Can anybody help please? Thanks.

We have a Nationwide mortgage - this is in my husband's name. We started the ball rolling for a transfer of equity - we completed the form and sent it off to Nationwide who promptly cashed the cheque. However, it took a while for their solicitor's to get in touch and during this time we decided we wanted to move house and have put our property on the market. Our mortgage advisor said that there was no point doing the transfer of equity as moving = bigger house = bigger mortgage so my name could be added on the new mortgage application and the transfer of equity at this time is pointless. We have since contacted both Nationwide and the solicitors advising we did not wish to continue with the transfer of equity. We never paid any fees to the solicitors, however paid £150 to Nationwide [in the form of a cheque sent in with the ToE form]. As far as we are concerned Nationwide have done nothing bar receive the form and cash the cheque, but they are saying they are keeping the £150 because they received the form. They won't refund this, from where we are they haven't done anything ie why should they keep the money....what can we do or is this really just £150 lost? Thanks in advance

Thanks. I know what they're for though and when they were incurred, it's only this one, but seeing as I am trying to deal with it I think it's incredibly wrong!

Have an ongoing issue with Welcome Finance. In August 09 they contacted me by telephone to say there was an arrears on the account of one month's payment from Feb 08. At the time I was caring for my Father in Law who was terminally ill so said I couldn't deal with it could they put it in writing and I would contact them. I duly did contact them, and asked again for everything in writing etc as nothing was received. I have contacted them a number of times by phone since August, including beg October by phone requesting everything in writing again. This hadn't arrived so spoke to them at the end of October, and still nothing had been received. Basically I tried to go through it with them once on the phone [i called them] and they couldn't explain how it was affecting me, or this that or the other, and I ended up being confused and then finding there were card charges if I paid it off like that etc hence asking again for it in writing so I can sit and look at it and be clear. Anyway, I've now received a letter saying I am being charged £10 for a telephone call they made to me in mid October. I've called my local office and spoken to my case manager and the manager and said I am not prepared to pay this charge but they've said they won't waive it and it's a justifiable charge. I've asked again for a letter to be sent explaining everything, and a copy to be faxed to me, and apparently they can't email it across. Where do I stand? I'm not happy at all being charged £10 for a call for an issue I am still trying to resolve when they are not communicating with me. I asked the manager how the £10 call is justified and she said call charge, staff time and the fact I haven't made an effort to clear the arrears. I explained the reason I hadn't cleared the arrears was I was still waiting to receive the explanation so I understand how it's affecting me and can consider my options [ie one off payment which I'll struggle with, increased payments, etc] and sort this out. Any advice greatfully received please.... Thanks

Just back! Can you post here or PM info / process please?? Bit frustrated to say the least to have moved and paid extra, and then have building work in "new" hotel - they were replacing the bar windows, which was by the pool, so not so relaxing sunbathing as they "smashed out" the old windows to replace them, amongst other bits and pieces they were doing....

Hi all, thanks for the posts and sorry for such a slow reply - I thought I got email notifications for replies but obviously don't!! We phoned the operator as already stated, they just said they'd do best to minimise noise etc. We wrote and emailed them as well and heard nothing for over a week just a standard automated "we've received your email" reply. On Tuesday [27th] we had a letter dated 14th October advising us of building work going on, guess this was lost in the post or something. Anyway, to cut a long story short we finally find another number to call the tour operator on. They said all they could do was move us to another hotel and we would have to pay for the transfer but they'd knock off admin fees and £100 "as a gesture of good will." We've argued, tried everything, but in the end have paid the extra £130 to move. It's frustrating, not only the ££ when we were never told about it in the first place, but stupid things like we've now got to rebook our seats on the flights etc. If anyone has any advice thanks, but if not thanks for everything so far and fingers crossed we have a good week and good weather!

Yep and we were just told they'd make a request for us to be as far away as poss from the noise which I guess is the easiest solution for them. Thanks for both the replies, we just didn't know what grounds we have, and obv do want to sort before we go!!

This is a pre holiday query rather than the more common post event! We have a holiday booked on 1 November to Tunisia for a week. At the time of booking, there were no "information" messages regarding the hotel or anything on our booking confirmation, Trip Advisor reviews were good, etc. Having checked Trip Advisor this week every complaint is a bad one and they are bad ones in relation to building work that is apparently taking place over 12 hours a day [6 til 6]. Having looked on the tour operators website yesterday, there is now an "information" warning when you go to book the hotel for these dates [it says "building works are ongoing, please contact XXX before booking for more information"]. We've contacted the tour operator who've said there is a new spa and gym being built and room refurbs being done. They'll put a note on the booking to request a room as far away from the noise as possible but from everything we've read, the noise can be heard everywhere within the hotel resort - poolside, beach, etc. Obviously we need to move quickly on this, I think our main concern is we get there and find it's really noisy, do we have a leg to stand on ie requesting another resort? Of course we could be worrying about nothing but having now read lots of travel review sites, it doesn't look good....

Bump Anyone please?

Recently received a letter from Westcot acting on behalf of Playboy TV for £19.99. Might not sound a lot but I know nothing about it and has nothing to do with me! Gave them a call, they said it was in relation to a property at XXXXX. I advised I moved out on XXXX 2007 and it had nothing to do with me. They said that the Sky account had been in my name, they're putting the account on hold and looking into it. I can't find a way of contacting Playboy TV by phone [the number Sky gave me is just engaged] and upon contacting Sky they said the account was closed in March 2008 - this was incorrect as I closed it during 2007 but they didn't close it and kept it open in my name even when they were instructed otherwise [they've advised they stopped the DD but payments were made on a card not in my name and nothing to do with me]. What do I do from here? I presume the first step is to formally write to Westcot advising them this has nothing to do with me. They said they've written to me at my current address as they've contacted Experian and they have it down as a possible forwarding address, but that they "confirm Westcot has not registered any debt against your name or the above address in respect of this matter." What do I do going forward?

can anyone help please?

Not sure if this is the right forum but couldn't figure out where it'd fit! I'm currently looking at issuing a claim against my ex for a loan in joint names. He had 25% of the loan but has not contributed to any repayments. I understand I can only claim for what I have repaid so far and as it has now been a year it seems a sensible time to do it as I can't afford to keep repaying this much! He also has some property of mine, but the main thing was a brand new washer / dryer which was a gift from my parents. Over the past year he has refused to let me collect it and previously he agreed to pay me £150 for it [it was bought for £330 new]. My question is should I claim the agreed value of the washing machine in the same claim or does that confuse things? And is anybody willing to look through my claim please? I've emailed him about 6 times in the last year asking when he'll start to repay me the money and every time I ask I get told I am bullying and threatening him....but I think this is long enough now, he keeps promising next month he'll pay the money and nothing materialises.

yep I know, if people wouldn't mind editing, thanks - it wasn't my real name but a nickname some people did use!

yep it's annoying but there we go!

Thanks a lot Lex, I got a bit of a shock when I logged in and had 7 PMS - but it was just telling me it was done! Thanks a lot again for that, much appreciated