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  1. I have just joined the Community here for your thoughts and we thank you in anticipation of any help you may give. We had a questionnaire from Abbey Life regarding enhanced annuity. They state on the bottom of the letter with the enclosed questionnaire - 'Abbey Life did not offer enhanced annuities, but one may have been available to you from another provider if you were eligible, and therefore you may be due compensation.' So we wrote to them saying we consider we may have been entitled to an enhanced annuity via an Independent Financial Adviser. (They do say this question
  2. Good Morning, I'm seeking some advice/direction from you for my mother following my fathers death in 2014. Her mortgage started in 2002 and was called a Natwest Foundations Mortgage, it was effectively an arranged credit line that allowed you to borrow up to the value of the property and pay off extra amounts when suited. Natwest withdrew this product and started locking peoples money in, there was widespread complaint online about this. At this time from research, many customers moved to other products offered by the bank however my father insisted he was staying on the product. Still to
  3. Hi all, I have been refused life and income insurance by legal and General after they rejected me based on my medical report. I had cancer 17 years ago, not an aggressive tumor and my consultant is positive it will never come back. It was a very rare tumor and only a specialist consultant would know the details. Basically they have took one look at my report and refused me. Can I appeal? Can I request to see their report (not my medical records but why they refused me) Can anyone recommend an insurance company? Thankyou!!
  4. I have an ex Friends Life with profits investment bond now under the ownership of Aviva. This was transferred to me by my mother. Over the past three years I have made a number of successful partial withdrawals on the policy without issue. This all changed when in early September of this year, I submitted another partial encashment for £3000. After not receiving the money within 10 days I contacted Aviva and was told that due to a technical issue sufficient units could not be cancelled to action a payout. Therefore, the process was delayed. To exacerbate, the issue, I had a buil
  5. Hi I signed up to a gym in august this year. I was pressured into signing & have been a few times. I have tried cancelling with letter from GP stating due to anxiety i wouldn't be able to attend anymore. I heard back from ashburn saying they would hold my membership & add unused months onto end but i would have to continue payments of £51 per month. It is now making me ill & my consultant has written a letter stating i will not be able to attend anymore due to lifelong illness (ulcerative collitis). I fear i am going to have issues cancelling so any advice
  6. Hi I have received a letter from Zurich saying they have mis calculated my payments since 2004. Giving me two options a refund + interest or keep paying what I am and increase cover Can anyone send me link to interest calculator please had it on my old computer which is long gone. Smiles OSW
  7. Hi all I hope that somebody an assist with a money claim online against FedEx. It concerns a package that was mailed by my wife and I from the UK to India. It contained life saving medicine for our cat. Unfortunately it was delayed –FedEx admits liability for the delay – and it meant that the medicine was no longer viable. It was specially packaged in insulated wool with ice packs which kept it temperature controlled for 72 hours. FedEx have refunded the £177 that we paid them for carriage but we have had to pay another £207 for the medicine (its original cost) plus another £50 or so f
  8. Hello, I just found this site and it looks like a godsend as I was recently banned from Sainsbury for shoplifting items to the value of £20. the security guard took my name and address and gave me a standard banning letter. I paid for the items fully and was lead out of the store by the deputy manager. It was a shaming and stupid act, after a day from hell during a rock bottom period of my life.I now understand the meaning of the term "Cry for help". Anyway No police where called at the time, and I therefore didn't receive a caution or spot fine demand. I then read the standard banning letter
  9. Hi, I was repo'd 4 years ago but have nothing showing on my credit file and can't see anything on the registry trust website for either of my two previous address including my repo'd address. The whole court case dragged on for a couple of years as we tried to sell the property but eventually the court granted the decree for repossession. The mortgage no longer shows in my credit file (previously showed as settled although there was negative equity when bank sold it) having checked on noddle, clearscore and checkmyfile. Where are repossession decrees recorded in Scotland?
