http://www.moneysupermarket.com/community/forums/TopicsNotAnswered.aspxPosts that are unanswereden-USCommunityServer 2.1 (Debug Build: 0.2)http://www.moneysupermarket.com/community/forums/t/aol-nightmare-39849.aspxSun, 22 Nov 2009 14:25:34 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:169352annemaried0http://www.moneysupermarket.com/community/forums/t/aol-nightmare-39849.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=104&PostID=169352 Hi all had a 18 month contract with aol which was due to expire in july 2009,so i went searching for a better package (and a faster one). i got a good deal with bt and the new homehub i was impressed with but i needed a code from aol to switch so i called them ended my account (which was now payed into the 19th month) got my mac code and was about to switch online when the fone rang, here was aol asking why i was leaving and giving us a better deal, the man was hard to understand but very persistant, still not impressed with the speed of there service i declined saying no thanx i was going with bt and i didnt want there package. my DD was set up for BT, while i was at the bank i cancelled my DD for aol. AOL the following month rang saying they couldnt get money from my account "of course u cant" i said " i am no longer with u " full of apologies they hang up. this happened a few times. i now have a debt collectors letter in front of me demanding £145.. ive tried calling aol a few times, they say all there calls are recorded yet they cant find the one which we said" no we dont want it thanx but no thanx" they want e mails of confirmation that i signed up to something that i never did, god knows what i should do, any suggestions anyone ???? besides paying !!! http://www.moneysupermarket.com/community/forums/t/if-your-look-for-a-new-telephone-39835.aspxSat, 21 Nov 2009 11:34:46 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:169277ACALDIN0http://www.moneysupermarket.com/community/forums/t/if-your-look-for-a-new-telephone-39835.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=69&PostID=169277have a look at the Hero by HTC on orange its fantastic its the best phone i have ever owned its got everything from a small tv to a compact little computer as well as being a mobile. The applications are endless and every day a new app is released on google apps free. Its smaller than the apple but faster and more compact and has many more features.I owned a blackberry curve before and thought that was good but this is just something else HTC HEREOhttp://www.moneysupermarket.com/community/forums/t/why-you-need-cover-before-hitting-the-slopes-39825.aspxFri, 20 Nov 2009 15:51:28 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:169242Community0http://www.moneysupermarket.com/community/forums/t/why-you-need-cover-before-hitting-the-slopes-39825.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=138&PostID=169242 It can cost thousands of pounds if you fall on the ski slope and have to be airlifted – cash few of us have to spare. Yet more than 300,000 take the risk and head off for a ski or snowboarding holiday this winter without any travel insurance... Click here to read Liz's article Has this happened to you? How much did it cost? Are you a skier or snowboarder who is prepared to risk going without being fully insured - if so, why? Click reply and let us know... http://www.moneysupermarket.com/community/forums/t/how-savers-can-beat-rising-inflation-39823.aspxFri, 20 Nov 2009 15:43:55 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:169239Community0http://www.moneysupermarket.com/community/forums/t/how-savers-can-beat-rising-inflation-39823.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=133&PostID=169239 Inflation has started to rise again but interest rates are still at rock bottom making it harder for savers to make a positive return on their money. But there are accounts that beat the effect of tax and inflation... Click here to read Clare's article What do you think? Are you having trouble getting a good return on your savings while interest rates remian low and inflation rises? We'd love to hear your thoughts... http://www.moneysupermarket.com/community/forums/t/debt-consolidation-loan-advise-reqd-39759.aspxTue, 17 Nov 2009 22:31:24 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:168955iand7770http://www.moneysupermarket.com/community/forums/t/debt-consolidation-loan-advise-reqd-39759.