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meerkatsmimm last won the day on March 3 2011

meerkatsmimm had the most liked content!


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  1. Thanks BF, your words are helpful and as much as I expected tbh. I think we will send a letter off to NW to start the ball rolling so to speak - we have nothing to loose at this stage and everything to gain! Who would you suggest as being the best department/address to direct this letter to? Thanks.
  2. Hello Everyone, This is a piece of advise for my mother who is currently going through lots of old paperwork. Back in 1990, she and my grandfather bought a house between them, both named on the mortgage with the Nationwide. Both her income and his pensions (he was 70 at the time) were used to get the mortgage. Both had to have Decreasing Term Mortgage insurance linked to the property in the event of either of them dying as it would clear the mortgage. In 1992 my grandfather died and whilst dealing with his affairs, my mother (and I as a teenager) visited our local NW branch where we were told that the mortgage would be cleared in full due to his death. The amount at the time was circa £20000. This was a Friday afternoon and I clearly remember how relieved my mother was as this was a huge pressure lifted off her mind. Our home was secure. We had been asked to return on the Monday morning following which we did. On arrival my mother was taken aside and apologised to by a senior member of staff. There had been a mistake. Due to my Grandfathers age (72) the insurance would not pay out as he was not covered. The premiums were up to date and like I said the policy was sold less than 2 years previously. Apparently he should never have been sold the insurance policy due to his age at the time of taking out the mortgage. My mother was very upset and the member of staff apologised again stating that due to the mistake, the NW would refund the policy payments made. It was a few hundred pounds and no where near the £20000 she was expecting to be getting paid out that day. And that was that. Back then with no internet and my mum was a lay person, she took what the NW said at face value. She was a long standing customer 15+ years at the time and trusted the staff to know what they were saying - even though they had messed things up big style when selling the policy alongside the mortgage less than two years previous. Ive tried looking online but to little avail as this seems quite a rare instance nowadays. Can anyone advise as to the best way to try and gain some redress with this issue please? I think it was handled appallingly and NW should have swallowed the mistake back then. Thanks.
  3. can anyone help? I'm so stressed about this and its the last thing I neen with a new little meerkat less than 2 months away
  4. as the title suggests - requested i smart to work on our behalf with future mortgages, futures mortgages rejected the claim stating it need to be made through the broker, loans.co.uk. I smart then scribbled out future mortgages on the documents and wrote loans.co.uk on them in order to make a claim to them for the ppi. Meanwhile they contacted us to say that they couldn't move forward with the claim without further reference numbers which i didn't have but if i found the reference number then to just contact them and they would reopen my claim. I have since contacted loans.co.uk myself and asked for the ppi claim to be settled to me and they have made me an offer - ismart are claiming their 30% as per contracted. Surely the paperwork they have, and the fact they altered it, and then backed out of the contract means they have no legal right to ask for this money? Help
  5. hi, i'm not the person to give you the info you need but just wanted to say 'hi' and 'welcome' and to let you know that you have come to the right place. someone will be along shortly to help i'm sure xx
  6. his reply says it all - terrible preying on people like that....no doubt the 'faulty' machine isn't faulty at all.....programmed like that...
  7. right - i'm now confused.... how are they able to show him cctv coverage on a sunday when the costs go up, but cannot access it today? i could understand if tomorrow were monday and the reason somehow was that there was only access during office hours. was it a council or private run car park? is it worth getting the police involved to try to get things resolved - your son has a witness to state how much he paid - you could argue surely that his car has been illegally removed? i'm just throwing out there what i would do myself btw and it is by no means an answer..... seems a bit threatening....pay £175 today, or wait til you can see the cctv tomorrow when the cost will be £275 - extortion springs to mind - i'd get the police involved if only to help access to the cctv footage.... xx
  8. when was the original agreement taken out? do you have the item that you purchased? i'd say don't hastily sign anything and send it back just yet...
  9. has he any way of proving how much he put in - are they able to allow him access to the car to retrieve the window sticker to see how much money the ticket is stating he paid? i'm not sure where he stands but that does seem a little excessive - towing the car - why not leave a fixed penalty notice? hope this gets sorted soon xx
  10. ......of to find some paper and to power up the printer..... we have been a 'little' unorganised of late but i'm almost sure that they have continued to write to me requesting payment..... thanks citizenB
  11. My ikea/ikano account is showing on my credit file as satisfactory and settled. This has been since may last year. I've not settled or paid the account, so I just wonder how long a court would allow them to have noticed this error if that is what it is. Can they now decide 10 months on that it isn't settled and change that with the CRA's? Xx
  12. stupid question - ikea/ikano have informed cra's that my account has been settle and satifactory since may last year - can they change this and why would they have made this mistake and not noticed by now? mkm xx
  13. could always try for one of those £1 flights....
  14. pity the hospital is 300 miles away lol £10 to view so i'm better just paying the £20.....
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