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Opting out of Serps - can I reclaim?
Hi, I have been contacted by a cold caller who says that if I opted out of Serps I could reclaim ALL that money back. I have had my pension for nearly 25 years. It passed from the civil service over to the compnay I work in now in 1992. He told me that all the contributions to a State Pension from my Natioanl Insurance…
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Council Tax discounts
Hi all, How come a council can ignore a government ruling about who is eligible to pay council tax? Our last council excepted 2 out of 3 residents were not eligible to pay,our current council has ignored the government statement,went back to the previous council & only given 25% as thats what they gave, not realising thats…
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Direct Debit Error
Hey I've logged on to my bank to find a direct debit for Natwest with a different mortgage reference to mine, for over £570. I contacted Natwest who looked in to the query, they called back within 15 minutes after discovering human error had miss typed a bank account number, resulting in the direct debit being set up. They…
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Single Occupancy Discount - not occupied!
Hi, I just bought a new property, but due to quality of build I was not able to move into it. Of course I requested an unoccupied rate, which is limited to 2 months by my council. It was unoccupied for a further 3 months and then I moved in as a single occupant. When I requested the single occupancy rate, I was told this…
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Reclaiming asu insurance
My daughter and her (now deceased) husband took out a re-mortgage through a company called Infinity Mortgages of Leatherhead. I believe this company had their licence revoked in 2008 and I now cannot find a current website for them so believe they may have ceased trading. My daughter was sold a 5 year single premium ASU…
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New look credit provider
Hi all First time posting and new to all this so apologies if this is a 'well asked' question but I've looked and can't find the answer myself! Would anyone know who provided new looks store card credit in 1995/96? I am beginning the process of PPI reclaim but can't find any paperwork for this account. I know I had one as…
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Council Tax Appeal question?!
Hi all, I am in the process of appealing my council tax banding and have been given a court date at the end of August. I am still not fully sure if my would-be claim is valid or not; although I have swotted up on it over the past few months, I've been given mixed answers (and misdirection) from the local council about it.…
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Reclaiming mortgage ppi
Hi in 2000 I got a mortgage with bank of Scotland and after a year changed to abbey national with better deal but had to pay a penalty to do it plus we had ppi attached to the mortgage However after contacting Santander and royal bank of Scotland they have both said they cannot find any trace of a mortgage and I simply…
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How can I claim PPI from Northern Rock
Hi I'm trying to see if I can claim PPI from a mortgage I had with Northern Rock which was paid off in 2004. I have a reference number but that is all. I'm not sure who I apply to as Northern Rock no longer exists. Thanks hflet.
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C&G Mortgage Reclaim after bankruptcy
Hi, We have had three mortgages with C&G over a fifteen year period. These were all in our joint names for a PPI that would pay the monthly mortgage if we couldn't, due to unemployment or illness etc. I was declared bankrupt after the last mortgage so can't make a claim for repayment of the PPI. My question is, can my wife…
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Are the Halifax dragging this out too long??
Hello folks! I had a mortgage with the Halifax Building Society a while back now , (from 1983 till about 1996) which did include PPI , ultimately I sold the house and paid of the mortgage and mostly forgot all about it. Recently though I used the online 'Resolver' tool to try and claim something back ... The Halifax got…
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Unknown Mortgage Provider
Hi all Does anyone know how I can find out my mortgage provider for two mortgages I had back in the 1990's, and early 2000?:rotfl: I have looked at my credit report and it doesn't show anything only my current mortgage with my husband. I am no longer in contact with the person I had the mortgage with so not able to contact…
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Reclaiming after free trial...
Hi, can anyone help? My wife signed up for a free 14 day trial with a legal database called VLEX. Having looked over our bank statements I have recently noticed that this was never cancelled and a whopping £60 per month has been taken out over the last 3 months. On spotting this it's been instantly cancelled. The account…
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PPI Reclaim fro Mortgage Protection
We were sold mortgage protection in the event that one of the policy holder dies the full sum of the protected amount is paid out. We have been paying for this on a monthly basis for nearly 10 years. we have cleared off our mortgage and looked at reclaiming it as PPI. But the insurer is saying that the protection we took…
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Comparing property for council tax reclaim
Can anyone answer this one? My house was built 1995 and is band E. A mile down the road, (in the same town) are identical houses built 2 years earlier by the same builder. They are band D. I have been told that I cannot use them as a comparison for my request to check my band. I have been given no reason why they cannot be…
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Chased for council tax on property don't own
Hiya, sorry if this is in the wrong forum, please move if needed. A enforcement agent turned up at my parents house this morning to reclaim £700 council tax for a house in London. My parents have never lived on London and don't own property other than the house they live in. The guy made a call and said the address was a…
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Council Tax Reduction
I read through the article that shows the steps needed to see whether the house I'm living in is in the wrong band and here's what I found: I don't own the house, so we pay rent every month. The house is in Band D and both adjacent houses are in Band D as well, however all the houses next to my house are all band A; These…
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p87 form
what is a reasonable amount to claim on p87 form for washing and ironing of tunic and trousers every day for 5 days each week?
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Resold Mortgage
I had my original mortgage with Northern Rock then NRAM when RBS & banks caused the financial crisis early 2000s and the government brought Northern Rock out. I found about a year or so ago that my mortgage had been sold on to another company, no warning! When I queried this with the new company they said I should have…
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Mis-sold PPI Pre-2005
Is it correct the likes of VW can duck out of refunding mis-sold PPI when the agreement commenced pre-2005? This is the response I have received from VW and Financial Ombudsman. Any help would be very much appreciated.
