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MPPI - Putting in complaint against broker?
Hi Am looking at putting in a complaint for PPI on our old mortgage which we took out in 1997. Hubby and I have only gone down the PPI complaint route with loans/credit cards but have held back on putting in a complaint for our mortgage PPI as it is pre 2005 which I understand brokers were not regulated? Is it still…
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Unenforceable Mortgage Claims
As I understand it, the point of any mortgage mis-selling case against either a broker or lender would be to put you back in the position you would have been if the mortgage(s) had not been sold to you. The goal would be to rid you of any arrears that may have accrued as part of the claim, any negative equity and award…
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Bradford & Bingley PPI claim advice
Hi, I hope someone here can help me with my mortgage ppi query. In 1999 I took out a 100% mortgage with Bradford & Bingley, earlier this year I paid my mortgage off entirely, only recently did I notice that than additional B&B directdebit was still actively taking money from my account, after further investigation I…
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Mortgagesure lloyds ppi
Hi, I got a job with Lloyds bank in 1996 and got a Mortgage with them the same year, the job I had made me realise that there was little point in PPI ( main job writing off debts, lots with PPI which you couldn't claim on). A friend contacted who I used to work with recently and said she found out she was paying…
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Council Tax Summons
I'd be grateful for some advice. I've just received a council tax summons but have never received a bill. I applied on line a few days after moving in and 3 months later received a reminder. My husband phoned the council and were told they would send us a bill. At that point I paid the monthly amount on the reminder…
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Claiming Mortgage arrears and fees
Any advice would be appreciated. I had a mortgage with Northern Rock and during 2007, I was unemployed and got into serious arrears with the mortgage. I got charges for arrears, a court appearance and also a guy coming to the house to give me advice on making the payments!! I know its been 8-9 years and I sold the house in…
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Gah! A council tax summons!
I moved house on 10 July from Leicester council area to Blaby DC. I believed that I had paid the correct pro-rata amount for the year and would be due a refund so I cancelled the DD to prevent a payment coming out on 1 July. Wrong. The summons says I actually owed £53.41. And now I have £51 in "charges" to pay for. Bollox.
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Mortgage PPI
Hi - wonder if anyone can assist. I took out my original mortgage in 1996 - was told by the bank that we had to take the ASU cover offered by the bank to get the mortgage. The monthly payment for the insurance was added to the mortgage account and interest charged accordingly. Also when I tried to make a claim on the…
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PPI reclaim from GMAC RFC
From 2004 to approx 2009 my mortgage was with GMAC RFC who I understand no longer trade in the UK. Has anyone reclaimed from them who could give me a few tips on where to write to to begin the process, check I had PPI (which definitely wasn't mentioned and knowingly accepted by me) and then reclaim if applicable. Thanks in…
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Discovered my old Woolwich Equitable Building Society Book
I have came across my old Woolwich building society share account book, dating back to 1988 when a local branch existing in my town. The branch has since closed down and I have a £22.68 balance remaining. Does anyone know if there is anyway I can recover this money? I know it's not much but the balance is better in my…
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FSCS, Kensington Mortgages & PPI
Apologies in advance, this is a long one!! but i am just so confused any pointers would be immensely appreciated. After reading a lot on here regarding ppi, mppi, claims co, fscs. etc i decided to try to not use a claims company but try and go it alone to make an application to the FSCS. Now im beginning to think im way…
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B&B mortgage with compulsory insurance?
Hi folks. I took out a B&B mortgage in 2000 and to get the specific deal I had to take out two types of insurance (an income protector and some other one that I can't recall now). I kept the income protector policy for six years before cancelling it. I've looked at a number of threads and articles but I'm still not clear…
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Council Tax Bands Challenge
I have a neighbour (right next door) who is paying a lower banded Council Tax than me and I challenged unsuccessfully. I now know I wasted my time for one simple element. I purchased my house from people that had lived here for 30 years. The key point is that if your house has not been sold since around 1991 then no stats…
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Can I claim PPI on mortgage protection?
We have mortgage protection which we have been paying for 10 yrs, yet I tried to claim on it last yr the company said I had to wait 6 months before I could make a claim due to the fact I had a redundancy payout, I don't remember this being explained at the time of taking out the policy... Can PPI be claimed against…
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Can I claim PPI on mortgage?
I have finally decided to make a claim for my mortgage PPI. It is nearly 20 years I have been paying the premium and as this payment was simply rolled into my mortgage payment I think I have a case. The article talks about getting your payments back +8% interest. Any idea how this is calculated? Having got a calculator out…
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Late Mortgage Payment fees reclaim
Ages ago there was a link to a Scottish advice centre regarding reclaiming late motgage payments. Over the last 5 years, due to GE Money refusing to change my payment date by 4 days without charging huge interest payments, I have paid late by 4 days every month. They have sent me a letter saying they are going to add these…
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Track deceased assets
Hi all, I would appreciate any information on an organisation that can trace all assets belonging to my wife's father. Sadly, there is no will and the widower left all the finances to her late husband. There is no mortgage and the house is in joint names so we are ok with the house. However, my mother In law was told by…
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No Work for 9 Months/Council Tax Rebate
Hi I have been out of work for 9 months. I initially tried to create my own business but it didn't really work, and I've now had to sign on. Could I get a council tax rebate for the entire 9 months? I'm currently paying 90 quid a month. Thanks PennyPincher3562
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Standard Life Bank Limited Mortgage ppi
Dear All, I'm very new on this site and was just hoping to ask for some guidance. My husband and I divorced 10 years ago however prior to that we took out a mortgage jointly through Standard Life Bank Limited. Some paperwork has just surfaced and we are jointly contacting Barclays who took over the bank in 2010 (filling…
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PPI for life policy on Northern Rock mortgage
Hi, I have a pre-existing medical condition and I was sold a life/accident/sickness/redundancy policy by a broker when I took out my Northern Rock mortgage. I have now seen the light and made different arrangements, but wonder whether I could have made a claim anyway given my medical condition (I've twice been refused an…
