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Council tax banding
I have recently applied for a Council Tax rebanding but unsuccessfully - although I understand there is no right of appeal, can anyone advise me please. I researched the Council Tax Valuation List and noticed that property no 23 is currently valued in band D effective from 1st April 1993 whereas I am in band E. The letter…
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Mortgage Insurance?
Hi all, I bought my first home back in 1992 on an endowment and have just been offered a payment for the endowment but in the process of going through the paperwork realised I was paying nearly £80 a month for something referred to as Mortgage Insurance. I think we were told we had to have it by the dodgy mortgage advisor…
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Can I try to reclaim against mortgage broker?
Would anyone be able to help? Jut over 2 years ago we took out a 2yr fixed rate via Martgage Advice Service ltd based in Derby. MB advised us that we wouldn't need to pay anything. The mortgage was with Birmingham Midshires. I have been wanting to start my MFW journey and found that we have a secured and non secured…
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reband failed BEWARE
Hi I used all the sites on martins money tips and found that out of 23 bungalows all the same as mine on the same estate 20 are in band E and 3 of us are band F my appeal has been turned down because they used halifax house price calculator that priced my property at £136.000 and martins money tips used nationwide house…
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pre 2007 loan cancellation?
Hi has any one had a letter from a company called Beneficial Claims? They claim ,when you phone them that they will investigate loans and HP taken out pre 2007 and that in most cases they can be cancelled due to the policy wording being wrong? They further claim that once you have given them the info they need re. policy/…
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PrePaid Gas & Electric Meters
Just come a cross this site, http://www.housing.org.uk/default.aspx?TabID=485 do you think its worth a shot at reclaiming ???
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screw the bailiffs, called 999 police fail to act
Hi everyone, I have only just found this site , and was direct from screw the bailiff. Shame i hadn't found that earlier I had two bailiffs force entry into my house yesterday while i was at the doctors, via a locked back door. locked with key locks and has been double checked and filmed as such on a camcorder. I arrived…
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Can I claim this money back?
In 2005 I sold a house , which had only a £15,000 mortgage on. I paid for my new house outright from the proceeds of the sale. I have since discovered that Abbey have continued to take payments for this paid-up mortgage from my bank. (I mistakenly omitted to cancel the Direct debit at the time of the sale). I have asked my…
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Credit card and loan miselling & reclaiming charges
I have had a long conversation with a claims company advising me the following 1).That I can reclaim charges for credit cards and unsecured loans, interest and also have the initial debt wiped when they have been taken out over the phone or internet or by post 2). That I can reclaim charges for secured loans, interest and…
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Were we mis sold this loan?
Last february we got new windows of a company called safestyle(credit supplied by GE money). When the salesman initially visited he measured up give us a quote the went on to the finance details. The cost of the windows was £2000. He explained that a direct debit would be set up for £40 a month and if this is all we paid…
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Bank say I am to blame for stolen card fraud
Hi, I would really like to get some advice about appealing a decision by Nationwide not to refund the money that was taken out of my account after my bankcards were stolen. I had my wallet and phone stolen at around 2am and by the time I reported it to the bank two hours later they had already drawn out £300 cash and then…
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Disputed Charge Refund?
I was wondering if anyone had any thoughts or insight to offer on this situation. We got married at the end of February and organised an inclusive wedding reception package at Hotel. This package was reduced because it was a daytime and a weekday, no DJ or MC was included but wine for the tables was. When we arrived, there…
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Company Claims Cancel Debt?
Had a call from a Company today : Claims4U.com .... that they can cancel loans and credit card debts for a fee. (IF prior to 4th April 07 contract - mine are) Is this a hoax ? Is it worth the £295 per Credit Cards & £195 for Loans? Anyone tried this and had any success ? (Mods sorry if this post is in the wrong area.)
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irresponsible lending
hi i have a query which ive run past the fsa who said there is nothing they can do because it relates to 2004 but that they would uphold the complaint in 2003, i took out hire purchase on a ford fiesta for around £5000, i was 18, it was within my means as was over 3 yrs, and i could afford the monthly payments however when…
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Mortgage Arrears Fees - Can I reclaim?
Hi there, I have been charged arrears fees by my mortgage company for the past 6 months (£55 per month) as I was more than 3 months in arrears each month Do I have grounds to get them back under the bank charges reclaiming case or are mortgage companies seperate? I thought that as they are a bank they might fall under the…
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RBS - Mortgage exit fees
I called RBS today as I had a mortgage with them 6 years ago. I got a response to advise that they could not find me on system however exit fees prior to 2004 were always correct? This refund only applies to mortages which were settled after 2004. Should I believe what the guy at RBS had told me? Also if these guys cannot…
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Cold call from the Financial Ombudsman?
The missus got a call from someone claiming to be from the Financial Ombudsman. Can't tell what the number was, as this was withheld. He asked what bank we used and if we were happy with them. Seeing this was a cold call and we couldn't be sure the guy was who he said he was, the missus told him she wouldn't give out…
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Is now the time to rebrand?
What with the house prices dropped so much, Cheltenham and Glouster value my house at £140k, £28k less then what I paid in 2002 so could I now get the council tax re branded?
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Council Equal Pay Settlements
Does anyone have any experience in this area? A family member worked in the local council all her working life. She retired on ill health grounds about 10 years ago and has been very ill since then. She was a union member all the days she worked but is reluctant to ask for any help or information as it is now so long ago…
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Mortgage application fees - can they be reclaimed
I paid a mortgage application fee some time back for a mortgage which was then withdrawn from me - wondered if it is possible to reclaim such fees
