Hi kaz320, I have just written out a long winded message detailing where I am upto, only to be told I don't have a high enough score to send it to you and then it was lost. Pretty infuriating but there you go. I have an interest-only mortgage with Spml/ascenden/capstone. it was sold to me by a broker in 2005 for 92k. it now stands at 98k. What can you tell me about mis-selling of mortgages of this type? Do you know of cases that have been successful? How do I go about it? I am going to be chasing them for charges also, but this is a seperate issue Any help greatly appreciated. Regards, D.J.F.

Hi all i am new to the forum and would value any opinions or advice. I am posting on behalf of my in laws as they do not know where to go from here. Basic story is last year they went to a travel agent and paid deposits on a package holiday for themselves and there daughter and her boyfriend. They received the usual contract and confirmation and the information when the balance etc was to be paid. they wanted to go to this particular hotel and on pacific dates and this is why they used this agent. Unfortunately around 6 weeks ago the daughter and her boyfriend had to cancel as they could no longer afford to go. They went to the company and informed them and told they would lose the deposits for them which was around £250. They accepted this as the balance is due at the end of March.At this point they also paid for extra legroom on the plane. Then around 3 weeks ago they got a call from the agent to come to the local office. They were basically told that the holiday company the agent had used did not have the hotel they required any longer due to the hotel not signing the contract with them. They were offered another hotel which was nowhere in the same league as the original one and they also had to pay a bit extra. I don't know if its just me but i think they were mis-sold the holiday to begin with due to the company not having the hotel onboard to begin with. Also the fact that her daughter and partner lost there deposit on a holiday that didn't exist. Its down right disgusting to begin with. They were not offered a refund if they did not wish to take an alternative and felt forced into going to this inferior hotel. They don't go till June. They wrote to the agent on 2 occasions but only got offered £60 compensation. Its been really stressful and they haven't even gone yet. They are not in the best of health either and this was a special treat which is now spoiled. The balance of the holiday is due end of March. So if you guys and girls on here can offer any advice what they should do next it would be most appreciated. Thanks in advance

Hi Yet another one that believes they have been mis sold gym membership. I need some help in wording a letter if anyone could help id be really grateful. Basically - i signed up for a small local gym October 2011, and asked that if my job moved me ( which it sometimes does) if I could cancel. I was assured yes I could ( verbally )- so I joned the gym. I left that day with just a welcome letter - no terms andconditions of membership, no copy of financial agreements, no copies of anything I had signed for, but basically a piece of paper telling me gym opening times! I only ever then receieved a Letter from easypay - telling me the DD had been set up. In March after only ever attending the gym once, as my work had moved me away, I decided to cancel. I hand delivered a letter to the gym and sent one to the Easypay company explaining that as I had been informed I could cancel due to work commitments I was doing so. I received a letter confirming the DD had been cancelled and thought no more about it. Roughly about May time i received a phone call from a company called Lyle Hill saying i had not paid my gym membership and it was in arrears and needed to be paid. I explained i had cancelled and was told OK we will look into that. Around July time, I was contacted again and yet again explained the situation and even emailed copies of my letters to them. The next letter i have received was from a debt collector asking for full payment of outstanding fees. I called straight away and was advised i had signed a financial agreement with Lyle Hill and I was liable - and she would send me a copy. I received this copy with another demand for payment and then contacted CAB. They have advised I ask for orignal T&C's from the gym. I contacted the debt collectors again to advise to hold this account as it is under dispute but they refused saying I have signed an agreement and monies are due. I have never and would never have taken out this membership 1, knowing that I could not cancel and 2, if i knew ( which has been explained by debt agency) that in effect I was agreeing to a loan of monies for the membership! they also said that yes i could cancel my membership as that has nothing to do with the financial agreement. I never even recieved a memebership number from the gym! I do believe I have been mis-sold as said - im just struggling to word the correct letter and to whom. Would be grateful of any further advice Thanks Shoes

