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  1. Hi, I took out a mortgage with Abbey National in June 2003 and I was advised by the in branch adviser that it would be wise to take the paymentcare policy with the remortgage and additional loan which was added to the mortgage. I have been paying this every month at a cost of £52.55 - which by my calculations means I have paid £9511.55 to date. My issue is that I didn't actually require this insurance at the time of remortgage but the adviser stressed that it would be "very helpful" to my application. Wishing to get the loan agreed I took the paymentcare insurance ou
  2. Hi there, seeking advice of the legal variety... Over a month ago now, Virgin Mobile called me as an existing customer to try to upsell me a new phone and tariff. After discussion an offer was made that was too good to decline. A new S8 and suitable tariff for £29 per month over the period of 24 months. The offer was made of two parts, a loan for the device at £25 per month and the tariff of £4 per month. At the end of the 24 month period, I would just be paying the tariff of £4 per month. I was pleased with this offer and accepted. I confirmed the offer
  3. I’m looking for some advice on a recent issue I have had with Halfords with regards to a road bike. This had started with a dispute over the quality of work done as part of a service plan, eventually resolved by taking to an independent bike repair shop. Ultimately, I accepted a refund of the cost of the additional work required, but informed them that I was still unhappy with various other issues they were unwilling to resolve. I was informed that a manager would call 4 times, which never transpired, though I believe the whole issue would have been resolved if th
  4. Hi, Trying to claim mis selling from Santander ( bought as A&L mortgage 1991). I have completed a questionnaire, they came back with it was another company who sold me the endowment, on submitting a request to them, they say an agency worked in their office, it has now ceased............... .Im struggling, I'm sure I've read somewhere whoever the mortgage/endowment policy is with, ultimately they are accountable by law, cannot find this anywhere now. Can anybody help me out with some advice on where to go with this please?
  5. I recently purchased a Ford Mondeo Titanium x from a dealer near Bristol. The car was advertised as having a full service history. When I got home and checked all the booklets there was not a service history booklet. the following day I phoned the dealer who stated that they would find it. Two weeks later and numerous phone calls, lots of apologies and promises still no service book. Under the trade description act would I be entitled for some compensation due to the fact I bought it because of the reassurance of having FSH. I am happy with the car but not the miss se
  6. Good afternoon, I have recently found my original finance agreement from Welcome Finance in 2007, for which I believe I was mis-sold shortfall insurance on the agreement. I was told by the salesman that if i did not take the shortfall insurance, then i would not be provided with finance. I had no idea it was optional until recently. I have contacted the FSCS in relation to starting a claim as per the Welcome website, I have the original credit agreement however, I have no details as to who the shortfall insurance was through as a) I was not given any d
  7. Miss-sold a product, received final response from ombudsman whom stated that we were an accidental landlords, the Financial Ombudsman went onto say that the bank, Yorkshire Bank, had missing paper work. They ruled in the favour of the bank, we fought back, by saying it was an unfair process, as they had missing paper work but the financial ombudsman said they had treated us fair, so would not re-open the case. We went back to the ombudsman and stated this was an unfair process, as it was not true and Yorkshire Bank is misleading. The ombudsman stood by the
  8. Hello, Has anyone made a claim directly to claim compensation for mis sold solar panels I have had a solicitors contacting me claiming people are being successful getting their agreements cancelled and refunded money they paid from the start. Also, they get to keep their panels and feed in tariffs! However they charge 30% fee plus 20% VAT! I want to do this myself. Anyone been through this road? Anyone?
  9. When I purchased my house I used the services of a financial advisor who also sold me health insurance policy to cover the mortgage at that time. Recently on speaking to a colleague at work, she has the same cover for a quarter of the price I am currently paying. I feel like Ive been pressured by the FA to take out a policy that was far more expensive than I needed to be paying. Is it possible to get my premiums refunded for this, or do I have to forfeit them if I cancel it and move to a cheaper product? Feeling really let down by someone I thought was giving me sound advice.