  10. Hi all Had a standard life endowment back in 1989 , stopped paying it probs 10 year into it, not got any details of old policy , is there anyway I can get policy details from standard life cheers
  11. go after Aviva as the under writers then. http://www.consumeractiongroup.co.uk/forum/showthread.php?473350-Aviva-as-Underwriter-PPI-Endeavour-Personal-Finance-HSBC&p=4985203
  12. Apparently he had repeatedly asked how much he had been overpaid/overclaimed and he never received a response. He was terrified that he would be £thousands in debt. Another tragic victim of the benefit system http://www.mirror.co.uk/news/uk-news/coal-miner-took-life-after-10477308
  13. Hi, I'm a new user here. I was caught stealing 4 items worth £1 each from Sainsbury's. This is my first time shoplifting (I'm obviously not very good at it) and it will be my last as I'm completely in pieces about it, and I have learned my lesson but I won't go into all that. They issued me with a letter saying that I'm BANNED from ALL Sainsbury's stores FOR LIFE. They didn't pass my details on to the police, and I'm grateful for that. I can't begin to explain how debilitating this is for me. I know I caused it myself, but I shop for my partner who can't lift. I
  14. Apologies if this is in the wrong forum, I have spent many hours going back through statements and other related paperwork. I have kept every scrap of paperwork so have proof of everything I refer to below. I would appreciate your help in what to do next. I have tried to summarise events as best I can. The things that stand out to me are the Mortgage Protection & Income Protection did I really need both and that Norwich Union would pay the bank commission for arranging the policy. There just seems too many Critical Illness/Life policies at this time the total we owed around this perio
  15. Hi everyone, i would like some advice please I have had an insurance policy for 11 years and i am claiming under the permanently disability rule that I can no longer do my job. I have now been informed by the hospital that i will have to wait 55 weeks for my operation which means that it will maybe be February 2018 before i get the operation.. I will then be on the sick for about 14 months with only benefits to keep me going. After the operation I will have 2 months recuperating time and even then I might not be able to go back to work . Is there anything tha
  16. Hi, I have just been banned from all Tesco stores for life and had my key fob taken off of me. I was using the click and scan device and had not realised an item had not scanned. The security guard stopped me as i was leaving the store (in a panic as I thought my phone was sitting in the centre console of my car). I was taken through to the back room and had my photo taken (without me knowing), had my driving license copied and my key fob removed from my possession. The lady said she was about to finish her shift and she didn't really want to call the police. I explained that
  17. Good morning, My father has asked me if it is possible to reclaim a life insurance policy which he took out with Friends Life, actual policy was with AXA Assurance). When my father took out the policy he was not aware that the policy expired after 12 years (policy was taken out in 2004 and expired in 2016. He thought the policy was for the rest of his life and would pay out enough on his death to cover funeral costs etc. I have asked him if he recalls receiving any documentation confirming this either from them directly or through the post and he does not recall receiving anyth
  18. http://www.thisismoney.co.uk/money/saving/article-2895425/Lloyds-life-misery-insisting-DEAD.html
  19. Please forgive the length of this post. Very stressed mother of 20, 18 and 14. 18 year old staying on foster child. All in uni, college. Husband primary carer for looked after child. We rented the same house for 13 years, initially through an agent, but the landlord took over himself for the last 3 years. He was a pain and kept increasing rent every 6 months. We should have moved, but, children, work school etc. He issued a section 21 notice at which point we started looking for somewhere to live. I lost £750 in deposit and referencing fees. I have to admit
  20. Hi, My partner has had an agreement with IDEM services for a repayment plan of 95 pounds. She was diagnosed with Parkinsons in January. She has been without work for 2 years and now she must accept early retirement as she is no longer capable of working. We wrote to idem and her other creditors asking to reduce the figures to a token 5 pounds of which all but idem agreed. I will fill out and income/expenditure form for her to send, as now I am the only earner in the house and so am responsible for all expenses. is there anything I can do in order to get them to drop t
  21. Hello, i discovered I have a CCJ, i was not aware of this, as I no longer live at the address, and only get my mail periodically. My question is this:- The CCJ was applied for by Bryan Carter Solicitors, it has now been transferred to Lowell Solicitors. Is that allowable? Secondly, I notice that a large part of the CCJ was made up in charges and interest which would have wiped the total amount of the CCJ. Can these be reclaimed back? Thanks.
  22. Hi everyone, I'm hoping all you knowledgable folk on here can offer your assistance . I started a part time job last year. During the interview, I explained that I was looking for part time hours to enable me to pursue a hobby, which I also get paid for, not much but I do it because I love it. I don't claim any credits or anything like that, money isn't everything to me. They were receptive to this and liked hearing about it. They also explained to me that sometimes they may ask that I do some overtime during heavy workload periods, not often, just an hour or so here and there, which
  23. Hi Everyone.....it's my first post here, I hope someone can give me a little bit of advice Yesterday lunchtime there was a huge knock on my door, answered the door and was greeted by what looked like 2 police officers (all in black, stab proof vests, walkie talkie) - my heart was in my mouth. They asked to speak with my husband (who wasn't in). They showed a badge and advised they were enforcement agents from the court to collect a debt for an unpaid council parking charge from 2014. Total amount owed £422. One of them radio'd to someone to tell them "st
  24. Hello CAG I haven't posted on here for a while, hoping you can help. I’m writing to complain about the way Barclays have reported the payment history on my Mortgage. I recently applied for a credit card and got refused; I signed up to ‘Credit Expert’ and spoke with one of their representatives who said the reason I was declined was probably because I have not been keeping up with my mortgage. Although I have had some difficulty in the past when I lost my job in 2009, I have not missed a mortgage payment in over six years so I thought this was odd. In 2009 I lost my job and
  25. Hi My parents wanted to close down their investment accounts with Standard Life and have the money in their banks so they could access their money more easily. They are in their 80s and are not that bothered about earning interest. We wrote to Standard Life, at their request, quite clearly stating which bank account to deposit the money. They paid the money, £27,500, into the wrong account. They paid it into a joint account, which is shared with my brother. Because my brother has been helping himself to the money, we have had to use my Dad's sole current account for any depos
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