Hi, Can someone please help me with cancelling memberships with Bannatynes which I feel I have been mis-sold. The reason I feel this is because when we went in for the intial chat and look around, I specifically asked: 1. Are the childrens clubs full ? (this is a huge thing for me as I didnt want to be paying £12.50 per month for my 5yr old daughter is going to be alone) I was told "yes, they are really popular" 2. Are there any inflatables in the pool for my child? I was told.... "no, but you are more than welcome to bring your own" 3. So, we can attend anytime at the weekends and bring my daughter swimming?... "yes, of course you can" 4. The supervised swim sessions which run twice a week, does this mean I can leave my 5yr old daughter there to be supervised while I work out?....... "yes, thats correct" So, I agree to memberships for myself, my husband, my 16yr old daughter and my 5yr old daughter. Since then it has become apparent that: 1. My 5yr old daughter is nearly alone in the kids classes 95% of the time. 2. No inflatables are allowed in the pool so all my 5yr old can do is hold onto the side for the whole time we are in the pool as its too deep for her to stand up and she cant swim. 3. No children are allowed in the gym before 2pm anyday of the week. My daughters went there one Sat morning and were told they are not allowed in. 4. Supervised swim means the child has to be accompanied with an adult if they cannot swim. This does not mean that there will be someone in the pool with them, it simply means there will be a personal trainer walking aorund the pool at these times. I really feel I have been mis-sold these memberships, so I wrote a letter to Head Office explaining this and had a reply saying that "as a goodwill gesture" they will cancel my two daughters memberships but not mine and my husbands. I replied stating that I only joined due to the childrens facitlites and that I was led to beleive that we could work out every day for an hour while my child was in the "popular" kids clubs which run for one hour per day and also we were of the opinion we could swim all day everyday at weekends if we wanted. They have today replied saying that "members are given the opportunity to ask questions relating to the contract until they feel comfortable to the obligations that they are about to commit themselves. It is ultimately the responsibility of the member to ensure that they understand all terms relating to the membership" So basically, I am determined to reply, but I need to word it correctly and would appreciate any help please. Thank you Jen xx

Hello all I was sold a "Company Pension Plan - I was a one man band" when self-employed with Ltd company, my company had been running less than six months when sold this pension, based on the information given at the time. I still have the original document where the financial advisor states/recommends that "The only option is a "Company Executive Plan"" - lie he was not whole of market "The pension is fully transferable at no additional cost" - lie, almost half the pension would now be eaten up by transferring it. The reviewer has completely ignored the above comments in the notes I provided and states that there is always a cost involved with transferring the pension. And that costs are still being incurred while keeping the pension going (admin charges). The pension is still now only worth what I actually put into the pension - and that was over 15 years ago. Any advice on how to get this monies back or transferred to another pension, as I have submitted three complaints and 1.75 of the complaints have been upheld against the same advisor who sold me this pension Thanks in advance

Hi all, At the end of December I ordered a brand new DS4. The dealer managed to find me a pre-registered one elsewhere but said it was exactly the same spec as what i've ordered a 1.6 HDI 115BHP D-style. I've had the vehicle since the 21st January. I firstly had issues with the lights, with there being a high pitched noise in the dash and then my trip computer saying I was only getting 31 mpg - now its a 1.6 HDI so i'm pretty sure this is really poor. Anyway they checked it over and reset the perimetres and told me to return after 1500 miles to let it 'settle'. Im upto 1000 now and can't see it being any better. I had an email off the dealer before I purchased saying the the 60mpg was an accurate figure as he was driving one himself. Anyway I have come renew my insurance and when i put in my registration it comes up my car as being the 110bhp version - not the 115bhp version i have all over my paperwork. Looking further into it the 115bhp wasnt produced until November 2012 but paperwork found in my car when picked up said it was made June 2012. Where do I stand regarding this? it's not the BHP i ordered neither is it doing the MPG I was told it did. I have it on a PCP scheme so awaiting a response off the company but I paid quite a big deposit into this and traded my old car too (however i had equity in this) Many Thanks in advance

http://uk.news.yahoo.com/uk-watchdog-sees-leap-insurance-mis-selling-cases-000836875--sector.html

Hi I've had a Barclay's Credit Card which I was paying £29 - £35 per year for card protection. After reading up about it and finding that this insurance policy wasn't needed because you are covered by the bank anyway, I was thinking of reclaiming. I cancelled my policy in 2010 as I just couldn't afford to pay it any more. After looking through some old documents the only thing I can find is a letter from CPP (York) in 2010 saying that my policy has now been cancelled. I've also found a renewal notice letter from Barclaycard but it has Sentinel Gold (2008) on it. If I was to reclaim who do I get in touch with? Thank you in advance.

