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Halifax Mortgage PPI Claim??
Hi there, My wife has been paying £45.81 to Halifax each month for PPI on the mortgage for the past 13 years, 3 months ago she fell down some stairs in work and had a back injury. Off work for 3 months so far. Halifax have refused to pay any payments on the mortgage so this PPI insurance is indeed not worth the paper its…
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Council Tax - accessing VOA "evidence"
Helping a friend who lives in a 1930s brick semi. One of the houses in the street is in a band lower than his. The VOA say the property is identical but was "un-modernised" at 1 April 1993. They also said they had "looked at sales" around the time and, surprise, they were in the higher band. He asked for sight of the…
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Alliance and Leicester Morgage PPI
hi, I have today received a letter from the Santander Group regarding my Alliance and Leicester Mortgage PPI. Whilst they agree I had it. they are saying that the "MPPI was appropriate for you when it was sold and therefore we are not upholding your complaint". They go on to say that even tho I had other means of payment…
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Council Tax - Single Person Discount
Has anyone had any experience of the following, have I claim? My partner and I have a property for which we pay full council tax. I've been working away from home for a couple of years and have been renting a property close to where I work. When I've spoken to the council there and explained the situation with a view to a…
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Finance -not seen this before ??
Hi I'm a newbie so apologies if I get anything wrong, ok here's my question, two years ago I took out a finance deal to get a car, I suspect that the price of the car I was buying was 'inflated' to enable me to get the finance and cover my negative equity, because what I'm paying is way over the odds for my car and I…
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Mortgage PPI Claims
Can anyone tell me if the following is true. I was contacted by phone by a compnay based on Camarthon advising that the Banks had been taking out money from applicants Mortgage repayments and setting up a PPI to cover themselves for any potential future losses. Is this true? I've approached all of my previous Mortgage…
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Eu261 reclaim
Hi Can anyone help, I flew with Ryanair over 7 years ago on a delayed flight I wrote into claim but heard nothing. In January 2016 they emailed me to say after an internal audit they were going to pay me compensation, they asked me to click on a link below that asked for there letter reference and my flight booking…
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What's the cut off for claiming for mis selling?
About 15 years ago (and when I was a bit naïve) I had made a reasonable profit on selling my house and decided to give investing a change, rather than put money in a bank/building society, so got an IFA to come visit. About 5 years later I lost about £10,000 in various technology bonds but have no paperwork to check my…
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Council tax band being changed back!
In 2006 we moved into our current home. Within the first 6 months we submitted an appeal against our council tax band and after our case was considered the VOA wrote to us in early 2007 to say that they agreed that our council tax band was incorrect and we were rebanded from a Band E to a Band D. Last month we had an email…
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Unclaimed Critical Illness cover
I have joined the forum hoping someone can advise me on this: When I got my first mortage in 1996 with Abbey National I got Critical Illness cover included. 4 years later I was diagnosed with cancer and went through 2 courses of chemo. I didn't make a claim on my cover as I naively thought that the Critical Illness Cover…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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deleted as i have the answer
found the answer
