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Reclaim mortgage fees, council tax, etc
Archives for April 2009
Discussion List
"NEXT" credit blunder
Hi. Last October my wife received a CCJ from Next on-line, relating to 120.00 of purchases that were paid on time (on line) in April! During this period her bank details were faxed and posted on at least ten separate occasions only to be told they could not find the cash. A defence was even sent to the court but to no…
Extreme admin charges from FlyBe
If you don't take a flight, you are entitled to claim the tax unpaid by the airline. I set about claiming the tax back and got this in return this morning:Dear Tuskar_Rock With reference to your request for refund of taxes. Flybe charge an administration fee of £25 per person, per sector [that's flight leg]. As your taxes…
royal sun alliance
hi do anyone know the new address for royal sun alliance,as i wrote complaining about missold endowment and received no reply,tried emailing but they have changed emaill address,any info appreciated
writing off loans and cards taken out before 07
theres a few firms popping up now saying they can get balances cleared off loans and credit cards signed up for before april 07, using legal loopholes thing is these firms are chraging a fair bit for doing this, is this something you take on yourself? and has anyone got any info please?
Legal redress against Bank's minimum mortgage rate
Does anyone have any leads for contesting my Bank's right to impose a minimum lending rate of 4.5%?? This is a detail in my mortgage contract but I am hoping that it can be considered "unreasonable" since the Bank's only answer when I questioned them about it was that "no one thought that interest rates would ever go below…
Fashionworld Catalogue - reduction of payments...
Hi Paid my account smoothly up to date. Pay at the end of every month usually around £80. I emailed them regards to March payment stating that I could only afford £30 and would continue, due to financial hardship, pay them £30 a month for 3 months from when I will then review. I received the following back from…
Bad Investment. Help Martin, anyone!
3 years ago I invested £10,000 to go into partership in developing a property in order to rent it out. Lets say it was a beginning of a property developement venture. Things didn't go as smoothly as first expected and my partner whent through financial difficulty and a failed marriage etc. This year we tried to salvage the…
mortgage default fees
Hi all, I'm a landlord and recently defaulted on five payments from one mortgage lender CHL costing me over £200. This was because I simply misjudged my bank account funds before going on holiday. Does anyone know if my lender is allowed to take such a large amount in penalties!! Thanls Darren
Early Redemption Charges
I would love to take this forward alhtough I know it is not recommended. I really cannot see how a Accord mortgage company can justify charging me £7300 ERC's when I just changed products with them. I only changed products because I was subject to a mortgage that used the American Libor rate the monthly payments increased…
Court holding money from repossesion of home
My home was reposessed 2 years ago and cause bank couldn't get in touch with me money went to the court. For two months i have been trying to get the funds released to myself with no success there asking for a letter or certificate from hm revenues saying i'm due no tax. I have phoned hm rev 4 times and they say don't know…
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MSE News
Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.
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