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=129&PostID=168955 Hi all.. was wondering if anyone can help me please? Im getting worried about my financial situation and just about keeping my head above water with my mortgage, loans and min. card payments. Im hoping and need to get a loan which will reduce my monthly payments whether it be 5, 7 or even a 10 yr term. I applied for 2/3 loans with different banks about 10 mths ago and was declined. Looking back now it was probably not the best time to apply as the bank werent lending to their best customers due to the recession. Since then I have been late with a few card pmts but everything else i have somehow made on time. I am aware that everyones circumstances are different but was wondering whether anybody knows of any high street banks or supermarket co's that have recently approved such loans for them and would be able help myself. I do own my own property but a secured loan is out of the question and a debt management programme would mess up my credit file for any future borrowing so an unsecured loan is the only option for me. My situation is getting serious now so would appreciate any help / advice anyone out there could provide. Thankyou in anticipation. http://www.moneysupermarket.com/community/forums/t/o2-open-and-iphone-39576.aspxTue, 10 Nov 2009 16:22:55 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:168304richbk0http://www.moneysupermarket.com/community/forums/t/o2-open-and-iphone-39576.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=69&PostID=168304 Through my place of work I can obtain an O2 Open code which entitles me to a discount on O2 tarrifs. I called the O2 helpline prior to taking out contracts on 2 32g 3GS iphones to ask whether the code could be applied to those tarrifs. I was told they wouldn't be able to do it in the shop but if I called back to O2 after taking out the contract, they would do it. Now, having taken out the contracts in September, I'm being told that the discounts don't apply as they are 3GS phones and the only people entitled to discounts on the 3GS tarrifs are O2 employees. I have said I want therefore to return the phones and get a refund as I took out the contracts based on a misrepresentation but have been told that I have had them too long. Anyone got any similar experiences or can give me some advice as to where I stand re refunds etc? http://www.moneysupermarket.com/community/forums/t/ipod-losing-albums-39495.aspxFri, 06 Nov 2009 15:31:57 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:167979squiggles0http://www.moneysupermarket.com/community/forums/t/ipod-losing-albums-39495.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=52&PostID=167979 Afternoon, I seem to be having problems with my Ipod, whilst uploading some albums last night, i've discoverd that at least five of my previous albums have disappeard off my ipod completely and they won't go back on! They are still accessable through itunes and they were on my ipod, and worked fine for ages, there is also plenty of space on the memory! I was wondering if anybody else has had this issue? or if there is a fix available to sort it? Squig http://www.moneysupermarket.com/community/forums/t/savings-39397.aspxMon, 02 Nov 2009 18:41:07 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:167566basie0http://www.moneysupermarket.com/community/forums/t/savings-39397.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=6&PostID=167566 I have around £100k to put to good use in this difficult age of low returns. I already have around £190k in isa's such as special situations etc. Because of our need to use the monies I need to be able to get relatively easy access without penalty.I would prefer to keep away from fixed bonds and so forth. Looking at yields in products such as money builder growth fund,growth income fund and money builder it would seem that perhaps splitting the £100k across these 3 or even putting rainy day money into Tesco easy access might make sense.What about tax implications? Thankyou Barry http://www.moneysupermarket.com/community/forums/t/life-and-critical-illness-cover-commission-clawba-39240.aspxTue, 27 Oct 2009 07:51:08 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:166932Campbell C0http://www.moneysupermarket.com/community/forums/t/life-and-critical-illness-cover-commission-clawba-39240.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=166932 I have just re-mortgaged my home and have revisited my various insurances with the broker. In short, he has recommended a life cover/critical illness product where he receives commission of about £2000. However, he wants me to sign a letter agreeing that if I cancel within four years he will clawback the commission he has to pay back to the financial organisaiton from me. This seems very strange indeed to me - and frankly wrong. I am, in effect, guaranteeing his commission and I don't see why I should. I have never heard of this before - is this now industry standard practice or if I go elsewhere will I be able to get the same deal without this? http://www.moneysupermarket.com/community/forums/t/general-mortgage-advice-39230.aspxMon, 26 Oct 2009 13:27:26 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:166884b56c0http://www.moneysupermarket.com/community/forums/t/general-mortgage-advice-39230.