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Posts posted by meerkatsmimm

  1. 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.



  2. 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 :)

  3. 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....


  4. yes the purchaser is entitled to a full refund - that is not in dispute i don't think, but by the original purchase method, and if the terms of the card state that funds credited get allocated in a certain way then that is what she has agreed to. argos do not have to give cash back when the purchase was made by store card....


    argos are within their rights to send the item off to get it repaired but they are offering and exchange/refund therefore complying to the law.


    what i would suggest is that the purchaser request a gift card to spend in store on something else or exchange for another item.

  5. hi,


    is she looking to purchase another brand/item or simply a refund - fullstop.


    if she is looking a refund they are within their rights to pay back onto the card as that was her original method of payment. Alternatively she should be able to ask for a gift card giving her store credit.


    however if your mother is able to get the value of the fryer from your brother in cash then it may just be simpler to get the refund to her card against the existing debt and getting the cash from your brother.


    argos are within their rights to place the refund back to the account, however i'm not sure if they are able to insist it goes against the interest free agreement she has in place - you may find in the small print that she has agreed to terms that mean the money gets allocated in a certain way when it is credited to the account - in a similar fashion to CC that use repayments to pay of the lower interest debts first etc etc


    hope she gets its sorted though... xxx

  6. Hi everyone,


    Very curious about this because the amount owed is in excess of £6K, which is an enormous amount of money to us and would help with other bills we need to pay now.


    Hillisden finally admitted after 12 months of fobbing me off that they cannot find any original agreement due to the age of the account.


    Around 18 months ago, while my account was in dispute with MBNA, I sent a claim in for PPI reclaim due to it being mis-sold. It was challenged at the time by MBNA and went no further.


    However, if they have no paperwork to back up this so-called account, how can they prove that I did agree to this?


    Given that Hillisden has now said they cannot enforce the account due to the lack of information, am I now able to challenge them once again on this PPi issue?


    What is the best practice for doing so as things have changed so much since I last applied to MBNA for my claim?


    Lots of love and thanks,


    Meerkat xx

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