  10. I just need some advice and help in what to do to trace this miss sold PPI in 2001. I bought a car from Northampton Car Shop end of 2001. I have some record of paperwork with an agreement number. I was paying First National Motors PLC a direct debit – their letterhead states First National Motor PLC is an Abbey National Group Company. Abbey National Group Company rebranded itself as ABBEY and then it was taken over by Santander UK plc. I bought the car for £6000 and ended up paying just over £8500 with added PPI. Every month I paid a direct debit via my ba
  11. Hi happy new year, I am posting for a friend that's not very computer minded, he has a mortgage that he was advised to take out to consolidate his debts, he has now received a letter telling him that he needs to find £129,000 for when the mortgage finishes, he is 65 and there is no way he can get that sort of money, so they have told him he will have to sell the house or they will repossess the property, I have told him it could well be mis sold, but the broker as now shut down, would we be still be able to make a complaint to the mortgage c
  12. We have just returned from a long weekend in Amsterdam. We booked the hotel through an agency (Amoma) who seem to be based in Switzerland and paid by credit card, just under £500. Link to the web page describing the hotel (Hotel Omega) is here https://www.amoma.com/hotel.php?id=98575&key=2017020520170206120500002050000205000000000672&page_num=0&sessionKey=LSEtZE1DbzR4cFJWNU1INldVdSsrWUtENGdwWTZzUzFPaUc1UElMdlhwSDMrNFhhLzdaK3ZuQWIyczdJUVIwOFdISTBaYnpzRGhub3RiUXliSXlFQUczSklyQmM0SE1YZGh2&hotelname=omega&f_ref=&tar=00000&price_ranges=0000&districtId= We made t
  13. Hi there, Apologies if this is in the wrong section, but it seemed most appropriate. In October I went on holiday to India. Before I went I took out "gold" cover travel insurance with Cover For You. While I was on holiday my mobile phone was stolen from my bag. I reported it to the police, got a police report, immediately had it blocked by my phone company and did all the right things. However, on contacting the people administering the insurance, it turns out that mobile phones are not included in the insurance and that it is required to take out additional gadget insurance to cover
  14. Hi, I wish for some advice on my issue please. On the 24th of Oct this year I purchased a BMW from a second hand car dealer. The car is a 64 plate, just over 2 years old. I purchased this car on the premise that it had many options on the car. I paid for the car before picking it up some on cc, some by transfer and also a trade in under the assumption that I would be protected on my purchase. On the drive home (3 hour journey) I noticed that some of the options listed in the advert were not present on the car. I checked the car more thoroughly and
  15. Hello I'm new here, but just wondered if anyone has experience with successfully challenging and overthrowing an ombudsman's final decision. The Financial ombudsman has made lots of poor excuses and failed to look at the significant evidence that yes car credit/direct auto have mis sold ppi and other insurances without permission. Many thanks if u can advise
  16. The PPI mis-selling scandal has dogged the banking world for a long time now, and bothered everyone with a variety of spam messages and mithering claims companies. Now, it looks like we might have another mis-selling scandal, thanks to the insurance world. The FCA think that insurance agents have potentially mis-sold policies to consumers, as well as falsifying documents, faking signatures, and sold products to people that will never, ever pay out. The Financial Conduct Authority has been looking into all this, and said that their study of 15 insurance firms and the agent
  17. Hi I will try keep this short and in bullet points but any advice would be grateful. I bought a ford focus 3 years ago from a ford garage for 12 -13k as a used car and only 1400 miles on it. 1 year later (after having a child) we decided to get a bigger car and went to a local dealership to trade in for another car at 10K. the dealership said they could not give us the money we needed for the car because it was an "IMPORT" so it was valued at less money. When we bought the car we did not know it was an import. I decided to ring ford to query this who said it isn't an import a
