hi sorry I'm not sure where best to post this. We have a remortgage going through with nationwide. During the application process we were asked if we needed transfer of equity and we said yes. It then told us we needed legal advice for this and do we want a quote from one of their solicitors and do we want a quote? We said yes and it brought back a quote of £255, asked us if we wished to accept and I said yes and proceeded with the application. I then got the application summary which states everything: Transfer of equity required? Yes Free legals taken? Yes Solicitor quote provided? Yes, £255 Quote accepted? Yes We then got the quote breakdown from LMS with nationwides logo at the top which included solicitor base cost, telegraphic transfer fee and disbursements totalling. £255 including VAT. But doesn't include transfer of equity. We were then allocated to gorvins solicitors by lms. We received the welcome pack with quote and request of payment for £535. This again didn't include the transfer of equity but had everything in the lms quote breakdown but each item more expensive and other fees such as scanning and file storage. I rang them to query it but they didn't know why the quotes differed but said transfer of equity would make it more expensive. I've been passed back and forth the 3 of them with promises someone will contact me but never does. Until I spoke with someone at nationwide last week who has chased them up for me but rather than reply to her they replied to me. Gorvins stated I'd been provided with an old quote due to a technical error and it is now more expensive but agreed with nationwide. I then spoke to lms who had a supervisor ring me back today and tell me the same thing and that they can only apologise and close the file for me if I don't want to go ahead at the price provided by Gorvins. They said all the firms they work with will be the same price as fees are fixed and they can only apologise and told me to contact nationwide as they were the ones who provided the first quote. I said it wasn't good enough because they've now delayed us 3 weeks without any work even being started on the remortgage and now I have to find a new solicitor. They also asked if the nationwide quote stated £255+fees as it would normally be quoted as base cost for the remortgage(£325)+fees and I confirmed it hadnt and said this was wrong as the additional £210 fees are compulsory for the basic remortgage even without transfer of equity so shouldn't be hidden. She then agreed to submit a formal complaint. I then contacted nationwide to complain to them about the initial quote to be told the initial quote is provided by LMS even though it's their website they work together and solicitor side of it is nothing to do with them and it's fairly new but they've been asked that all complaints go through to LMS's complaints department so they are aware of it and it's happened a few times with others but LMS will be dealing with it. What do I do now? Do they not have to honour the quote that was accepted and agreed? LMS didn't really seem interested and just kept telling me I could decline and find my own solicitor and didn't have to go through with theirs. Should I just go with my own to avoid any more delay or wait for the outcome of the complaint? I've found one for £435 including transfer of equity? Thanks.

I received a retention offer via email so I had to speak to the live chat team to accept it. I was quote the price and all was good. I then received a confirmation email a day later that noted there was a price increase of £3 per month. Yeah it's only £3 but it's the principle. I got onto the live chat and was told recontract offers are immediate and there is no cooling off period and the misinformation I was given was not a valid reason to 'nullify' the contract. I'm absolutely livid at how sneaky they were!

Concerning the issue of whether we are a casual worker or a an employee there is many criteria to consider for example the time we work for the employer, our skills, whether he employs us only in case of shortage or during peak time or he uses us in the normal running of our business...etc. However I would like to know if the conclusive evidence is not when the P45 has been issued because if it has been issued one year after the start of employment this means that we are now an employee. It is up to the employer to decide if he need us anymore or nor and as a consequence if he send us our P45 or not. If the employer decides because it is not convenient for him not to issue a P45 at the end of each project we could be consider as an employee There is also the issue of HMRC and in order the employer not to pay tax maybe a worker has to work only for a small period of time and not come back for a long time There is also the issue of the difference between temporary employee and a casual worker

Nearly a month ago now, they said they would write back to confirm the money being transferred into my account within 28 days, it was with Black Horse, getting worried that I haven't heard anything.

Hi all, have just recently had 4 loan ppi reclaims upheld and sent off acceptances. Its only been 2 weeks for me and the blurb they (Rbs) sent says 28 working days but I am just curious if you guys have had to wait the full time, longer or shorter amounts of time. I am kind of expecting an offset but keeping my fingers crossed anyway. I believe they would still be sending me the interest anyway if they do offset, read that on here somewhere. So, what were your timescales and did you have to jolly them along at all?

Hi there i have received a letter from Marlin after my debt has been classified as Statute Barred stating i owe them money. I received the letters from Credit Acceptance Corp UK Ltd stating they will not contact me further and correct my credit report. This was 6 months ago. I have stupidly disposed of those letters and now need some proof that the debt is classified as statute barred so marlin stop harassing me. When i wrote to them stating that the debt has been classified as SB they said that they HAD NOT received any letters from Credit Acceptance Corp UK Ltd stating the debt has been classified as SB and they are asking me to send the letters. They also stated that the debt is NOT classified as statute barred as i have made payment on 10th August 2010!? I have made no payments and do not understand how this can come up now after the debt has been SB and credit report corrected / adjusted. I am now looking for Credit Acceptance Corp UK Ltd tel number and cant find it anywhere. I have found one number CACUK but it does not connect. Any advice in dealing with this matter will be of great help and what would you recommend my next move to be? Many thanks in advance...

Hi guys i have just cleared some debt off the past month and am now debt free but vodafone, o2, t mobile etc are declining me credit and im guessing it was related to this debt i have paid up. I have paid my Virgin Media bills every month on time if not before the pay date and keep getting mithered to take out a deal in my virgin media account i want a samsung galaxy s3 on virgin but bit worried they might also decline me

I have applied for a secured loan with Welcome (I know, I know but i'm desperate and my credit score is pretty awful!) I have received my final pack but there is a form in there for Authority to Contact Employer. Now i'm really not comfortable with Welcome contacting my boss, will they decline my application if I do not complete this form?