thanks

received a letter off Aviva the other day to say they've stopped my cover of mortgage life insurance which to be honest I wasn't aware i was still paying the £11.32 a month direct debit? I haven't had a mortgage for at least 4yrs so am i within my rights to claim back the payments I've paid since the mortgage ceased or is it just an error on my part? thanks in advance

like i said in my original post ive spoken to Nationwide and im getting nowhere fast if at all so i just wondered if i have a point? Thanks

No we dont bank with them we went to a financial advisor and he put us forward to them-I didnt agree to anything but i was aware that i would be charged £309 for a valuation but i wasnt aware that it would be carried out that quickly and then we would get turned down for a problem with our financial situation? Surely this matter should have been checked before the valuer was sent out?

in fact its £772,500

My wife and i applied for a mortgage with Nationwide and they sent us a text message the same day saying thankyou for applying for a mortgage with them -They also rang us the same day to see if they could arrange for a Valuer to come out the next day which we were happy for them to do and they then proceeded to take £309 out of our account to pay for this service? About a week later they declined us a mortgage for reasons to do with our Tax Credit forms? Surely this practice should not be allowed? Surely they should check that all the required documentation is in order and then instruct a valuer and charge us? Ive been onto them on the phone but all they say is its in their policies and procedures? If they did this practice to 2500 applicants they would make £618,000 just from turning people down for Mortgages? Any help would be grateful- -Thanks

Right-Claims man from Lloyds Insurance had a meeting with me today and asked me to go over all the damage that was caused by the water leak in 2010-Every time i mentioned the money lost on the sale of my house due to no repairs taking place he sort of dodged this question and kept explaining to me that he was looking at the claim as if it was from day one and as if the claim had been valid and he had called to see me straight after the flood? He told me what i could and couldnt claim for as regards buildings insurance and that he would go away and work out what he thought the settlement should be and he would be in touch in the next 14 days? The things we agreed on are as follows; block paved driveway kitchen cupboards (All inc Hob & Cooker) laminate flooring (even though he stated it wasnt included but he would let me claim for it) cost of re-plastering 2 rooms hire of de-humidifier electrics (cost of re-wiring downstairs) 2 internal doors artex ceiling in kitchen lightings & fittings in kitchen Personally i"d got a bigger list than he had because mine had on it all the above including; loss of sale price kitchen vinyl floor bathroom cushion floor cost of burst pipe repaired decorating skip hire damage to central heating STRESS 4 months mortgage i had to pay as house was un-rentable? I think i"ll wait and see what figure he comes back with and take it from there? I still think ive got a case against the bank for mis-selling me this policy in the first place and maybe i should chase them for some sort of compensation too? Any Thoughts Please Thanks

sent the SAR and all i got back was one page containing my account notes and an attached letter saying they had acknowledged receipt of my £10 cheque? they asked me to complete and return an enclosed form in order for them to locate the information i require but there was no enclosed form? When i rang T Mobile regarding this form i was told i could not be put through to their supervisor as there was not a contact number for them it had to done by e-mail? He said he would send me said form and it would be with me in 3-5 days but no sign of form and its been 7 days now? He said only customer services could send the e-mail and i couldnt e-mail them myself? Getting a bit sick of T Mobile? Any help please--Thanks

thanks for the advice-As for the surveyor Surfer i believe the buyer just fetched a builder with her to assess the damage and give her a price for repairs then she put an offer in

I"m really dubious about signing this settlement form allowing Lloyds to waive my returned premiums and settle my claim as a fresh claim as i think it is another easy cop out on Lloyds part and a cheaper way of fobbing me off? I havent fought this for two & a half years to be brushed aside easily-I"m now thinking i may have 2 cases? One for the voided insurance policy and one against the bank for mis-selling me the policy in the first place? and the big bug bear ive got is with the money i lost on the sale of my house (valued at 109,950 sold as seen after flood at £78,500) which i feel that Lloyds are to blame for as i couldnt afford the repairs on the house after the flood and if they had settled my claim at the time as they are offering to do now then i could have had the repairs done and sold the house nearer the valuation price? Really am un-decided as to how to play this? Rang the lady who"s dealing with my case at the ombudsman but she"s on holiday until 11th June?

Also my block paved driveway had collapsed from the pressure from the flood? got photos

Thanks Unclebulgaria-I dont have any recording of the phone calls that took place at the time of my original claim so it will all have to be from memory? I remember saying that the house WAS unnocupied but for not longer than 2 or 3 weeks and that i was returning to the house maybe twice a week to check on things as it was up for sale at the time. The house was rented out as a furnished property so most things were still in place when the tenants left- i.e.beds/3 piece suite/washer/cooker/tumble dryer and numerous pieces of furniture such as coffee table/bureau/computer table. Am i claiming for the damage to all this property? The laminate flooring was destroyed as were the kitchen vinyl floor and the stairs and bedroom carpets-My kitchen cupboards had collapsed too? is this all re-claimable? I do have photographic evidence of most of this damage on my mobile phone and also on my facebook page from the time of the event-will this help? Thanks

Just had a phonecall from financial ombudsman saying that Lloyds Tsb Insurance have agreed with their decision that my policy was Mis-sold to me in the first place and have agreed to look at my claim as a fresh claim subject to their terms and conditions? and have agreed to pay 8% interest if claim is settled? they have also agreed to waive my premiums which were returned to me in full (£256) on cancellation of my policy in 2010 as a gesture of goodwill for suffering caused? and the Ombudsman have sent me a settlement form to sign and return to agree to this settlement? My question is does it sound fair and what is my next move? Ive never done anything like this before so want to get it as right as i can? Thanks

yes a 6 month one and shes been in the property for 2 months now

Where do i stand legally with this issue? The tenant has spent £527 of backdated rent money from the council and ive asked them to leave my property ASAP and she has phoned the police and the police have said i have to give her a months notice but she didnt pay any bond or rent up front? Any help please thanks