You may struggle to get it back because unless you can show the policy was 100% mis-sold then you will be very unlikely to get any money back and most companies will have a legal script that will cover all the points on the ppi sale to ensure it is compliant to the standards set by the FSA

It doesnt sound like you will have too much of a problem finding a mortgage. Ideally I would look at the high street lenders as these tend to offer the best rates. Have a look on the mortgage tables on this site but if you dont want to be calling around several comapnies for a good deal speak to an IFA.   HTH

shel: . Usually much cheaper than PPI, though won't cover you for redundancy in most cases - is this really an issue? How much do you REALLY need your redundancy cover? Shel If it isnt really on issue they wouldn't provide cover for it. In the modern business world you can never be 100% sure your job is secure, it doesnt take much ...

that is the prblem with the single premium policies as you pay for them upfront - where you can it is best to avoid these polices as they will always cast more. If possible get a monthly premium policy with a seperate provider.  However, its probably best to get seperate policies for life, accident & sickness  and unemployment to ...

Hi,   I would be carefull about cancelling the ppi as it may not make that much difference.  The policy you have bought is a single premium policy which is added on to your loan and also pay interest on too.  The new ruling is in relation to "nil refund policies", meaning that all firms must over "partial ...

Its more that a company will use this information to possibly overturn a declined application - although companies are cautious when it comes to the information written there as it comes from the individual, they would prefer proof of what has occured - if you can supply this state it on the NOC.  A NOC will not be detrimental to ...

lender have to read it, but they do not have to do anything about it.

Hi, Each factor depends on what mortgage company you go through. Not sure whether there are any mortgages specific to working towards a qualification but if you have graduated through university there are companys who provide graduate mortgages. Your last 2 questions vary widley fom lender to lender, I'm not sure to max you will be able to ...

NOC's can be useful but they would rarely help improve your credit file. Companies must read this information but do not have to do anything about it. The usefulness comes from the fact that after credit scoring your application they see you have bad credit but also that there is a NOC on file. They then read this and can take these reasons into ...

This seems like very poor service and could be described as harassment. I work for a secured lender (not firstplus) and we would call to confirm the paperwork was recieved and then call in a few days to see if you've made a decision, if you havent we would arrange a time to call, and stick to it. What FP are doing doesnt give a good impression ...