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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…
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[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…
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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…
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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?
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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…
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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…
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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…
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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.
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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.
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Reclaiming critical illness cover to get a Mortgage
Hi there I need help, I am trying to reclaim critical illness cover we were told we needed to take out back in 2007 by a financial adviser in order for Santander to give us a loan. We are currently in talks with the financial company St James as they had a adviser working for them and in his paper work it stated that it…
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Council Tax 50% annexe discount + 25% single occupancy discount
Very simply: does anyone here have experience or knowledge of how councils are meant to combine the new (April 2014) 50% annexe discount (where you are related to the occupants of the main building) with the long-standing 25% single occupier discount? My reading of the situation is that it should be a straight 75% combined…
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council tax banding pls help
Hi guys, I have been looking into the council tax rebanding, anyway im charged for band c, when i went onto the nationwide page it states i should be on b band, the neighbours are all different with a lot in my street being b band, my property isn't the same size as there's , it has a two storey side extension, that the…
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Agency threatening friend over council tax
Hi guys, Already made a post here but my friend has come to me with a similar problem, through the same agency. Her landlord has paid council tax on the property, now the agents are demanding £600 for council tax. She lives in a house with 3 other people, they each have individual contracts which based on what I've learned…
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Do I actually need PPI on my mortgage?
I have paid PPI on my mortgage for over 14 years which covers against accident, unemployment, long term sick etc. However I have separate critical illness cover, would receive full pay for 12mth if sick & have life insurance. As I have these separate policies do I need to pay for PPI on my mortgage?
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Landlord threatening Debt collection over Council Tax
Hi, I live in a shared house with my friends. Three of us are full time students, one is working but does receive housing benefit, the other is on Disability Living Allowance, ESA and housing benefit. At the beginning of the year our estate agent told us we all need to sort out our Council Tax individually, after much back…
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Tax quandry
Hello there, :j I was hoping some of you lovely people could give me some advice/ steer me in the right direction..:D Basically, I was working PT as a teacher and to fill the rest of my time the school directed me to a supply agency that they used. I now had 2 jobs, so two different tax codes, which was correct. My school…
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Do I stand a chance?
Money saving expert.
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Bank account charges lloyds tsb
I've had a Premier Account with Lloyds TSB for 8 years and use all the benefits. After learning about the miss-selling of bank accounts I decided to delve deeper! I phoned up and told the advisor I was unhappy that I was told I could only increase my overdraft limit by taking out a Premier Account. Apparently this was not…
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Company offering to get Council tax reduced.
Out of the blue today we had a phone call from a company called Dalton and Dalton, tax consultants. During the call they said that our house was wrongly banded and that they could get us a reduction. the figure they are talking about is in the region of £3,000 (total added up over 19 years). when asked why they had…
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Mortgage £9,000 additional interest charges
Hi, I wondered if anyone could help me? I seperated from my husband in October last year and we could not pay the mortgage on the marital home from Feb 2014, it was on the market for sale and the lender was informed. The figure to settle the mortgage in full was obtained in Feb 2014 but by the time the sale of the property…
