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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…
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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
