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02 Feb 10
06:19
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Date Joined:
23 Jan 10
Couple of crafty tricks Nationwide get up to with my mortgage.
1. House insurance and payment protection is also with Nationwide but is charged to my mortgage account thus becoming another loan and increasing the interest, why is it not debited from my current account ;)
2. Mortgage payment is debited from my current account on the 1st it is now the 2nd and still the mortgage balance has not decreased making the daily interest higher than what it should be ;)
small things but they must all add up ;)
1. House insurance and payment protection is also with Nationwide but is charged to my mortgage account thus becoming another loan and increasing the interest, why is it not debited from my current account ;)
2. Mortgage payment is debited from my current account on the 1st it is now the 2nd and still the mortgage balance has not decreased making the daily interest higher than what it should be ;)
small things but they must all add up ;)
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The company who took over the Halifax Estate Agency are a bunch of tightwads.
They have two company names which they allocate to different offices.
The less busy, and therefore less financially succesful offices are under one name and they remain on virtually the same salary.
The ultra-busy offices, my mrs works in one, where commision is high, have gone under the other name, and have had a major change in salary, resulting in a net loss of at least £150 per month. (She only works two days a week)
The union are now involved but if they get no joy, all staff at my mrs office are handing in their notice.
They have two company names which they allocate to different offices.
The less busy, and therefore less financially succesful offices are under one name and they remain on virtually the same salary.
The ultra-busy offices, my mrs works in one, where commision is high, have gone under the other name, and have had a major change in salary, resulting in a net loss of at least £150 per month. (She only works two days a week)
The union are now involved but if they get no joy, all staff at my mrs office are handing in their notice.
Beware of insurance !!
Reckon my post is of interest too!
As with ANY 'insurance' company MAKE SURE you are covered and the SMALL PRINT is fully read. (Even throw some scenarios at them, and insist on "IN WRITING)
The insurance industry, eg/ Home Contents, Property, Car etc etc, these companies are only interested in making MONEY so be very careful what you agree to. In my experience with a poperty insurance policy I had was disputed by an element that I still do not understand. Companies couldn't care less if you have a health issue. Money is their obsession and they will try and get out of paying up in the rare event of a claim.
Another example was with my home contents insurance. My freezer food was apparently covered however there was an 'excess'. This means that YOU pay a stipulated amount FIRST from your own pocket before the 'Insurance' kicks in. In my case the excess was 30 pounds. I have no more than 20 pounds worth at any one time so the insurance company won't pay!!! But they are quite able to take the money from you no problem.
I could go on but I'm sure you all get the idea the point I'm making.
Remember: Look after YOURSELF
Reckon my post is of interest too!
As with ANY 'insurance' company MAKE SURE you are covered and the SMALL PRINT is fully read. (Even throw some scenarios at them, and insist on "IN WRITING)
The insurance industry, eg/ Home Contents, Property, Car etc etc, these companies are only interested in making MONEY so be very careful what you agree to. In my experience with a poperty insurance policy I had was disputed by an element that I still do not understand. Companies couldn't care less if you have a health issue. Money is their obsession and they will try and get out of paying up in the rare event of a claim.
Another example was with my home contents insurance. My freezer food was apparently covered however there was an 'excess'. This means that YOU pay a stipulated amount FIRST from your own pocket before the 'Insurance' kicks in. In my case the excess was 30 pounds. I have no more than 20 pounds worth at any one time so the insurance company won't pay!!! But they are quite able to take the money from you no problem.
I could go on but I'm sure you all get the idea the point I'm making.
Remember: Look after YOURSELF
Still no sign of my mortgage balance decreasing although the money was debited from my current account 0n the 1st ;)
how do u know ur mortgage balance on a daily basis? obv you could phone and enquire, but as this is quite time consuming/annoying....im guessing its not this?
Depends if you're the complianing type but a few suggestions..
('Top loaded' insurance is disgusting by the way and the FSA should force banks to refund the lot)
1. Write to them saying you think you may be a victim of mis-sold payment protection insurance - either now or when it's finished. It's actually quite difficult for banks to disprove and there are even cases of people CLAIMING on their insurance and then later winning a mis-sell case!
2. I think this breaches the direct debit guarantee. The debit and credit are both supposed to happen on the 3rd day of the cycle. The credit should be set up for your due date and Nwide have to notify you if they want to change the debit date.
('Top loaded' insurance is disgusting by the way and the FSA should force banks to refund the lot)
1. Write to them saying you think you may be a victim of mis-sold payment protection insurance - either now or when it's finished. It's actually quite difficult for banks to disprove and there are even cases of people CLAIMING on their insurance and then later winning a mis-sell case!
2. I think this breaches the direct debit guarantee. The debit and credit are both supposed to happen on the 3rd day of the cycle. The credit should be set up for your due date and Nwide have to notify you if they want to change the debit date.
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