http://www.moneysupermarket.com/community/forums/TopicsActive.aspxPosts with recent activityen-USCommunityServer 2.1 (Debug Build: 0.2)http://www.moneysupermarket.com/community/forums/t/reclaiming-national-insurance-contributions-26907.aspxFri, 24 Oct 2008 12:47:46 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:115936driver227http://www.moneysupermarket.com/community/forums/t/reclaiming-national-insurance-contributions-26907.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=64&PostID=115936Now that the government is reducing the number of qualifying years for a full pension to 30, will people who have already accumulated over that number be able to claim for the overpaid years? directgov.uk only mentions payments after retirement age.http://www.moneysupermarket.com/community/forums/t/current-account-after-bankruptcy-completed-1139.aspxMon, 02 Oct 2006 10:23:41 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:2836Petetong16http://www.moneysupermarket.com/community/forums/t/current-account-after-bankruptcy-completed-1139.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=7&PostID=2836My bankruptcy ended last November and I have been using a basic bank account since with no problems. But would like to have the use of a debit card again - are there any banks willing to provide this? I do not require credit/over draft facility. My current bank have said they will provide a debit card after 3 years. I am in employment. Thanks.http://www.moneysupermarket.com/community/forums/t/executors-saving-account-39834.aspxSat, 21 Nov 2009 11:16:07 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:169275executor2http://www.moneysupermarket.com/community/forums/t/executors-saving-account-39834.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=6&PostID=169275 I have discoverd that all high street banks view the Executor's account of a deceased peron as a 'business account' and pay virtually zero interest. This seems to be the case with the online savings accounts. Can anyone point me the direction of savings accounts that do not operate such an outrageous and usery policy? Thank you. Executor of deceased person. http://www.moneysupermarket.com/community/forums/t/100-secured-loans-with-poor-credit-39845.aspxSat, 21 Nov 2009 22:32:04 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:169326chips4free4http://www.moneysupermarket.com/community/forums/t/100-secured-loans-with-poor-credit-39845.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=3&PostID=169326 hi I need secured loan lending +100 % ltv as I have no equity (I also have 3 years old ccj) Anybody know of any lenders doing this. Only thing I have found is real personal finance unsecured at 85%apr but my personal limit is 15-18%apr max. No doubt some moron will say lending over 100% caused all this mess, but I am young and loaded. http://www.moneysupermarket.com/community/forums/t/edf-gas-faulty-meter-39846.aspxSun, 22 Nov 2009 09:01:57 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:169339RINSO842http://www.moneysupermarket.com/community/forums/t/edf-gas-faulty-meter-39846.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=144&PostID=169339 We have just received a letter from EDF saying our monthly gas direct debit is to rise from £15 to £150 due to underpayment and to start in two weeks time!I have object about the notice and queried a faulty gas meter. EDF said meter was not faulty, would cost to have it checked (if proved not faulty) and money due was for used gas. On examining the accounts since taking our gas from EDF the only actual meter was the last. Has anybody any idea what the regulations say about maximum time between readings? I have checked and cannot see any “neighbours” connected to my gas pipe. I am taking Dailey readings for 7 days. We live in a two bedroom flat with a 4 year old condensing boiler, gas hob and the flat has cavity foam insulation and attic is insulated. We moved in 2003 and our gas direct debit has always been around £25ish. We had a new meter fitted end of last year. I have looked and the gas accounts and this year, 708m3 gas used in 270 days this I make to be 22,651kwh. And, this for a year is 30,622 kwh, and per day 88 kwh! Has any body any thoughts regarding: Has anybody any idea what the regulations say about maximum time between readings? What the average daily use is? Have I a faulty meter? http://www.moneysupermarket.com/community/forums/t/experian-credit-score-891-v12-finance-turn-me-dow-39641.aspxThu, 12 Nov 2009 15:57:59 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:168551Hipster16http://www.moneysupermarket.com/community/forums/t/experian-credit-score-891-v12-finance-turn-me-dow-39641.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=3&PostID=168551 I tried recently to obtain credit from V12 finance for a measly £300, only to be turned down flat. They, as usual, don't tell you why, but mention you should obtain your credit score from Experian, which I did. 891! A 'great' score. Why did I get turned down? I've never been turned down for anything in my life...is the recession that bad?? Annnoyed. http://www.moneysupermarket.com/community/forums/t/excess-insurance-advice-needed-39774.aspxWed, 18 Nov 2009 14:25:35 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:169013Struddy8http://www.moneysupermarket.com/community/forums/t/excess-insurance-advice-needed-39774.