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makeitbetter

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About makeitbetter

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  1. Anyone got the address for Citi please also had a loan with Associates and was told could not have it unless took out PPI and it was a high percentage
  2. Hi yes as they refused us on they grounds of online I have since watched that money expert program and he sy we should go back again, so this is what we are doing as we just accepted what had been said. So I was looking for some kind of wording which the couldnt get out of
  3. Hello about 4 years ago and I filled out one of those forms from Which online questionnaires which I think is similar to the FOS Can I also add that even online I looked up what ppi was as I wouldnt have known and they info given online would have advised the same thing as if they were there
  4. Hi it was Barclays and it was a credit card If I send in for this again any advice how I should word it as I was going to say the same terms apply online as it does face to face as literature still the same and will have been explained online
  5. If you put an application online surely the same info is given to get you to tick that particular area of a form yet one of the big banks is saying that they dont have to pay anything as it was completed online. Can someone let us know if this is true. You can be misled online as well as person to person dont you think
  6. Advise how to phrase complaint to ombudsman We took out a mortgage in 1986 for 23 years. the bank has changed the years as time has gone on from 2009 to 2011, 2012 and 10 months, 2013 and 10 months. Everything has been calculated using 2009 and we were continually charged higher and higher monthly payments. The endowment finished in 2011 and so they say now did the mortgage and I made a lump sum to pay off the arrears they say we owed in 2011. All these years they have been adding charges and raising the payments. They sent us something saying they would be adding on £3000 for something (looking for letter now) All the paperwork has different years on and we fell into arrears due to these high payments (borrowed 28995 endowment) and 20,000 in 2003. We have been charged to pay £615 each month. We have regularly written and informed them that they had made mistakes but they are not having it. solicitors took us to court in 2007 and also stated that it was 23 years and was due to finish in 2009 and they have also signed it to say so indicating that they had access to They are saying it wasnt 23 years and have skimmed over the different years and seem to have sent us some papers with what they think are the same years but when you look closely some of years are different. Nothing is right I think that when recalculating each year to determine our next years payments they calculate, I don't know what they calculate in looking at the remaining years We are looking at the recalculations and the bank charges, may do bank charges as separate claim. So if someone can give me some kind of draft which wont confuse as I think confusion assists in knocking people back thanks No one responding though
  7. We took out a mortgage in 1986 for 23 years. the bank has changed the years as time has gone on from 2009 to 2011, 2012 and 10 months, 2013 and 10 months. Everything has been calculated using 2009 and we were continually charged higher and higher monthly payments. The endowment finished in 2011 and so they say now did the mortgage and I made a lump sum to pay off the arrears they say we owed in 2011. All these years they have been adding charges and raising the payments. They sent us something saying they would be adding on £3000 for something (looking for letter now) All the paperwork has different years on and we fell into arrears due to these high payments (borrowed 28995 endowment) and 20,000 in 2003. We have been charged to pay £615 each month. We have regularly written and informed them that they had made mistakes but they are not having it. solicitors took us to court in 2007 and also stated that it was 23 years and was due to finish in 2009 and they have also signed it to say so indicating that they had access to They are saying it wasnt 23 years and have skimmed over the different years and seem to have sent us some papers with what they think are the same years but when you look closely some of years are different. Nothing is right I think that when recalculating each year to determine our next years payments they calculate, I don't know what they calculate in looking at the remaining years We are looking at the recalculations and the bank charges, may do bank charges as separate claim. So if someone can give me some kind of draft which wont confuse as I think confusion assists in knocking people back thanks
  8. Just to say we have already asked for the financial info and they keep sending those complicated sheets but i have kept them all.
