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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…
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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…
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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…
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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.
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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…
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Mortgage Indemnity Insurance
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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…
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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…
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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?…
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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…
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Council Tax Rebranding - Can you help me prepare my case?
Hi All, Am hoping you can help me. We bought a house last year that was branded band E. In my opinion, I feel this band is too high because of the location of the property. The house is in question is a 3 bed house, 2 bathrooms. Their valuation report said its 94m2, though I don't know how to verify this. This was…
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Council tax rebanding
Can anyone tell me how to get a valuation from 1991 when the records only seem to be from 1995
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Pre-2005 PPI Claim
Hello, I'm looking for a wee bit of advice on some mis-sold PPI. I've successfully claimed PPI back in the past with no issue, but I'm not sure where to turn in this case. I took out my first mortgage back in 2004. I was a student at the time and my parents acted as guarantors. The mortgage broker (recommended by my…
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1998 Barclays Statement: Can anyone help me?
Hi. My parents had an endowment policy (three separate) with Barclays from the early nineties. One of my parents' statements is below. I am having trouble working out what each of the direct debits are, and my parents aren't sure. Please can I ask if anybody can help offer any thoughts? Thank you in advance.
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Packaged Account
Hi all, I hope this is the correct section to place this query. if not, please feel free to advise. Today, my wife had a reply from Nat West detailing why they've refused her claim for a mis-sold packaged account (NAT West Advantage Gold). Among other reasons that we feel can be challenged via the Financial Ombudsman, they…
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secret commission payment from lender
I have been contacted by clear law solicitors saying I have a potential claim against ocwen or igroup for loans I had taken out between 1995 & 1998 they say they have successfully challenged these loans on the basis that the brokers who recommended the loans were tied to one lender and received a secret commission from the…
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Ppi reclaim from mortgage.
I'm just looking for some advice if I can claim ppi back off my mortgage which I have now finished paying Thanks
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Mortgage PPI and Police Officers
I understand from what I've read here that Mortgage PPI is covered by different rules than other PPI, but have a specific question regarding redundancy cover. My husband and I took out a mortgage in 2000. We were advised to take out the PPI by the mortgage company (Bradford and Bingley) to cover us for accident, sickness…
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Reclaiming MPI
Hi, I wonder if anyone can help. When I bought my first property I took out Mortgage Protection, however, I worked for my family business and It wouldn't of paid out anyway. This was back in 2001! but I've just found all the details and decided to contact them. They have come back to me saying that the Mortgage Broker is…
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Council tax advice on new builds needed
Hi, Last week I received a letter from the Valuation Office (VO) indicating the band for my flat. This was set at Band E. The property is located in London, SE16 and is a new build. I bought it from the developer for ca. £450k in October 2013 (completion was only October'15). I have strong case for believing that the…
