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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…
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Storage Company Insurance
Hi Everyone, this is my first ever post so hope I've done it ok!?! In January 2010 I needed to use a storage company for my house contents while I was moving house. I chose Access Self Storage as this was the only company local to me that offered 24 hour access. Now they sold me insurance (Brit Insurance Ltd). I did not…
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Top up loan with mortgage 1980's
My first mortgage with a partner was back in early 1980's. It was a Barratt Home we purchased and at the time i remember we did not have enough income to get a straight forward mortgage but had a "top up loan" from i think Sun Life. Barratt's did it all for us we just had to sign and we got our own house! That was a long…
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Council Tax rebate for old property
Hi I moved from my old house about 8 years ago. Noticed that semi detached house that was joined to mine has had their band reduced from B to A from 1993! Houses are identical. At the time I was in the property I did go to the VOA to dispute the banding but got refused? Could I query this for myself for the period I was in…
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old northern rock account number
In the process of an mppi from northern rock,now i don't have my account number.But on checking my bank account statements from the years i was paying th direct debit there is an 8 digit reference number which i thought would be my mortgage account number,but NRAM as they are now called say it would need to be 10…
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Reclaim "secret commission "
Hi, i have been contacted by chafes solicitors regarding a secured loan i took out in 1998. They have said that theh are dealing with hundreds of claims against ge money for a secret commission that was paid by ge money to my broker which made ge money a preferred lender rather than being the best available lender for me…
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Mortgage ERC
Hi My current mortgage terms with Nationwide has a ERC of %5 regardless of which year I am in in my 5 year mortgage. A couple of years ago I had an extension built and so my equity went up so I started looking for a cheaper deal. I phoned my broker who said that even with the lowest cost mortgage on the market it wouldn't…
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Council Tax Rebanding
Hi does anyone know if you can try to claim back council tax for a property that you used to own. I moved a year ago from a house i lived in for 9 years and have just found out that other similar properties in that road were a band lower than mine. many thanks Paul
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"Homeless" guest council tax
I am about to move out of my flat. It will be about three months before I move to another. I will not own or rent anywhere until then so won’t have to pay council tax myself. BUT… Can I avoid making people I stay with in the meantime have to pay council tax by Staying with as many different people as I can, mostly with…
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Escheated US Stocks
I recently tried to sell my shares in a US company, I sent the certificate to etrade who then sent it off to compushare without my knowledge. I contacted Compushare who advised me the shares had been escheated to the US government and I would have to contact missingmoney.com to see what I could do to get them back! I have…
