2 years on either, being told i need to put a deposit down for each at £200 (therefore refundable deposit of £400 for a year) it a bit extreme. It was either that or a prepayment meter -…
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News of the World Cashback Site
Hello I am/was a member of the News of the World cashback site and have well in excess of £100 owed to me, but the website is no longer available. I thought with the closure of the paper there would be announcements on the cashback website with information on what the next steps were going to be, but there isnt. Can anyone…
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chased by mortgage reclaim agency
Hi all, I have always steered clear of PPI's etc, and have thought nothing more of reclaiming monies, but recently, I have found myself being chased by a company called 'lifestyle', who offer to claim all costs, on bank accs, mortgages etc. They charge £300 down, and want 30% of any refund given. Has anyone got any…
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Mortgage anomaly, case for comp? mis-old? need help
Hello there, I have come across some conflicting information regarding my mortgage and wondered if anyone could give me some guidance, it would be much appreciated. I have a northern rock 5-year fixed IO mortgage which in october will be 5 years up. Ive been recentley going through my finances to work out possible…
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Mis-sold Pension Plan
I was mis-sold a pension plan 4 years ago. I have since taken out an annuity. The provider has offered me a significant sum which I am due, in settlement. Should I settle or seek compensation as well. How else will they be punished for their wrongdoing? What are the risks to myself of pursuing an admitted wrongdoing?
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Reclaiming Mortgage PPI Halifax
Need your advice: On a Halifax Mortgage - Can you claim back the Mortgage Repayment Protector Insurance if you believe it was missold. The bank clerk I spoke to with my aunt claims those were regulated products. If she was not made aware it was optional is that a cause for a complaint? * It was not a single premium payment.
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Help with small claims court
Hi all Hope this is in the right place. I wasn't quite sure where it should go. To cut a very long story short, my DH has today had to issue a small claims form against someone who owes him money. He's added on the interest, but because he's stressed and not thinking properly he's just realised he's put the decimal point…
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How can I transfer my dad's mortgage into my name?
My father is rubbish with money. He is 65 and is 4,000GBP in arrears with his mortgage and has received a letter RE repossession from his mortgage co. This is not the first time he's faced homelessness. The CAB have advised him to sell the house to the local council and rent it back from them. I want to pay his arrears and…
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miss sold loan
i brought a car last year on what i thought was a hp agreement only to discover somtime later that it was a personal loan whiih takes out a lot of my rights can i do any thing