  9. Hello we have an update and need some help. Previously we had got behind and they took us to court, due to this forum we were able to stop any further action. We had continously complained about inflated charges to our account as we had only borrowed 20,000 (1986) covered endowment 7500 (endowment) then in 2003 borrowed 20,000 house improvements. When thy had taken us to court information stated our mortgage was due to finish in 2009. so they will have calculated all at this figure and any shortfall etc. We know that this was true as they sent letters asking us how we intend paying the mortgage as the endowment was due in 2011. We then informed them that this was not the case and the mortgage was not due until after the endowment. we then again informed them that they were overcharging us as we had been asked to pay over £550 per month increased to over £600 per month in 2009. we then got another letter saying that we had to pay £660 in 2011 Feb. After some time of written complaints they have lately said that they calculator shortfalls etc and the house payments have been calculated over 25 years. Our mortgage is over 23 years as we had transfered! we also are not due to finish until 2012 October. each time we had talked to them they adjusted letters to equal the years said, but we have letters to the contrary. We have now been that our mortgage payments owed are now around £4800 which they say we are in arrears. we have been paying but have been unable to meet the £660 they had asked. We aso know that this is because they had calculted the mortgage to finish in 2011. To top this they now suddenly say we owe them over £3000 for some kind of charge. I have looked all over for this and have never been informed that we would incur any extra charges. they have said verbally that this is as far as they are going and we can go to the ombudsman. today my partner has received a phone call from their solicitor saying they have been instructed to go for possession for the house. I will not speak to them and intend writing tomorrow instead. I really need advice on this as charges have been added in leaps and bounds and I have no way of fighting as I see it. we are feeling stressed agin about this and would appreciate some urgent advise please!!!
  10. can someone please advise us on this. halifax gives mortgage 1986 as time goes on writes to ask us how we are going to pay shortfall as endowment due to finish 2 years after. charges are ongoing. We inform them that endowment supposed to finish 2 years previous. Charges keep coming. high repayments go to court solicitor says mortgage due 2009 (states figures) but we are not due until 2012. caught up at that time with our higher payments. time goes on now say mortgage due 2011 when endowment ends calculates shortfall adding more charges. Remember mortgage not ending until 2012 confronts Halifax as only owing about £4000 now but now saying we are £4000 in arrears (dont knwo what is happening as figure going up all the time we are making payments but cannot now meet this higher payment and as due end of 2012 not 2011 we are wondering how we can be £4000 in arrears. When confronted on phone starts to try and talk about shortfalls of payments calculations I then say but not due until end of 2012 and you have been overcharging, everything goes quiet then comes back and says has allowed for that (clear lie) as the £4000 would be due next year but they had really changed the year on two occasions 2009 and 2011 and this would have created large charges. now they are also charging an extra £3000 for some additional charge. I need to challenge this quickly and need advice. We are prepared now to go to ombudsman as not getting anywhere. We had written over the years and we have only just now found out how much this additional charge is as they never informed us. can someone assist us on a way forward I cannot calculate at this time how much additional charges are
  11. We put in a complaint to FOS regarding breach of contract by Scottish life who did not want to pay the dividends bonuses etc on our account due this year. We paid by direct debit through the bank, they received money. kept writing saying closing account through arrears, then when challenged said found money but it was attached to another account. Happened 3 times as sent back cheque for full amount which they say they never had adn closed account 3 times as paid up. The last time said all our fault as in arrears. Got cheque back again for arrears amount which they 'found' in their account, but it is our fault because we did not sign a compensation for 3 payments (sent to wrong address) but we had paid the 3 months up front whilst sorted out. Final letter said it is our fault computer messed up and closing our endowment. Went to Fos adj backed them saying we messed up their system and company said could not ind any money paid for the 3 months. Luckily had copy of cheque. On appeal then said received but our fault as went into pot of company and did not know they had it. even though they advised us which bank to put it in (paid 3 months into their account cash) and what to write on it. We were fed up and stressed as due this year. We have lately gone to solicitors for advise and they say that the contract has been breached by the company and these type of companies will try and wriggle out of paying if they can and rely on people not have copies of things like cheques and letters. Sent letter back now to company asking for payment or going to sue for breach of contract. Also asked for FOS to forward to ombudsman as only adj dealt with appeal. Has anyone got an endowment policy with Scottish life /royal and missed one or two payments and did it still remain with you and not get allocated somewhere else and your account closed. W:?:e need someone to just add weight to argument thanks
