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 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.

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 I wonder if anyone can advise, on the way forward, back in 2008 We purchased a sofa and managed to get some discount off the sofa and put it on finance, part of this was the purchase of the guardsman policy for 5 years, we were told that we had to take this as part of the finance deal, even when asking could it be removed!! In any case we were told that it would cover Accidental damage for any stains rips burns etc.. "we could even sit on some scissors and puncher the leather, this will be covered" their words not mine, they were almost reading out of the leaflet we got as part of the sale, which specifically says. "No Pains with stains For a Small additional charge you can increase your peace of mind with our superb Guardsman warranty. Available on leather and fabric upholstery, Guardsman covers you in event of staining to furniture or accidental rips, tears and burns for five years from purchase, ensuring the best protection for your new furniture (please refer to policy for full details). Guardsman protection will help to prevent permanent staining of a suite, it cannot prevent general soiling." My 2 year old Daughter unfortunately spilled nail varnish that she got hold of on the arm of the sofa and this has effectively stained the sofa, I called guardsman and they advised that it was not covered and under the policy it does say point 12 Any instance of staining. I called SCS CS who advised me to call the branch, I spoke to the sales manager who asked to see the leaflet, I faxed this off and he called back to say that there was nothing he can do due to the fact the leaflet states (please refer to policy for full details) which we received a couple of months after the delivery of the sofa. I have spoken to the Citizens Advice consumer helpline who have recorded the case and will pass on to trading standards, but that I should send a Breach of contract letter to SCS Customer services recorded. My concern here is that im not entirely sure what to put in the letter and wondered if anyone else has had this issue, I know there is a lot of people in a very similar situation and that they feel misled regarding this. Any help would be much appreciated

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

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

Hi I have a few areas where I need some advice. I was a FTB in 2006 when my sister & I bought our first flat. I am a hairdresser & my sister is a project manager. We still live in the same property. We bought our Legal & General insurance policies & our Northern Rock mortgage through a Financial Advisor who was working at Kinleigh Folkard & Hayward. It was face to face & not over the internet or telephone. There are a few points I'm concerned about & need a bit of advice of where we stand. I've just been having a look through all of our insurance policies & have noticed that we are doubled up on a few of the insurance policies. We both have separate policies for DECREASING TERM ASSURANCE WITH CRITICAL ILLNESS and MORTGAGE PAYMENT INSURANCE (2 each). I also have a policy for MORTGAGE PAYMENT PROTECTION INSURANCE because my sick pay is not as good as my sisters. From my understanding of talking to a few people is that we should have a joint policy which would be more cost effective? I have a deferred period of 52 weeks on my Mortgage Payment Insurance so I was told I needed the the Mortgage Payment Protection Insurance because the deferred period is 60 days ... But ... if i can't work because of any injury to my hands, tendons or muscles because of a work related cause or any mental issue arising from it they won't pay a claim. I have no recollection of this clause being explained to me as I'm sure I wouldn't have agreed to that. Also some of the details are wrong on my Mortgage Payment Insurance policy ... The type of work, hours worked & it says I haven't been in continuous work for the previous 36 months (which I had) and on the Mortgage Payment Protection Insurance policy the information is correct. I know this is my fault for not checking after I got all the paperwork. I'm going to phone L & G today to tell them so that it can be amended. We were also told not to request to have a look at our medical reports before they were sent to L & G as this would slow things down. Looking at the part of the policy that details how much the advice costs there is an initial lump sum but then after month 49 there is a £1.09, £.40, £0.99 & £0.43 amount that it will cost until the end of the policy? Is that why were sold 5 individual policies when joint one would have been better? He also organised our mortgage through Northern Rock. We had a little deposit (7%) which he advised us to keep to do some DIY & rather get a 114% mortgage on an interest only fixed rate for 5 years. £184 000 which was a mortgage & £30 000 of which was an unsecured loan. I would like to know if I have a leg to stand on as I feel we have been ill advised. Any advice would be greatly appreciated Thanks

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 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 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

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

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?