My wife and I to took out a mortgage with Northern rock and life insurances from L&G from a broker(The mortgage shop) in derry n ireland in 2007.Well i say took out a mortgage, i was pretty much told this was the only option available to us for a mortgage otherwise we where snookered. I have just looked through all the old letters from The mortgage shop, L&G and Northern rock from the time and i do believe we where mi sold a few insurances.... Mortgage decreasing term assurance x2...Mortgage decreasing term assurance with critical illness cover x 2. Mortgage payment protection insurance x 2. The main reason i believe these where mis soled was because we where not given a choice to look elsewhere for any of the insurances mentioned and because i believe that the first 2 mentioned are 1 of the same thing... Last wednesday i sent an email of complaint to L&G in reguards to what i just wrote above and on friday they phoned me asking for more information about my complaint. The guy on the phone sounded genuine enough and said he will be in contact with the mortgage shop to find out from them how they came to advice me to have all of the policys. This is the actual email i sent to legal and general................. I wish to make a complaint reguarding several insurance policies i believe was mis sold to me when i was taking out a mortgage with northern rock in 2007, My name is ......my address at the time was..... L,derry,northern ireland. Bt...... I believe at the time my wife and me where not properly advised about what options where available in regards to life insurance policy's and mortgage ppi payments by the mortgage adviser for The mortgage shop,Derry who was working on behalf of Northern Rock. I wish therefore to make yous aware that i believe i have been mis soled quite a few insurance policy's at the time because we where not properly advised and we where pretty much told at the time this is what we had to do to be accepted for the mortgage from northern rock. I would also like you to check each of the policys because i believe i had been paying far to much. I have in front of me a sheet telling me what payments that where due and what cover they where for.1 of the payments was for Mortgage Decreasing Term Assurance for myself which was paid monthly at £. There is also payment for Mortgage Decreasing Term Assurance with critical illness cover paid monthly at £. I believe they are both one of the same payment? There is also the same two payments for my wife again for two different amounts each month. Again i do believe the policys where for the same thing.. My mobile phone is 07..........,as i am no longer at the above address i would like yous to phone me first to arrange correspondence. Thanks for you time... cheers. Is there anybody else in the same boat as me trying to claim back misoled life insurances.... would love to here some imput and some out comes from others who have went the hole way???? cheers

Hi, first time posting here, but just after a bit of advice. I bought a contract tablet from here: Cant add links, but it's the note 10.1 on the EE website the site at the time clearly states includes unlimited calls and text, also quotes: "With unlimited minutes and texts, you never need to worry about going over your allowance" Having recently setup and logged into the ee mangment site I found I am geting charged for call and text. spoke to their customer service and they inform me that as it is a table it falls into their tablet charges which doesnt include Text and call. I'm awaiting a manager call back, but was after advice on what to expect as out come and how to deal with. I guess (hope) they update the website asap. to avoid others falling into the trap, so screen dumds of site are here: again, cant post links, but I have them and to anyone they would be clear The only tangable offer they have come back with is to add voice and calls to the contract, but it will increase the contract by £20pm (from £36 ->£56) Any advice would be great Cheers G

I am in the process of preparing to reclaim the PPI payments on a particular credit card account. I requested a copy of my original application form in order to see how the cover was originally applied to the account, and I have now received this. It was a postal application, which I had already believed I recalled being the case, and the PPI option box was not pre-ticked - I ticked it myself as I had always previously believed cover to be a useful safety net. I was therefore not *sold* PPI but added it voluntarily, though I understand there is/was still an obligation to review a postal application and bring to notice anything untoward. I was never contacted, just approved and sent the card/account with PPI in place I made the application as self-employed, ticking the appropriate box. I now have the following question about this, which I would appreciate any knowledgeable answers to please. I think I have seen it said widely including a couple of official websites, that self-employed status is in fact one of the more strong reasons why a PPI policy is considered to be mis-sold, the protection either not applying at all or if it does then only to a very limited degree of benefit. Is this correct in any strict manner, or is it just a fingers-crossed kind of thing? If it is a firm fact I should clearly slant my claim entirely in that direction, however I do not want to sideline anything useful in a different regard if it is not. Many thanks for any views on this.

