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Endowment complaints form
First off apologies as I've done a quick search but can't find the answer. The Abbey National are reviewing our original complaint and now sent us the lengthy forms to fill in. My question is, what do you do if you can't remember details of any savings. Doubt we had very much, if any. All I can remember is the rates being…
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Decisions on Endowment
I have a £35,000 mortgage on two standard life endowments. We have claimed compensation and won £5,000. three and a half of which we have paid directly off the mortgage. Of course we are waiting to see what...if anything we receive next year when demutualisation takes place but im undecided on what to do then. If I cash…
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Help: reduced income, huge mortgage, end of deal
We have a 130k mortgage with the Derbyshire,, two thirds of the way through a 3 year discounted, which reverts to Standard Variable 6.75 next June. Since we took out the mortgage, my wife stopped work to have kids, now our joint basic salary (Excl benefits/bonus) is only 23k. How can we get a good deal next year? Some…
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SVR or Specific Mortgage History
I have read many of the threads on this site but have been unable to find anything that matches my circumstances. My situation is that the Halifax have now upheld my complaint concerning the mis-selling of the their endowment policy but have offered to calculate the compensation using either the 'Halifax Standard Variable…
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can i get my endownment case file ?
Hi I have asked abbey for my endownment case file as i am in the process of complaining that i was mis sold do they have to send me my case file ??? They seem to be dragging there feet...anyone got there`s sent to them many thanks Craig
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Advice Needed Please
Had my current mortgage for 3 years my house is valued at £200,000 and my mortgage is £45,900 which i had over 20 years my current lender the halifax has just wrote to me saying i have until september the 1st to change my mortgage or i will go onto halifax standard variable rate 6.750. Now this is one area in my life i do…
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Virgin One account - WARNING!
Hello all - I have had a Virgin One account for 7 years (almost since its launch). I love the fact that they are flexible and fair, i.e. when interest rates move up or down, I have always received a letter saying that my interest rate has changed by the same amount up or down from midnight on the day of the change…
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Joolie
Hello Martin and moneysavers, I have just had a mortgage quote for a fixed 4.49% with the Nationwide. Because I payed a non refundable reservation fee of £389, they guaranteed me with this rate. On visiting the Nationwide website a couple of days later, I discovered that they have dropped the rate to 4.39%. I called them…
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Budgeting Help needed.
Help, I have a real dilemma, I'm living in rented accommodation with 33k sat in a savings account. I'm looking to buy a house in January around the 175k mark. I currently have 7k in credit card debt which i currently have on an MBNA credit card & which i move between different MBNA cards every 6 months so that i can enjoy…
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Thinking about changing my mortgage
Hi I currently have a mortgage with the OneAccount and if you dont already know this is an all in one account linked with my current account. I have also stoozed my credit cards and put this money into the account offsetting the interest on my mortgage Im paying 6.9% on my mortgage. the reason i went with this type of…
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mortgage application
i am bankrupt and live with my girlfriend who wants to buy a house. she has good credit but not enough income to get an decent mortgage. can my income be taken into account as additional income? i cannot be on the deeds for obvious reasons.
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First Buy To Let Venture
We are about to venture into our first Buy To Let Property. We plan on re-mortgaging our existing home of the past 14 years, on a buy to let basis and then moving to a new 3 bedroom property. The new property needs a fair bit of work, but has huge potential, so hopefully if house prices do not drop considerably over the…
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Can we borrow enough money?
First time poster so please be patient!! We currently have a joint mortgage with Portman, which is fixed at 5.75%until April 2006 (early redemption figure is £5000), with £110k outstanding on our current property which is valued at £235,000. Want to move to a new property within the next two months, which is marketed at…
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affordablility mortgages..?
please can someone explain to me (in simple terms) how affordability mortgages work? how do banks/ mortgage providers assess what you can afford to pay each month? what do they consider? and how does this method compare toother methods of financing a house purchase? im still fairly new to this stuff, so i want to get my…
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Mortgages without HLC?
Evening all, Myself and my partner are FTBs looking to buy a property for around £90-95k (not as ridiculous as you might think in the North West!) and have found one that has taken our fancy. We can get a £5k deposit togther between us, so would need a mortgage with of £85k, just less than 95% LTV... However, having looked…
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mortgage advice, concerning a split
my ex girlfriend and i are currently buying a house, we have just split up and i need some advice, her father wants me to carry on with the mortgage till it goes through then wants me to sign my share over to him therfore freeing me from the mortgage. my girlfriend would not be able to buy the property alone due to the…
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advice needed, renting property and buying another
We currently have a 1 bed roomed flat and are looking to buy a 2 bed roomed flat so we have more space. We have been thinking of renting out the current property to a friend so we can in a few years time sell both flats and have enough for a house hopefully. So, I have a few questions which I hope someone here can help…
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Offset Mortgage + Tracker
I've recently been looking at remortgaging as my current deal ends in October. I have been very tempted by the offset mortgages, but like many people been put off by the increased interest rate. I currently have savings of £25000 earning 5% - tax at base rate, and £15000 in ISA's which should really be moved to get a…
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Maternity and Mortgages repayment HELP !
I will be going in Maternity leave in Octobre. I currently have a mortgage with HSBC. I went to ask if i could take a "holiday " from the monthly repayment from at least the period i will be going in to statutory pay ( only 100 pounds a week )... I was told that they don't have this option and the only thing i could do is…
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Rate drop implications. Advice sought.
Fixed deal runs out in October. so wanted to get paperwork rolling. We go through a broker, who has found us a Halifax deal at 4.29%. Now interest rates have dropped, will it be worth holding on a month or so, just to see if the mortgage companies offer anything better? I had heard that companies had already dropped rates…