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

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

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

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

Read more: - http://www.credittoday.co.uk/article/14526/online-news/businesses-may-be-forced-to-repay-consumers-for-mis-selling

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, On Sunday 7th Oct I decided to spend the day looking for cars. There was a car I really liked at a reputable garage in Bristol, so I drove to the garage to go and have a look at the car. Upon arrival I was informed that the car I had originally come to view was actually in the garage being serviced and prepped for sale.. In the meantime another car caught my eye. I asked about the car and showed my interest.. The salesman took me back into the office to find out more information about the vehicle that had caught my eye on the forecourt. This car had finance fall through and therefore no information was available on the website. However, the salesman offered to show me around the car and look first hand.. I really liked, so much I wanted to test drive it, which I did.Whilst on the test drive I asked the salesman "is the car fitted with cruise control?" his reply was "yes, but it doesn't work at slow speeds. You're not allowed to exceed 50 mph on trade plates". I took this as a verbal confirmation. When I returned to the garage from the test drive I was greeted by their finance manager who offered me a 5 year finance deal on the car, which was too expensive and didn't allow me to have any money from my old car. I wanted to sell my car privately as I was convinced I could get more money from a private sale (he offered me £3400 I was looking for a minimum of £5000) as I have £2,500 I needed to pay off before I was to get a new car. I could put the other of the £2,500 I was expecting from the sale of my car as a deposit on the finance. Anyway, he did some calculations and he was able to meet my monthly repayment budget and offer me back £2,500 on my part exchange which was excellent. I signed the deposit and arranged to pick up my car the next day. I went to pick up my car on the Monday after work and I could barely hold my excitement in. The salesman allowed to have a once over of the car before signing all of the finance documents. Again, I asked about how to activate/set the cruise control and the salesman said "It will be on the lever here, do you want me to go and get the car handbook?" I said "No", not wanting to waste any more time.. Presuming at that point that the car would surely have cruise control. Anyway, I drove the car away with a big smile on my face. I drove to my mum's to show her the car. She lives on the other side of town so it requires a motorway trip. "Brilliant", I thought, as I was driving down the motorway I was struggling to work out how to use the cruise control so I asked my partner in the passenger seat to look in the car handbook. I was horrified when there was an extra lever illustrated in the handbook that wasn't featured on my car. The next day I rang up to chase the cheque I was waiting to collect for the £2,500 cashback the salesman offered me for my part exchange. I also mentioned that I'm really happy with the car but that I had one problem, the cruise control. Because of the nature of my business, this is almost a bare essential on any new car I would purchase. The salesman said, "Oh, I'm not sure what we can do about that, come in tonight to pick your cheque up and we'll talk about it". Cautious that big garages have vast backing of legal teams I rang my local citizens advise Bureau to explain my situation as above who said I have two options... To go to the garage and ask for a remedy to my problem (I.E - ask them to fit cruise control or refund me the value to fit cruise control). Alternatively I can request either money back or an exchange for a vehicle of the same value.. Loaded with this information, I returned to the garage knowing I'm fully within my rights to get either or.. I discussed it with the salesman who agreed that I mistakenly told me the car had cruise control, I explained whether it's a mistake or not, I need a vehicle with cruise control. He agreed and spoke to someone higher up. After conferring for about 10 minutes, the person higher up came over and said they will check and see what they can do and will let me know by telephone the next day. I apologise for blabbing, but I thought it would be best that everyone was familiar with the situation. My question is where do I stand if the following happens: - they offer to cancel my finance agreement (what are my rights to getting my original car back) - they offer to fit cruise control at their cost (is it legally required to be done by a dealer or approved garage) What else can I expect from the garage when they come back to me?

I made a claim against Citi for mis-selling before the PPI court ruling was made, they told me unless I took it out I couldn't have loan, as had low credit rating. Within a couple of months they re-wrote the loan on a different rate and again with two separate PPI single policies, with arrangement fees added. They offered me a third loan on a lower interest rate but again saying I had to borrow more money to get this new rate and with 2 single PPI policies sold. I accepted the Ombudsman's decision they had to pay me back. I did receive some monies about £3,300 at the end of 2009. However, they have not provided any breakdown of how they arrived at these figures and on the existing loan they only refunded part of the premium, and was told by the Ombudsman to resrtucture the loan. I haven't paid them for a couple of years and in May was told it had been sold to Arrow, Atlas or Westcott (I am unsure who actually owns it as all 3 write to me). They came up with a figure about £300 more than the last letter from Citi confirming the outstanding balance. I said the amount is disputed as they were to restructure the existing loan without the PPI. 2 1/2 years of letters have proved unsuccessful and they wrote just recently to say they do not hold any information for me, but Atlas do. I asked for copies of the CCAs and statements. I wrote to Atlas to say the amount is disputed and low and behold they have replied "Citifinancial have agreed to a reduction of £995 in respect of the PPI". I really don't know whether this is a figure they have just plucked out of the sky but they never re-structured the loan as instructed by the Ombudsman. Again, I have asked for copies of everything and how they worked out the refunds but they fail to do so as I want to try and calculate the figures myself. I have now referred the matter back to the ombudsman as they haven't done as asked in their ruling in my case. Any help appreciated.

