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Missold endowment
Iserved in West Germany in 1992 and was sold a poliocy by a UK broker for AXA Equity and law. Turned out that broker went into liquidation two years after selling me the policy and that at the time of the sale he was not registered. Found out that prior to going under he did register and also that he took commision from…
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RBS SVR not dropping till january
Hello forum, After phoning RBS I was informed that my normal monthly payment will come off on the 2nd december. This is because the rate changes on the 1st december and it takes up to 14 days to change the direct debit. Is everyone in the same boat here? Is this also the procedure when the rate increases or is that…
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halifax website. deals not there
just been on the halifax website to see if they have lowered their fixed rates yet ( holding on till they do, if they do ) and its not showing any 3 or 5 yr deals, only 2 yr. whats goin on......................
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HSBC giving customers the 1.5 rate cut from December
I read here in the forum that HSBC -not giving the full 1.5% to the customers on Tracker deals. this was a message i got from HSBC Rate Change Advice () Date: 08 Nov 2008 Account details: 40-**-** ******** Message: Following the decision by the Bank of England to decrease its base rate, we have now decreased our mortgage…
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mortgage payments on credit card
Hi, I'm a newbie so be nice!! Can anyone tell me if you are able to pay mortgage payments using a credit card. We have an Egg Money card (1 % cashback), and are able to pay off in full every month. Thanks I'd appreciate any help on this matter
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Mortgage Payments.... what can I do??
Evening, I have a question that I was hoping for some advice with.... My wife and I currently “own” two houses (mortgaged). Due to a change in personal circumstances we found that we had to move away from the Midlands (Career and Family reasons). To this end our house “up north” is currently sitting empty and we are trying…
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Overpaying monthly mortgage payments Query
Hello....I would appreciate some professional advice on my situation. I have an interest only mortgage for £50k and repayment mortgage for £11k with 5 years left to pay. Unfortunately, my endowments with L&G and Scottish Widows will not repay the capital of 50k (approx 20k short). I am currently paying £400 per month, and…
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"Near Prime Mortgage" GE Money. Good Deal??
Hi Started buying our council house 10years ago ...Got a leaflet through door Right to buy...Its was original Ocwen ...Then Igroup ..Now GE Money(seems to get passed around with different companies we just get a letter every now again:rolleyes: ) Have remorgaged twice in this period, Each time having £5000 extra for roof…
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Mortgage changing within same company?
Hi I recently about 2 months ago paid £1000 for the privilege of fixing my mortgage at 5.99% for 3 years with the halifax. Whereas I could have stuck with the standard rate and be saving myself a fortune, my mortgage is £209000. My Question is does anybody know if I change my mortgage within Halifax do I still have to pay…
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A&L - existing borrower going interest only
Hi all, Does anyone know whether A&L have a specific policy regarding existing borrowers requesting to change from repayment to interest only, due to change of circumstances. or should I just call them....?
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Mortgage Novice - my fixed has expired 'what to do'?
I'm a little new to this, I tend to just ignore my mortgage and pretend it isn't there ;) but I think it is time to save a little money! I currently have a Nationwide Mortgage, I took it out a few years back at 4.69%, that has expired now though and I am paying 6.19% now. I probably owe about 85% of the value of my home.…
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Unsure about mortgage offer
Hi Have found a property, have had mortgage offer, everything is going through at the moment but have noticed Halifax have dropped their fixed rates on the 3 year dealt. Would like to know would halifax change the rate or would we have to re-apply for the deal they have now, and if we do have to re-apply how long would it…
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Mortgage Payments.... what can I do??
Entered twice.... Sorry please delete....
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Mortgage Early Exit Fees - £6k
I've got about 2.5 years left to run on a fixed rate mortgage with the Abbey and they want to charge me £6000...Is this normal and legal??
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Anyone good at maths? Repayment help needed please.
Hi, We recently signed up for a 5 year fix with our current lender, due to start next month. We are tied to this so even if we cancel now we have to pay the ERC. In light of recent cuts, we were wondering how low the rates need to go for it to be worthwhile us jumping ship? Our mortgage is £57k repayment and £25k interest…
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Isa
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Mis-sold Endowment whilst in Military overseas
I have had a little battle with my the FSCS regarding an endowment policy with Standard Life that I took out whilst serving at a UK RAF Military base in Germany in 1 Sep 87. Drake insurance Brokers were operating UK representatives ON Military Units selling Standard Life Insurance to service personnel. This insurance was…
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Secured Loan payments
Hi everyone. I have a question about my secured loan on the house I live in. At the moment I am unemployed but the secured loan is protected so its getting paid. This will go on till either June next year or when I get a job. The question I need to ask is "If I am not working when the insurance runs out, can the loan…
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Half and Half mortgages
Hi can anyone advise if there is a mortgage comparison site which allows me to compare non standard mortgages? They all seem to make you select either repayment or endowment but ours is roughly 30% endowment and 70% repayment and we would almost certainly keep it that way. Also endowment is due to mature in 9 years but…
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Found out something not on survey
Ok, yet anything query by my sister.... She bought a house in the middle of august (approx), and apart from a few minor things that needed repairing it was ok (there was mention in the survey about damp in the conservatory, that was built after the house was built). Now, after a little switch-around in the living room,…