  18. Hello Caggers, I’ll try and be as brief as possible… After a long 4-year battle on a failed claim for a mis-sold PPI policy, the insurance company agreed to pay a back dated claim. I had a Mortgage Protection policy with the Halifax. It was sold to me over the phone on the premise that my mortgage payments would be covered if I was ever to lose my income. I accepted. My initial claim was for them to pay my mortgage payments when I became unable to work. They didn’t (it seems) record that I had made a claim back then even though they have some informa
  19. Hi everyone I'd really appreciate your thoughts on this one please. Basically bullet-pointed as follows: Invited to attend dealership on Sunday 24th April to discuss early upgrade of PCP vehicle at their invitation I said I'm happy with what I had, but let's see what an upgrade looks like and I'll decide after that, but I emphasised it must not cost more than I'm paying now and it must contain the same enhancements/features that my current (Yaris Icon Plus) contains. I emphasised the specs more than once during the conversation I was shown a car in the showroom and was to
  20. Hello Thank you for looking at this post. NOTE: only 121 audi a8 edition 21 are made for the UK. AvailbLe to order from July 2015. I am a chauffeur and wanted the a8 edition 21 because of my own personal liking to this model In the last week of August 2015 I decided that I want to purchase a new A8 LWB Edition 21. I was dealing with wimbledon audi. I have enquired about the a8 edition 21. I was told that the a8 edition 21 LWB was not available to order and also they could not configure the car on the audi website which meant audi does not make it in LWB verson (a a8 editio
  21. Hey guys, I'm looking for a little bit of help with a recent mobile phone contract my sister had taken out in-store at Carphone Warehouse. My sister made enquiries over the phone to O2 regarding any deal's that would be available for the Christmas period. It was advised that she attended a store I think she got a little bit confused as she attended Carphone Warehouse instead of the O2 store, who sold her a 24 Month Contract on O2... anyway. The purchased was made prior to Christmas, after the Christmas period it was found that the phone is not suitable for her partner and at t
  22. Hi all. Three have in the past switched me to contracts without explaining fully what I'm gaining/losing. I ended up losing quite a lot, without them telling me so. I was meant to lost nothing in terms of allowances. They've admitted they did wrong and are trying to rectify it, but (very) insufficiently. So I am considering going for deadlock and taking the case to Ombudsman level. Would you recommend this? I previously posted regarding this but got no responses (as the post was a wee bit lengthy perhaps). That post is called "Three mis-selling - mission to rectify!", posted a few days ago
  23. Good day all. This is a very good forum and I have an interesting case I'd kindly like some advice regarding. I've been with Three for a number of years now. I used to be on their One Plan where I got 600 mins, over a thousand texts, and unlimited data with unlimited tethering. When the contract ended and it was time to upgrade, I wasn't pleased with the phones on offer so I asked if I could continue with my current phone and current contract but with a lower monthly price. Person on the phone obliged, but what they didn't tell me is that I've lost my tethering ability, and some of my min
  24. I have made a claim through Barclays as I believe I was mis-sold on several credit cards and loans, they have accepted on of these was mis-sold and paid me £1893, I received a letter from them today stating that another one was not mis-sold as the application was done in the branch and I would therefore have agreed to the PPI, as the application in the branch dates back to 1997 I am not sure how they could prove this, is this likely to be a way of them getting out of accepting it was mis-sold and not paying me, and should I tell them I want this reinvestigating as
  25. Hi i'm a taxi driver and was on the lookout for a new 8 seater cab with wheelchair access as my current vehicle was ready for the knackers yard and after shopping about decided to use a company call cab direct. I ordered a peugeot eurobus with them on 27/7/2015 on finance and paid £1000 pound deposit. I felt after speaking with salesman on the phone that things were a little rushed by him and he didnt quite explain things but i assumed with them being suppliers to the taxi trade and after looking at the pictures of vehicles on their wesite that they would know what they were doing. W
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