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Broker fee
Hi, new to the forums so bear with me. We used a financial advise service for rearranging our mortgage. We advised the broker that we had limited funds as my wife was onmaternity leave. We agreed fromthe outset we did not want incurr any fees we had to pay directly, everything would be added to the motgage. We have just…
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Council Tax
Mygrown up son of has been working in Dubai for the last 3 years, he owns his own flat which he contiues to pay council tax less 25% for 1 person, as it is still funished and a few odds things of his in. It has been left empty as he was not sure how long the job would last, 6 months ago he let a friend stay there while…
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beaumont finance
i am trying to find information on beaumont finance ..i set up a standing order with them in the year 2000 and forgot all about it and what it relates to, i have put the standing order on hold and have not being contacted , by beaumont finance..the bank thru which it is payed is the royal bank of scotland ,and will not…
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Conned out of £5,000
A financial adviser introduced me to his friend who appeared to be offering a good property to sell. I was asked to put down £5000.00 or loose the sale. As I understand it that sum 'secured' my right to buy. The financial advisor then could not sort me out a mortgage and now the owner says my deposit was not refundable. I…
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Council Tax Reclaim and Extensions
Hi, There are a mix of houses in my street. Several '4 bed + garage' semis, several '3 bed + garage' semis and 3 small rows of '3 bed no garage' terraces. I live in one of the terraces. I have just checked the banks online and nearly all of the houses in the street are on bank C except on of the rows of terraces which are…
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Mortgage Broker/Paperwork
If a mortgage is arranged through a broker, should they have all the paperwork relating to the sale? AWD say they do not have any of it and that I should write to the solicitors and ask them.
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Mortgage arrears need Crucial advice
Currently in a position with a Mortgage company where we have supplied a income and expenditure form, and awaiting feedback. Yesterday contacted them to find out,how much longer we would need to wait for a response (we hoping to change mortgage to interest only from repayment), the lady made it seem an impossible request.…
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Lost Premium Bonds
Many years ago when my parents split up, I remember my mum saying that my dad had taken her Premium Bonds when he left. I was discussing Bonds recently and mentioned that this had happened when I was a teenager. Since this incident my mother has since died and her estate split between myself and my sister. I have now been…
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claiming tax relief on tools for job
Hi im new to this site and im not sure if im on the right section of the forum for this but i wanted to ask the question wether or not i am entitled to claim back expenses on tools i need to buy for my job and how i go about doing it? I am a full time mechanic and dont get supplied tools by my boss and have therefore spent…
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reclaiming RAC fees just after cooling off period
Hi, We didn't realise that our renewal date had come up for our RAC membership, and somehow their renewal documents didn't arrive. The upshot of this is that they took £141.30 out of my wife's credit card without us realising until we looked through the accounts last night, which is almost twice what we paid last year. We…
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Company doing PPI for me
Good evening everyone, First of all apologies if I have posted this in the wrong forum, there is so many on this site I was a bit unsure. I'm looking for some advice really. About a year ago, after being made redundant and falling behind on mortgage payments I applied for a loan via YES Loans( I know!!!) They directed me…
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"maximum advance payment" and SMA on mortgage
I was wondering if anyone can help me. I am clearing through paperwork and found an old Nationwide mortgage. I was looking at it mainly thinking about exit fees. I noticed a "scheme for Maximum Advance Payment" at £35.38 was included on the 1st payment, and then monthly listed as SMA. Does anyone know what this this? I was…
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Bank paid loan company 5 times
Hi people. This month my girl friend got paid. She toke out a personel loan about 3 years ago to buy a new car. This months payment to the company was sent out of the account 5 times when it should have been once. She spoke to the bank all day. At the end, they finally admitted there was a computer error of some sort and…
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Missing Card Refund
Hi all, A couple of months ago (April infact!) I ordered 3 tickets to a local rugby match which, when they arrived, were for the wrong area (seating tickets, when I asked for standing). I went to the club and they changed the tickets, charging me for the new tickets and doing three refunds for the previous three tickets.…
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mr.malley
had 13 fraudulant transactions on a joint bank account with my wife totalling 3,740 pound.no cards lost or stolen and in our possession at all times.because they are chip n pin cards the bank are adamant they cant be cloned.the police have cctv of a stranger taking money out of our account but the bank refuse to request it…
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Accident insurance
Claiming money back for miss sold insurance, does this include cover for when you are off work following an accident? Had some insurance with lloyds/Scotish Widows for about 4 years but may not have been valid as I am self employed. Regards JD
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Barclays have transferred my ISA to my current account.
Recently at a meeting about another matter I was advised by the Barclays adviser to merge my two ISAs (from about 2006-8) together into ISA with the higher interest rate. I noticed a few days later that the sum had been transferred into my current account. The next day I got a letter from Barclays saying that they had been…
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Santander
hey everybody, hope your all well. i have a finance agreement for a car through Santander and have accumulated a few late payment charges. they seem to charge £25 per missed payment, can i claim it back as it is over £12? and if so should i follow the bank charges reclaim guide? also they charge £25 just to change the…
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Hit with massive credit card fee for my own money
I bank with first direct. And I like the odd flutter on the gee gees. (horses) wow for once I had a win so I withdrew the money. Well i use the credit card to pay the bookie its not been a problem I pay the card off from my current account straight away and I never spend more than 20 quid or so anyway. Until I actually won…
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bank mismanagement?
We can claim for ppi and credit card misselling but has anyone been able to get redress from their bank for wrong advice on investment. I was encouraged to put my pension pot (small amount) into a scottish widows cautious investment bond by a lloydstsb financial advisor. I required a monthly income to add to a reduced…