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HELP! Mis sold account fees
Hi I think we were mis sold an account fee at lloyds back in 2012. Me and my husband got married in 2012 and had cheques given to us as mr and mrs as we did not have a joint account lloyds told us we would need to make an appointment to open a joint account to bank the cheques. At the appointment we were only offered two…
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HELP! Mis sold account fees
Hi I think we were mis sold an account fee at lloyds back in 2012. Me and my husband got married in 2012 and had cheques given to us as mr and mrs as we did not have a joint account lloyds told us we would need to make an appointment to open a joint account to bank the cheques. At the appointment we were only offered two…
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Has anyone actually been taken to court for not paying NHS Penalty fines?
I face a massive fine I can't pay because I ticked the box on my prescription saying I was eligible for free prescriptions. This is because I am on working tax credit and a very low income, and I asked the chemist if this meant I got free prescriptions (I was on benefits years ago, i forgot how it works with…
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council tax exemption
I emailed the council because my Mum was diagnosed with Vascular Dementia in 2015, got a garbled email back saying that it wouldn't make any difference to the council tax. I was told different by Carers UK in December 2016 contacted the council again and was sent a form. She is now exempt for Council Tax. I told them that…
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Challenging a council tax band that changed band in 2010.
I am in the process of purchasing a house and one thing that I have always found strange is how it is a band E yet the houses I was looking at in the same price bracket and size within the same area were all a band D. I decided to buy it because it's the most suitable available dispite my disappointment with the band. I…
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Can We Reclaim MPPI on this?
We had a 9 year mortgage with Nationwide. This started in 2006 and was paid off early in May 2013. For the duration of the mortgage we paid Mortgage Payment Protection. When we had our mortgage interview with the Nationwide we were advised to take out MPPI. At the time we stated that my husband was self-employed but were…
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Council Tax Rebates
Should a rebate include inflation?
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Unfair/Excessive Mortgage ERC?
Hi, I’m looking for some advice about whether a Mortgage Early Repayment Charge can be classed as unfair due to the severity of the charge. Basically my bf and his ex signed up to a 2.99% fixed rate deal 2 years ago, without realising that it had a 5 year tie in @ 5% of amount repaid (so £5k on their £100k mortgage).…
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Halifax Mortgage PPI
Hi, I have claimed for a mis- sold PPI policy on my Halifax (originally Leeds) mortgage back in 1992. They phoned me explaining the policy was only in my name, not joint with my wife. I explained i did not know i even had PPI sold to me & answered all the questions asked. I resieved a letter saying my claim was rejected…
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Council Tax refund frustrations
Hi - first time posting and I'm looking for some advice. I've had a nice experience with my Local Council - nice people they are. Short version is I was on a repayment plan and missed a payment in Feb, and made it a few days later. However they attached an AEO on my wage, and didn't take the £150 I'd pay into account. The…
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Council Tax Banding Criteria...Any help?
Hi members. I'm new here and trying to find my way around, so please bear with me. We are currently looking into the possibility of challenging our banding.I have read what info is available and it would seem, initially ,that we were banded C, like most of the properties which are similar to our one BUT also those that are…
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Alliance & Leceicester Mortgage PPI claim
Is it possible to reclaim mis sold mortgage PPI given the bank concerned Alliance & Leicester no longer operate. If yes, How can I check, given the bank is not listed on Resolver? Thx for any help
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Council tax banding on new properties
If banding is based on property value in 1991 how is the correct band given on new property? We have a 1930's 3 bed terraced on Band D. Our son is in 2yr old 1 bed flat, same Borough, but also on Band D this doesn't seem fair. Can't use MSE Band checker due to being new property.
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Finding details of old loans/PPI
Help, sorry this is my first post and don't know if this question is answered elsewhere. I've had loans, mortgages and credit cards with PPI going back over 20 years. These are all repaid and I have no paperwork. I've had a free report from Experian which just goes back 6 years - where can I find details of all my old…
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Car Purchase Refund Advice Please...
Hi All, I am after some advice on whether i would be entitled to full refund regarding purchase of vehicle, i keep getting told different things ................ i shall try to keep it brief..... I purchased a vehicle for 7500.00, i paid part by debit card and part £2600;00 by my banks credit card (tsb). I purchased from a…
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Nemo Personal Finance Breach of Consumer Credit Law
Hi, I have a secured loan with Nemo Personal Finance which I have had for 7 years. I received a letter from them yesterday stating that due to there been arrears on my account dating back a few years which was in fact a late payment fee I believe and the fact that they have not sent me any statements of arrears in the…
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Sold mppi when mortgage had guarantor
Hi I wonder if someone can help? In 1996 (as a Student) I took out a mortgage with Halifax Building Society. My Dad was a guarantor for this mortgage. At the time I was strongly advised to take out mppi by Halifax - this is stated in the mortgage offer letter. I took out life assurance with Hambro assured and payed monthly…
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Reclaiming mortgage overpayments
I'm new on here so forgive me if this naiive, but has anyone heard of reclaiming for interest rate payments, in addition to regular PPI reclaim? I had a PPI claim settled by Claims Advisory Group (I know - I could have done it myself) and they are now very interested in pursuing a Mortgage Overpayment Reclaim case via a…
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Council Tax Rebanding - what if I think neighbours aren't paying enough?
So this is a bit of a moral exercise question really. Background: I'm Council Tax band D, but most of my neighbours are C. Most properties on my street are either the same size as mine or bigger. Out of approximately 40 properties, there are maybe four D bands, and I'm one of them - the rest are C. Now, the quick valuation…
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Bogus savings scheme - historical
Hi, Sorry I am not sure if I am posting in the correct place - apologies if not. I was just talking to my parents today about some PPI I had managed to claim back, when they told me that some years ago (ie 20 years or so) they were duped into paying a 'life insurance'. The person they were duped by worked in TSB at the…
