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mis sold mortgages
Hi all I remortgage in 2004 through a company called AWD they Said i would need to put all my credit card debt on my mortgage and any loans to be accepted for the remortgage which i did, and in 2007 they came back to review the mortgage and said i could remortgage for a better deal again they said i needed to put all my…
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Council tax overpayment from 14 years ago
I came home from work yesterday to a demand from the council for an overpayment of benefit (council tax) from 2005 - 14 years ago. I was a single parent back then and in full time college so I would of been claiming benefit. From what I can gather the council have their own rules regarding the limitations act. I haven't…
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'I reclaimed over £4,000 for mis-sold payday loans using MSE's tool' - MSE News
A MoneySaver from Cheshire has claimed back over £4,000 using MoneySavingExpert.com's payday loan reclaiming tool after having her borrowing extended several times without additional checks on whether she could afford it - and she's hoping to get more cash back from other lenders...Read the full story: ''I reclaimed over…
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Ex landlord problems
My landlord has given me my deposit back and said everything was fine then one day comes nocking my door saying I owe money for water rates he admitted that he didn't put it in our name and no he is trying to take me to court as I have refused to pay as he admitted fault please if anyone has suggestions please spare them…
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Wrong insurance sold
Hello, I was wondering if someone could point us in the right direction please. My father in law works in a quarry driving a dump truck. Years ago he wanted to take out an insurance policy on himself but the bank told him that because of his job he couldn't have any. However they said a way round it would be to have…
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is there a time limit for claim using Plevin
My husband has referred a rejection from our mortgage provider to the ombudsman but we know this could take some time. He was definitely missold ppi and we will pursue a plevin claim if the ombudsman upholds. We were wondering if there is a cut off date for plevin claims?
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PPI (Mortgage): Please help!
Hello there BACKGROUND: I placed an enquiry with Santander for a deceased relative that had an (1) endowment mortgage early '90s that converted to (2) a discounted rate mortgage in 2001 and then (3) converted to a repayment basis mortgage in 2002. NB: the mortgage was paid off approximately 8-10 years ago. (1) the…
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'I claimed back 14 years' worth of council tax for my dad who had a stroke' - MSE News
A MoneySaver has managed to claim back £14,000 in council tax for her dad – the biggest success we've seen in our two-year campaign to raise awareness of the 'severely mentally impaired' discount...Read the full story: 'I claimed back 14 years' worth of council tax for my dad who had a stroke' Click reply below to discuss.…
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Gettong my personal belongings back
Hi all, Bit of a long story but I wonder if anyone else has been in a similar situation.. I used to live with ex partner over a year ago, the relationship broke down and he refused to give me my things back.. things like my slow cooker, microwave, television etc.. me and my family practically bought everything for the…
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Legal to charge Surcharge for Direct Debits
Private Sports Club that I am looking to join charges a 5% surcharge on the Annual subscription cost in order to pay by 12 monthly direct debits. Is this legal? I also know someone who has been a member for a number of years and wonder whether, if it is is illegal, the additional costs can be claimed back. Thanks for the…
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Claiming for deceased father
Hello all! My dad had a mortgage with the Halifax which was taken out in the 70s. When my dad died in 1999 my mum paid off the remainder of the mortgage. Unfortunately my mum disposed of any letters relating to the mortgage but I did manage to find the account number in the deeds for the house. My dad was self employed and…
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PPI - Canada Life??
In December 2001 my husband and I took out a Canada Life Loan Protector Plan policy to cover our mortgage. This was sold to us by a Financial Consultant for Canada Life. Can you tell me if this comes under PPI and if so do we make a claim to Canada Life? I did not see this name on the MSE website. Thanks Maureen C
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Reclaiming stamp duty
Hi, I’m buying a house and have been told I’ll have to pay the higher rate of stamp duty. Any help would be appreciated. 1) I’m separated from my wife but we’re only just going through the divorce process, which hasn’t concluded yet. 2) I used to be on the mortgage and deeds at her house, but no longer am. 3) I have no…
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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