  12. Ombudsman and royal/scottish life We had put a complaint in to the FOS about how we have been treated by Scottish life/Royal. We had been making payment through direct debit and they have been drawing them. We are due to get our money next year and suddenly they are saying you are in arrears and sending cheques back, then apologise as money had gone somewhere else in the company instead of to our account. Happened three times, each time we have had to chase up the third time they said it was our fault that it had gone astray in the company. The second time they said that we were short, discussions were had and money paid by into account whilst it was getting sorted, as we could not afford to get behind. We think that they did not expect us to have kept all info. We appealed and they came out with 'it is our fault computer didn't record properly as we had not paid'. Argument by both bank and now Ombudsman is that they had offered some 3 months credit to account as compensation in 2nd instance and we had taken too long to accept. But we had paid extra money in to ensure that we were not behind and this had been done in conjunction with themselves and in cash into their own bank (Bank of Scotland) They had confirmed they had received it, this is the way they had suggested until it got sorted out. The waiver was then allocated to 3 months we had already paid making it look as though we had missed three months. (we later asked for payment details from the company and from the bank) We thought nothing of it as we knew that our payments and the 3 months waiver (compensation money) they had offered had been attached as they had accepted our signing and acceptance (letter said reinstating) and account started again made payments and it went ok, again months later get cheque covering about 4 months payments (had been paying it monthly direct debit) but they had closed account once again saying money had not been paid, but what had happened is that money went somewhere else within the company again. Had said money was getting attached to the wrong account, which resulted in our account looking unpaid. Then went to FOS with complaint as we need reinstating as money due next year. I put everything very clearly in order with details of all payments backed up with letters where they had originally said sorry admitting computer problems, letters after bank details of payments which showed all payments had been made and copy of the extra payment (copy of cash receipt) to bring back in line the first time. I receive a letter from FOS which had 5 lines about our points and then 2 and a half pages pointing out that because we didnt accept the 3 months compensation quick enough it caused them the problems. This is even though we had made the extra payment in discussions with company who then said everything was now fine the acceptance came later which was accepted in a letter. How it goes when reinstated for the first 2 months money goes in okay then goes adrift. FOS said that they accepted what the company had said and did not uphold our case even though everything was there and it was plain to see that due to inefficiencies of the company somethings had gone wrong with allocating payments to our account from the direct debits taken. We feel so let down, as I know I had everything to back all up what we had said and I know that Scottish life/royal didnt have a leg to stand on. I phoned the FOS person and she said if there is anything wrong with what she has said we should write her before the 15th Nov. UPDATE We appealed to FOS and sent additional info and thought we would at last get a fair 'shake' but no, even though the company at last say that had received the cash payment (which they previously didnt) The FOS now say that the company received the money but it went into a big pot and it is our fault and they have no record of our calls. Shows how important it is to photocopy everything you have or get. We now wish to claim for all the money we will be due this year plus compensation as time is running out. Can someone assist us in this? Can someone also shed light on why the money may have gone astray as when it happened the second time we were set to call the police in. How can someone say I can see it on the screen and it shows your account is up to date then say the money has gone elswhere? So can anyone give us advise on going to court THANK YOU We are worried
  13. Sorry it is the FOS. There is an update, we went to apeal and provided more evidence which pointed out that, the 'waiver should have covered the three months and they had mislaid an earlier payment. Everything had rested on this cash payment we had made in order to keep it in order even though they had not fixed it yet. Phone call made telling us to pay cash into Bank of Scotland, this was done and phone calls made to confirm it was received as it was their bank and cash helped it to go through at a faster pace. I so wish we had taped things as they had said 'we can see your payments and it is up to date but we dont know what is going wrong' The FSA dropped the previous argument and still backed them by saying that the company had now found the cash payment but it was still our fault as they had no record of us telephoning them and the money had gone elsewhere. this is despite the fact that it had been paid we had taken names and dates and times when calls were made. As this was yet another payment which had gone 'adrift' even though they had at the time confirmed it had been received. My argument is soley that they had been receiving the money, we had made calls the bank payments had been agreed and the waiver they had attached to account had been attached to three months which had already been paid and they had made it look as if the following three months had not been paid showing an arrears. I dont think they have a leg to stand on but the FOS has said because they dont have record of calls it is not their fault but ours. So we now know that the FOS ask us for more proof, we come up with it and they just seem to work with the company to supply what to me seems flimsy excuses, when we have provided substantial proof that the money went to the company and they knew about it as were always having to phone and go mad as it happened 3 times!! so can we now go to court with these people as we went to appeal. what do we have to do and we could do with advise as we are now not covered for death and we are due to be paid out this year.
  14. Hello is there any point going past the adjudicator as it is the same place and this woman did not do her work and this will be stretched on and on through anyone else there. If I could say we would be repossessed next year so hurry up then I may have tried this approach but I ma depending on the lazy woman to accelerate it to the ombudsman
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