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Editor was right - NO MORE TB at Standard Life!
I am shocked but not suprised, if that is possible. They short-changed us with the use of LAUTRO 'assumed expenses' and now they want their flipping ball back too!! What a bunch of bandits, I expect a claim for defamation will be on the way soon but I really don't care.
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1st Time Buyer What Can I do !!! PLEASE HELP
Hi all, Me and the Wife have been renting now for 10 years and are both in our early 30's. We need to get on the property ladder but it seems impossible. I earn 21k and the wife is on disability Living Allowance (non means tested) and gets around 7k per year. When I looked into getting a mortgage 2 years ago the most they…
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Help Who Do I Trust!
After following the advice from the whizz kids on this site about my under performing endownment I have spoken with 3 independent financial advisers hoping to help me arrive at a decision. Each one has given me a different reply. My policy is currently between 6-12,000 under with 7 years to go. Its with AXA and is unit…
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FSA protects consumer against sharks, WHO proctects consumer against FSA?
FSA protects consumer against sharks, WHO proctects consumer against FSA? As I understand things (please correct my if I'm wrong) the average number of complaints against mortgage companies over the last few years has been around 100 p/a. I believe about 50% where upheld. (mortgage doesn't not equal endowment) Talk about…
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Endowment UK
Click Here for a company who offer a no win no fee service & have a free 60 second checker to establish whether you may have been mis sold an endowment. - - - - - - - - - - NOTE - This company was advertised on Greasypalm, this is NOT an affiliate link. I am not associated with this company. Ensure you read the small print…
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LIBOR stateside tracker mortgage
Anybody taken out a mortgage based on the US LIBOR 3 month rate ? Skipton have a 7-year tracker, with a rate at +1.5% above the LIBOR rate which is approx. 3% at the moment, giving a rate of 4.42%. I'm remortgaging and was wondering if the LIBOR rate is particually volatile, as it has gone up a little recently. Otherwise,…
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Mortgage and general advice please
Hi, I would appreciate any advice that you could give me over this quandary. We have had our house on the market for 6 months now, it is worth £300,000, it’s a nice house on a nice estate and it will eventually sell once the market picks up. However we need to move in the next 10 weeks due to my partner’s new job. We are…
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Shared ownership mortgage. HELP!!
I have finally got fed up waiting for the impossible. ie buying my own house. So we have decided to see if we can afford a shared ownership property. Price is only 60 000 for a 60% share of this type of property, and I earn 21 500 Plus my wife earns 6000. Please tell me I can afford a mortgage for this. And who does them?…
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FTB: what can I borrow?
hi, im 24 and wife is 23. I finished university a couple of years ago (didnt do very well) got a CHe in accounting and finance. I am contemplating in completing a ACCA course. But, not sure cant really be bothered to study anymore. I currently work for BT permanent BT employee not agency. I have a 30 hour contract which…
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Standard Life Endowment Policy
I wonder if anyone can help me. In July 1987 my ex husband and I took out an endowment policy with Standard Life. It was taken to go with an interest only mortgage. I believe it was mis-sold to us but I am aware that I can't do much about it as it was taken out before the 1988 cut off date. We are now divorced and it is…
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Fix now or wait ?
I am coming off a fixed rate repayment morgage with the nationwide and have the opportunity to refix but on a significantly higher rate do I go for it now or wait till after the elections any advice would appreciated. :confused:
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Interest Only Mortgages
Evening all, I am currently looking for a place to move into with my partner and as i cant get a mortgage myself i was looking to rent. However the average price in my area is £400 per month. Now i have spoken to my father he might be willing to get a joint mortgage with me if this is possible so i can get an Interest Only…
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a hopeful FTB
My partner and I are both 32 and interested in getting a toe-hold on the property ladder. Saving up for a deposit - of at least 10% - could take a while :o , then if after paying the mortgage for say 20 years, one of us dies, do mortgage payments then stop :confused: . Leia
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Endowment puzzle
When i bought my new house in 1991, my solicitor talked to me about buying my policy through him. He did some research, showed me league tables of the best perfromers as shown in financial times etc. The standard life policy was seen to be the best perfroming policy, which i then decided to buy. My solicitor asked me to…
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Interest rates up or down
I have been told by my work mates that after a general election interest rates generally go up for several months on the bounce. Is this true as I am currently on a variable rate mortgage and was wondering if I should change to a fixed rate. Any advice would be great. cheers Ian.
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Any lenders to waive-off repayment charges?
Just wondering if there are anu lenders who can waive off repayment charges? I have about 3k to pay as charges. I have a bit of savings (20k)that I want to put into capital but due to fixed with HSBC I coulnd't do so. Thanks M
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Cant Claim against Endowment Mis-Selling.
I have just learned that BECAUSE MY MORTGAGE WAS TAKEN OUT PRE 1988 THAT THE FSA ARE NOT INTERESTED IN PERSUING ANY CLAIM. IS THIS CORRECT? APPARENTLY, THE ONLY REDRESS LEFT OPEN TO ME IS TO SUE THE COMPANY CONCERNED. (BARWICKS ASSOCIATES, WHO HAVE SINCE CEASED TRADING, I BELEIVE). (Sorry, hit Caps in error) Riz
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Standard Life endowment.
Ok just had a red letter. Given the following information how much am I really likely to get on maturity in Oct 2010 Current value 1/2/05: £8437 Why is it less than 12 months ago? Value 1/2/04 : £8571 Min amount payable at maturity: £10803 Target amount: £17000 What it might be worth: @4% £10803 @5.75% £11700 @ 7.5% £12800…
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Can I get a mortgage?
Hi, I am currently renting a property at £450 per month, and would very much like to buy my own place, however, I am currently using a DMP with CCCS at the moment, and have a few defaults against me. I have never had a CCJ - default is the worst I have had. I once had a mortgage, and never missed a payment on this. I guess…
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Offset mortgages.
Help please, I'm changing mortgages at the end of the year. I will only owe £13k and hope to pay it off in 3 years. Someone has suggested that I get an offset mortgage for £26k and offset £13k. Therefore not paying any interest on the £13k. Is this right? Any help or suggestions appreciated.
