-
Council Tax appeal – Scotland - HELP
Hey Everyone. I have lived in my property for the last 3 years and it has now come to my attention that all my neighbours (With the same property) are paying a lower Council tax band than my block. I live in a 2 bed room 4 in a Block cottage Flat and my street is a Mix of these and 3 Bedroom Simi-detached houses. I have…
-
Mortgage Indemnity payment Mis-sold????
Can anyone advise me please as to whether this was wrong. I had to pay mortgage indemnity on my mortgage, which I was told at the time was basically an insurance for the building society which I had to pay for them in order to get my mortgage and that it was a one off payment (it was just under £700) and was to protected…
-
Mortgage PPI
I need a bit of help in regards to a mortgage PPI. I think that when we went through our mortgage in 2008, PPI was automatically added on by our mortgage adviser. I am in a joint mortgage with 2 other people who equally own the house 3 ways. I am certain that PPI would not cover this situation, and I believe that we are…
-
Council Tax Annexe Discount Problem
I have just received a bill for a self-contained flat within my property which I have now occupied after my parents left on 15th March 2014. I have just spoken to the Council Tax department trying to claim the Annexe Discount but was told that Calderdale do not offer this. I was under the impression that the government has…
-
Claiming charges off logbook loans
I got a loan from logbook about 5 years ago and they added about £500 in charges will i be able to claim any of this back and if so how
-
home shopping cataloge advice please
hi is it possible to reclaim charges or interest from catalogues?I have a studio24 and argos account which i am struggling to pay off as im now a single parent...i am on a dmp to help but both these companies refused to freeze the interest to help me pay them off.....i havent ordered from them for years but am getting…
-
Virgin credit record on my file - offered £250 compensation
When I was a student I opened a Virgin media Internet account, this was in 2003. £128 was outstanding on the account and this is listed on my credit file. In 2008 they added a second account to my credit file with an outstanding balance of £174 in error (turns out the error occured when they migrated data from one database…
-
MSE News: CPP reclaims: Cheques for big money being sent NOW
"Customers who've claimed for mis-sold card and identity theft policies from CPP are being sent cheques thick and fast..." Read the full story: CPP reclaims: Cheques for big money being sent NOW Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New…
-
Mortgage Fees/Charges
Hi Does anyone know if the practice of attempting to regain fees charged (when a mortgage is taken out) an arrangement fee is available? I have been contacted by a finance company who say that they could get me back all arrangements fees and other fees paid on my mortgages. Having changed mortgage product a number of times…
-
Natwest re-mortgaged on incorrect LTV & failed to suggest a survey
Experts I purchased a repossessed property [at a lower market value] in March 2010. Some mortgage timelines are as below before I explain my question. Lender - Natwest Application - first time Date - March 2010 Mortgage period - 2 years fixed LTV - 85% Now when the above deal expired I remortgaged with same lender. Lender…
-
Blue Sky/Welcome Finance
Hi I wonder if anyone can help me with this. I took a large loan years ago with Welcome Finance and had major problems with the company. Threats, Men managing to pass my flat security to get to my door etc,fees, you name it I had it. Eventually I had to sell my home and move back with parents. My solicitor went to Welcome…
-
House not yet banded - do i have to pay yet?
Hi We're in a new build house which has yet to be banded for council tax. As a result, we're not currently paying it but have been told it would be back dated to the date we moved in. Is this correct? We're not currently having recycling/rubbish collected etc - as if we don't yet exist in the eyes of the council. Am I in a…
-
[TEXT DELETED BY FORUM TEAM] telecom service [TEXT DELETED BY FORUM TEAM]
We signed up with Unicom just over a year ago for our business calls. At the time of signing, I told the rep (who was sitting in our home at the time) that we were thinking of emigrating within the next year and didn't want to be tied into a fixed term contract. He said that if we were to leave the country it would be fine…
-
Mis Sold Life insurance/Critical Illness cover?
HI I took out a mortgage with HSBC about 7 years ago, I was told I needed PPI(repayment Protection) and Life Insurance/Critical Illness. I have made a claim for the PPI aspect because at the time I was working for the NHS which provided 6months full sick pay and 6 months half sickpay. I should think this part of the claim…
-
How far back can you claim
When we applied for our first mortgage in 1977, I was told that I wouldn't be offered a mortgage unless I took out life insurance with an insurance agent I was introduced to at the building society. I had to go to the house of the agent to sign the insurance agreement. Can I claim mis-selling?
-
Council Tax rebanding and refund
The system works, and quite easy to do. Found out that my next door neighbour was in band D, mine E in April. Followed the guidlines from MoneySavingExpert in writing/email and initially turned down. Went back to Valuation Office with more evidence and asking for their proof that I should be in Band E under the Freedom of…
-
HMO or not.
Following on from this: https://forums.moneysavingexpert.com/discussion/5023084 The Council have said to us that even though the house was let to us as a group, the house is still HMO because there was a spare room. The spare room was locked and not let out for the duration. Unfortunately I think they might be right about…
-
HMO or not.
Following on from this: https://forums.moneysavingexpert.com/discussion/5023084 The Council have said to us that even though the house was let to us as a group, the house is still HMO because there was a spare room. The spare room was locked and not let out for the duration, but I believe they're right on this? Any help…
-
I have a buy to let morgage, want to release equity out of the property?
Hi I am looking to release equity, to use on another property, is this possible and which morgage type do I need, plus any deals please. Thanks for any help.
-
IF Mortgage
I have a mortgage with Intelligent Finance and am not sure how to find out if I can claim PPI. I did phone up Gladsto** Br**k* but they said that they did not deal with IF. Great! Any ideas who I can speak to as I do not want to get conned by some of the companys out there. Thanks.
