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jdmcoook Missold mortgage
[/B][/B]Hi Need some good advise about mortgage misselling ! i got house repocessed in 07 ! house sold by lender in 09 for £235000 lender gave me £24100 to build but they are chasing me for £87000 in fees and interest this was i self cert mortgage and i wasnt asked could i afford it just asked did i want to self cert the…
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My father has been a victim of bank fraud..
Can anyone help? My dad sent a cheque off to his managing agents to pay his service charge. The cheque at some unknown point was stolen. The thief set up an account with Lloyds in the name of the managing agents and paid the cheque in. We have written to Lloyds and they say they acted in good faith and will not reimburse…
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Premium Bank Accounts
Hi guys Im new to these forums and need some advice. My grandmother has recently passed away after suffering from a long term illness that had left her bed ridden for 14 years, she had only left the house to go to the hospital in this time. My grandfather is also in ill health after having two heart attacks and a stroke…
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FINANCIAL SOLUTIONS - anyone heard of them
I've just had a phone call on my landline from someone claiming to work for Financial Solutions. He told me that according to a central database I have paid my credit card and loan repayments on time by direct debit. As a result I have been selected to be entitled to a 50% reduction on the amount I owe. He wanted to know…
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Unfair Mortgage Charges
Can someone tell me if you can reclaim unfair mortgage charges ie admin and DD recall fees. If you can which way do you go FOS or County Court and has anybody had any success?
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can i claim?
Ive been looking at the exit fees reclaiming guide and my head is spinning after a long day of paperwork. I know this is thick and i suspect the answer is no but can anyone tell me if i can claim? Took out mortgage with northern rock in aug/sept 2005 and switched to 1st active in october 2007. can i reclaim? thanks - i…
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fees
i was meant to get paid on the 28th my i got my pay slip and everyone else at work got paid, my work dosent know were the money and my bank dosent know were the money is so i have no money and i have things coming out of my bank which i am going to inccure bank charges for and also i have a repayment coming out and if i do…
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claim garage for loss
I am a self employed kitchen fitter and rely on my van for every day running of my business. 11 weeks ago my van broke down and it was recovered to the main dealer. After inspection I was told I require all injectors to be replaced at a cost of £1500. Unhappy about this as my van was only 4 years old and 41000 miles on the…
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Standing order woe
This may sound crazy but ... Back in 2003/4, I set up a monthly standing order in support of a new independent school that was being setup. Every year or I checked online to see if all was well with the school etc and left the standing order in place. Everything seemed legit as Ofsted did reports etc and the school was…
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take on the banks
Hello i am new to this forum and i am looking for advice here is were i am 3 years ago a friend told me to speak to his friend who was an accounts manager for a bank about setting up an account which we did he then after changing our account over got us to change our mortgage to them we had a previous mortgage of 274k but…
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Can I Force Bank To Do Chargeback
if I transferred the money to a company by bank transfer and the company concerned, is now in liquidation? I am one of the many that got scammed by Nuttalls Of Chester. When I spoke with my bank on Friday, I was advised that I could not get them to do a chargeback against Nuttalls as I paid them by bank transfer and not on…
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Bank Lost All Personal Data Twice for Application
Hi Just wondering if anyone can help. We have made two applications to a Bank, one on-line and then one paper application to open a business account. We handed into the branch along with the Application, two passport details, two drivers licences, bank statements, Company documents, utility bills etc etc. They have lost…
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"maximum advance premium"
when we took out our first mortgage in 2003 we were told we had to pay a maximum advance premium which was added to our mortgage. this we were told was to cover the banks risk as they were gambling on us as we were having a 100% mortgage. we were never advised if this was optional and with all the talk of ppi are unsure if…
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pre 2005 credit agreements
I have read on the net that some credit agreements made before 2005 are not legitimate and therefore any money owing against the agreement can be reclaimed. I contacted a company who are dealing with my PPI and they said this is right if you have more than £2500 owing on the card you can reclaim the full amount currently…
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Carphone warehouse. Husband been paying policy unknowingly for 10 years
Hi, I'd appreciate some advice from some of you who may be a bit more savy then me. My husband realised he's been idiotically paying mobile phone insurance on an old handset for 10 years at 85 pound a year. (had cancelled thecontract and policy and never noticed it on his bank statement.... foolish man! ;) ) He cancelled…
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Unjustified Bailiff fees
Hi New on the forums, don't know if I'm in the right section or if anyone can advice. I had outstanding council tax arrears which I was paying off with Equita at £200 a month. I missed an installment and the case was passed onto one of their field agents(bailiff) At the time remaining balance was £979.95 I didnt receive…
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Mortgage PPI
I recently received a letter from the lender that i had my mortgage with to say that my DD had been declined. Well I had cancelled the DD when I saw that I was still paying as I hadn't had a mortgage with them for 2 years. On reading the letter I phoned them up asking them what the DD was for as I had not had a mortgage…
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central trust ppi
Hi All I have completed a do it yourself claim to central trust using the template suplied by Martins web site and sent it off, The loan was a secured loan with PPI , LIFE,ACCIDENT INSURANCE when we took the loan we were originally with first plus and needed a top up when I called fisrt plus for the top up they passed me…
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desperately need help and advice on MCOL?
Hello all, Im new here and would really love some help please! my partner is self employed and is owed money by a previous employer. the money is from april this year. we have been in contact many times with the boss of the company and he just keeps saying,whenever he gets the money he will pay my partner.he owes him £1680…
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Skillstrain fees how can I reclaim
Beginning of 2005 I accepted a Salesman for Skillstrain into my house and being unemployed I jumped at the chance to do a course to gain my MCSE over a period of time (3 years). I said at the time I was unsure with being unemployed and the course costing three thousand pounds. He assured me that payments were 75 pound per…