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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…
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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…