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=5&PostID=166884 I know the final decision will have to be mine, but what are your views about fixing or not? My mortgage ends this month and I'm looking at trackers versus 2-year fixed deals. Also just wanted to clarify something on the comparison sites. If the products are ranked in cost (low to high) over the 2 year term, then why in the next to last column - overal cost for comparison - are these percentages not also in the same low to high order? Here are a couple of examples: Example 1: cost over 2 years: 9249 initial rate: 4.39 then 4.24 overall cost for comparison: 4.3 Example 2: cost over 2 years: 9324 initial rate: 3.79 then 2.49 overall cost for comparison: 3.1 The first has no arrangement fee and the second has a fee of £999. Since the rates in example 2 are lower I expected the cost over the term to be lower especially as I thought that the overall cost for comparison column would have factored in the arrangement fee. Please advise. http://www.moneysupermarket.com/community/forums/t/03-numbers-39013.aspxThu, 15 Oct 2009 08:14:42 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:165996winyard0http://www.moneysupermarket.com/community/forums/t/03-numbers-39013.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=68&PostID=165996I've just been taking a look around the net at some of the companies that provide 03** numbers and there is quite a variation in the charging structures. Is there a reliable company that has a fair pricing plan to obtain one of these numbers?http://www.moneysupermarket.com/community/forums/t/25-rise-on-top-of-inflation-38873.aspxFri, 09 Oct 2009 08:09:32 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:165447Twee0http://www.moneysupermarket.com/community/forums/t/25-rise-on-top-of-inflation-38873.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=70&PostID=165447 OK - Who thinks that energy companies have the right to rip us off any more ? With their vast profits (already overcharging us) - apparently, they need to increase our charges another 25% on top of inflation to improve their infrastructure over the next 10 years - this cannot be right and I believe that we need to fight back against these bullies ... They claim that £200billion will be needed by 2020 - I say "OK - use your present profits" British Gas (alone) made almost £2 billion last financial year !! And did this bring the costs to us down much - I think not - their managers still get huge salaries and bonuses and this can't be allowed to continue..... http://www.moneysupermarket.com/community/forums/t/lifestyle-protection-insurance-and-added-years-qu-38693.aspxThu, 01 Oct 2009 22:39:57 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:164749Jyoti0http://www.moneysupermarket.com/community/forums/t/lifestyle-protection-insurance-and-added-years-qu-38693.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=164749 I took out lifestyle, or income protection insurance with the Post Office, about a year ago. It stipulates that you can't claim after you finish work at the end of a temporary contract. I wasn't worried as I am on a permanent contract with a local authority. I have recently been informed that I am soon to be been made redundant. I was relieved that I'd taken out the insurance. However, the local authority has now put me on redeployment and most of the jobs coming up which would be ring fenced would be short term contracts i.e 6 - 9 months. These would at best give a chance to be on the redeployment list that much longer and get another contract. If I accept and If I keep paying my insurance each month will I still be eligable to claim the insurance after the temporary contract/ s end? If not, and as I took out a large amount of insurance, it might now actually be better for me to turn down the temporary role so I'm still eligable for the insurance but I'd rather stay working if I can. Also I have 10 years of LGPS pensionable service. I am 52 now and eligible for redundancy pension when I get made redundant in Jan 2010. In April 2010, the minimum age for getting a redundancy pension increases to 55. If I get just one 6 -9 month contract, which would end by about August 2010, I will not get a redundancy pension LGPS confers flexibility on the employer to add up to 10 years extra pensionable service and / or increase the pensions up to £5000. ( Legislation in the shape of both The Local Government Pension Scheme (Benefits, Membership and Contributions) Regulations 2007 and The Local Government (Early Termination of Employment)(Discretionary Compensation)(England and Wales) Regulations 2006 permit employers to either enhance pensions or provide compensation in the event of redundancy or retirement in the interests of efficiency of the service.) HR say that the borough has no policy in place. I have been told by HR that for employer discretion I need to write to the dept justifying my exceptional circumstances. Any pointers would be much appreciated I'd be glad of any advice on this. Thanks. http://www.moneysupermarket.com/community/forums/t/shared-equity-mortgage-38442.aspxTue, 22 Sep 2009 13:05:26 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:163860DAN2004770http://www.moneysupermarket.com/community/forums/t/shared-equity-mortgage-38442.