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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…
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Mortgage exit fee
I called Halifax yesterday and said , I would like to reclaim my mortgage exit fee and they credited my bank the same day with 175 !!
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Life insurance
I was wondering if anyone can help or advise me regarding life insurance if I could claim back on the fact I was Mia sold
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Opinion on affect of living next to a pub / main road?
Hi all I was wondering if anyone can help me with some advice I am looking for: where can I find expert opinion on the affect living adjacent to a pub can have on a house value? (or is anyone willing to be that expert opinion?) I am preparing a case for a Valuation Tribunal and need to find expert opinion to include within…
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Reclaiming money lent to friend
Hi I lent a friend over £2000 who now lives in Saudi on a work contract and won't pay me back. I've tried citizens advice who referred me to the embassies, and also tried UK courts solicitors and legal aid but no one can help without me paying several thousands myself. Which I don't have Any advice welcome please
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Right to Appeal
In 2007 I followed Martin Lewis's advice about challenging my council tax banding. I felt I had a really good case, however it was turned down and even after I appealed within the 3 months the decision was not overturned and I was told the appeal decision was final. Even though I still felt that I was in the wrong band I…
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Claiming back divorce costs
Hi, :) my current GF went through a divorce in 2015. her ex-husband signed on the divorce papers to pay the divorce costs (£410) He never paid. She's currently going through money claim online. We've issued a judgement for the money. not paid Now applied for a warrant today. I'm aware it takes a few days for the court to…
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Can I claim back mortgage broker fees?
We applied for a mortgage last week which got declined, despite having a mortgage in principle! Are we able to claim back the £500 mortgage broker fees we paid? We are still within 14 days, am I right in thinking there is a 14 day cooling off period.
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2014 Council Tax demand
I have received a bill for council tax for 2014 for my parents house. Are they still able to ask for this? It is for a reasonably small amount but we thought it was all paid up to date as per bills sent at that time. Can they come back for more three years later? Will this keep happening?? I thought this chapter in my life…
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How can my bank pay a DD without my permission?
Just had our bank statement arrive and noticed that £12 has been taken out by SAT TV by DD. We have not authorised this. We don't have Sky either, haven't for over 10 years now. Went to the bank and because the DD was on 1st March and its now 8th March they say they can't do anything. Our bank only opens twice a week and…
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My bank has messed up my mortgage and offered me compensation.
My bank has messed up my mortgage and offered me compensation. How do I know how much to ask them for? they said " how about £250" They approved a mortgage and just 2 day prior to completion said I couldn't use the gift of equity as a deposit ( previously agreed) and I would need to come up with 16000 What do you think ?
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My bank has messed up my mortgage and offered me compensation.
My bank has messed up my mortgage and offered me compensation. How do I know how much to ask them for? they said " how about £250" They approved a mortgage and just 2 days prior to completion said I couldn't use the gift of equity as a deposit ( previously agreed) and I would need to come up with 16000 What do you think ?
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Stopping a PPI claim to try yourself
Hi all, My mother has just been contacted by a company by letter, they asked her to confirm that they were dealing with her (the letter just wanted her to sign to say she is the person they addressed it to), also in the document were details of Solicitors my mother could call to confirm their identity and credentials etc.…
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Do I reclaim from 3Xd or Leeds building?
Hi, I hope someone can help me, when myself and my husband purchased our first home 5 years ago we were told we had to take out a policy with 3Xd to secure the mortgage so that if my husband (as the main household earner) was to get sick or lose his job the mortgage would still be paid. So we felt we had to or the house…
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Resumeimproved refund
Hi everyone, I hope this is the right place to write this. My friend recently discovered she had been paying a company called EmploymentOnline Ltd on PayPal for the past 9.5 years a fee of £3.49 a month. That's almost £400. I discovered this when i was helping her with some PayPal stuff. I asked her what the payments were…
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Barclays Int Charges Refunds
Barclays have been sending out settlements for international payments overcharging following investigations that have been going on for a couple of years. They quote a ten year applicability period 2005-2015 and offer a settlement figure which includes an interest rate of 8%. Has anyone else been offered a settlement and…
