-
Mortgage complaint upheld
Not sure is this is the right place... I had a mortgage application refused by Santander due to a 'note of going concern' in my accounts. Was told by accountant, IFA and did my own research and found this should have been okay. I complained to Santander about this and they've been in touch to say that this was an error on…
-
Is this a valid PPI claim?
In the 1980s, I had a mortgage with Barclays, arranged through Lloyds Bank, with a life cover arranged by Scottish Amicable. As I was self-employed, I was told that I needed to take up the cover arranged by Scots Amicable, as this included payment protection should I fall ill or become un-employed and I was told that this…
-
Reclaiming Professional Fees?
Hi I would appreciate some help. I recently had a conversation with a colleague who advised that it is possible to claim back professional fees, union subscription and professional journal subscription (I am a nurse so pay registration fees to the Nursing Midwifery Council, plus subscriptions to Royal College of Nursing…
-
Claiming back no fault Home Insurance excess
Last November the tenants next door moved out and asked one of our kids to mow the lawn and we found this. This is outside their back door and the full wall is our Conservatory. We asked the Tenants why they hadn't reported the leak and they said they had for five years! the LL would come and mess around for a bit then it…
-
Reclaiming owed money - time to issue a warrant?
This is against an individual rather than a company, but i really need help! Two years ago i went on holiday with an ex, and i paid for it and she said she'd immediately paid me back. Long story short, she never did. We broke up a year later and still I was without my £300. I was moving out of the country so after a LOT of…
-
PC World Rentsmart conned me!!!
Hi there, A couple of years ago I brought a dell laptop i'd just been paid my student loan and they somehow sweet talked me into this rentsmart agreement where I pay £36 odd a month and £11.99 for PC performance for the value of a comp not more (at the time) than £700 approx and at the end I don't even own if but have to…
-
Reclaiming from self-excluded betting sites
As someone who has struggled with sports betting/gambling for many years and constantly self-excluded myself from these sites to protect myself from them as a self preservation mechanism (as i am more than aware that in the long run there is only winner), i have on several occasions found myself being able to re-open…
-
Direct Debit double payment - 26 years!
My sister has discovered that she's been making a direct debit payment twice a month to the AA, instead of just the once a month, unbelievably for the past 26 years. The AA have responded saying they are "obliged to pay her £1000." which they have done. But she totals the amount of over payment over the 26 years amounts to…
-
HELP! Tricky Council tax problem - liability of 4 housemates
Hello all, I am currently in a tricky situation. I have received a final reminder to pay council tax relating to a tenancy from 3 years ago when I lived with 3 other people. At the time I was mistakenly under the impression that our rent of the property cover council tax. How I was wrong! The reminder asks to pay a sum for…
-
deleted as i have the answer
found the answer
-
Question about council tax and housing benefit
Hi My 19yr old daughter will be finishing her college course in June and is already looking for jobs as a Nursery Nurse but most of them don't start till September and if she does get one before June she won't start till September what I'm worried about is that I only receive £404 a month from ESA and both council tax and…
-
PPI Claim Mortgage
Hi Just looking for some advice about a PPI claim I have made. I'd like to get some sound info incase I need to pass anything on to the Financial Ombudsman. We had a joint mortgage with Nationwide and took out their PPI when we took out the mortgage in 2005. We think it was a joint PPI policy. We were told at the time it…
-
Rebanding on previous property
Hi All, I've had a little search but have been unable to find out if you can attempt a rebanding on a property you no longer live at. The reason being is that I meant to kick off the process on my old house, but never quite got around to it. I've since moved, and wondered if I can still do it. Or, can you only do it for a…
-
PPI Claims Mortgages
I keep getting calls about PPI and my mortgage saying that although I'm pretty sure I did not have protection insurance on my (repayment) mortgage they may have hiked the interest rate charged to cover it. Any advice as to whether it is worth me pursuing this either with a claims firm or by myself ? Thank you.
-
PCC Electricity poles compensation
Not sure if this is the right place but we have a 11Kv power line over our garden and a pole right in front of our conservatory. Never thought much of it but got a letter from PCC ltd today saying they will seek compensation on a no win, no fee basis and it could be thousands as proper easements were rarely put in place…
-
Mortgage Indemnity Insurance
Deleted.....
-
AI Scheme Compensation
Hi all, I recently received a reminder letter in from AI about the compensation scheme. I am claiming on behalf of my grandmother who has dementia. Given that neither of us have any knowledge of what the product was, we wrote the following on section B of the form: In response to your letter I wish to lodge a compensation…
-
Unauthorised direct debit
Hi, this seemed like the most appropriate section, apologies if not. I have just noticed that a £20 direct debit has been coming out of my account and I wasn't too sure why. Having looked into it, it was being taken from a gym that I had a membership with from February 2011 but had cancelled in July 2011. I subsequently…
-
Successfully reclaimed council tax Thames Water
Hi I successfully reclaimed council tax going back 15 years after a long drawn out fight to get re banded. I asked Thames Water if I could claim back money from them, as water bills are set by the level of your banding in 1991. As my banding has dropped to a D then I thought I should at least get a cheaper water bill now?…
-
Council Tax Single Person Discount
I don't know if anyone out there has had the same issue as this, but maybe someone will have had a similar experience and be able to advise. I live with my adult son who is in full time employment. Since he returned from Uni I've been paying council tax that reflects his presence here at home. At the beginning of the year…