Two issues were investigated, both of which were Upheld. Ad A page on the website http://the-healthy-insider.com, which promoted weight loss supplements, was presented in the style of a news article and was headed "'Flat Belly' Raspberry Ketone Diet Exposed: Really A New Miracle Diet?" Further text stated "Stacie Reid, our Health and Diet columnist put the celebrity diet to the test. After four weeks of testing the effects of Great Britain's Newest Diet combined with a Colon Cleanse, she has reached the conclusion to what this diet is all about, and the results were surprising ... She lost 25 pounds in 4 weeks". Three sets of before and after photographs were displayed and text underneath one set of images stated "One blogger claims to have lost over 35 lbs in 40 days using the PureBerry Max & BodyCleanse combo". At the end of the article a quote attributed to Stacie stated "I lost 42lbs in 4 weeks, No Special Diet, No Intense Exercise. My friends hardly recognized me". There were links to websites offering a 'free trial' of the two products displayed throughout the ad. Issue The complainant challenged whether the ad was misleading, because: 1. she did not believe the efficacy claims could be substantiated. 2. she did not believe it was clear that the ad was a marketing communication because it was presented in the style of a news article. CAP Code (Edition 12) 13.12.12.43.13.7 Response Slimtoneplus.com said they took the complaints seriously and that they would pass on our comments to their advertising agency to make sure that they complied with the Code in future because the current promotion would come to an end shortly. They did not provide any specific response to the points raised in the complaint. Assessment 1. Upheld The ASA noted that slimtoneplus.com had not provided any evidence to substantiate the efficacy claims in the ad, and we therefore concluded that the ad was misleading. On this point, the ad breached CAP Code (Edition 12) rules 3.1 (Misleading advertising), 3.7 (Substantiation) and 13.1 (Weight control and slimming). 2. Upheld We considered that the presentation and content of the website implied that it was an editorial piece which had been written by an independent party. Because that was not the case, and the piece was not clearly marked as an advertorial, we considered it was not clear that the ad was a marketing communication and we concluded that it was misleading. On this point, the ad breached CAP Code (Edition 12) rules 2.1 and 2.4 (Recognition of marketing communications) and 3.1 (Misleading advertising). Action The ad must not appear again in its current form. We told slimtoneplus.com to ensure that they held adequate substantiation for their claims, and to mark any advertorials clearly in future.

Hi all Just before December 2012 I left Orange after 8 years and moved over to Three. I called their sales line and the person I spoke to sold me a 1 month rolling contract for £12.50 a month. During our conversation, he offered (without me asking) free tethering. I remember this clearly because in 8 years, Orange had never mentioned tethering to me, I just used it normally on my Android phone and it worked - so I was perplexed by this offer, but obviously I did not turn it down. This month I have tried to use tethering and I got a message in my browser saying Three does not allow tethering on my contract and to contact them! I called them almost 3 weeks ago and complained. I said that if they go through the recording, they will find their sales person offered this up very clearly. He said they would get back to me in 3 days. Fine. Yesterday (nearly 3 weeks later) they finally got back to me and said they did not have the recording (convenient), but that basically I am mistaken and their sales person was also mistaken. The man was rude from the beginning and said, word for word "if you don't like it, either pay £25 for the one plan (whatever that is) or we'll send you your PAC and you can go somewhere else"(!!!). This is unbelievable and this man works for their specialist team! I don't know if I have any recourse, but I have learned my lesson and installed call recording software on my phone so in the future if they lose their recordings, I will be glad to supply mine.

