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Direct debit idemnity
Hi there, Back in 2019 I booked a holiday that was due to start coming out of my account as a direct debit from 01/10/2019. The holiday company in fact took the direct debit 1 month early on the 01/09/2019. I called the company and requested a refund (they tried to wriggle out of it) in the end I had to cancel the holiday…
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Insurance company cancelling a policy
Hello, new member here! Today we received a letter from the insurance brokers who arranged insurance for our van Having moved we informed them of new address, we received the letter today sayong the company they sourced the insurance from where not prepared to continue to cover the vehicle as postcode was now unsuitable…
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Payment issues
Hi, I'm looking for some advices. Now, the situation is a bit complicated, let's see if I can explain it. A friend of mine moved to England from Romania 3 years ago. He get a job straight away and his boss was even his landlord. Now, it was a bit doggie, no contract for the house nor for the job, and to be honest he didn't…
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NRAM standard variable rate scam
Hi all, so I'm going to try and take on NRAM and win! Need some advice though. When I took out my 95% interest only mortgage in 2007 with Northern Rock for £123k, it was fixed for 2 years. The mortgage illustration gave an example of what the payments would be after the fixed period using their standard variable rate at…
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Housing Trust Council Tax
As Housing Trust flats have no saleable value, surely its impossible to ascribe a Band value? Why does a Housing Trust tenant therefore pay Council Tax?
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Council Tax Direct Debit
Hi All I’ve checked our council tax band on the direct gov website and it is band C - which seems correct. Looking at the Northampton council site, band C for Duston where I live costs £1643.07 per year. Our direct debit to the council is £158.00 per month, which is £1896.00 per year. Am I missing something or are we…
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Council tax bills may rise by up to 4% from April - MSE News
Some local authorities in England will be able to raise council tax by up to 4% in April 2020...Read the full story: 'Council tax bills may rise by up to 4% from April' Click reply below to discuss. If you haven’t already, join the forum to reply.
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Ppi halifax cheque returned
I have received in the post today a letter from my bank saying that a cheque from the Halifax for over £1000 has been Refer to Drawer. I have contacted Halifax, they say this is happening a lot and we’re of no help. Can anybody offer any advice please. Thank you.
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Mis-sold Mortgage
Hello, I’m new to this but thought this was to get the best advice from lots of experts. I took a mortgage out with YBS in 2008. I’d been with my boyfriend for 6 months. I had £13k as a deposit. We went to our local branch of YBS and had several meetings with the onsite mortgage advisor. The up shot of it is...we took out…
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Council Tax Re-banding – No Win No Fee Warning
Back in the late Spring I received a visit from a company (name of the company (Money Saving xxxxxx) very similar to this website) offering to get our property re-banded on a no win no fee basis. I had previously appealed to no avail, so thought that I couldn't lose even though they wanted 50% of refund if appeal…
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New Combi boiler, shower problems
We have just put in a new heating system, changing from warm air system with miras Atom shower (plus pump) to an ideal Combi Erd 30 unit. For this to work we had to remove the pump! When we tried it first we had cold water problems but we found out this was due to the PRV on the cold being turned down. Now however the…
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Sdlt refunds and potential exemptions
Dear all Please could I ask for constructive advice / guidance. I purchased a house with my partner in dec 16. We paid the additional sdlt as my partner owns another residential property. We are presently coming towards the end of the sale of my partners property. Issue is, we have till this Friday to complete the sale in…
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Reclaiming sole occupier discount retrospectively
Hi. I have been a sole occupier for 15 years but have not been receiving the sole occupier council tax discount. Are the council obliged to refund the over-payment? Thanks
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Council Tax - overcharging
Hi, I hope this is the right category to post in. I have a weird situation with my council randomly overcharging/taking fairly large amounts of money from my account. I have been living in my current house with my partner for 4 years and never had a problem until last year. We pay Council Tax by Direct Debit that was set…
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Administration Charge? Can I claim back?
Hello, I've just been checking a catalogue account I have and realise they have been charging me a monthly administration fee of £12 on top of the monthly credit charges. Is this allowed? More importantly can I claim it back? and how? TIA
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Payday lenders - cant find them? No claim??
Man I was in a bad way.. i was borrowing from everyone.. 10 payday lenders who didnt check my BAD credit file... friends and family bailing me out just to eat... it was bad. Anyway, I tried to claim back some money as payday lenders are the target these days but i cant find anything on these lenders - Will i get nothing…
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Council Tax Changes
Hi all, don’t know if this is the right place to ask but my boyfriend is planning on moving in with me early next year. (Rented property) Does anyone know how him moving in during the tax year will affect how much council tax I will pay? Is it for the whole year or just the months he is living here during this tax year?…
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Carphone Warehouse PPI
Hi, I have had 6 Geek squad insurance policies over a period of 7 years, always cancelling after a year into them. I am trying to claim it back but they’re being difficult (of course). I have supplied them the reasons why I felt I was missold them & have told them I am sure I had them covered on the house insurance…
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Freezing someone's bank account
I live in Scotland and rented a property in Scotland to a tenant who defaulted on his rent.☹️. He is no longer in the property-in fact I do not know where he is. I have a First Tier Tribunal decision that he owes me £1700. I know his bank details ( its in England) To get my money back can I freeze his Bank Account-and if…
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Interest only mis selling claim
Hello all. Just wanted to know if anybody has been in this position and how it ended. so I contacted the company to ask if I had PPI with a mortgage that I took out around 2007. I received correspondence back telling me amongst a lot of jargon that I had a good possible chance at winning a claim. Of course I presumed that…
