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Refused MPPI by the Halifax as I did not go to ombudsmen within 6 months of letter refusing
Hi I hope someone can give me some advise. I claimed for PPI in 2014 through a company but was told I have been refused. Since watching Martin on tv and being contacted by another company about PPI i decided to try and claim again. Well I recently had a letter from Halifax saying that I claimed in 2014 and they sent me a…
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Marriage Tax Allowance
Hi, My wife was a non taxpayer for a year in 2017 after mat leave ended, she has now returned to work and is a taxpayer again, are we entitled to claim the allowance for the previous tax year? or is it just backdated to the start of the current tax year in which case we are too late for a claim. Thanks in advance
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Single person discount council tax
I stopped claiming 25% single person discount when my son & his wife came to live with me whilst saving for their own home. They are now in the process of buying their home, once they become the legal owners on completion, they will be liable for full council tax on that property as our local authority (all?) no longer…
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council tax reclaim
Hi I bought my house in December 1990 for £112,000. three bed detached and placed in band F .(If i had the known the rules as Martin Lewis has pointed out I would have checked earlier)I have asked VOA for a reassessment that has been denied, the argument stating the economy at the time and other houses in the locality went…
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Reclaiming bank mortgage exit fees
I have had a number of mortgages over the years and was wanting advice on reclaiming mortgage exit fees; The first one I looked at is my previous mortgage because I had the account number for that, I queried with The Woolwich and they said that they couldn't tell me what is was without me phoning but said there chart…
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Mis sold car service plan- any advice?
Hello, Two years ago I brought a new VW Polo on a finance agreement. When I brought it I was offered a service plan for £124 for 2 services, which I accepted. Before the end of the first year I was in a car accident and the car was written off. It was replaced by the insurer on exactly the same finance agreement. Now a…
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council tax student at home
Our son who lives at home with parents is a full time student with mental health problems including ASD.Can we insist he pays the council tax at least and put the council tax bill in his name? As a student is he entitled to an exemption?
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Legal & General mortgage PPI
Hi, I am going through the process of sorting out my finances, and spurred on by family members I've been looking at whether or not I've had PPI, etc... Amongst all my paperwork, is some information relation to the initial mortgage my partner and I took out on this property, which was with Legal & General. This mortgage…
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Council Tax Rebanding - can I do it?
My house is banded the same as the other, pretty much identical houses on the street. But the thing is, our garden is much smaller - we're a corner house and ours is tiny! Other houses on the street have huge back gardens. This is reflected in the price - our house is valued at significantly less than other houses on the…
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Early repayment charge stand off
First post on here so apologies if in the wrong place, but any help is greatly appreciated. Had an offer accepted on a house Feb in the knowledge that my mortgage ended 1/6/18 so far away that I was prepared to pay the erc of 3,700. Due to delays with my buyer we are now ready to exchange with my seller insistent on…
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'Very Catalogue' charges - Help Needed
Hi all, As you have always helped me in the past, I hope you can advise me again. I have been called by the Very Arrears Department as I have paid a few days late on a couple of occasions (literally forgotten to pay!). I pay using the 'Take 3' option which means that you pay for the items in 3 instalments and that way you…
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Possible Mortgage Claim
hi all. New to forums. Ive just returned from seeing an independant mortgage advisor whos setting me up a new mortgage deal after a 10 year fixed rate!!! Since coming home its only really just sunk in. With the interest rate ive being paing over 10 years ive paid in roughly £75000 but only have around £10000 in equity. I…
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refused ppi claim for bradford &bingley
Hi can anyone help me, I recently claimed for ppi on a mortgage we had with B&B back in 1987 where we were led to believe that if we didn't take the ppi out we wouldn't be accepted for a mortgage with them, so we did but they have now wrote stating they don't believe it was miss sold and we are not entitled to claim it…
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Council Tax reclaim
Watched Martin Lewis a few weeks ago on TV, followed his advise and started claim for re-banding from E to D, yesterday revenue officer replied telling me we were successful in claim, 14 years refund nearly £4,500, only problem no refund of cash but a credit against council tax which will last for the next 2 to 3 years.…
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Council Tax - Empty Property
Hi I have inherited a house and have been granted probate. I have followed advice from the gov.uk and this website which states that I shouldn't be charged council tax for 6 months after probate has been granted however my council has said that they have opted out and do charge the full amount. Is this correct? Thank you
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MMD: Should I claim money from cash-strapped council?
This week's MoneySaver who wants advice asks... I pay for a parking permit from my council. When I renewed this year, it got lost in the post and I was charged £20 to have it reissued. I think this is unfair and I'm considering fighting to get my cash back. But considering how little money many councils have, should I just…
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Council Tax / Electoral Roll / Credit Score Problem. Help?
Hi I need some help here so I'll try and make my financial conundrum as succinct as possible. I'm looking to boost my credit score..a lot, short/mid term. This is to secure more of a financially stable future for me and my partner (long term), and to be able to put down some loan/finance deal for my first car (short term).…
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Council tax banding info
Hi, was wondering if anybody think this is worth a go for me, just checking my banding and its F, now all the neighbours on my street are F, but about a few minutes drive down the round there is the exact same houses, now they are all band E except the 5 bedroom houses and they are F. Im in 4 bed. Is this worth me…
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Trust compensation
In 1985 I received a payment of £5k from a trust which had been administered by a bank trust company. In 2015 the company wrote to me advising that I had been "disadvantaged as a life tenant and a remainder man of the trust" and as such I was entitled to compensation. According to them the fees for acting as trustee from…
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Timeshares
Has anyone got any advice on how to cancel a timeshare contract and the possible reclaim of fees?
