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Future Mis-selling Scandals to Protect Yourself Against
I have started this thread in a genuine attempt to dicuss the matter in a grown up way in order to help MSEers who may be looking at dealing with their financial futures soon. Everyone welcome to post, but I would add 2 guidelines: 1. I would be grateful if we could avoid the past scandals (endowments :rolleyes:) and stick…
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switching to repayment morgage
We had a repayment morgage but when i had second child childcare was going to be to expensive for me to go back to work so i handed my notice in to stay at home with children.I rang our morgage company to enquire about switching to an interest only morgage but was quite surprised when she said i will do it now for you over…
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additional borrowing
i have a propery worth £235000,and a mortgage of £133000.i want to know what are my chances of getting a home owner loan for £35000,to pay off all my credit cards and loans.does it go off ltv???? i need some help before applying.i am with abbey and i am tied in to mortgage till feb 2008!!!
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Help please
Just viewed a house this afternoon and really liked the look of it, it's on the market for 158k and were looking to put ours on the market, tops we will get is probably 150k. ok here's my problem we have a joint mortgage with ING, however since taking the mortgage out my wife has given up work to look after the 2 children.…
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super house headache
Hi there Can anyone advise? Basically we have been in the chain from yell (We are FINALLY pushing for the 3oth March to complete by The push is because a mortgage offer in the chain runs out on the 30th. However someone else in the chain is digging their heels and saying they cant move until the 2nd April. Can we (with sol…
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Endowment Claim Letter
Hi, I want to try and get compensation for the endowment that we have with our mortgage. Is there a letter template that I can follow or can anyone help me writing the letter. Obviously I want to get the wording right. Anyone??
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trying to clear up CCJ but what is rate for mortgages?
there has been a misunderstanding (to cut a long story short) and am trying to clear up a CCJ with courts etc that i got without even knowing. However i am also in the process of trying to get a mortgage. if the ccj is still there (and not had any others and have a good credit rating otherwise) until this is done what sort…
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equity release poser
equity release poser i have 2 houses,1 with the missus which has no equity,and 1 my dad lives in with about 40,000 in equity.i cannot borrow anymore because i dont earn enough.QUESTION is how can i get my hands on or part of the 40k.
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Debt consolidation into mortgage
Hi folks I know this has been covered all over the site and I'm aware of the basic principles concerning consolidating debts into mortgages. However, we currently live in a flat and we are so desperate to move into a house for various reasons. I know that we can afford to consolidate and am aware that if we go ahead with…
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Shared Appreciation Mortgage
Hi there I've just discovered that my mum (who sadly died in January) had an SAM - are there any tips, laws, loopholes etc to try to get out of this please, we're absolutely horrified. Many thanks
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HappyVal
Thank you Martin. I wrote to Cheltenham & Gloucester last week about the £225 exit fee they charged me when I redeemed my mortgage in February 2006 and today I have a cheque for £240.07. Fantastic result and all down to your site. Thank you so much and keep up the good work.
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Need a new deal
Hi the wife and i are due to remortgage in May and i am starting to look at diffferent deals. At present we have 21 years left (in may) and have been with Nationwide BS for the last 4 years. We are on a flexible mortagage which is £406 p/m and currently owe around 60500. We bring in a total of £35-£40K pa depending on how…
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For Sell Nokia N95 For Just $300usd Nokia 8800 Sirocco For Just $200usd
LINKS 64 MOBILE PHONE STORE Registration No: FGN/049/76. EMAIL ADDRESS:-LINK64_MOBILESTORES@HOTMAIL.COM LETTER OF BUSINESS RELATIONSHIP we have all kind of mobile phones for sale.we have all kind of Brand new nokia, Brand new sony ericsson, samsung, motorola, nextel,qtek, benq, os and all kind of mobile phones. our mobile…
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MOrtgage repayments too high but cant change due to arrears
My mortgage repayments just hit £840 pcm and i really need to change to another provider but i've been 1 month behind on payments for about 10 months now so noone will take me on. This means it's just getting me further behind all the time and i also have council tax arrears of about £700 to pay off. I'm not on a bad wage;…
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Changing mortgage payment day
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Mortgage/Deeds - Add wife to?
Hi all, I hope this is the correct forum. I own my own house (value roughly 160k, outstanding mortgage 50k). I got married 18 months ago and now have a son. I've been a bit unorganised with mortgage stuff recently, so am looking to remortgage onto a better deal (I'm with nationwide so looks like I can get a good remortgage…
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Any advice greatly appreciated!!!!!
I just wondered if anyone could give me some advice about my endownment. We have received one lot of compensation last year for an endowment taken out in 1993, but the second one we have was taken out in October 1999. We took out a further endowment because we already had one and whether there were any warnings around at…
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Endowment complaint
Hope some body can help. On the 6th March I sent a complaint letter to our wonderful FA:mad: and up to now haven't heard anything back.Should we send another letter or wait to see what happens? How soon should we expect to hear anything?
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how far back for MEAF's
Sorry to sound completely thick, but how far back is it possible to claim back mortgage exit fees? We have had several mortgages since 1980. Thanks alot
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Help finding a mortgage - Probably Adverse
Hi, I've been on here before so I know there are lots of you mortgage broker types out there who may be able to advise on my situation and best next step to take. We're now debt free after paying off £24,000 worth of debt over the last 6 years, largely due to going with Payplan who I regard very highly. Myself and the wife…