Hi there I'd be really grateful for some advice about my gym membership. I see there are lots of other posts on here about being mis-sold memberships, but can't find anything exactly like mine - although I'm sure they are there! I signed up with Nuffield in May 2012 for a 12 month contract. I was concerned I might not use the membership as much as I hoped as I am a stay at home Mum with a young daughter (now 18 months), and I wasn't sure whether I would have the energy to attend (she's exhausting), whether she would be happy at the creche, how often I would be able to fit a visit to the gym in with her routine, etc. Because of all these unknowns, I specifically asked the man who sold it to me whether I'd be able to cancel if it didn't work out. He said yes, I could cancel any time. I mentioned I'd be going to New Zealand for over a month during the year, and he said I could freeze the membership during that time. Great! I signed up. I didn't read the small-print as I assumed he was not lying. I contacted Nuffield before going to NZ to freeze my membership, and was at first told they couldn't. They eventually allowed it because the original sales person had said I could. Well, the membership has not worked out well with my daughter's routine. The creche is only open in the mornings, and she always has a morning nap. She finds it very difficult to sleep anywhere but at home and it is plain mean to take her to the creche during her nap-time - to her and the creche workers! The creche is open until 3 a couple of days a week but it's just too difficult to get there in time after lunch when it closes at 3. If it closed at 5 it would be much easier. So I blithely went in to cancel, expecting to be able to do it with maybe a couple of months notice. I had lost my contract so could not read up on it. I was told a flat no. I was flabbergasted, as must have been clear in my face, and explained it was not what I had understood when I signed up. The receptionist said this was the only type of contract they had, and you couldn't get out of it. She offered to get a manager, but I'd been taking by surprise and didn't feel like having that conversation right then. I returned a couple of weeks later to push it further, but was told all they could do was freeze my account, which is absolutely no help as I don't want the membership ever now esp. as I feel I've been done over. The receptionist spoke to the manager on the phone but I did not speak to anyone higher level in person. She said there was nothing to be done, I would have to pay. The receptionist asked if I wanted to cancel from May (the end of the 12 months) to ensure no more money went out after that, and I said I may as well. She gave me the managers email address. My husband and I are struggling financially on one income. I do work a few hours at the weekends to make ends meet, and almost every penny of that goes on a gym membership I'm not using. Our finances are very tight and we simply can't afford Nuffield any more. Please tell me there is a way out! I am quite convinced I've been mis-sold a membership. I feel the sales person said yes to everything I asked just to get me to sign up. I'd like to write a strongly worded email to the manager, but I'm not really sure what I should say in it, whether I have a leg to stand on, or whether I should keep paying the gym. Payments go out at the start of every month, so the next one is due in a few weeks. Sorry for rambling post. I'd appreciate links to any other threads on the same problem, or advice on what my next move should be. Many thanks!

Hi all. i hope there is someone who can help with this. Me and my partner recently bought a used car from a vauxhall dealership. A first viewing the car, we asked the salesman (sadly we didnt get his name), if it were possible to connect the phone to the car. he said it was possible. we looked through the window and could see there was a "phone" button on the radio and controls on the steering wheel. Although we didnt know how it would connect, Ie usb, bluetooth, etc, we didn't think about it again. a few days later we purchased the car, but on getting it home and trying to connect i had to look on the internet, only to find out, there was no way to connect the phone. all the buttons are there but nothing. I asked the garage about it, and they said they could fit a parrot, at a cost to us of £250. Also if they fitted it the sterring controls that are already there wont be compatible. Now looking back through the adverts i cant find anything that says it has a usb connection or a bluetooth connection. it was solely based on the first salesmans word. Both me and my partner were present when he told us this, along with a friend of mine who is a little bit more car davy. any ideas what i can do? any help is greatly appreciated. Chris

