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Joined: Mar 2010
Posts: 33
Newbeee
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OP
Newbeee
Joined: Mar 2010
Posts: 33 |
1st claim win! £1067 from a 3k loan from 2001. Get in the robbing gits.
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Joined: May 2012
Posts: 114
Enthusiast
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Enthusiast
Joined: May 2012
Posts: 114 |
Why do people get so excited about their OWN money?
It's not a win. You threw that and more away in interest by taking out the loan in the first place.
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Joined: Dec 2008
Posts: 5,444
Forum Veteran
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Forum Veteran
Joined: Dec 2008
Posts: 5,444 |
Buying a house through a mortgage is not throwing money away, I'm glad I did it now that I'm retired. Put in a PPI claim, just waiting for a result, if I get one. Nothing to lose by trying but I was sold PPI when it wasn't actually required. The salesman, being financial experts, advise to get it because they get the commission. They've come unstuck is all. Half the time they always found an excuse not to pay out anyway, much the same as the home insurance crowd.
By the way, if you're thinking of it don't go through these claim merchants either. Get the moneywise website and follow their drill.
Last edited by BandyCoot; 22nd May 2012 3:50pm.
Birkenhead........ God's own Room 101.
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Joined: May 2012
Posts: 114
Enthusiast
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Enthusiast
Joined: May 2012
Posts: 114 |
Agree with you bandicoot, a mortgage, IMO, is the ONLY thing you should ever need to finance. Obviousy theres a few business/financial reasons for taking like being able to borrow the money at a lower rate than you're getting on cash in the bank which may apply t large purchases by wealthy people or business but if your the avg Joe an you can't afford a £10k motor without £2k down and rest on finance then you have no right to be in a £10k car, for example - you should be in the £2k car.
People taking out loads of loans in the past is the reason this world has gone into meltdown.
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Joined: Jul 2012
Posts: 80
Member
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Member
Joined: Jul 2012
Posts: 80 |
Hi do you know anything about claiming back bank charges.
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Joined: Jul 2012
Posts: 80
Member
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Member
Joined: Jul 2012
Posts: 80 |
not everyone is lucky enough to have cash, it's usually out of desperation people take out loans, and although they may be able to manage the payments at the time, circumstances often change, and that's when the trouble begins. it's a case of (there but for fortune) I'm afraid.
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Joined: May 2010
Posts: 3,447
Forum Guardian
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Forum Guardian
Joined: May 2010
Posts: 3,447 |
Hi do you know anything about claiming back bank charges. I found these very helpful every thing you need from templets to good advice` so get all of your bank charges or PPI back for yourself` Why give these Claim companies(who clutter up the process with false claims) 30% of your cash when they go through the same procedure as you can in 3 simple steps on this page http://www.moneysavingexpert.com/reclaim/bank-chargeshttp://www.moneysavingexpert.com/reclaim/ppi-loan-insurance
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Joined: Dec 2008
Posts: 5,444
Forum Veteran
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Forum Veteran
Joined: Dec 2008
Posts: 5,444 |
Result, got several K back. Washing machine and hoover both decided to go on the blink at the same time but what the heck, at least I've got the dosh to replace them now without too much pain. Whatever you do don't go through one of these claim companies, do it yourself. I didn't charge myself a fee.
Birkenhead........ God's own Room 101.
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Posts: 2,293
Joined: December 2010
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