-
Endowment policy comes to fruition
One of our endowment policies has recently ended and we received the letter from our insurance company telling us they'd written to the bank informing them and were waiting for their instructions. All went quiet for a month - we rang the insurance company who confirmed they'd heard nothing from the bank so were, therefore,…
-
missed deadline on endowment policy
I took an endowment out in 1988 (then Scottish Amicable now Prudential). I made a mis sold complaint to Barclays who have just informed me that as the time limit has expired they will not be investigating my claim (the time limit was apparently 12 May 2007). I thought Prudential were one of the companies who did not have a…
-
endowment to sell
we have our endowment to sell, as we are remortgaging and having a repayment mortgage, at last.... Can anyone recommend a good company to do this with, or is it best to sell back to the company . Thanks
-
Gmac charges, are they fair????
I have a repayment mortgage with Gmac and recently decided to stop the Direct Debit, because they kept taking the money on different dates in the month and causing all sorts of problems. I now pay my mortgage via internet banking and Gmac have started chargeing me £15.00 per month for not paying by direct debit!! Can they…
-
re morgage advice please
Hi, just want some advice, and i always seem to get really good feedback whenever i post something. The thing is my morgage deal runs out at the end of feb 08 and i have been seeing lots on this site about interest rates going up - and understand i could start to look now, which seems early to me, but probably wrong. I…
-
International mortgage ?
Is there any lender who is dealing with international Mortgage for Pakistan ? Thanks.
-
Interest rates - up or down?
Hi there, I have just seen in the news that there is possibilities that the US Treasury will be imminently making a trend towards starting to reduce interest rates in the US. As our economy normally mirrors the States, are there any indiciators to show that rates may start to take a dip on this side of the pond? I am just…
-
repossesion question?
hello :) im after some advice I have a mortgage with RBS and a secured loan with welcome finance. With interest rate rises and i have also cut my work hours from 37 to 33 due to health problems, i am struggling to pay my mortgage :( i disscused this with my mother who advised me it would be best to sell up and move in with…
-
Fixed Rate Mortgages
Hello, about to get a fixed rate mortgage for 3 yrs at 5.7%, but have now just seen a fixed rate of 5.59% for 10 years!! Not 100% sure what to do. I know no one has a crystal ball, but what is the overall verdict?? Should I go 3 year and risk the mortgage rate going well below the 5.7% or should I fix it at 10 years as the…
-
Mortgage Advice needed
Hello, I'm new to the forum and need some advice on getting a mortgage with poor credit. I was discharged from bankruptcy early in 2006 and still have a terrible credit rating, I have a basic account and was recently turned down for a debit card application. My partner has an extremely good credit rating, and we are…
-
Affected........
Is anyone else getting affected by Northern Rock? Is this right what they can do? Basically were meant to be exchanging contracts this week, we were still waiting for the mortgage offer and they said it was fine that everything was going through, we are buying a new build and is due for completion first week in October.…
-
Mortgage Q 11 months till fix ends, arrange new "banker" offer now?
Hi, Our 5 year fix ends in 11 months, we got it at 3.99% so I know payments will be going up, and I know roughly what the new repayments would be at todays rates, my question is when to arrange our next mortgage. I'm concerned that rates may have further to go up and ideally would like to have a "banker" offer available…
-
95% Mortgage with 5% Vendor Gifted Deposit
Any lenders still doing these??
-
Barclays Shared Appreciation Mortgage Scheme SAMS
About 15 years ago I took out a £25K loan with Barclays Bank using their Shared Appreciation Mortgage Scheme wherein I did not have to make any repayments of capital or interest until he house was sold. At that thime Barclays would reclaim the £25K plus a percentage of the appreciation in the value of my house over the…
-
Interesting news from my broker.
I applied for an advantage product (90% LTV) and it's now been pulled. I had a feeling that would happen. She's now submitted an application to Kensington...however having just looked at the latest news reports I'm not holding my breath. It looks like if you are less than prime you won't get an LTV higher than 75% at the…
-
Advice Wanted
Hi I am new here. I am looking for advice. I have just got a price for my house on the Right to Buy scheme. It is a good price. However, I am kinda worried what with all the news stories about Northen Rock and interest rates and the situ in the US speading over here. As well as reports the the housing market is likely to…
-
what do i say when calling the bank????
hi im new to all this so after reading a few messages im wondering how to ask for my money back. not so i sound silly when i phone for one phone call i am going to ask dunfermline b.s. for a early closure admin fee of 150.00 pound off october 2005. am i within my rights to do this. this will be the start of everyone else…
-
Paid Off One Mortgage, What To Do With The Surplus?
Hi folks, I'm after a bit of advice on my options, given the scenario below: Sold my old house recently and, after clearing outstanding loans and putting aside a bit to do up our new house, we're left with about £60k. We currently have a 2 year fixed rate interest only mortgage of £160k on our new property (ING @4.95%,…
-
Mortgage deal ending...
Hello My mortgage deal ends on 12.12.07, so no ERC after that as long as I give one months notice - when should I be looking at new mortgage deals? Anyone help here? Cheers Fred
-
Help we have sold our house and dont know what to do next!!
My wife and I put our house up for sale with the intention of buying a new home.Unfortunately due to reasons I wont go into & through no fault of our own the new home sale has fallen through.We priced our home competitively due to the fact that we were intending to buy at a low cost which would give us money in the bank we…
