Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE
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  1. 7th January 2009 23:32 #1
    makeitbetter makeitbetter is offline
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    Default Halifax, charges and interest

    I am getting stressed out again I need some help. This society is just putting on money for no reason they have added £1500 onto our endowment interesticon only payment part of mortgageicon written for explaination not given answer back. they are now saying that we have not been given the interest reduction reven though we are on a variable rate. Siad they would phone me back today to explain after they find out why. I am about 1 month behind and they tried to say that was the reason I argued that it is a seperate issue and the endowment is interest only and should have been halved. Nothing is making sence i know we are still on the variable rate so this is not the issue.

    I have also asked why we are paying so much for our loan and why is it not reducing as we took out £20,000 added to mortgageicon 2003 on reducing balance over 9 years. We have been paying a fortune our payment went up to £620 per month even though we only have £28,000(1983) endowment and this £20,000. No-one knows what they are doing and no-one in the branches can explain. they look shocked themselves. What can I do as worried that because we only have a few years left this is being used to raise payments so we fall behind and they try to take our house.

    I knwo that they have overcharged us with payments can anyone out there help us. please please as very worried.

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  2. 14th June 2009 17:09 #2
    thesergeant thesergeant is offline
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    Default Re: Halifax, charges and interest

    You need to get a full and complete mortgageicon statement from them.

    If you do not understand any of the information stated in the statement ask for a full written explanation.

    If still in doubt seek assistance from Citizens Advice.

    Good luck.

    There is no such thing as impossible; only the degree of difficulty required to achieve the desired outcome.
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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE