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Mortgage PPI
I'm looking for some adviced please. I took a mortgage with Standard Life in 2002 which was organised by an IFA, in the report it states I want PPI and if this is the case to sign - I didn't. The applicfation was completed by the IFA on the phone with a later call from me, then the paperwork arrived and I was asked to sign…
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Income tax over-payment on invalidity benefit
Hi all! Invalidity benefit which in 1994 changed to incapacity benefit, if claimed continuously since before 1994 did not attract income tax. I have been notified by the tax office that I had indeed been paying tax since 1992 and that they would only refund the taxes payed back 6 years from the date they wrote to me! This…
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CCJ issued in error
I recently found out that I haver had a CCJ issued against me 8 years ago,by my bank. I was never informed about it nor did anyone ever contact me regard payment etc after the CCJ being awarded. (I only found out after a random credit search that i did on myself.) I have contacted the bank who say after extensive searching…
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Abbey National MEAF Fee letter ignored
Hi everyone, sent a letter to abbey requesting £196 back on 29th December 2011, and so far have not heard anything back... Should I be chasing them up, or give them another week?
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Mortgage PPI - Do I have a claim?
Afternoon, Looking for some quick advice regarding Mortgage PPI, I have had a mortgage with Nationwide since 2005, this was arranged via an IFA. When arranging this we were advised by the IFA that we would need Insurance against the Mortgage to ensure that payments were met in the event of something happening, this was…
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Was I mis-sold?
Morning all! When We re-mortgaged with Barclays (Woolwich), We quite obviously were also sold a mortgage protection policy, which was with Legal & General. So far so good. We were told that we HAD to go through Barclays to get this policy and were pressured to sign up there and then. I never really thought any thing of it…
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Do I have a case?
I just remembered that back in 2003/4 I was placed with the lenders called SPML and I had a fixed 2 year mortgage with them. Once the fixed term had run out, I was not able to afford the variable rate, so I went to another lender...Abbey National (at the time). Now......in order for me to leave SPML and go to another…
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Not sure if I can still claim
Hi all Hope you can help, I didn't bother before because I thought it was too late until I had a phone call from an agency to say it wasn't. My husband and I was recommended to take out our first endowment policy (Plan for Mortgage Life and Savings) Lincoln Financial Group in 1989 for 60,000 @ 138.97 per month before we…
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Mortgage claim, does he HAVE to split?
Hello. Sorry if I've posted this in the wrong place, I'm new here. My step father, has been married to my mother for about 8 years. He divorced his last wife, a little over 10 years ago. She got her half (well, more than half actually) and everything was signed, it's all done and delt with. Full stop. Until she forwarded…
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Questions on MPPI please help
Hi all, Short(ish) version of a long story is that Hubby and I took out a mortgage with Abbey National in 2001, and we were advised to take out PPI which I believed to be unemployment and sickness cover which would pay out the monthly mortgage amount for 6 months should the need arise, and a plan for death or critical…
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Mortgage Arrangement fees rolled up in loan = misselling ?
I had one of those calls today from a claims company and was introduced to what to me seemed a new angle on loan misselling. Apparently it was always wrong to roll up any arrangement fees with the original loan? It seems basically to be an extrapolation of the thinking behind single premium PPI premiums rolled up into the…
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reclaiming tax credits
Hi can anyone let me know if it's possible to reclaim tax credits. My 1 st son was born in 2001 and tax credits where relativly new, i was a single parent at the time and didn' t know anything about tax credits therefore i didn't start claiming until my son was 2. Is there any way to find out if i can claim for those two…
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can i claim ???
hi sister has just found out that she paid some PPI on a previous mortgage that she had about 8yrs ago, can she reclaim this
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Mortgage PPI claim - Advice please
Hi all, new to the forum and seeking a bit of advice. Asked this question on the PPI reclaiming discussion board, and was sent over here. I took my current mortgage out in 2003 with Kent Reliance. I took out a 100% mortgage and was advised at the time that as my mortgage was over 90% of the property value I needed to take…
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Default, Phonce call, DD/Cheque reversal and letter charges
Hi all, fishing in the dark a little here as i have had a look about on here and the CAG site but cant find any infomation. I am wondering what the situation is with recovering any of the above mentioned charges. I have a loan with Blackhorse my fiance has one with Welcome and we have both been charged previosley for some…
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Council Tax Rebate problems
I have tried for the 2nd time to get my banding reduced from C to B. There are other properties in my road the same as mine who are in Band B. Why does the Valuation Officer consider my house is a Band C and also says there is no appeal. He doesn't really give any reason why he won't change it. Also my Father purchased a…
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MRP - which company?!
Hi all. I am still struggling to locate which company my PPI was with. All I have is a bank statement that shows the monthly amount (£20.48) and the reference on the bank statement is NW Mortgage MRP. I have tried Natwest and Nationwide, I have even contacted the bank which the direct debit came out of, but because this…
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help needed, building society claim
hi, has anyone tried to make a claim from a building society that has been taken over several times to get back there ppi. I contacted the latest building society but they gave me no joy
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VHS Video recorder rental payments
I have apparently been renting a VHS Video Recorder from Granada at £14.99 (now £16.20) per month for the last 21 years!!! This has cost me around £4,000. rentals split two thirds rent one third service plan thingy. Any advise for getting anything back on behalf of a particularly stupid consumer!!
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Reclaiming mortgage valuation survey cost
I am looking for help reclaiming the cost of a mortgage valuation survey that I believe I should not have been charged for. I have recently bought a house with a mortgage from Halifax after Nationwide declined the property and charged me for the valuation survey (£225). The house is a British Iron and Steel Federation…