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=169013I have been looking into excess insurance, can anybody advise if this is a good product to take out and what are the pros and cons. http://www.moneysupermarket.com/community/forums/t/unenforceable-credit-card-agreement-help-please-33186.aspxMon, 23 Mar 2009 10:58:28 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:143364Nixxy99http://www.moneysupermarket.com/community/forums/t/unenforceable-credit-card-agreement-help-please-33186.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=129&PostID=143364 Hi, I'd appreciate all the help I can get. I've made a cca request, and it was received in the cc company on the 20th of Feb. I sent it recorded delivery. They have not sent a signed contract yet, so I've drafter this letter: Is it okay? Should I add or take anything away? FORMAL NOTICE - ACCOUNT IN DISPUTE Dear Sir / Madam Re: Account No: XXXXXXXXXXXXXXXXXXXX Re: my request under s77/78 of the Consumer Credit Act 1974. My request for a copy of my properly executed Consumer Credit Agreement remains outstanding. The Act demands that I be supplied with a true copy of any properly executed credit agreement that exists in relation to the above account. I may ask for this on demand providing that a fee of £1.00 is paid. This fee was sent with my original letter, which was received in your offices on 20th February 2009. My request remains outstanding. As you will know, under the Consumer Credit Act 1974, a judge is not permitted to make any enforcement order unless the creditor can provide a true signed copy of the original credit agreement. This means that unless you can produce such an agreement, this alleged debt is not enforceable in law. You had until the 7th of March 2009 to provide me with the true copy I requested. After that date you entered into default of my request. The time limits, which are laid down in the Consumer Credit (Prescribed Periods for Giving Information) Regulations 1983 are clear. You must supply an executed credit agreement within 12 working days of a proper CCA request. If you fail to comply with a legitimate request the account enters a default situation and if you fail to comply after a further 30 days you commit an offence. You entered into a default on 7th of March 2009. I respectfully request you review this matter in light of my comments above and I request that you supply me with the required information. Furthermore you should be aware that a creditor is not permitted to take ANY Action against an account whilst it remains in dispute. The lack of a credit agreement is a very clear dispute and as such the following applies. *You may not demand any payment on the account, nor am I obliged to offer any payment to you. * You may not add further interest or any charges to the account. * You may not pass the account to a third party. * You may not register any information in respect of the account with any credit reference agency. *You may not issue a default notice related to the account. I reserve the right to report your actions to any such regulatory authorities as I see fit. I respectfully request a reply within 14 days of the Date of this letter. Yours Sincerely http://www.moneysupermarket.com/community/forums/t/transferring-an-isa-39786.aspxWed, 18 Nov 2009 20:15:59 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:169058hattieB8http://www.moneysupermarket.com/community/forums/t/transferring-an-isa-39786.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=6&PostID=169058I have a one year fixed rate ISA which is about to mature. I already have a regular savings ISA for this year which does not accept transfers in. Can I open another ISA purely to transfer into (ie no new money invested) or do I have to wait to the next tax year and open one in which I can invest that year's allowance plus transfer in? http://www.moneysupermarket.com/community/forums/t/spillage-please-help-39681.aspxSat, 14 Nov 2009 01:08:13 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:168665m11c3http://www.moneysupermarket.com/community/forums/t/spillage-please-help-39681.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=17&PostID=168665Hi there, I've just been an absolute idiot and spilt milk all over my bed!! I have home insurance, contents, with Churchill and I was just wondering whether I will be covered? It is really beginning to smell and I've been sleeping on the sofa! I am totally new to the insurance game, and it is going through my parents policy as I live in their house. Currently there is another claim going through about a broken sink, in which my sister dropped a container of cream which cracked the sink! So generally wondering whether this can actually be claimed under home insurance and whether the other claim will affect it. Many thanks :)http://www.moneysupermarket.com/community/forums/t/currys-abusive-customer-service-29570.aspxWed, 31 Dec 2008 15:05:21 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:131288disheartened13http://www.moneysupermarket.com/community/forums/t/currys-abusive-customer-service-29570.