You would be wasting your time - you are no worse off than if you had never recieved the marketing offer, (which is all it was). By all means complain to picture and ensure that the title is proporly registered to avoid problems in the future.

As a banker, I agree that you should contact your creditors an discuss a payment plan that you can afford. TRight no wbanks are very happy that people are paying back their debts at all.

Trading standards issue a code of conduct for debt collections companies, which you will find if you google it. The behviour that you decribe breaches a number of the guidelines. I suggest that you write a letter to Orange and to the debt collector, send it registered post, explaingin the situation and enclosing copies of the e-mails. You should ...

This is typical of A&L. I had an ISA with them and they failed six time over three years to update the address when I moved. Eventually I had to go to branch where the "meet and greet" lady was down right rude to me when I gently pointed out that filling in a change of address form had so far failed to succeed. She snarled at me ...

First piece of advice - don't stress. the fact that your thinking about Feb 2010 means that you are probably 10 times more sensible than the halfwits that are currently on 125% mortgages and wondering why they can't add to their 50K credit card debts. Relative to them your bank probably thinks that you are an angel in disguise. There is ...

You do not need to pay stamp duty - as long as your wife-to-be agrees to transfer 50% of the asset for no money. Its only if you actually pay her cash that you will have to pay stamp duty. Have a chat with a conveyancing lawyer - should be able to help you over the phone in two minutes. Tell him you need a lawyer but need a quick piece of advice ...

Honestly, forget the interest rate and fidna safe home! HSBC are reputed to be very safe as their deposits curently exceed their liabilities. After that Nationwide are regarded as very safe becasue they are still a buidlign society. Abbey are up their as well, as they are owned by Santander who avoided most of the toxic lending.

"secured" means that when someone gives you the cash, you sign a piece of paper saying that if you are unable to pay back the loan, the lender has the right to take the asset on which the loan was "secured" and sell it to pay off the loan. Normally loans are secured on a house, but it can be anythign of vaue that can be easly ...

Yes it can, but as you have no outstanding mortgage, you cannot take a second charge (secured loan). You need a commercial mortgage.

Eeek. My advice.... 1. Don't do it. The whole reason the market is in this mess is because 36K is not enough of a salary to support a 135K mortgage, particulalry with rates as high as they are (and they may get higher). Your salary should support a mortgage of 100K, plus your deposit which makes your price bracket around 115K. 2. I presume ...