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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…
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Double VAT on car purchase
So before anyone says it I know Iknow I know I should have checked all the paperwork with a fine tooth comb but I was 24 and just purchased my first sports car and got over excited with the moment. Ok So in 2003 I purchased a car from Caffyns PLC a lovely mg TF 135 Their sales receipt lits the total price of 15000 as…
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Redundancy Premium included on mortgage
Hi all. Newbie here. I have recently been looking back through our mortgage related documentation and came across something I'd like to check out. When we took out our mortgage package we took out a Redundancy Insurance. At the time we decided to take out a 7 year policy and the total amount for that policy was then added…
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Small claims court query
Not sure if this is the right place to post, but here goes: Last dec I sold my flat - my boyfriend blackmailed me into covering all costs saying he wouldn't sign unless I paid everything. Is there any way of taking him to small claims court to claim back some of the costs? I have the emails of the conversation where he…
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Small but niggly question on consumer rights..
Hello. This is really small and annoying, but I tried to get Vision express to refund my husbands money and they said its company policy to just offer a discount against anything else in the store, but no refund can be issued. He had started a Direct debit for some contact lenses, but then found he could get the same…
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HELP Virgin Mastercard FRAUD
I purchased a catering trailer online as a investment and made a cash transfer as this was interest fee and the best option for me. Only to find out that this person / business had been hacked into and their identity stolen. My money has gone £2300 and mastercard tell me this is not fraud as i gave the money (cash…
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Barclays fraud - please help!
Hi I’m not going to go into the stress this has caused me but please know that this situation has started to make me ill. I opened up a savings account with Barclays in the beginning of March with £4,000. I never received my card or pin. After a few weeks I phoned Barclays and asked when I would receive them and they told…
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banks.. ggrrrrrrr!!!
Hi all, i'm aware that this could have gone in another subject but thought people in here kno about this thing. today we took a day out to blackpool. its over 100 mile away from home. when getting there we visited tesco to use cash machine. i placed my card in the machine, punched in the pin, amount etc. the machine then…
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In Credit!!
Hi all :D , I have just been checking my credit file when i noticed that our last mortgage company (Southern Pacific) said we were £899 CR!! Does this mean that i can approach them and ask for it back, they have never bothered to try and find us and i am quite shocked at this...appreciate any advice.
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Should we cash our RBS 'goodwill' cheque ?
HI, Just received a cheque this morning from RBS for £250 on the basis that they may have misled us when taking out a previous mortgage approx 5 yrs ago. They claim its a goodwill cheque but now wonder 1) if we cash it does is wipe out any rights to make a further claim? and 2) how would we go about making a claim/working…
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Re-claim money paid into a holiday company bank account
Please could anyone give me some advice as to how I can reclaim money that has been paid to a holiday company twice, I have already involved the Financial Ombudsman and they have confirmed that both payments where transferred into the correct account but Barclays have done nothing wrong as I have asked for the money to be…
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Claiming costs for stress
I was told recently that it might be possible to claim £10.00 per day for stress caused from continued letters from balliffs, collection agencies and solicitors when the situation they refer to is not your fault. Can someone tell me if this is true? I was wrongly accused of defaulting on payments to a mobile phone company…
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Money claim online, any one had success?
Hello Apologies if I have posted this in the wrong place. I am about to start a money claim online to get money back from my husbands relative who basically stole it from us (there is a reason as to why police weren't invovled). My question is: has anyone had any success using this? and if the rule in my favour what action…
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Lost money
Can anyone help my partner paid £3995 into HSBS's automated machines in Lichfield to go into his ISA account, as they have not counter service, this was in November, he later found out that the money had not reached his account? like a fool i knw he never kept his receipt for this transaction, he has been into the bank…
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is this a scam or is it kosher
Hi all On Friday a guy rang me to offer his companies services to me . He first told me to go to his website (i cant remember the company off the top of my head) then he told me to go to this government website and to type this code in which i did and his company name showed up . I think this was to show me ifs a kosher…
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Statute of Limitations on debt collections
Hi People Just wondering if anyone knows what the limitations are of debt collections agencies chasing down people for money. I bought a computer on Hire purchase about 7 or 8 years ago and then defaulted on the payments basically because i was in financial dire straits and had to pay my mortgage first! but the company…