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=99&PostID=131288I’m ashamed of those individuals who appalled me by their unprofessional attitude. I feel that if a security camera were present it would establish how a small minority of your staff intimidate customers & junior members of staff into verbally mistreating customers via the telephone. After 7 hours of ringing customer service and being humiliated I have no doubts in my mind that if a member of staff were to acknowledge and verify that my treatment was inhuman that they would only serve themselves with the punishment of losing their career’s and their future with your company. I only rang customer service to establish if I could borrow or have replaced a blu ray system which we bought in Aug/ Sept 08 and which had only been repaired in October 09. The engineer turned up at our home in Dec 08 but due to the presents we had bought our young old son for Christmas we were unable to allow him to take the blu ray away until after Christmas. I tried to explained to the customer service dept., that after the first repair of the blu ray which was repaired in Oct 08 in our home after having had to wait about 3 weeks for the part to arrive at the repair companies depot , that I had reported the blu ray not working properly again 2 days later Oct 08 . I established that since Currys had changed over repair companies that our records were lost. I was informed that I had according to their computer, only rang customer service in mid December 08 reporting the fault. Therefore I was not eligible to a replacement blu ray. I did not at this point realise that since we had taken out the extended warranty that we were entitled to a replacement because no engineer had arrived within 28 days of reporting a fault. I can prove that I did not ring customer service in mid Dec 08. (I am only assuming the entry on your computer must have been when someone updated our records) However I can prove the item was previously repaired and that I contacted customer support in Oct 08. However I was asked to prove that I had asked for an engineer to attend our home. I was informed that none of the previous repair history or our telephone calls reporting a further fault in the Oct 08 about the blu ray was passed onto our records from the previous repair company. My integrity was questioned. I did speak with a staff member who’s identity I am not prepared to disclose until I have written assurances that their treatment and their job/career within the company is secured can testify that my treatment was degrading. The staff member can further evidence that my records on the computer had been lost and that a supervisor had blocked every staff member within the customer service department from using their discretion to authorise a replacement. The staff member acknowledged that since I had questioned a supervisor albeit professionally and calmly having pointed out an error of honesty that they had took an exception to me and made it their business to ensure my mistreatment. I was ridiculed when I mentioned a disability I unfortunately have, by a supervisor who suggested I should not have rang up customer service until I was able to listen or speak sense with proof that I had reported the fault in Oct 08. I am a professional person and have never in my lifetime been treated with such disrespect. I am sure if there is justice those who I spoke too will let you know who they are by the barrage of comments they will have to say about me. If like me they tell you without oxygen (taking a breath of air) what a nightmare of a customer I was please take note of their demeanour and attitude. I can say with total honesty that I never raised my voice nor was I rude or sarcastic nor was I at any time, unprofessional. I am not in the habit of making complaints but even as I have left time to help heal my emotions before typing out this letter I am still feeling traumatised. http://www.moneysupermarket.com/community/forums/t/car-loan-insurance-39405.aspxTue, 03 Nov 2009 09:23:14 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:167596Puzzled11http://www.moneysupermarket.com/community/forums/t/car-loan-insurance-39405.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=12&PostID=167596 Hi all In 2006 I took a car loan with GE Money and never realized they charged me for an insurance/warranty loan of 9.02 per months that I never aknowledged or signed and most of all it is not mentioned at all in my agreement which made me even more suspicious So I went to a solicitor whom wrote a letter to GE's solicitor and they replied back stating that they were happy to take the insurance money I paid so far off the outstanding balance although they didnt cleary admit it that I was basically conned My question is: - Is this a breach of the Financial act and as a consumer what chances have I got to get this loan written off? according to them I have an outstanding 2.000 pounds to pay excluding the insurance premium which has been taken off Thanks from a stressed consumer http://www.moneysupermarket.com/community/forums/t/clearing-defaulted-credit-card-39166.aspxThu, 22 Oct 2009 13:40:16 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:166615TJ_London1http://www.moneysupermarket.com/community/forums/t/clearing-defaulted-credit-card-39166.