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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…
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Council tax bill not passed on
Hello everybody, Any similar experience or experts help would be really appreciated. I own a house which I rent out and live at a separate address. For two weeks of me owning the property but before the tenant moved in a bill arose for council tax. We had paid all council tax prior to this date. Unfortunately the new bill…
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Refuse to pay back over £2000!
I hope someone can help and advise. I enrolled onto a Naturopathic Course in Manchester believing it was going to be everything one would expect for paying course fees of £2650.00 not to mention a £290 deposit i paid in May. The course started last week and on my first day there were over 40 students in a small poki room.…
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Lloyds bank premier account success
Have just successfully claimed back fees on a Lloyds bank gold and premier account going back to 2001! Received the lovely sum of 850 just in time for Christmas thanks to this fantastic website and all its invaluable advice. Thanks to Martin and his team. :j
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Reclaim VAT on New Build
I have been told on good authority that I can claim VAT back on a lot of the purchases I have made on my new build property. Can anyone shed some light on this and/or links to the correct procedure to take. I was told only certain items are eligible. These are some of the things I have bought and paid VAT on... American…
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Halifax Offer Review then reject.
Hi, Very quick question hope may be able to help with. Long story short submitted PPI claim for Halifax mortgage protection back in 2009/10 which was v.quickly rejected. in 2012 i submitted a separate claim (new ref no / case no etc) and this was upheld in 2012 with a refund payment made to me. Last month i received a…
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Mobile Phone Insurance
My friend has just realised he's been paying for mobile phone insurance for the last 18 months without realising. Can he claim it back? When he took out a new phone contract, he got one months insurance free, but then he cancelled it at the end and thought no more about it. He's was checking up on his phone bill and…
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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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ombudsman mortgage fees
I had a complaint running against a mortgage company over various actions they have taken with my mortgage account. I had found information on the site that Martin put up that more or less said that the FSA had a view on monthly mortgage fees that it wasn't acceptable for mortgage companies to charge extortionate arrears…
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Mis-sold ISA
Hi - I hope that this is the right forum in which to post this. I have a query regarding an ISA which I took out in 2000, at the age of 23. At the time I was fortunate to have some significant savings, and having seen this when I went to the bank to pay something in the lady bank clerk suggested I make an appointment to…
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Mortgage PPI Reclaim Rejection
Help, I recently put in a claim for PPI linked to my mortgage, this was taken out in 1993 through Abbey National which was taken over by Santander. Today I have received a letter of rejection from Santander stating they cannot find any record, this is despite me sending a copy of the original agreement to them & the fact…
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Train ticket refund?
If a railway season ticket is accidentally left at home, so I have to buy a day return, am I entitled to a refund of the day return cost on production of the season ticket?
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Halifax Home Insurance Reclaim?
When we took our mortgage with the Halifax in 2007 we were told we had to take our home insurance through them too and the payment was combined into our monthly mortgage payment. This ran until at least 2011. Looking back at paperwork it Looks like I already had building and contents insurance with Aviva for part of the…
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Who is responsible for not receiving Court Summons
Hi, I am hoping that someone on these forums has any advice about being fined by a local council for not attending a court summons that I didn't receive? Basically they have added £83 to my council tax bill for court fees because they said I didn't attend a court summons for not paying council tax (long story, but…
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Council tax assistance please
Hi people, looking at trying to see whether l am in the wrong band, well l assume l am. Trouble is that the houses around me are all different sizes, detached and semi detached etc. There are also only several buildings in my stretch of properties. This is making my direction difficult.I have checked the web sites for…
