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Interested in returns on with profits?
If so, there's an excellent piece in the latest of issue of Money Management on the very subject. Highlights that it's not all bad and that best perfoming policies outperform the best balanced managed fund over all time periods. Worth a look if interested. Can be found on page 62.
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Who do you recommend I approach for first time mortgage
Hi I need some advice please on who to approach for a first time buyer mortgage, I will need to move in September as parents moving away and I need to stay in the area because of work. A quick summary of my situation: Salary (before tax) £18,000 Partner (Temping) £9,000 My Unsecured Debt: £24,000 Minimum Amount required…
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stupid question
ok im a FTB and need a mortgage so spoke to London and county who advised me that abbey would just about lend me what i need. now if i go direct to abbey shoul i get the same amount? i would just feel better sitting down with a real person to do the application or do i have to go through L and C?
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LEGAL AND gENERAL- ENDOWMENT MIS-SELLING
Has anyone had any success with Legal and General and if so how long did you wait? I applied about 6 weeks ago , have had a letter stating they are still working on it , and that I will hear again within the next 4 weeks.Just wondered how likely I am to be successful( It was in 1993 for £20,100 by a Legal and General tied…
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Calculation of Compensation for Mis-sold Endowment
Can anyone advise please. I have complained about our endowment and have just heard that the complaint has been upheld, they are now offering a choice of two ways of calculating any compensation due. 1. They will assess our current position using details of our specific mortgage history, details of which I will need to…
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First Time Buyer Advice - 25yr old
I need advice on what to do to eventually get my foot on the property ladder. I am 25 and am earning just under 19k as an IT Technician, I am currently living with my parents but I'm stuck for ideas on what to do next to start making the move onto the property ladder. Is it possible to start paying into something now so…
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Endowment Compensation Questions
Hi, We have just followed the advice within this site to claim compensation for my Mums endowments. Sorry these questions are vague, but we really do not understand a lot of this. Can I just confirm the following points before we can accept/reject the offer. 1. The compensation offered is the difference that you have lost…
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Quicky discount?
A good friend of mine is rate surfing and looking for a 145K loan on a 400K property with an joint income of 61K He's just finised a deal with that was runnuing at 4.55% over 2 years and has a £200 get out payment. He's looking for another "surfers friend" discount rate over 2-3 years with no extended tie-ins (obviously).…
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What happens to my mortgage when I move?
Hello all!Here's hoping I can pick the collective brain of all you money-saving maniacs out there!Are you sitting comfortably?Then I'll begin!I have a sub-prime re-payment mortgage with I-group(I am tied in for 3 years,I have two years to go ).I have two CCJs,which have been satisfied(but will be on my file for…
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Cash surrender offer for endowment
I have a Friends Provident with profits endowment policy which has been running since September 1988 and will mature September 2013. I am timed out and am not able to claim misselling. It was supposed to pay out £30,000 but has a shortfall of between £12,000 and £6,000 (depending on assumed investment growth). The growth…
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Remortgage help needed
We're looking to remortgage in July when our current deal with the Cheshire ends. We need to raise some capital for an extension. We therefore want to up our mortgage by some £30k . I'm not working at present, so our borrowing capacity is based on husband's earnings (new mortgage amount would be 4.1 times his basic) but he…
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Advice needed desperately.
I have a 60K mortgage. 25K repayment, 35K endowment. I have 3 endowments for 50K total. 2 with Standard Life (35K) 1 with Legal & General (15K). I appealed on miselling for all in 2000. All my claims were thrown out. 2 days ago I recieved a letter from L & G offering me £7700. This would only be if I surrendered my policy…
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Which Lender for Buy to Let?
I'm looking for a reliable buy to let lender. Does anyone have a lender that they have actual experience of using that they could suggest? Also, are there any with more of an online presence than the ones i've seen from googling, since these all want my details, whereas all i want is free info!?
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Possible to claim from closed endowment?
Hi all - this is a different post to the norm I suppose - many years ago (1998 or 1999 I believe) I took an endowment mortgage out with after bad advice from Fox & Sons. We were first timers so we should have never been advised to take out an endowment but there you go... We then sold the property in 2000. In 2001 I left…
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1st timer-HELP!!!!!!!!!!!!!
thanks every1
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Endowments
:confused: I cashed in my 3 endowments when I moved house 2 years ago. I know I should have complained. Can I still make a complaint even though I no longer have the endowments?
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Have you heard of a company called 'Mortgage plc'?
I was told today by my estate agent that our purchasers are going through a company called 'Mortgage plc'. I'd never heard of this company, so I did a quick search on the internet, and found the following paragraph: Mortgages Plc are based in Scotland, the main reason I would recommend these is that they offer sub-prime…
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Definition of poor credit
I have checked my credit rating and it is 867 (fair) I have no CCJs, no arrears etc Will I be ok getting a normal mortgage with my boyfriend?
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Can I get a first-time buyer mortgage?
Afternoon all, The situation is as follows, I currently rent a place with my o/h and have seen a place that needs doing up that i want to buy. However to get a big enough mortgage i need to go in with my father. Will i still be able to get a first time buyer mortgage if he is on it aswell or will it have to be a 'normal…
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Paymentcare insurance and protection plan
When we bought our current flat we took both of these things out for our mortgage. We were naive FTB's and just went along with everything the Abbey told us. However we have just bought a new flat and will need to change this. I have been looking back at the paperwork and it looks like both of these have been covering us…
