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Halifax Endowment Mortgage
Hi, I took out a Halfax endowment mortgage in the early 1980's. I found I had practically paid the mortgage but also found there was no shortfall. I was sold the mortgage via an agent who visited my house. Halifax say they have no records, yet due to finding myself in the position of not having a shortfall I was left to…
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Nationwide Mortgage possible ppi claim
We took out a mortgage with nationwide in 1983 and it was paid off in 20 years. I had one of those companies phone me the other day that made me wonder if we may have had ppi on the mortgage. I was tempted to let them investigate for me, but thought I'd ask on here first if I could do this myself. I think I can probably…
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Mortgage with PPI
Hi, I have been reading through the threads and not found the answer to my query so I thought I would start a new thread. In July 1997 I had a 25 year endowment mortgage with an additional insurance policy. The insurance policy was there for providing payment to cover the cost of the mortgage if I was unable to work. This…
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Household Insurance on Mortgage
Hi! A bit of background. We took a out a fixed mortgage out 5 years ago (it's just finished). The market wasn't offering ANYTHING at the time for 5% apart from 2 miserable products (at least for us). The percentages as we are all aware back then were poor. They gave us the an option to reduce the percentage rate slightly…
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Plevin & life insurance/critical illness
Please can someone advise, does a Plevin claim apply to Life Insurance policy and Critical illness Policy or is it just PPI. These policies were taken out to support an endowment mortgage.
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Charges / PPI / Payday Loans
Hi, I am wondering if anyone could give me some advice on claiming back chargers on unauthorised overdrafts, PPI and interest/charges for Payday Loans, having finally got my self virtually debt free I feel its time for me to try and get back as much as I can. over a 10 year period I estimate that I have paid interest on…
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mis sold mortgage
Hi has anyone got money back from being sold an intrest only mortgage from the site that is all over face book ? Thanks
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Decreasing Mortgage Plan - can I claim?
I am going through my numerous credit cards, mortgages and loans to see if I can reclaim anything missold. What a huge job given I have no paperwork for any of it seeing as the majority of them were taken out in the 90s. Any suggestions on how to find out. Anyway, I have come across an old email to my then bank manager as…
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Council Tax Question
Hi I have my own flat where i live and pay council tax. Due to family reasons i have found a job closer to my family. I will be staying with my mum during the week and then going back to my flat on the weekends. Where do i pay council tax?
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Council tax empty property surcharge
Has anyone had any experience of challenging 50% council tax surcharge on an empty property? It has taken me 2 years to sell my empty tiny terraced property, and there has been a £600+ surcharge on my CT bill. Plus they won't give me a single occupancy reduction. I'd be very grateful to know whether anyone has challenged…
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Home insurance claim after flooding... Help
Hi, I am new to this forum so any help would be highly appreciated. I was unfortunately flooded recently and i have to move out whilst renovation is taking place. The insurance have put me up in rented accommodation for six months. My question is does the insurance help with gas, electricity and council tax bills? As I am…
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Where to begin?
Wondering if anyone can help / has experience of this. My old mortgage company and a second mortgage company have both written to me, independently of each other, and both are offering me refunds for certain fees I shouldn't have been charged for, etc. Does anyone know anything about mortgage companies and loan companies…
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Mortgage arrears refund from HBOS
So a while ago I read about HBOS looking into the way they had charged customers in difficulty. My personal circumstances of arrears related to being bullied out of a job (nasty boss), lead to depression and a truly awful time. However, I found that HBOS were always helpful to the situation and I always made full payments…
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Rebanding Council Tax in apartment blocks
Hi. A neighbour mentioned that I may be eligible for a council tax rebanding as I'm the only one bedroom apartment in a block of 12. The other 11 apartments all have two bedrooms yet we're all on the same band - C. Looking at properties close by on my road, I'm again in the same banding as other two bedroom flats (band C)…
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Kensington Loan Not Mortgage
Hi everyone! I need some advice please. We consulted an independent financial advisor for our current Kensington mortgage and received a letter from them recently to say that the "loan" we had with them would now be referred to as a mortgage?We've had the mortgage/loan over 20 year and as far as we were concerned it has…
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Did my old mortgage have ppi?
Hi. My wife and I took out a Yorkshire Building Society mortgage in joint names in 1986. It has long since been payed off (by remortgage) but I was wondering if PPI was sold back then and, if so, might we have been sold a PPI policy.
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Writing Off Your Mortgage?
An advert came on the radio about writing off up to 70% off your mortgage. The company is called 'Ease Your Mortgage' so I looked online as was curious. Apparently some lenders sell on your mortgage to another investor and do not change the name legally on your title deed, therefore meaning you can write off some of what…
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Council Tax -Single occupancy discount
Dear users, My told my council that I did not live in my renting property for about 14 months and now they said I could not claim single occupancy discount for this period. I have to pay full rate instead. I find this very unreasonable. When I actually live in the property and use the council services, I pay a cheaper rate…
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Stanton fisher take 36perc off ppi
Please help , Stanton fisher did my first package bank account . I got £1700, they took £664 for doing it . Now they are saying I have ppi on an argos card , I just have to sign the statement . They have called many times , emails saying hurry and send it back . It’s like pure harassment so they can con me out of more…
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VOA Council Tax Band Change
Hi all, I'm looking into the past sales for my flat and also the other flats located within the original converted building. From the figures I can find it suggests that the property should be classed as Band A. There are six flats in total, currently only 1 is classed as Band A, the 5 others are classed as Band B. All…