Does any one know please how to complain re mis sold mortgage? I had a company look at it I have a case but they said to pursue it my self as having debts would be unfair for them to add their charges to my debts. I am not sure what to write and do I go to the mortgage company (db mortgages) first? Any help appreciated. Thank you

i believe i have been tricked into a contract with bes electric. my problem started when my daughter move into a new hair salon in chatham kent, she had a call which we believed to be our existing energy supplier edf and because she was busy with a client asked them to ring me at my home address. although it was clear i thought i was talking to edf with our present meter reading she made no attempt to introduce herself. she quoted different energy prices and naturally i chose the cheapest, when i finally realise who she was i tried to raise several issues to deter her from proceeding but she dismissed my concerns saying there would be no problems. before i knew it i had entered into a 4 year contract. at first i wasn't concerned as they did quote the cheapest rates and i believed i would have a cooling off period, but when the contract arrived there was serveral terms and conditions that i was not made aware of. the prices they quoted were based on our monthly usage, as my daughter has just moved in we had no way of knowing what that would be. there was also penalty fees. i rang them immediately saying we did not want to proceed only to be told the contract was legally binding and it would cost £400 to cancel. i couldn't except that a short telephone conversation could tie us up in this way. the £400 was only for a short period of time it would then raise to 48times what they estimate our monthly usage to be. another problem was they had the wrong meter number, and started invoicing us for energy they were not supplying. i rang edf at least four times to confirm they were still supplying our electric and what was more worrying was bes invoices were almost 400% higher than the ones from edf. i then contacted the ombudsman they believe they had cleared up the problem of the incorrect meter, but we have had no confirmation of this. now bes have the correct meter they have taken over our supply. the ombudsman has just ruled in their favour regarding the contract having listened to the recording, i also have a copy of the recording but the first half is missing so it is being heard completely out of context. I have tried explaining to bes that i was not the owner and didn't have her authority in arranging a new supplier they have just sent a letter asking for solicitors letter, driving license, passport, and tenancy agreement all to be supplied within 14days. i have replied to the ombudsman telling him how disappointed i am with his decision. i have now just received a phone call saying the landlord has been approached and asked for details of the tenancy, he had already been informed of what was going on and is as angry as we are. surely there must be some way of stopping these people without incurring costly lawyers fees and court cases. i know i am not alone i feel like shouting from the roof tops avoid this company like the plague. My daughter has decided to close the business just to get rid of them.

Hi my mortgage was with gmac from 2001 to 2009 hit with dd charges and late paments 50 pounds a month these were added to mortgage arrears i calculated at least £3500 in charges what can i claim back plus interest

I have read of many individuals considering attempting to recover mortgage arrears charges and I have read the FSA's statements on the subject but I have never read of anyone successfully recovering a meaningful amount of mortgage arrears charges back. Have you?

Hello all. What would constitute mortgage miss-selling, and how do i start my investigation into it ? Ie ..The correct procurement of documents and signatures !! Help would be appreciated. Thanks DS

Also says he has written to the FSA. http://www.dailymail.co.uk/money/saving/article-2240479/Whistleblowers-warn-Nationwide-sales-targets-harm-customers.html

http://www.guardian.co.uk/money/2012...sell-insurance

The Financial Services Authority (FSA) has issued its joint largest fine over retail activities of £10.5 million to credit card insurer Card Protection Plan (CPP) for mis-selling insurance products. CPP has also agreed to pay redress to consumers and has estimated a further £14.5 million will need to be distributed, according to the regulator. Taken with the costs associated with the FSA investigation and the fine, CPP is facing a total bill of £33.4 million. The FSA said it had discovered widespread mis-selling of CPP's two main products, card protection and identity protection, between January 2005 and March 2011. It added that CPP did not provide clear information to its customers or treat them fairly. The regulator said CPP had emphasised its card protection product would provide consumers with up to £100,000 of insurance cover, when they were already covered by their banks, and that it overstated the risks and consequences of identity theft in selling its identity protection product. CPP sold the products through its own sales channels and high street banks, generating £354.5 million profit from 4.4 million policies over the period examined by the FSA, and renewed 18.7 million policies, generating an income of £646.5 million. It has agreed to stop new sales of products, except where they are sold as part of an insurance package, and to stop trying to keep customers who call to cancel their policies. CPP has been ordered to appoint an external 'skilled person' to monitor and report on its claims and complaints handling. http://citywire.co.uk/new-model-adviser/fsa-fines-credit-card-insurer-10-5m-over-widespread-mis-selling/a634703

Link financial will not send PPI documents with s78 request as it has been settled. They are saying "A statutory response is not required by the Act to include matters no longer in force and for which no funds are owed". Is this valid any help appreciated

http://www.bbc.co.uk/news/business-20338335