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  1. Hi, has anyone out there heard of a company called dti who sold single premium mortgage ppi's back in early 2000. Any information on this company would be great. I took out a ppi with them in 2001/2002 and paid £3000 which was added to the mortgage when I came to make a claim I was told I couldn't as I was no longer working full time. This I was not told by the broker at the time as I would not have paid upfront. Unfortunately I have lost the paperwork so any info would be great. Thanks
  2. Hello, I am completely clueless and dealing with other stressful situations on top of a collision a couple of days ago. Other party's fault and my car is not worth fixing. I was asked to send in photos of car for evaluation purposes. Other party's insurance company offered to settle the case too. What do i have to look out for? I've read something about paying out premium. I have no idea what that is and I don't have time to deal with this as there are other very urgent pressing matters in my life. I was told something on the phone about my premium and no claims bon
  3. Hi I am in ESA support group and have just been awarded PIP last week. I live alone and no one claims carers allowance for me so I believe I am entitled to SDP. On the Gov website it says you don't need to apply as it will be added automatically. My question is does this actually happen?
  4. Guidance The Service Pupil Premium (SPP) READ MORE HERE: https://www.gov.uk/government/publications/the-service-pupil-premium
  5. Hi All, I am hoping someone can share experience or offer some advise. I set up an IT contractor insurance with Kingsbridge back in June when I was about to start my first contract role. The policy covered me for Professional Indemity insurance and I was quoted £45.00 a month. I agreed to the Insurance plan, two months later I got a better deal through my Accountancy firm I was dealing with. I cancelled the direct debit and notified Kingsbridge. I have now received a letter from Close Brothers Premium Insurance stating I owe them £384.00 for the full insurance poli
  6. I am currently in the process of a claim with Tesco Bank with regard to a single premium PPI policy added to a loan and interest charged on top of the total. I rang them today for an update (this is the seventh week of the claim) and I was informed that the final response letter is with their quality control team before sending it out to me, I was just wondering if this is a normal part of the process and if anyone has experience of how long the quality control team takes to release the letter. Also does anyone know what is the success rate for single premium claims?
  7. Hi all I currently get PIP and ESA. My father passed away in July this year,so I took over the tenancy and did a quick benefits check online, that is when I came across SDP. I have never heard of SDP before.So I rang the DWP in July this year and applied for it.I got it backdated to May this year, after doing more research I now believe I may be entitled to having my SDP backdated further. I was originally on DLA middle rate care and low mobility as well as Income Support before I was transferred over to ESA and PIP.I was transferred over from DLA to PIP last March.I was
  8. Hello I took out a two year contract with EE, in September 2016, on their 4GEE Max Plan, for £45.99 per month. That plan was £5 per month more than the one below it, as it allowed you to use your call and data allowance whilst in the EU. Awesome! Except that when I took out the contract, I was unaware that everyone would be getting EU roaming within their price plans on the 15th June 2017! Called EE and basically it's hard cheese. The only thing they will do is move me to one of their new 4GEE Max Plans and have allowance calls in USA, Mexico, Australia and New Zealand for an a
  9. Hi All, the main crux of my post is to ask if anyone knows why the DWP just simply ceased the Severe Disability Premium? In February 2017 the DWP confirmed my entitlement of SDP together with ESA, Disability Income Guarantee and Limited Capability for work for work (support group). Two weeks ago I received an identical letter from DWP stating; "We have looked at your claim again following a recent change. This is because of: a change in money coming in. There has not been any change, to any of my entitlements, at all. The last, previous contact I had from DWP,
  10. 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.
  11. Hi Every time I read about Single Premium PPI, I am always told that most financial institution will add the cost of the policy to the principle loan and pass both amounts to the borrower as said loan as per the credit agreement. If most do that, what do the others do? I ask as my partner a had Single Premium Policy which was deemed mis-sold however she never actually received the cost of the premium ie the premium was not added to the principle loan and deposited in her current account, although the cost of the Single Premium was added to the loan account to b
  12. 18th May this year I was awarded (like it's some kind of competition??) standard daily living rate, and enhanced rate mobility. This ''should'' kick start other payments into effect, namely ''severe disability premium''. However, due to the unique way in which the DWP acts with impunity and is answerable to no-one, the SDP hasn't materialised, no biggy really as it will be backdated to May anyhow, so in essence the DWP have a savings account for me. I tried to ring JCP today on the standard 0345 number, went through the lethargic condescending ''briefly tell us why you're callin
  13. As Premium Bonds celebrates 60 years since their launch in November 1956 National Savings reveal that there is still nearly £54m still to be claimed. In total 1.3 million prizes have not been claimed, but there is no deadline for bond holders to get their money. The largest unclaimed prizes, of which there are five, are worth £100,000 each. http://www.bbc.co.uk/news/business-37824834 You can check if you have any unclaimed Premium Bond prizes by entering your your Premium Bonds holder's number (not your Bond number or NS&I number) Here
