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Have I got a case?
Hi. So, I've just sold my house after my debts became unmanageable. I repaid my mortgage and my 2nd mortgage and I am now living in rental accommodation. My query! In 2013 I took out a £25,000 second mortgage which at the time sat on my £82,000 main mortgage. The full market value of my property was £133,000, the basis…
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direct debit refunds for change of payment date
Quick question I am aware that if a direct debit is taken out before the date it should you are eligible for a refund via your bank with the direct debit guarantee unless the company gives you two days notice of the change. However,if they take it out after the agreed date and not on the actual date without the notice are…
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DB UK Bank PPI claim help
Hi hopefully someone wont mind giving me some help, I expect you will have read this before but I am a bit overwhelmed by it all, I took out an interest only mortgage in Dec 2007 with DB bank, the only reference to ppi I can find on paperwork is the completion statement from the solicitors, it has ASU premium listed at…
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Mortgage insurance reclaim
We had a couple of Mortgages from the Nationwide in the 90s and 2000s which charged us an additional 1% for the first year on top of our normal interest payments . This was a condition of the mortgage and we were told it was to protect the Nationwide against us defaulting. Has anyone else had this and been able to reclaim?
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Adding stamp duty to mortage
Hi everyone, while looking for a property and talking to my mortgage advisor, I didn't realize that I am not a first time buyer (I already have a property abroad which k inherited and also am buying another property there with the money inherited - can't get out of it now). I will have to pay almost £10000 stamp duty with…
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Should we have had Life Assurance or Insurance?
We took out a repayment mortgage on a commercial property in 1996 and had a Life Assurance Plan from National Australia Life to run alongside the mortgage repayments on our 10 year mortgage. I've since been looking up what Life Assurance is for and it doesn't seem to fit in with the mortgage requirements we had. Am I wrong…
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PPI on debt repayments
Hi has anyone paid PPI on a debt repayment plan? Can a PPI claim be made against them? Thanks
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Diamond Resor/Sunterrat PPI
Hi Has anyone had success with claiming PPI from Sunterra/Diamond Resorts. My mother in law has checked her paperwork and didn't realise she had been sold this. Thanks Tracey
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council tax number starting with 22?!
I have a council tax reference number from a letter I received That number is 8 digits long and starts with the number 4 I go to the website to pay my council tax and it says the number should be 10 digits long and start with 22 I have a letter from where they tried to summoned me last time when I was struggling to find…
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Advice on whether to complain to Ombudsman
We’re after some advice on whether or not to go to the Ombudsman. A PPI complaint was submitted to Lloyds via Resolver in May (2019). After eight weeks we hadn’t heard anything so called them to be told they’d sent out a letter in May and June and, because we hadn’t replied to these, they’d closed the case. We didn’t…
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Claims against CLC
I have seen that at least two companies are saying that they have had successful claims against Club La Costa (ECC and TAS) are these genuine or simply another scam
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PPI store card and Alliance&Leicester Loan
Hi, 1. TV ad says Littlewoods catalogue customers are owed PPI. I had an account in the early 90's, tried calling them but they said there was only 6B address on their record but not 6D? I have no paperwork on it. How can I proceed? 2. I had Alliance&Leicester loan years ago, no paperwork. Have called but need paperwork.…
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PPI on Endowment Policies
Please can someone help me , I've been searching for ages trying to find out how I would find out if I paid PPI on my Endowment Policies x 4 , and if so who would I contact , the Policies were cashed in when I realised that they weren't going to cover my Mortgage . The Company i got them from was Friends Provident but the…
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Reclaim Income tax deducted by natwest
Natwest recently settled a PBA complaint that i made but they deducted 20% from the settlement in respect of taxes. Does anyone know which hmrc taxform to complete so i can get it back as i am a non tax paying resident uk
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Bank account fee 6 year limit?
Hi, I submitted an application to reclaim bank charges from Barclays after I spent years paying for an Additions account that I didn't want. I have received a reply saying that I am unable to claim because it was over 6 years ago. Is this correct? I still have all my bank statements. Thanks
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Old C&G account numbers from before 2007
First post for us and apologies if it's totally in the wrong place but it's to do with a PPI claim on an old C&G mortgage. We have some account numbers written down that follow the format x000000/0 (this was before C&G changed to a standard eight digit bank account number in Feb 2007). We think we've worked out that…
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PPI - Please help
I have found an Annual Review of Optional Payment Protection Insurance on my mortgage, this form gives me the information on about how much this insurance has cost in the past year and how much the estimated total cost of PPI for the remainder of the loan agreement. which is £7,257.62. I no longer have this mortgage as I…
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HSBC extends redress scheme for unfair debt collection charges to thousands more customers - MSE New
HSBC has voluntarily agreed to extend a redress scheme for customers who may have paid an unreasonable debt collection charge imposed by HFC Bank and John Lewis Financial Services Limited between 2003 and 2009...Read the full story: 'HSBC extends redress scheme for unfair debt collection charges to thousands more…
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Claim or Not ?
Back in 2002 we took out a mortgage, and the provider stated that we needed to have insurance to cover payments. Their own product seemed expensive, so we went elsewhere and took out a life assurance / critical illness policy with a different provider. This has just sat in the background ever since, and we just assumed it…
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Tax refund
Hi, has anyone encountered dsr tax reclaims. they offer a tax reclaim for employed people in the building industry. A friend just received 6k but doesn't know where from but said you can claim for food. They charge 40% of the amount you receive. I have asked the tax office if I can claim for extras being employed and they…