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=4&PostID=166615Hello there, I recently was turned down for a couple of loans and started to wonder how this could be as I have never had any financial diffculties in my past. So I accessed my credit report from experian and one entry stood out. It was for a MINT credit card which had been defaulted.Looking into the matter further I found out that after I had moved address there had been a payment out of the card for £36. After I moved I thought my balance was still at £0, which it was beforehand. Since then I have been receiving reminders to my old address about this payment and then finally received the forwarded mail to my new address (first I'd heard of anything). Which I paid immediately and was settled. The account defulated after 3 months and then was stafised the very next month. The credit report states "satisfied". Now I know I should have either closed my MINT account down at the time or notified of my new address but I still feel that this mishap on my behalf is simply a mistake rather than me not being able to make the payments. As I said before I have had no late payments with any other cards or loans. Is this something that I can argue to get this default lifted from my report? Or is it something that I can only really add a note to my entry on the credit report? Also is this now going to affect me remortaging which I intend to do next year? Any advise would be appreciated.http://www.moneysupermarket.com/community/forums/t/i-want-to-insure-my-children-39294.aspxThu, 29 Oct 2009 11:20:44 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:167160october1http://www.moneysupermarket.com/community/forums/t/i-want-to-insure-my-children-39294.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=167160 I want to insure my older children, both are male, one is 19 years old and just gone off to university and the other is 22 years old and a budding actor currently working in the West End. They both want life cover and accident insurance but at the moment can not afford the premiums so I said I would pay for them. They think £100000.00 life cover would be enough but are not sure about levels of cover for accident insurance. I said I would cover the insurance premiums for 10 years after which time they can review levels and pay their own premiums. Is there a cheap health insurance available for them, or even better, a combined health, life and accident insurance we could consider. I also have a 30 year daughter who has not bothered to take out any life or accident insurance. Is it cheaper to have all family members covered under one policy ? Any advice please http://www.moneysupermarket.com/community/forums/t/bank-of-scotland-bank-charges-39819.aspxFri, 20 Nov 2009 12:05:01 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:169197ribena32http://www.moneysupermarket.com/community/forums/t/bank-of-scotland-bank-charges-39819.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=7&PostID=169197 Can anyone give advice on bank of scotland charges. I had 3 dd due out yesterday and I transferred the money into the account they were coming from on the 18th unfortunately I realised yest that I had put the money into my daughters act by a mistake and the ddebits have tried to be taken off, I contacted BOS this am and have been told its a case of bad luck silly mistake and I will have to pay the charges that will apply. I have spoken to BOS customer services manager and he has said they same I will have to pay the charges, he was quite aware that I had transferred the money and it was to the wrong acct, when i noticed my error which was last night I automatically put the money into the correct acct, but they are adamant there is nothing I can do about the charges as they refunded me a charge in July this year. I think this is pretty rotton of them considering they can see the money was there but in the wrong account. Does anyone know of anything I can do apart from close all my accts with BOS which they will not be bothered about 1 person closing them. No much wonder they can afford to give out all the cheap loans that they do. Really annoyed at myself but also with BOS. http://www.moneysupermarket.com/community/forums/t/rbs-amp-lloyds-what-do-you-think-39409.aspxTue, 03 Nov 2009 10:36:30 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:167602Graeme Delap1http://www.moneysupermarket.com/community/forums/t/rbs-amp-lloyds-what-do-you-think-39409.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=64&PostID=167602 As you'll no doubt have seen or heard, this morning's breaking news surrounds further financial stability measures for Lloyds Banking Group and Royal Bank of Scotland and their participation in the Government's Asset Protection Scheme (APS) which aims to protect banks from the full effect of 'toxic' loans. It has far-reaching implications for you and me and means yet another major bank shake-up. The government claim this means a significantly reduced risk for the taxpayer, but what do you think? Is this good news? Will it mean increased competition in the banking industry? Will you and I see any benefit? In summary: Lloyds Banking Group Lloyds, 43% of which is already owned by the taxpayer, has managed to avoid entering into APS but at a cost: it will have to pay the Government £2.5bn to simply avoid the scheme, sell-off 600 branches including the TSB brand and sell the Cheltenham and Gloucester mortgage brand and the online Intelligent Finance brand. They will also raise a further £21bn from a rights issue 'swapping' debt for capital. Royal Bank of Scotland RBS, unlike Lloyds, will enter APS - meaning £282bn of its assets will be insured by the taxpayer. There are other serious implications for the bank: it will cost them £700m per year to participate in the scheme and cost £2.5bn to leave. The government's stake in the bank will increase to 84.4% (although its ordinary shareholding remains at 70.3%). Over the next 4 years, RBS will sell its RBS branches in England and Wales, its NatWest brand in Scotland, RBS Insurance (including Direct Line, Churchill, Green Flag and Privilege), and its card payment company, Global Merchant Services. Clare Francis analyses this in more detail in her article ‘What will the bank break-ups mean for you?' Does this worry you and leave you concerned about the state of the taxpayer's involvement and the implications for the economy? Do you work in the banking industry and will be directly affected by these measures? Click reply to share your thoughts and have your say... http://www.moneysupermarket.com/community/forums/t/cashback-credit-cards-egg-mastercard-terms-39813.aspxFri, 20 Nov 2009 07:15:09 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:169170hawkeyemoney3http://www.moneysupermarket.com/community/forums/t/cashback-credit-cards-egg-mastercard-terms-39813.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=4&PostID=169170 Have been comparing credit cards with cashback. The egg Mastercard offers 1% cashback on all purchases up to £20K per year. But am I understanding their 'How Interest is Charged' paragraph correctly? It appears they charge interest on every purchase from the moment you use your credit card to the moment they receive payment (if paying your balance off in full which I always do) and then refund the interest charged the following month. Also I can't see where it says how and when you get your cashback. These two things make it very difficult to calculate whether this is a good deal or not. It sounds good (and straightforward) because its a straight 1% - or is it? Can anyone clarify this? http://www.moneysupermarket.com/community/forums/t/default-registered-with-cras-without-the-company-39842.aspxSat, 21 Nov 2009 18:00:02 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:169302Dreaming3http://www.moneysupermarket.com/community/forums/t/default-registered-with-cras-without-the-company-39842.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=129&PostID=169302 Hi all, I'm new here and looking for some advice.... After having obtained a copy of my credit reference files from all 3 agancies, I have noticed that I have defaults registered against me from companies who I wrote to in December 2007 asking for a sopy of my credit agreement, and paid the £1 statutory fee. All companies replied. Those who sent me a signed credit agreement, I have paid off either in full, or at an agreed settlement figure, and these debts are accurately recorded on my file. However there are a few who never replied and do not have my siganture, who have also recorded these defaults. My question is, how would I go about getting them to remove these? And is it possible? My thought is that it is against the data protection act, but I'm looking for some guidence before I go in all guns a blazing! Thank you in advance! http://www.moneysupermarket.com/community/forums/t/tesco-personal-finance-39831.aspxFri, 20 Nov 2009 15:52:12 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:169243basa484http://www.moneysupermarket.com/community/forums/t/tesco-personal-finance-39831.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=129&PostID=169243 huckster: Hi I think the loans Tesco made were under the Tesco Personal Finance guise, which at the time was a joint venture between Tesco and RBS. Tesco has since bought out RBS from this joint arrangement. Perhaps they are too busy arguing about who owns the debts to be bothered about chasing them. I don't think the divorce was very amicable, if the rumours are right. One of my creditors was Tesco PF. But now all the correspondence concerning this debt is headed RBS (with no mention of Tesco). Should I be looking for proof that this debt has been re-assigned ? I wonder if RBS (and thier gofers) even have a copy of the documents for this debt? http://www.moneysupermarket.com/community/forums/t/current-account-offset-personal-loan-39839.aspxSat, 21 Nov 2009 15:44:41 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:169291wpoates11http://www.moneysupermarket.com/community/forums/t/current-account-offset-personal-loan-39839.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=7&PostID=169291 Hi, Having just completed a major building works, we now have a fantastic mortgage deal that we don't want to touch, a regular chunky monthly income coming into 2 separate current accounts, but quite a bit of "soft" money outstanding on credit cards. Ideally, I would like to consolidate our two current accounts and have them offset against the amount currently bouncing around on balance transfers (we're about all out of introductory transfer options!). So - is there are a current account that is not over-burdened with monthly fees, which we can use to offset against a personal loan - probably a low 5-figure sum - to clear the credit cards? Thanks! http://www.moneysupermarket.com/community/forums/t/barclays-fixed-isa-39844.aspxSat, 21 Nov 2009 18:24:32 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:169304Morgster1http://www.moneysupermarket.com/community/forums/t/barclays-fixed-isa-39844.