Hi, I am new to this forum and forums in general so please forgive any lack of etiquette. I am in very serious trouble and have been for years, and will shortly be going bankrupt and making myself homeless in order to get out of it. With what i'm reading and hearing, I may have cases to bring which I've decided to look into before going Bankrupt. I'll try to be as brief as possible. Below is a list of what i have going on and my comments & questions. I appreciate any assistance or advice for any of it. My problems stem from setting up my own business and it subsequently failing in the recession. 1, Mortgage on my home: Spml/Capstone/Ascenden interest only mortgage for 92k taken out in 05. Current outstanding is 97k. Obtained through broker. Late charges throughout the life of the mortgage. Currently in arrears but under agreement and 'safe' for the time being. Could this mortgage be mis-sold?, Are the charges refutable? Is the fact that I have been forced to take buildings insurance with them refutable? 2, 2nd charge on the property with Nemo Finance for 25k 2006. Currently in arrears but under agreement and safe. Charges throughout the life of the loan, current balance still 20k plus. Are secured 25 year loans being scrutinsed for mis-selling? 3, 3rd charge on the property for 25k with Halifax 2006 within 6 months of the above loan. Charges throughout the life of the loan. Same question as above. 4, Santander mortgage on another property taken out in 2004/5. Increased mortgage to 85k. Charges throughout the life of the mortgage. Ran into serious arrears 2011 to 3.5k. Started back in full time employment following the collapse of my business in september 2011. paid Santander 1800 in October and entered agreement. Missed the following 2 months payments due to more pressing debt catch ups with other creditors. House repossessed on the 18th of Jan 2012. Called the head of dept to try and get the repo reversed but was told i would have to settle the entire 85k for that to happen. Advised the woman that the property had been empty for years and that they should have notified me at my home to tell me what was going on. She did not know I had another house and thought she was making homeless. Despite the fact that my Santander bank account is registered at my home address and not at the repo'd house. House was on the market by the end of Jan 2012 for 1 day and was sold for less than half it's value, leaving me with a shortfall of 50k. They are now in pursuit of this money. the whole process from entering agreement, to sale of prop was 3 months. Do I have grounds to sue based on: duty of care to make sure they had actually spoken to me to tell me what was happening, consideration to my change of circumstances i.e. not earning any money until i went back to work in Septemeber, after which I paid them 3 quarters of my 1st months wage. giving me the chance to sell the house for a larger sum, or to a family member so as to not lose (what they thought) was my main residence, allowing the property to sit on the open market and not accepting the first and only offer on it for less than half its value. the property has now had it's refurb (which I had done half of) completed at an estimated 20k and is worth 120k. Santander sold it for 45k. Additional borrowing had PPI attached. 5, HFC personal loan taken out circa 2005 for 7500. current staus is 12500 owing. I paid a company 500 to see if this had been mis-sold which took about a year. They came back and said it was enforcable, but they got my ppi back. Since then i have not recieved any demands for payments but do recieve a yearly statement telling me the balance is 12500. I do not know why they do not chase me for this anymore. 6, Halifax current account, charges totalling at least 6k over the last 10 years. Already put a claim in but was told by them that they were fair and the court case ruled against payouts. Is there any point in attempting to reclaim this money? 7, Santander/Alliance & leicester bank account, Charges througout the life of the account. Apologies for the convoluted way this is written, I am currently putting together a more concise and detailed history of my circumstances in order to submit to somebody that may take up any or all of these cases. I am finding it all a bit overwhelming and want to find out if people think I do have relevant grounds to bring cases. Also, how would I go about this? Does anybody know a good manchester based law firm that deals with this? Please help. My wages don't cover outgoings and I only eat 3 weeks out of every month to maintain my current status. Any help is appreciated and i can go into more detail on any points above if requested. I also would like to know if it is possible to sell the house I live in now for less than it is mortgaged for ( and therefore not covering the 2nd and 3rd charges) as I know from experience that if I hand the keys back, they will simply gice it away and chase me for more shortfall. Best Regards,