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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…
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Early stage arrears management fee
Can someone shed some light if charges applied were correct. I took a secured loan on my property for £7,000 in 2007 and got into money troubles in 2010 and had to try my best to continue with payments. I couldn't afford the full repayments and paid what I could afford what they accepted. Each time a payment was due and I…
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Missold Warranty
Hi can anybody tell me if I could claim for a mis sold warranty? I bought a car on finance from Carcraft (biggest mistake) I told them that I definately did not want the extended warranty but they added it anyway, the car was bought with a personal loan, (I thought it was HP) from Creation Finance and the warranty was…
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Carcraft chertsey mis-sold NAC guarantee
Hi there Just wanted to share and warn you about the tactics used by Carcraft Chertsey. My daughter brought a car June 2010, after almost 8hours at the premises, arranging the finance, she was offered the NAC5year guarantee, for just under £11.00 per week. Eveything was covered should the car breakdown etc, except the…
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Successful council tax band change years ago. Letter arrived it's going back up!
I had my house successfully re banded in 2005 from a band E to a band D. Last week I had a letter putting my house back up to a Band E. I have appealed again but why would they choose to change the band after a successful appeal on my part?
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miss-sold life insurance at the time of taking out morgage ?
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PC World Rent Smart Problems
Hi I was wondering if someone could please help me, I got a macbook from PC world with Rent smart for £44 per month, I didn't get a choice as to the date i paid my direct debit but at the time I was being paid weekly so it was fine, I have since had to change jobs and I now get paid monthly and I have to manage a over a…
