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Council tax rebate
Good afternoon I've managed after a bit of a struggle to get my elderly mothers house rebanded from a D to a C. I now know the local council are going to offer a rebate back to 1993 but my question is - Does anyone know how I can find previous years council tax charges (as far back as possible) to determine if the amount…
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Reclaiming ppi paid on mortgage
Hellooo I am trying to reclaim PPI that my mum had on her mortgage repayments that she was unaware of. Has anyone got advice on this. I have downloaded a form from Cheltenham and Gloucester. Is PPI a pre-requisite when you have a mortgage??? Any help or guidance would be most appreciated. My mum paid 300 pound to…
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Council tax single discount - arrears
Hi, I have claimed single person discount of 25% for over 2 years but for the last 18months my partner has been living at my home. We had split up and he was living in rented accommodation and I was on my own, hence claiming the discount. But 18 months ago he was taken very ill and was in hospital. On his discharge, it was…
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Diamond Legal and Blemain Finance
Hi, has anyone had any experience with Diamond Legal? They say that they are a firm of solicitors who have been appointed to reclaim undisclosed commission fees that were charged to customers of Blemain Finance, who passed these fees as backhander payments to brokers in order to gain secured loans, regardless of whether…
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Mortgage Arrangement Fee
I switched Mortgages from Nationwide to Woolwich (Barclays) about 10 yrs ago as I wanted to clear some debt and make home improvements and Nationwide would not lend me any more, don't know why as it was a case of 'Computer says No'. The Woolwich offered me what I needed as I had capital in the house. The arrangement fee…
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Halifax Scottish Widows investment
Hi all, Halifax contacted me to explain I may have been misold the investment we took out 5 years ago. After 2 hours on the phone with an advisor and 3 months of quiet. I received a large letter pack today advising that the advise given was not appropriate for my circumstances - little risk and have other loans I could…
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Law Student beats Student Loans Co
http://www.legalcheek.com/2016/08/university-of-derby-law-student-uses-1870s-case-law-to-show-student-loan-tcs-do-not-apply/ An interesting rare civil win for those who argue against unread online/attached Terms & Conditions. This was more a principled stance - rather than a huge £ windfall - as the ex-copper/law student…
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London Council to refund every resident of their water bill.
The council were found to be profiting illegally while collecting bills on behalf of Thames Water, in London. The legal challenge was brought by Camberwell resident, Kim Jones, in March. In April the council released a statement that only tenants who lived in a council property between April 2010 and July 2013 could be…
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PPI confusion
I am confused over who I can claim PPI from. I was advised by a financial advisor regarding available mortgages and was told to take insurance out to protect that mortgage. Is it the mortgage provider or advisor?
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Council tax tribunal?
I have appealed against my council tax banding being in band D for the following reasons (I think I should be in band C): 1) I am band D, but 3 new similar, but more valuable bungalows in my street are in band C (they were built in 2009 and mine was built in the 1960's). 2) I have revalued my purchase price back to 1991…
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Mortgages
Looking for ideas re split mortgages. Currently have a part repayment part interest only mortgage with approximately 11 years to run. I am a locum worker with a limited company since 2013 and subject to vat, corporation tax etc which is paid regularly. My mortgage is with the Halifax and they have been next to useless as I…
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Council tax Tribunal appeal failed. What next?
Hi, I have recently recieved the result of my council tax appeal from the Tribunal I attended. Myself and a neighbour put an extremely strong case together for the Tribunal and still didn't succeed. As a brief overview our council tax band is an E. Myself and numerous other neighbours believe it should be a D banding.…
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Can't afford council tax on inherited house
I inherited my dad's house and after 6 months probate the council are now billing me £90 a month even though the house is empty-I don't live there. I don't work due to illness and on benefits.Would I be able to claim a discount or exemption from council tax or because he left me the house woulld I not be eligible for…
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CO-OP Bank Letter Not Acting in accordance with Credit Act (compensation?)
Dear All, Received a letter through the post from Joanne Mayer Head of Banking Operations stating: -- Dear MR X The Following letter is reference to your loan account. AS you may be aware, we send you periodic statements at least every 12 months to keep you updated on activity relating to your loan account. This is in…
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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…
