Thanks, hope so, i know they pay post jan 2005 hope they pay creditors as well.

Hi i have contacted London Scottish about ppi and have just had a reply off them to confirm that they owe me £427 from before they went into administration and as it is from before jan 2005 i am one of there creditors. My question is will i get paid or will i be on a long list of creditors and recieve payments in dribs and drabs if any ? Any help would be appreciated.

Hi guys hope one of you guys can help, i bought my house 3 years ago of a housing association just befor we purchased the house new insulation was fitted in the loft (by the association) i have just been in the loft (only the second time in ten years) and it has condensation really bad it has caused alot of damadge to the roof. Just had a roofer out to see what the problem is he has said that the insulation has been forced down into the eves stopping the loft from breathing causing the condensation. My question is two fold one can i claim on my building insurance and two are the housing association in any way resposible for the repairs. Thanks in advance.

Hi guys hoping somebody could help my situation is as follows bought house on a right to buy 3.5 years ago got a mortgage from the leeds bs for the purchase price 51k and also took out a second mortgage with sppl (now mortgage 08 for 22k. Both of these are at high interest rates with the one from the leeds having just come out of a 3 year fixed rate and going up, the one from sppl has gone down but is still at a very silly rate. I am hoping that you guys will be able to tell me how i can remortgage i have a few late payments to loans and a catalogue that have been payed up to date and on time, i have no ccjs ect but cant seem to be able to get a desent rate and combine the two loans before the interest rates go up. What is the score with sub prime if that is what i am but with just a few late payments is it really that hard to get a mortgage (house valued at 89k owing 71k).Never missed a payment to either mortgage.May have posted in the wrong place.

Hi guys hoping somebody could help my situation is as follows bought house on a right to buy 3.5 years ago got a mortgage from the leeds bs for the purchase price 51k and also took out a second mortgage with sppl (now mortgage 08 for 22k. Both of these are at high interest rates with the one from the leeds having just come out of a 3 year fixed rate and going up, the one from sppl has gone down but is still at a very silly rate. I am hoping that you guys will be able to tell me how i can remortgage i have a few late payments to loans and a catalogue that have been payed up to date and on time, i have no ccjs ect but cant seem to be able to get a desent rate and combine the two loans before the interest rates go up. What is the score with sub prime if that is what i am but with just a few late payments is it really that hard to get a mortgage (house valued at 89k owing 71k).Never missed a payment to either mortgage.

Thanks for the reply you where spot on insurance company increased premium by £60 and are in the process of completing the claim, thanks again.

Hi guys hope sombody can help i was involved in a RTA last week all was well but car was wrote off and insurance company offered a fare price. When i excepted there offer the guy asked me if i had any points to which i said no. After the phone call my wife said i did have points, i had forgot all about them 3 points for speeding 3 years 7 months ago and i had not told my insurance company about them as i had totally forgot. I rang them straight away and confessed all,they have said not to worry it will go to there underwriters and i may have to pay any increased premiums i should have paid. Can they stop my claim my car was hit from behind while stopped at a roundabout not my fault but if my insurance is void what will happen . Iam very worried as i need my car for work,

Hi cant remember the name of the company it was the fos that told me the name and i believe the fact of action by them was a contributing factor in them changing there mind so quickly give them a ring and then ring homeserve and tell them what is happening and you would like them to look at your claim again hope this helps.

Hi just found this site where you can make a xmas message from santa for the kids or even an adult its totally free and safe and requirers no bank details ect just an email address. Its a great personilised message and you can watch it again and again. www.portablenorthpole.tv hope you enjoy.

We all know this is politically motivated we all need to email write or phone our mps and put the pressure on them .I am sure the party that supports our claims would gain the support of the majority of the nation and would win the next election but if a party refuses to look at this then they would not get my vote. This needs to be made into a major election pledge by one or all of the major parties and these bloody thievies stopped from robbing us.

Hi just to update 24 hours after calling Homeserve i recieved a letter off them offering a voucher for £799 or £399 cash job done.

Thanks tried CD no luck but did give me the number for the fos and they have taken up the case and given me a lot of help.

Hi guys hope somebody can help, right bought suite from land of leather 2 years 6 months ago the cushions on the arms have come away in the front corners it is on the 2 seater and both sides recline. When the suite was bought we also perchased silver insurance which covers accdental damage as well as defective workmanship and or faulty materials, this is run by Homeserve, when we tried to claim they said that it is the type of material used and they are putting it down to wear and tear,what is my next step. Hope i have placed this in the right forum thanks all.

Yes he was driving passed police car when the car in front braked as he did the police noticed he had a brake light out. While i am back on can i just say thanks to everyone for there input and to 68904 he does realise how daft he has been and is normally the one shouting out what you have been saying he was trying to help his wife as she could not get out and it was only 500 yrds still no excuses.

Thanks dont think it has long to go year or so but will give them a ring and see what happens. Does anyone know about the arrangment to pay senario i.e. good or bad.

Hi all need some advise, is it possible to get defaults removed from my credit file, it was a car loan about 9 years ago i defaulted about 5 years ago and payed it off about 3 years ago but it is still on my credit file as a default. Does the 6 year rule start from the date of the credit agreement or the default or when it was payed off. number 2 is i missed a payment on a loan while off sick, i rang the company and agreed to increase my payments to cover the missing payment and have left the payments increased to finish the loan quicker the loan in question has not been rewriten but on my credit file it says arrangment to pay is this a bad thing and when it is payed off how will it come across.

Hi guys posting this on behalf of a friend, he took his wifes car for petrol and was stopped by police he only has a provisional licence and was not on her insurance. The car was impounded, she has it back now, he has no other offences but he is really worried what will happen. He realises how stupid he has been especially as he can drive and would of passed his test no problems. So what is the worst and the best he can expect. many thanks.

Hi all hope somebody can help, my wife has just had charges taken out of her account this has put her overdrawn again and Abbey have said that she will be charged again next month for being overdrawn. My question is can she be charged when they have taken her overdrawn if they can we will have to wait for the oft case and claim them back. But if anyone knows it would be a help thanks all.

Thanks will follow closley.

Hi all can anyone please help, my issue is with Kays over late payment charges. I have just noticed on my statement a £12 late payment charge, after a conversation with them they have told me that the payments are to be made every 4 weeks and not once a month. This means that because I pay monthly I will recieve a charge every month or have to pay 2 months every now and again. I have asked to freeze the account and been told that i cant as there is a outstanding balance they have also said that if i set up a dd that will vary as well. So the position I am in is that for the next 10 months i will recieve approx £134 in charges. I have signed a credit agreement and i suppose it is my own fault for not reading it properly but are these charges fair and can I claim them back as i have asked them for help and been told there is nothing they can do?

Thanks do not know what they will offer but cant carry on watching 19in portable lol.

Can anyone help please I have had an accident with my 42in lcd tv (well my son did long story) anyway, my insurance company have had it examined and have said it is not worth repairing. I paid £1200 for it 2 years ago but as the prices have dropped considerably if i am made an offer of a replacement and feel i would get a better deal on the high street where do i stand asking for the cash instead as i am sure there will be better bagins to be had that may even save them money.

Do now:) (bit slow) but having been on the recieving end want people to know there could be a price.

Can do according to my GP but only have first hand experiance of Zyban but again how much is to do with giving up the fags and how much is to do with the drug is not for me to say but try this link FDA to review Champix/Chantix side effects .

Hi can anyone please tell me where we are up to with regards the court case against the banks. I was due in court the day everything was put on hold and have only just realised that i have no idea what is happening or what i can do next. thanks in advance.