  14. I live alone and are in receipt of ESA and PIP, daily living and mobility components both at the standard rate. I have been receiving these benefits for the last three years. I was recently informed that because of the above i should also be in receipt of a severe disability premium. I have never been informed by DWP about this premium and knew nothing of its existence until recently. I have now applied for this premium and have been granted it by DWP but there is a dispute over the length of time this premium can be backdated. On the DWP website it clearly states "Y
  15. Hi All, Have spent about £40 today hanging on to talk to a hotel chain reception on a premium number. I've still not managed to speak with anyone. Can a service provider just leave you hanging on when you call these numbers? Thanks
  16. Has anyone else noticed premium rate incoming texts on vodafone bill? Vodafone are obviously profiting from this as they collect the money, take a commission and then pass it on to the 'service' providers - apparaently I can't use a word that sounds like 'scrammer' Apologies if there is already a thread about this but i couldn't find it if there is
  17. On behalf of a friend, she need's advice with the following scenario please: She is a 35 year old female with a child. -she is joint owner of a property (about 33.3% share ownership with both her parents), she does not live their nor do they pay her rent for her share in the property. (no mortgage) -she is sole owner of a 2nd property that she currently lives in with her child (mortgaged) Her plan is to rent a property (and rent out her 2nd property) and is not sure how long it will take her to find employment when she relocated and therefore, may need help with rent......(
  18. Im looking for advice on what i can do next as im lost and just going round in circles. In october we noticed that for a £20.00 Sim only deal with vodafone the bills were coming in considerably high and occured a few bank charges because of this, We then proceeded to ask Vodafone to supply a full itemised bill so this could be investigated. It turns out that 3 x £30 were been taken from the account per month from September 2015 to December 2015 by a company using premium rate messages by the name of MiraGames. We began to query this with vodafone and was promised a full investigation
  19. Hello ,lovely to be back. Yes just a little bit about what i am recieving, since this year, and all income based . Had Pip awarded ,standered care for 4 years, also on Esa assessement phase , 9 weeks in. On severe premium disability too. What i am asking please is when i go for my esa medical,and say i fail, which i should not ,but you never know with them ,Would i lose the disability premium as it has been a godsend. Its Helping so much after being unwell for years with chronic joint pains and having little income, it really helps along with pip benefit with transport ,online
  20. Hello and greetings to all at CAG, I moved eight doors down the same road (upsizing) and Hastings have upped my annual premium by £131.82. When I queried this I was told that the underwriter (Advantage) take into consideration additional risk factors, such as flood risk, proximity to main roads, crime levels etc, hence the increase. I consider this increase to be out of proportion because there is no difference risk-wise to the part of the road I previously parked in. The only difference is, in fact, one letter at the end of my postcode. I feel I have
  21. Hi, I have a Home insurance policy with Premium Credit and the monthly premium is £21.12. This year there have been a number of failed direct debits on my account. Not all my fault as some were caused by Bank errors. For each failed direct debit £20.00 has been charged to my account plus a 'default notice'. This action is becoming expensive and has ruined my credit history. After reading the Consumer Rights Act 2015 Sections 61 to 76, I consider the £20 charge to be unfair for the late payment of an amount of £21.12 Is it worth an attempt to reclaim these u
  22. Hi all, Heres the context; So after days of trolling through various website and spending loads of hours on the phone. I finally found my insurance broker. I had previously gone to them for a quotation and an estimate came back at 4200 GBP however when I rang them to finalise the quote the representative on the phone informed me the price was 3700.00 GBP. She also read out and went through all of the information to double check all was correct, this included all of the previous claims fault or non-fault, all was fine. I ended up putting a substantial deposit down and my vehicle was i
  23. Hi Guys Long winded but will cut it down best I can, will start with the numbers loan 1 July 98 for £3000 PPI single policy of £443 added to loan (paid 46/60 payments) £144 of ppi refinanced by loan 3 loan 2 Dec 98 for £1400 PPI single policy of £198 added to loan (paid 39/48 payments) £50 of ppi refinanced by loan 3 loan 3 April 02 for £5000 PPI single policy of £1174 added to loan (paid 13/60 payments) £980 of ppi refinanced by loan 4 loan 4 may 03 for £7500 PPI single policy of £1762 added to loan (paid 11/60 payments) £1500 of ppi refinanced by loan 5 loan 5 may 03 for
  24. hi all , i Really do hate these insurance people i was 1 day late and HAD to pay the £30 charges , mine was due on the 27th November and inbetween having my therapy and seeing to my mother who has breast cancer and i had dentist that day but i STILL tried ringing them even off my mobile (god knows what the charge will be) then when i managed to get through before they closed they put the phone down on me , and they are not open till monday , not that will listen to me but im not paying anymore charges that are not my mistake , only recently lloyds bank had taken £194 in
  25. Insurers could be forced to come clean to their customers on how much they paid the previous year, to make it easy for households to check if their premiums have been pushed up significantly. Up until now, insurers have not had to tell their customers how much they have been paying when it’s time to renew, so it is difficult to tell whether the new premium is competitive or not. A study today reveals that few customers can remember off the top of their heads what they had agreed to pay a year earlier and many just agree to roll over and pay for another year. The propos
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