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About Sandyjmc

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  1. Yorkshire bank advised me that my settlement was scheduled for CHAPS payment on Tuesday this week, it still hasn't gone in. All the helpline can tell me is that it was scheduled for Tuesday but can take 5-7 days to reach my bank. I was under the impression that CHAPS is a same day payment. Has anyone else had experience of this? Does anyone know any more about Yorkshire Banks settlement processes?
  2. I recently attempted to reclaim fees on our redeemed mortgage which was redeemed in October 2014. The fees charged to our account over 7 years amounted to £9550. After taking over two months to respond, as I expected, Acenden have refused to refund any fees, they consider the fees they have charged to be fair. Where do I go from here? Some forums say the ombudsman and some forums say the small claims court? Any advice will be greatly appreciated.
  3. Hello, in 2004 we took out a loan with Welcome Finance. This has now been repaid in full. Now things are paid off I'm looking into re-claiming fees and charges etc. On the day we took out the loan, the salesman was in a hurry as it was nearing the end of the month and insisted the loan was signed off that day due to it being the end of the month. I realise this was probably for his end of month targets maybe. My husband was unable to leave his place of work that day so we tried to make the signing appointment for the next day however the salesman needed it all signing that day. In desperation the salesman asked if I could take the paperwork to my husband to sign, as if we didn't do it that day, we may not have the loan approved. I took the paperwork to my husband to sign. I then took the paperwork back to the office and the loan was granted. As we were consolidating an existing unsecured loan with Welcome I assumed the loan was unsecured, but we found out a month later it was a secured loan. During the course of the loan we successfully reclaimed the PPI as we were unaware that this had also been added. This reduced the balance significantly which enabled us to finally repay the loan and get rid of the debt. I am just wondering whether I would be able to question the validity of the overall loan, have researched this on the internet but getting lots of conflicting information. Does anyone out there know if this would be a possibility and if so where do I start? Thanks for reading!
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