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Bright House reclaim
Sorry if this is in the wrong place, please feel free to move it. I was wondering if late payment charges through a Bright House account can be reclaimed? Thanks
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Income protection plan
I wonder if any one has had this experience and could help me. I was paying into an income plan which covered me or so I was told against non payment of salary or business failure. I then did not receive a salary from my employer and religiously kept paying the premium. I called the insurer to say I was struggling and…
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Help: Miss sold Mortgage Protection
Please forgive my ignorance on some of the below point, however I would appreciate any advice that could be given on the below. I took out a mortgage in 2006 (age 22) on my first property and was given advice from an independent financial advisor, I was told at the time of taking out the Mortgage that I had to had MPPI for…
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Halifax,are they in trouble or is this a standard trick
Hi my mum lives in a small Devon town. She had 100,000 pounds in a fixed rate saver which finished on the 16th of May. She went to the branch in Newton Abbott to ask that this money be transferred to her standard bank account as she wished to invest it elsewhere. The person who dealt with her said that they could not do…
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Equifax
sorry if this is in the wrong place ..... but i need to vent i have just applied for my £2 online statuary credit report from Equifax ... what an absolute NIGHTMARE :mad: do it online its so easy register .. pay £2 .. then .. banner says 'we have your report' but .:eek:. answer some questions so we know who you are…
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Reclaim money banks make during a bank transfer
Was annoyed today after finding out that a transfer of £400 from my santander account to my lloyds account would take 4 days. The reason-becasue they set a limit of £300 and anything over that goes via the slow process "for security" Its clearly a way for the banks to make extra money as we all know. But, has anyone…
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Abbey National-interest only mortgage-info help
I Really, really need some help please....I have an Abbey National interest only mortgage taken out in 2004 with the interest rate over 4.5% above BOE rate. I've trawled the net for info as I honestly believe they cant be justified in charging such an extortionate high rate of interest above the Bank Of England base rate.…
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Claiming un cashed tax credit cheque
Can some one advise child tax credit waste of time!!!! I claimed child tax credit in 2003/2004 (about this time). I was a single working parent with 2 children. Suddenly there was no money being paid into my bank account, I phoned the tax office to be told I had been over paid, they wanted £6,500. I soon found it difficult…
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Telephone calls to banks
Hi - a quick query does anyone know the legal minimum time a bank has to keep records of phone calls from consumers?
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Hire purchase Unexpected charge
I got a car on hp 3 years ago, once I got my v5 a few weeks after having the car I changed my reg to a private one. The garage where I bought the car from where aware of this. My hp was arranged through the garage from where i got the car. Last week I got a letter from my finance company (Fga capital) saying they had been…
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benefits and banks
Hi all I'm a newbie on here so if there has been a post on here about this subject I apologise. My son in law was made redundant and the bank has been taking money out of his benefits to pay his overdraft. I felt this was unfair and looked into it, there is a government ruling stating that banks cannot take any money out…
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Claiming for a broken bone
hey i need a bit of advice i broke my collar bone 1.5yr ago due to a drain on the payment with no cover causing me to get my foot caught and trip and i was advised i might be able to claim tho i done know how to go about this or what to do?
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Mortgage higher lending fee is this PPI?
Hi We took out a Principality mortgage in 2006 and had to pay a "higher lending fee" to Pricipality. Basically we had to pay over £2000 as the mortgage was for 95% of the value. However as this was compulsory and was in effect to cover an insurance does this qualify as mis-sold PPI or other? In their (pricipalities…
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Good Will payment from Halifax
Is it me or am I just being cynical? I have just received a cheque for £55 from Halifax, Why would a bank give me money for nothing. It said in the letter this is a good will payment because their mortgage offer back in 2007 may not have explained certain details as clearly as it could have.(something to do with the cap…
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Help with Mortgage Protection Insurance Problem
Can anyone help! Background: I took a Mortgage Protection Policy out with M&SFS in 2001 for sickness, accident and unemployment - I have the original policy documentation. This policy was then transferred a few years later to Cardif Pinnacle who continued to take the same amount from my bank account up until 2006 when I…
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mis sold mortgage PPI
Can we claim on a old policy. We paid mortgage PPI for many years with TSB when my husband had a mental illness in 1998 we put in a claim on the policy and were told we could not claim it was one of the exclusions on the policy. We were not told about exclusions just that - if because of illness we could not work we needed…
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Trying to reclaim charges from a cancelled?? Orange account
Sorry but I've posted this in two areas in the hope that someone can help Firstly I know we've been stupid for not checking our statement thoroughly for too long but it still doesn't seem right. (sorry it's a bit long but I'll try and explain what happened) We were with Wanadoo for broadband. In Feb 2008 we changed…
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Mis-Sold Endowment - A Slightly Complex One
OK - got a good one for you. We had an Endowment from Legal & General in 1999 and received notice of potential shortfall in 2004. We complained directly to Legal & General regarding this and after some correspondence they rejecting our claim of Mis-Selling in the same year. I have all the documentation relating to this,…
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Trust Property charging arrears twice, are they allowed?
Hi Guys, I pay ground rent to Trust property, I missed one due to my solicitors fault and had to pay arrears. (Basically they had the wrong address so didn't get the invoice until a few months after!) While I was sorting out the mess, they charged me arrears again. This was around the xmas holiday so replies were slow from…
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Santander Taking Benefits
Hi I have been on support allowance from DWP as I have been ill for several months. Santander have said that they are taking £80.00 in charges from my account on the 3rd of june. I only have my benefit money going into this account. Can they take my benefit money to pay their charges. Any help with this would be…