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Property insurance charged by building society
I have no PPI claim. I understand "plevin" applies after 2008. My query is about COMPULSARY property insurance charged to my building society repayments a/c each year from 1967 to at least 1982. The premiums were high, certainly compared to today's property insurance rates. The building society stated I had to insure the…
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Council Tax challenge help
After asking the VOA to review my CT band I have received a letter from the Listing Officer who has carried out a review and concluded that my property is correctly banded. I disagree and wish to challenge, but the next step of submitting a Proposal to alter the Valuation List appears not to be open to me because I don't…
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Is it worth disputing banding?
I've recently moved into a purpose built over 55's apartment block and received my council tax bill. It's in band B, as are all the other apartments when I checked, but the value today is only £70,000, and according to the Nationwide house price check for 1991, it would have had a value of £24, 874. I cannot find out how…
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Reclaiming old bank charges/ cheque cashing
I'm currently in the process of claiming mis-sold PI from a number of creditors and am now considering reclaiming excessive bank charges I received over a ten year period (1995-2005). Basically, during this time I was caught up in a never ending period of debt and financial hardship, whilst at university and in low paid…
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Claiming back ground rent.
Hi, My mum has been going through her documents recently and she noticed all her documents regarding the house, mortgage, land searches, solicitors say the land is freehold and she has the certificate which passes the ground from the previous owners to her. However she has been paying ground rent since the day she moved…
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Council Tax rebanding
Ok been around these boards for long time, not posted for years. I need help with this one. I have been re banded from a D to an F (my property) which is a big jump, I'm thinking of appealing but need to work out what value the Land Registry have put on my property (they have visited my house last month) In 1991 F would of…
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DGS (Domestic & General) Horror Discovery
I would appreciate some advice please. Doing an overhaul of my bank account and getting my finances in order, I have found a DD on my bank account to Domestic General which started in September 2011 for just over £19 per month. In my defence (tenuous, I agree) I also have a Dentist & General Day 1 Income Protection policy…
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High mortgage fees
Hi, my mortgage arrears fees seem excessively high, up to £280. Is this normal? From what I've seen on other threads it's usually £30-40? Thanks
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Abbey National PPI claim rejected...
I had a mortgate with Abbey National just before the Dotcom bust. I'm pretty sure I had some form of PPI on the mortgage, but I remember whatever I had being useless and I lost my home when I lost my job. Now Santander own Abbey National and I've done a PPI check request with them via resolver and they've simpy come back…
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Could Plevin-type rules apply to endowment mortgages?
My wife and I took out an endowment mortgage when we bought our first home in 1994. Some years later, due to warnings that endowments were underperforming, we dug deep into our finances, made a lot of sacrifices and converted to a repayment mortgage. We filed a claim for mis-selling with the Financial Ombudsman and…
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Expired single person discount (council tax)
We signed up for a council tax discount when my partner started uni. After graduation a couple of years ago they never put it back up. If I tell them now, will they ask for the graduation date and charge us what we've been under posting this whole time? I want to do the right thing but can't afford a big bill.
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Splitting a mortgage over multiple prividers
We are considering a house move but due to poor credit, our current provider will only allow us to port our existing balance. This means we either have to pay a hefty early redemption fee and borrow in full from another lender or, due to the size of the fee, look to borrow the remainder we require from another lender. We…
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Appeal council tax band
Hi I'm debating whether to appeal the council tax band of the house I've been renting for the last year. It's a two-bed terraced house and it's in band C. All but a couple of houses on my street are also band C, but some of these are much bigger than my house, e.g. three or four bedrooms. I used the calculator on the site…
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Overpaid council tax and moving house
Hi all, I haven't been paying council tax for long (as I was a student until a couple years ago) so I don't have much experience with it and the council's opening times (9-5) just happen to be exactly the same as my working hours, so I cannot go ask in person without taking a day's holiday :( Anyways, so thanks for…
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Council tax claim after years?
Hello all, Apologies if this has been answered previously but I have been unable to locate a correct thread. My query is in regard to a property I rented from 1998 to 2006. I have checked the banding for my property and the neighbour's property and there was (1991) and still is a huge difference. The properties both have…
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Council Tax advice please
Hi everyone I live with a friend, and we moved into a house in January, 2017. Upon moving in, we needed to pay off council tax owed on the previous house, which we did. Letters were sent to our current address with our names on, and we paid monthly. Since then, we haven't received any council tax letters. That is until a…
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Reclaim Repossion fees
Hi All, In April 2017 I came home from work to find my house had been repossessed by Santander and the locks had been changed. I made an application to the court to have it set aside and was granted a hearing in June 2017 which I subsequently won. I finally moved back in early July. It has now been a year since that…
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Missold Insurance/Endowment Policy
I am currently claiming against an insurance company for mis-selling me an endowment policy that was non-qualifying for tax purposes thus I am faced with a tax bill upon maturity. The policy was taken out in joint names but was later transferred to my single name 20 years ago. The financial ombudsman have said that the…
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Mis sold timeshares now on band waggon !!
Not sure if this is for real or just scammers jumping on the "mis sold" bandwaggon. I clicked on a link today cancelourtimeshare (yes all one word) as I have heard from other members that cases are being heard for mis selling of timeshares and maintainance fees. This company claims no win no fee, however will take a…
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Welcome Finance PPI
Sorry if this has been asked before, but has anyone reclaimed PPI from Welcome Finance? I had two loans with them around 1998 and was informed if I didn't take PPI, even though I didn't need it, I couldn't have the loan. I have no paperwork. Is there any chance of getting it back?
