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Mis-sold Lifetime care plan
Hi Hoping for some advice please. In 2004 my father took out a Lifetime care plan for my mother. It cost nearly £90000 and she would of had to of lived at least 8 years to benefit. Sadly she only lasted 10 months and the company said there was no refund. I believe we were mis-sold the policy based on her condition at the…
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Mortgage Protection Plan and Personal Protection Plan
Hi, I'm new to posting. I have previously made a PPI claim on a credit card from years ago, so I hope that I haven't realised this additional thing too late as I seem to recall something about only being able to claim once. I have had a mortgage protection plan for 15 years and am still paying into it. I think this is a…
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Lost Out On Money On Expired Gift Cards.
Hi all, I've contacted Oasis in a bid to get my gift cards restored but they insist they only give a 3 month grace after expiry and my cards out of that period. I replied to them that i felt it that an expiry creates an imbalance in the relationship and causes significant detriment to the shopper where it was not made…
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Ppi on mortgage but not accepting any wrong doing
Hi I contacted my old mortgage provider ( Dunfermline now Nationwide) , they accept that there was ppi on our mortgage but won’t accept any wrong doing as it happened 6 years ago and they believe I should have complained at least 3 years after. I wasn’t aware at that time about complaining. Should I go to the ombudsman as…
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Claiming on PPI with Halifax Mortgage
It has been suggested by family that I may be able to claim on PPI on my Halifax Mortgage. However, I have moved 3 times since 1995 and have had 3 separate mortgages with the Halifax. Each time, the mortgage was arranged for me by an Independent Financial Advisor/Mortgage Broker, who has since retired. I do not recall PPI…
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Mortgage fees
I bought a house back in 2007 with my now ex partner. we had some financial difficulties and got into some arrears. We are looking into selling the house but there is a £5500 fees balance on the mortgage. This is mostly made up of £54 arrears monitoring charges, £31 direct debit fees and various "insurance policy fees"…
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Northern rock mortgage
Hi we had a northern rock mortgage in 2001 does anybody know if we would of paid ppi and do you think it would be worth pursuing tia
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HSBC ignoring me!
Hi Guys and Gals, We may be owed PPI in relation to our mortgage (now paid off - ten years). I went to the webiste of our providor HSBC. They just ignored me. No response. The site claims 40 days. What is the next step? I was unable to provide any hard details to them and am no longer banking with them (aging about 10…
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Quick PPi question
I took out Mortgage Payment Protection with a third party as I was told protection of at least this level was required. However, I have no records of the third party I took the protection out with. This was about 11 years ago. Should/can I pursue this? I'm not sure where to begin; I believe bank records only go so far back.
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Miscalculated Mortgage payments
Hello everyone. Does anyone know anything about these companies who are claiming you could be owed 1000’s for miscalculated mortgage payments? I’ve seen a couple now and wondering if they are legit? This is most recent .... INSTANTLY CALCULATE YOUR REFUND 95% mortgage brokers in Wales are GUILTY of mortgage miscalculation…
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Enforcing Financial Ombudsman decision
I received a Financial Ombudsman's decision - in my favour - against a debt management company that at the time was still live on the Companies House website. However, during the FO process, the company ignored all correspondence. However, this decision was over 2 years ago, and I have yet to find a way to enforce this…
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Claim back for interest only mortgage?
Good evening, apologies if someone has posted about this but I recently saw on a webpage that you can make a claim with regards to having an interest only mortgage. I had one many years ago & I am interested in claiming whatever it is you can as I think I’ve have gave my bank enough money over the years but I also do not…
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Any help on Council Tax rebanding please?
I have previously followed the channels for rebanding. I have firstly spoken to my local council. Spoken to VOA and provided details of 3 nearby batches of properties (one lot is even same blueprint and layout of my property), all of which fall in Band A (mine and a few neighbouring properties are in Band B) . I bought my…
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Rebanding help please
Hi I am in the process of trying to challenge our C.T. band with our local authority. Moving into a new build in 2001 on a new estate that only included one other property identical to ours we were both given Band E by our local authority. After reading several feeds regarding new builds and challenging I was able to find…
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MSE News: Families of severely mentally impaired people reclaim £1,000s from councils
Family members of those with a 'severe mental impairment' have been reclaiming £1,000s in council tax overpayments...Read the full story: 'Families of severely mentally impaired people reclaim £1,000s from councils, thanks to MSE' Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t…
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Fee paying account
Hi all, just joined the forum. I cancelled my fee paying account with RBS.in 2012 when I found out a fee free account was available. I have recently tried to get these fees repaid from the bank with no success. They say I should have claimed earliest quoting the 3 year limit, my arguement is that I have only just found out…
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Student council tax exemption
Hi all, what can you use to provide council,with proof that you are starting as a university student? I have a friend formal offer letter and I am due to start this September on a degree full time university masters course. The council said I should send them a student certificate... but no idea what or where I can get…
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Reclaiming refund from Seller
Hi all, please advise me. I purchased a fitness course from a training provider. It cost me £97 when I received the content it literally was 6 poorly filmed home videos of her playing with her son, demonstrating how you can include tots in a Pilates class. I wrote in via the website complaint proceedings and just said I…
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Are banks telling the truth?
I have now gone through the process of trying to claim PPI after believing I might be entitled to a payout after reading a thread on this forum. I was led to believe that the Life Cover I took out with my HSBC mortgage was a form of PPI, despite my bank telling me that no product i'd bought from them was misold with PPI .…
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Successful reclaim for SKY box cover
Sadly my father in law passed away recently. I have been sorting the finances out for my elderly mother in law. Found they were paying SKY protect and another company Digital UK for the same cover which I believe is totally not needed. Also the later company quoted on renewals £4.99 a month but had been taking £8.99 a…