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=5&PostID=163860 Hi, I am currently renting a property in Scotland. We would like to buy the property, however we do not have a deposit saved. The owner of the property would be willing to take a shared equity in the house to enable us to make the purchase, is that possible. So the value is £500,000, and we will buy 70% of the property for £350,000. The current owner (Private not a contractor) will retain 30% equity until we sell the property. Is this legal? and if so can i get a mortgage on that basis? Thanks Dan http://www.moneysupermarket.com/community/forums/t/short-term-remortgage-38440.aspxTue, 22 Sep 2009 12:41:51 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:163858curius0http://www.moneysupermarket.com/community/forums/t/short-term-remortgage-38440.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=5&PostID=163858Trying to downsize in flat market without much success and have seen a property I would like to buy, dont want to lose it so is it worth remorgaging present property to fund new purchase and repay quickly - I am 59 years old with joint income of £41000 and would need to borrow £135000 (against current value of £180000) at max repayment of say £1,100 per month with full repayment after say one year ?????http://www.moneysupermarket.com/community/forums/t/pcp-deals-38337.aspxThu, 17 Sep 2009 19:00:13 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:163418Edmo70http://www.moneysupermarket.com/community/forums/t/pcp-deals-38337.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=12&PostID=163418Can anyone advise how to sift through all of the best deals on PCP without having to trawl from one company to the next, or is this wishful thinking. Im looking at Audi A4 S-Line 2.0 TDI Multitronic and BMW 320d M Sport Auto. Any help would be hugely appreciated. Thanks in anticipation. http://www.moneysupermarket.com/community/forums/t/virgin-mobile-liberty-sim-rolling-contracts-38298.aspxTue, 15 Sep 2009 19:31:16 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:163197dmken0http://www.moneysupermarket.com/community/forums/t/virgin-mobile-liberty-sim-rolling-contracts-38298.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=69&PostID=163197 Hi everyone, I've noticed on the Virgin Mobile website, the Virgin Mobile Liberty Sim (Sim only package) £15 and £18 Rolling Contracts have had their number of minutes increased. However, I contacted Virgin Mobile to see if I'd get the new amount of minutes when my contract renewed automatically but was told it would not. So I recommend that you check the Virgin Mobile website to check your package and if it's affected, phone Virgin Mobile and get them to give you the increased minutes package. I know I will be. http://www.moneysupermarket.com/community/forums/t/remortgage-advice-sought-38109.aspxTue, 08 Sep 2009 10:05:53 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:162480MrSpade0http://www.moneysupermarket.com/community/forums/t/remortgage-advice-sought-38109.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=5&PostID=162480 Hello, I am coming to the end of year 2 of my 3 year fixed term mortgage (£80000 over 25 years). Currently paying £507.18 per month at 5.75%. ERP is 1% plus fee (£160, I think). I am right in assuming; 1. It would cost me approximately £1160 (1000 + 160) to transfer to a new deal plus any set up fees? 2. Current mortgage offers available could me a saving of over £100 per month. Given the above, with the right offer, would it be a sensible time to set up a remortgage, or should I wait until the end of year 3? (I am in a strong financial position with secure employment) http://www.moneysupermarket.com/community/forums/t/flight-discount-codes-38081.aspxMon, 07 Sep 2009 12:17:53 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:162362fountainpen0http://www.moneysupermarket.com/community/forums/t/flight-discount-codes-38081.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=51&PostID=162362Im looking to book flights to Cyprus via Travel republic or any other airline - any discount codes welcome.http://www.moneysupermarket.com/community/forums/t/ex-pat-mortgages-37825.aspxWed, 26 Aug 2009 13:39:31 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:161154Relo0http://www.moneysupermarket.com/community/forums/t/ex-pat-mortgages-37825.