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Mortgage Early Redemption Fee
Hi, I am new to the forum but wanted to get some advice about early redemption fees. Due to the situation with COVID we are moving house and are currently locked into a 10 year fixed mortgage deal with Barclays. We need to increase the term but in order to do this Barclays say we will have to pay an early redemption fee of…
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Council Tax on a property left in a will
My mum passed away a few days ago. I have been living with her for 3 years as her 24/7 carer leaving my own house unoccupied.Mum, bless her, has left me her house so it is currently part of the estate waiting to transfer to me. Due to being housebound with mum (esp during Covid) both houses have deteriorated and whilst…
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Denplan and COVID-19
While Covid 19 had all dentists shut down due tolockdownm including my dentist I was unable to get an appointment, I left emails and tried to ring but no luck. But I have also been paying into a denplan. Does anyone know the situation around lockdown and payments with a denplan as the terms of the service could not be…
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Amigo refund
I have made a claim to refund from amigo loans due to unaffordable, I made the claim 8 weeks ago but every response I get is the are still considering it. Anyone any experience of how long it takes or whether I should just escalate it to ombudsman just now rather than waiting. Thank you
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Moved: Amigo Loans refund
This discussion has been moved.
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Late Invoice? Customer not paying?
Hi! I invoiced a fashion company for some couture work 1 year after work was completed. They are now refusing to pay on the basis I should have invoiced at the time (during the fashion season) - and that their accounts for that year are filed and they therefore cannot pay the invoice? Surely this is not right? After some…
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Claim VAT from our franchise company
I have run a franchise for the last 4 years. The company told me to register for VAT and I am on the flat rate scheme. I do not earn enough to pay the VAT but it's in my contract to do so. As I am on the flat rate scheme do the company I franchise from claim the VAT back as they would be the ones who show the larger…
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Wrong banding?
My flat is banded B but my neighbour is banded A. My flat is currently on sale for 10k less than his. I know the system uses notional values from 1990 or close but how can this be a fair system?! It is currently a hindrance to selling my property and I feel if it is supposed to be band A I am due back the extra amount paid…
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Process guidelines for right to buy and if it goes over the time
Ive recentley puchased my home from council. I applied back in Oct 2019 and was finalised 20 July this year. I signed the price in December and still been paying £95 per week until July..This was because the solictors changed the price from what was signed and changed all my mortgage . They now want to charge me for their…
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Council Tax - single occupancy 25% discount
Hi, I don't know a lot about this so hopefully somebody on here can clarify that the council are correct and I am terrible at maths. Rather than deduct 25% from the overall annual council tax charge, the council has deducted it after calculating from my move in date to the 31/03/21. This gives me a monthly payment of £119,…
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Refund for a defective treadmill
I bought a treadmill from Bluefin through Amazon 4 months ago and now the deck has cracked. I don't want a replacement, as it's a poor quality machine, I want a full refund that I assume I am entitled to. The question is how can it be returned to the suppliers, who are about 200 miles away? They also want a photo of the…
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Overpaid council tax
My daughter is single with 2 children for the past 20 years she has been paying full council tax, she works 16 hours . She was told by a friend that she should not be paying council tax, she contacted the council 2 years ago, and they said she must have ticked the box on the form, whatever box they are talking about we…
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VOA refusing to accept evidence for council tax challenge
Hi all, first post. I am in a dilemma. I have provided substantial evidence of comparable properties to the VOA and they're saying the properties are not comparable. Nearly all of the properties I have provided are significantly larger than mine yet they're a Band D and am Band E (all properties are detached and so is…
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Council tax
hi I've got a dispute with Luton council, I enquired about the single person discount, and I was told mine ceased in 2012 and I've been living alone and paying full tax, thinking my discount would just carry on as I paid by direct debit,I'm trying to claim the overpayments back but they said as they can't prove that I was…
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Scottish digital discharge
I have now repaid my mortgage With Santander and got the letter to say l have to discharge this. This can be done digitally but can l do it or is a solicitor still required in Scotland?
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Mortgage as non UK resident
Hello all, My girlfriend (who is French and moved in with me in the UK in March) and I would like to jointly apply for a mortgage but the usual high street lenders all appear to need 3 years of credit history. Is this standard? I am British and can borrow without issue (and have done in the past). We've also looked at…
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Can anyone recommend a decent company to investigate Interest Only Mortgage overpayments?
I had a large Interest Only mortgage with Birmingham Midshires which was fully paid off when the house was sold approximately 10 years ago, out of the blue earlier this year I received a cheque for about £800 From BM, stating it was to cover overpayments that they had miscalculated over several years, it was then suggested…
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Employer forgot to put contracted BUPA cover in place
I would be
grateful for advice with the following situation please. Under my employment
contract of April 2018, my remuneration includes BUPA medical cover. However, after 20 months I discovered they had not put this in place. They then did establish from that
time going forward. On the basis that they have…
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Overpaid on rent - claiming it back
Hi! I have recently moved out of a house I was renting and have accidentally paid for an extra month of rent. I have contacted the rental agency but have yet to receive a reply from them (they are usually rather speedy). I am considering taking the issue to small claims court, but wonder how strong my case is. On the first…
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New stamp duty rules
We exchanged contacts on our house move on Monday. We COMPLETE on the 17th of July next week. Does anyone know if we qualify for the new stamp duty reduction?
