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/lemon-of-a-car-by-ford-dealership-39873.aspxMon, 23 Nov 2009 20:15:19 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:169501haisag0http://www.moneysupermarket.com/community/forums/t/lemon-of-a-car-by-ford-dealership-39873.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=16&PostID=169501Help! I brought a car in April this year from a local ford dealership. It was a ford fusion, 40,000 miles and we had an extended warranty of 12 months(04 plate). After 3 weeks the exhaust fell off. It took them 3 weeks to repair which they did under warranty. Then the cd player kept jumping and had to be replaced. In August a noise was heard in the car I took it back and was told it was because i was not used to Diesel!! After another 3 weeks of the noise getting worse I took it back again and the wheel bearing had welded to the stub axle costing me over 200 pounds. As soon as the colder weather came the car will not start in the mornings Two weeks ago the clutch went and I had to get towed home 50 miles. I took the car back to the garage and stated that they needed to either repair it free or swop it. They felt that they would not pay for the repairs but would exchange the car. Since this time they are only offering me cars worth 3000 even though I paid 5,000 for the car. Does anyone know what my rights are or what I am entitled too. As a woman I feel they are trying to dupe me!http://www.moneysupermarket.com/community/forums/t/do-go-go-hamsters-live-up-to-the-hype-39866.aspxMon, 23 Nov 2009 17:15:32 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:169479Felicity King-Evans0http://www.moneysupermarket.com/community/forums/t/do-go-go-hamsters-live-up-to-the-hype-39866.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=99&PostID=169479 Hi, Last week I wrote an article titled 'The 'dream dozen' toys of Christmas 2009' and mentioned Go Go Hamsters - tipped to be the biggest selling toy this year. No, this post isn't a shameless plug for my article (well, a little bit, but mostly not) - I want to hear from someone who's actually played with one of these robot rodents. All the footage I've seen of them shows them running around and squeaking if you push their nose-buttons. However, when I see the word 'interactive', I kind of expect something more like Furby. How do they interact? How 'clever' are they? I almost certainly won't find one for my five-year-old cousin before Christmas (I am not paying eBay £60 for a £10 toy!) but I am thinking of picking one up for his January birthday. Does it live up to the hype? Thanks, Felicity 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/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/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. http://www.moneysupermarket.com/community/forums/t/20-off-dominos-pizzas-37105.aspxWed, 29 Jul 2009 08:01:36 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:158145Twee0http://www.moneysupermarket.com/community/forums/t/20-off-dominos-pizzas-37105.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=51&PostID=158145 If anyone eats Dominos Pizzas - you may be interested in getting 20% off ? Just put in the code wmbfbbbn at the payment stage - when ordering on-line - this apparently is a STUDENT discount - but worked for me last night..... http://www.moneysupermarket.com/community/forums/t/bridging-loans-37084.aspxTue, 28 Jul 2009 11:59:32 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:158073soha310http://www.moneysupermarket.com/community/forums/t/bridging-loans-37084.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=5&PostID=158073I have £110,000 in cash to pay to a new property which is priced at £180,000.I also have my property which I think will sell for £120,000 but still have to put on market.I need a loan of £60,000 if my property does not sell in timescale as I do not want a mortgage.Can you advise on best loan type and Bank charges available?. http://www.moneysupermarket.com/community/forums/t/a-step-in-the-right-direction-37014.aspxFri, 24 Jul 2009 09:33:40 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:157812katkins0http://www.moneysupermarket.com/community/forums/t/a-step-in-the-right-direction-37014.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=129&PostID=157812 Morning all, Feeling a bit more positive this morning. Thought I'd post as my previous posts have all been doom and gloom. I have completed the debt remedy with CCCS and am awaiting my welcome pack from them. I have set up my new bank accounts so that my current bank cannot help themselves to pay off debts I have with them. I have set up another account so that I put money away each month for the road tax/maintenance/mot even dentists and prescriptions charges. For the first time in my life, I feel like I am taking steps in the direction of becoming debt free!!!! Don't get me wrong, I know there's a massive journey ahead of me and I'm still going to have to deal with the creditors calls and letters yet but I know that this is the only way forward if I want to be debt free in this lifetime LOL. Just wanted to give anyone who is feeling mega stressed (like I was week or 2 ago) a bit of a hint that there is a way forward and although its not all going to be rosy, admitting you are in trouble and seeking help is a step in the right direction. I actually feel a bit like I am getting some control back in my life.......admitting I am in trouble is the hardest but best thing I have done. Good luck people Kat x http://www.moneysupermarket.com/community/forums/t/sipp-cash-deposits-36904.aspxMon, 20 Jul 2009 13:24:58 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:157361alain68670http://www.moneysupermarket.com/community/forums/t/sipp-cash-deposits-36904.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=6&PostID=157361 Can you advise a cash deposit account with instant or limited notice 30/60 days notice which will accept SIPP Cash Deposits ..about 375 K Investec are offering 2 - 3 % Is there a better account .my monies are with Std.Life at the moment and they are only offering a miserable 0.65 % Thank you for your assistance. A W Tyler http://www.moneysupermarket.com/community/forums/t/allied-carpets-in-administration-36882.aspxFri, 17 Jul 2009 14:39:03 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:157249sparky760http://www.moneysupermarket.com/community/forums/t/allied-carpets-in-administration-36882.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=99&PostID=157249 Suffering from the effects of the housing market stagnation. http://news.bbc.co.uk/1/hi/business/8156111.stm "All stores are trading normally and outstanding customer orders will be fulfilled in all stores, it said. Deposits are safe but anyone with queries should contact a local store." Sparky. http://www.moneysupermarket.com/community/forums/t/buy-to-let-mortgage-for-expat-36863.aspxThu, 16 Jul 2009 18:22:22 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:157154slowtolearn0http://www.moneysupermarket.com/community/forums/t/buy-to-let-mortgage-for-expat-36863.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=5&PostID=157154To cut a long story short, I've been jointly left a house valued at approx. £180000 in its current state. I need a loan of £75000 to buy out the other beneficiary and then I intend to renovate and rent out the property. Estate agents value the property at approx £225000 once renovated with rental income of £700 per month. With over 65% equity in the property surely I must be low-risk but my problem is I live and work in Germany so which lenders are going to give me a mortgage ?http://www.moneysupermarket.com/community/forums/t/homebuy-direct-mortgage-aip-36630.aspxFri, 10 Jul 2009 13:27:50 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:156270Dizzyblonde850http://www.moneysupermarket.com/community/forums/t/homebuy-direct-mortgage-aip-36630.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=5&PostID=156270 Just wondering if anyone has any experience of the above mentioned. Obviously due to the scheme I am limited to getting my mortgage with RBS, Halifax, Nationwide or woolwich. In order to get an agreement in principle due to the scheme they are all wanting me to go in and have an apointment face to face. a) does anybody know who is offering the best mortgage for this scheme? b) what documents do i need to supply for an AIP? 4 face to face meetings when the only times they are offering are between 10 and 12am will be a nightmare in my work diary Any helpw ould be greatly appreciated DB