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=5&PostID=161154Any ideas on who the best companies to speak to about arranging mortgages for overseas clients relocating to London?http://www.moneysupermarket.com/community/forums/t/national-savings-tax-free-savings-certificates-37451.aspxMon, 10 Aug 2009 12:18:11 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:159491graypower0http://www.moneysupermarket.com/community/forums/t/national-savings-tax-free-savings-certificates-37451.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=6&PostID=159491I am a high rate taxpayer over 65. Is it still worth my while holding on to my NS&I certificates based on bank rate plus RPI? What RPI is applicable at present? How often is the RPI re-calculated?http://www.moneysupermarket.com/community/forums/t/ftbs-good-news-37370.aspxThu, 06 Aug 2009 20:56:46 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:159164jayne610http://www.moneysupermarket.com/community/forums/t/ftbs-good-news-37370.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=5&PostID=159164at last my son and his partner have a mortgage they were turned down a few times because she has never had any credit before , their last chance was trying RBS having been turned down by NAT WEST who I believe are a part of a group, they do different credit scores so any ftb should try them,http://www.moneysupermarket.com/community/forums/t/want-a-financial-makeover-37355.aspxThu, 06 Aug 2009 14:55:40 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:159107Felicity King-Evans0http://www.moneysupermarket.com/community/forums/t/want-a-financial-makeover-37355.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=133&PostID=159107 Hello, If you are a regular reader of our news page, you've probably seen that we run financial makeovers - case studies where we save people and households hundreds (and sometimes thousands) of pounds. We want volunteers for future makeovers - we want you! We have a form and a questionaire for you to fill out, we ask for a picture for the article, and then our expert research team go to work finding better deals and money-saving financial products for you. Drop us an email at makeover AT moneysupermarket.com to find out a bit more. If you want to know what sort of information you'd be sharing with the world, have a look at some of our previous savers. Bride-to-be Kirsty could be £2,150 a year better off The Milazzo family save £1,258 Single mum, Emma, saves £580 a year We look forward to hearing from you. Cheers, Felicity http://www.moneysupermarket.com/community/forums/t/bradford-amp-bingleymort-express-porting-mortgage-37107.aspxWed, 29 Jul 2009 11:31:14 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:158158Paul D0http://www.moneysupermarket.com/community/forums/t/bradford-amp-bingleymort-express-porting-mortgage-37107.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=5&PostID=158158 Hi I am just strating to deal with the nightmare that is Mortgage Express. I have £42K of defaulted credit cards that I am in arrangements with and £6K settled ccjs. Mortgage £290K through GMAC now B&B/MortExpress no arrears though payments have on occassion been a week late but always paid. Just been told house will sell for substantially more than expected, so I can I reduce mortgage to £192K and pay off all debt. However in fixed rate with B&B/Mort Exp at 4% and would be amazed if I get offered anywhere else. I am employed and on £70K a year all verfiable from payslips. Bad debt came about from being self employed my business which ceased trading a year ago. In first call to MExpress last week they said yes you can port the mortgage and on those figures we will lend £192K Talking to MExpress today gives me no confidence at all that they have any idea what they are doing. I am proposing to pay off all debt and stick a £30-50K deposit into property depending on final deal on my current house, yet not getting the impression they will give me mortgage of £192 despite me lowering their exposure by £100K and the LTV from 85% on the original loan to 79% on this plus payments of £1100 reducing to £664. Original mort was self cert this would be properly certified. Anyone else been this route before? Any comments gratefully received! how can I talk to an underwriter? http://www.moneysupermarket.com/community/forums/t/remortgage-high-net-worth-37106.aspxWed, 29 Jul 2009 09:58:08 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:158152pford750http://www.moneysupermarket.com/community/forums/t/remortgage-high-net-worth-37106.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=5&PostID=158152 Our current mortgage (bank base minus .36%) is due to come to an end in September. If we do nothing, we will revert to standard variable rate of 4%. Current balance is apx. 556,000 against a property of apx 1.2m Any advice on lenders worth targeting? Focus is on 2 yr variable rates.