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Mppi with nationwide. Two old accounts - closed. Joint names, but divorced now
Hi Many questions in this I'm afraid but bear with me: Back in 2002 my ex husband and I took out a Mortgage with Nationwide and feel sure I was missold ppi as presumed it was compulsory. I have bank statements of payments still from back then and have listed each monthly payment in a spreadsheet. I also have paperwork with…
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Sainsbury's PPI reclaim
Hey.....haven't been on the forums for quite a few years. Moved abroad but am still servicing one debt in the UK :mad: I have now received a letter from Bank of Scotland regarding 2 old (and settled) Sainsbury's loans asking me to claim PPI. I successfully claimed PPI a few years ago (using the templates on here) but…
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Council tax banding help!!!!!!!
Good afternoon everybody, new to this site so please bare with me!! Me and my partner bought our first home in April 15 for 225k!!! (Saved very hard)!! But prior to this we lived in a property no more than 250 meters across the road from our new house. Both are new builds and the house across the street we lived in as part…
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Carrington Carr Miss-sold Mortgage
Hi all Im hoping someone can give me some advice on the below! I recieved a letter yesterday off the solicitor who completed all the legalities when we remortgaged, saying that they have been alerted that some of their clients may have been miss sold their mortgage by Carrington Carr. (we took ours out via them in nov…
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Have I been mis sold
I used to have a limited company and banked with Barclays. I also had a commercial mortgage with Barclays in joint names with my daughter. (Deposit, renovation work paid for out of personal funds, this was to be our pension. i.e. rental). In 2006 I put the company into voluntary liquidation. To my surprise, Barclays said…
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Forgot to stop Direct Debit for Life Insurance
I had my life insurance policy renewed and the process involved creating a new policy with a separate d/d. The old policy was cancelled beginning of 2015. However I never cancelled the d/d and only now, a year later, realised that it's been going out of my account. The insurance company said they will only refund the past…
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Halifax MPPI
Hello All, I took my mortgage out in Nov 1995 with the Halifax. My last payment was in Oct 2015. Whilst going through some old statements I have noticed that there has been an 'Insurance Premium' of £18.18 included in with my mortgage payments each month. Is this what is called MPPI? and if so can I claim it back? (I was…
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Royal Bank of Scotland royalties gold bank account
Hi I'm first time forum user and need some advice. My mother will be 75 next week and around 15 years ago she had a bank account that you had to keep a certain amount of money as if she went overdrawn she would be charged I think. She was in the bank and the teller said she would benefit from having a RBS ROYALTIES GOLD…
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Personal Accident Insurance missold by Swinton?
Hi all, Firstly, apologies if this is not the right place, It is my first time! ;) Today I was sorting out stuff and I came across the paperwork for my car insurance with Swindon from 03/01/12, payed by a monthly Direct Debit of £44.41 I was going to destroy the paperwork as it is quite old when I noticed an envelope…
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Mortgage Payment Protection reclaim?? (or not as the case may be)
Hi, I'm hoping someone can shed some light on this as I am very confused and not sure where to start let alone if there's even a case to answer! When purchasing the property I currently live in back in 2007 I was in full time employment at a company paying sick pay for 6 months. I remember the conversation about mortgage…
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Bank dont answer my request for reclaim of charges
Hi all I went down the route of trying to reclaim the £15 pm charges on my natwest account through this site and the reclaimer tool ?! I today received a letter from the bank but there is no mention of my request for a refund. Instead they say. Further to previous communications regarding the unsatisfactory operation of…
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Northen rock mortage PPI help please
Hello, im a complete novice to what im about to ask so if anyone could help explain what i need to do in idiot language i would be extremely grateful, i had a endowment mortgage with northern rock from sept 1999 to dec 2009, 10 years, once we moved we cashed in our endowment and changed to a santander fixed rate straight…
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MPPI/ASU breakdown
Hi all, I made a MPPI (ASU) claim against Nationwide approx 3 years ago on the basis that I was both employed and self-employed and they would not have paid out if I lost my employed job. No surprise that Nationwide rejected my claim. 3 years later and I've received a call from the FOS to suggest that they have agreed with…
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Halifax card protection
My mum had Sentinel card protection for many years and at some point that was changed by Halifax to their own product automatically. Clearly we now know that this product was unnecessary. Has anyone had success in reclaiming? We wrote to Halifax but somehow they seem to think we are reclaiming PPI.
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GE Money Home Lending
Hi can anyone help In 2003 we bought a kitchen, Living Design (Home Imp Ltd) who have ceased trading. This was done through finance and we were told no PPI NO Finance that was it. This loan was originally by First National who was took over in 2003 by GE Money Lending, insurance Policy Underwriter Cardiff Pinnacle. I wrote…
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Mortgage mis selling
I have found out the broker who sold me my mortgage in 2007 was a subsidiary company of the bank they arranged my mortgage with. Do I have any legal rights to complain under the conflict of interest law x
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Can I claim Mortgage PPI was Self Employed
Hi, Hoping someone can give me some advice. When my ex and I got our last mortgage he was self employed, we were told we had to pay mortgage insurance, even though he wouldn't have been able to claim if he couldn't work. (I wasn't working, it was done entirely on his earnings) The mortgage was taken out about 17/18 years…
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Had Mortgage Protection can i try to reclaim MPPI
Don't know if anyone can help I had a mortgage a few years ago and had mortgage ppi, I lost my job in a bank and went to apply for protection but got told I wasn't covered as I was in a sales role? I took out this policy through a IFA who knew I was in a sales role when I took out the policy. Do I have any grounds for…
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Miss-sold Building and Contents Insurance
Wow, where to start. So, our mortgage adviser arranged our buildings and contents insurance for us when we purchased our property in 2006. Being very trusting we assumed that as they had all the details of the value of the house etc this would be very simple. Stupidly we never questioned anything. Each year we would get a…
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CI reclaim potential?
Hi, I took out CI for a large loan covering about 12 BTL properties, I told the bank that I didn't need to CI, and was it part of the loan deal that I had to take it out, I was told that it would ease the process if I took it out, and I refused. They left the room, had a 5 minute chat and asked me if I would take it out…