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=6&PostID=169304 My husband and I went to Barclays last November and both opened an ISA with them and were told it was at a fixed rate. Today we have received our statement and can clearly see the interest rate is variable and of course a lot lower than the rate of nearly 6% that we thought we had secured. Both my husband and I clearly remember the meeting we had at the bank and how we discussed with the lady that it was better to put our money into the ISA's rather than pay off our mortgage because the rate was so good. She even talked about how we were lucky as although the rate had just dropped that we were had still managed to get a good one. We went into the bank on the off chance that someone could see us today but they couldn't and the manager we spoke to said that they were all variable and it would have said this in our welcome letter. I definitely want to try and take this further as we both feel we were completely mis-sold these ISA's. Has anyone got any advice or similar stories? Thanks http://www.moneysupermarket.com/community/forums/t/open-market-equity-scheme-scotland-39567.aspxTue, 10 Nov 2009 11:59:29 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:168252jeannieb7http://www.moneysupermarket.com/community/forums/t/open-market-equity-scheme-scotland-39567.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=5&PostID=168252 My husband and I are pensioners,and live in a high rise flat which we bought with our savings . The flats were to be refurbished,and we were happy to have this done as there are problems with water penetration There are a lot of other elderly residents in the block who have lived here for years. The council however,have decided that the way forward is demolition,and building new flats,of which we will be able to purchase an equity depending on the valuation they put on our flats. At the moment they are talking figures of £30K .The demolition/rebuilding will take up to 10 years to complete,as there are 12 blocks in total in the area. We dont know whether we will be first or last,but do know that there will be a lot of stress,as we will be decanted out,other tenants will be decanted in etc,depending on where we come in the scheme.We have some savings which we could use to buy a house,but as we cant get a mortgage,we cannot find anything suitable,as we don't have enough.. If we used our savings to buy a property using the open market equity scheme,would they take the proposed value of the flats in to consideration? It would mean we have no nest egg or savings if they did this.No one seems to know the answer I have asked the local estate agent but they just said it was means tested and they take everything in to consideration Another one told us that as we would be eligible for an equity share in the new build flats,then this should apply to a property on the open market as well,and as long as we could pay the equity share then they wouldnt take the sale of the flat in to consideration.Our total pensions come to £1300 a month,so we cant afford to lose the money from the flat .We have applied for Council housing,but until there is an actual demolition order on this block of flats,then we don't have enough points for anything decent. Hope someone can advise us. Thanks Jean http://www.moneysupermarket.com/community/forums/t/childrens-savings-lumpsum-39843.aspxSat, 21 Nov 2009 18:02:27 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:169303maggles1http://www.moneysupermarket.com/community/forums/t/childrens-savings-lumpsum-39843.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=6&PostID=169303My 14 year old has 3500 in a lump sum sitting in a BS accout earning next to nothing. It is for University use if and when she needs it.What is the best way to get her as much interest as possible. She will not be using it for at least 4 to 5 years. http://www.moneysupermarket.com/community/forums/t/credit-cards-ppi-and-a-default-39836.aspxSat, 21 Nov 2009 13:24:31 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:169283WDC_19881http://www.moneysupermarket.com/community/forums/t/credit-cards-ppi-and-a-default-39836.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=4&PostID=169283 I've just received a default notice for my NW credit card. Last month I paid off my credit card when I received my salary, this was about 4 days before my monthly statement came through. This isn't usually an issue as I make sure not to pay anything with the card until the next statement period begins. However last month my PPi payment was taken out between me paying the card off and the statement being produced, giving me a final balance of £7.01 and a minimum payment of £5. Unfortunately I didn't realise this (my fault I know, should have actually read the statament property!) so now have a default (which I've since paid in my latest bill). After doing a bit of reading I've realised that I may well have been mis sold the PPi anyway so I'm going to be making a claim on this basis. My question is.... If my claim against the bank for mis selling the PPi is successful will I have grounds for getting the default removed from my credit file as it's there as a result of the PPi payment? Also... what's the best approach to take when looking to claim against mis selling of PPi? Thanks, WDC http://www.moneysupermarket.com/community/forums/t/santander-zero-current-account-39822.aspxFri, 20 Nov 2009 15:39:29 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:169238Community2http://www.moneysupermarket.com/community/forums/t/santander-zero-current-account-39822.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=133&PostID=169238 Santander is launching a current account which will pay 6.0% on balances in credit and charge no overdraft fees. Is it really as good as it sounds? Kate Murphy, researcher at moneysupermarket.com, takes a look… Click here to read Kate's article What do you think? Do you think this account is as good as it sounds? We'd love to hear your thoughts...