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Repossesion and bank charges
I am in the process of taking Abbey to Court to reclaim bank charges, also I have to go to court soon to try to stop Abbey repossesing our house. Can I issue a counter claim against Abbey for the bank charges? The arrears will be paid by the time I go to court, and the amount i am reclaiming is £5400
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Financial services - job opportunities?
Could someone assist me in finding information or re-posting if they were the original person that provided it initially. A few months back I am sure someone on this forum provided a link for job vacancies within the financial services industry and a name of a magazine/paper you could consult for job opportunities. It was…
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Bank Employees with Staff Mortgages
This is my 1st ever forum post so please bear with me. I thought i'd bring it to peoples attention that that HM Customs have sneeked up the 'Official Rate' of interest from 5% to 6.25% for mortgage comparisons. So if anyone has a staff mortgage rate below 6.25% you will have to pay more tax via your P11D statement. So it…
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step by step mortgage
will someone please give me (ftb) a step by step mortgage? My mortgage adviser has sent off the ap.
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Mortgage Age Limits
I am currently 41 and I am planning to sell my curent house at the age of 44 then TX the mortgage to a new house and ask for another 150K to upgrade. At that point I will be asking for a 20 year mortgage will banks be on line with that? i intend to use endownment and part of my pension lump sum to help me pay off the…
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Fast mortgage offer needed for auction purchase!
How fast could we get a mortgage offer? We have found a house which we intend as our home. It is going to auction on 19 April. We have funds available to pay to deposit of 10% on exchange of contracts on the day of auction. We need to know before the auction date that we will get a mortgage on the house before we commit to…
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Changing direct debit date on mortgage payment
I have a mortgage with GE Money and have requested to change my direct debit date from the 15th of the month to the 26th. GE say they can do it only if I pay them £400.00 which is the interest for the eleven days between the 15th and the new date. How can they do this? In the past with other lenders it has been possible,…
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Opinions on this remortgage from Abbey
Hi everyone, I currently have a 2 year fixed deal with Northern Rock at 6.19% which expires on the 1st July, returning to their SVR. I've contacted L&C who have come up with the following from Abbey. I thought I would ask you good people if it sounds like a good deal? My details: NR Together Mortgage: Total outstanding of…
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100% mortgage fixed for 10 years?
Can anyone recommend a company who do: 100% mortgage fixed for 10 years? thanks
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how long?
we sent everythink the mortgage lender asked for on thursday including a cheque for saviors (well adviser did) when should we hear from them? the vendor want a quick sale thats all. its advantage the mortgage peeps
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Does anyone know So Simple Mortgages..?
I have seen a company called So Simple Mortgages, they seem ok, (www.sosimplemortgages.co.uk) they cater for people with bad credit, which is me! Just wondering if anyone has heard anything about them at all...? Or does anyone know of any mortgage companies that lend to people with bad credit? (I have defaults and have an…
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How to get a mortgage if your a 'contractor'? ADVICE PLEASE
I am looking to get a mortgage; I have come across a problem. As I am a contractor I have what use to be referred to (before 5th April) a management company that deals with all my invoices and payments. I need advice on the best way of going about getting a mortgage as a contractor (as I personally don't hold accounts)?…
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Do you need credit cards etc to get a mortgage?
Hi my partner is a first time buyer. He has no credit cards and has never had a loan. He has a full time permanent job and would like to apply for a mortgage. Will the fact that he hasn't had loans etc give him a poor credit score and stop him getting a mortgage? If that is the case would he be better to get a credit card…
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MSE guide to mortgage: parental help with deposit: savings ?
I read and received the MSE Guide to mortgages today. Under first time buyers on p19 is a section on parent power which states "Parents can also help their children without surrendering their cash. There are a number of offset mortgages which will use parental savings to reduce the child's mortgage while still allowing…
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Removing my ex from the mortgage...easy?
Hi folks, My wife and I have been separated for about 6 months now after 3 years of marriage and are planning to divorce. We are very amicable and friendly about it all - it just seems better that way as we have no kids to complicate matters. Our biggest problem is the house we own. We bought it about two and a half years…
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No tie in mortgage and other q's
Hi, My first post as usually a lurker so here goes! I'm look for a mortgage whereby is the rates go down end of year or next year that I can then change to a fixed rate then without having penalties - does anyone know of such a product? Preferably with no arrangement fee and legal fees etc paid (is this unrealistic?):huh:…
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1st time buyer insurance help needed
Done a search but found nothuing, Completing house sale this weekend, but want redundancy cover for house, can someone give some advice, as do i need life insurance, mortgage protection, are they basically the same? Thanks in advance
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mortgage exit fee with commercial lender paragon
I have recently redeemed 11 mortgages with Paragon mortgages. Their redemption fee was £45 between 98 to 2002 . Then in 2003 it went up to £100,2004 £125 and 2005 £150. I have used Martins template to complain and ask for the overcharge back but they say they are not members of the FSA and are therefore not governed by it.…
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Current growth rates?
Have just recieved my endowment statement. As ever, it gives a substantial shortfall at all the growth rates (3.75%, 5.50% and 7.25%), although not quite as bad as last year so I suppose that is a good sign. It just got me wondering as to what current growth rates are? I realise that whatever they are now, doesn't…
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Mortgage Advice please..
Hi, Sorry if some of these questions have already been answered, i did try to do a search! Myself and my partner would like to go and see a mortgage advisor when we find one. We earn £48,500 a year (to go up to 50k next month). Last week i paid off all my credit cards and am now officially debt free. It was only about…
