Birmingham Midshires – Who Owns My Mortgage?
What is the Problem?
Mr Treanor, from Bedfordshire, contacted the show with a problem. He is trying to sell his home, and this will mean redeeming his mortgage. Unfortunately, the mortgage company doesn’t own the mortgage and therefore Mr Treanor cannot ‘redeem’ it (buy-it-back)!
In a situation like this, does Mr Treanor have to pay the mortgage company anything?
One of the great things about knowing when things are not right is being able to step in and do something about...
The Campaign To Get Businesses to Do Better Pt2
What is the Problem?
The problem is simple – many businesses treat their customers very badly indeed and well… Don’t you think it’s time we put a stop to this?
What To Do
What is all this about?
It’s about acting collectively to make business and companies realise they can no longer continue to treat customers like us like the proverbial merde.
The Outline Solution
That’s where our campaign comes into play.
Each of you have POWER. You may or may not...
The Campaign to Encourage Businesses to do Better
What is the Problem?
This one comes as the result of a conversation between Simon and Mark “How can we make businesses treat us better as customers?”
Companies exist for one reason and one reason only: to make profit for the benefit of the shareholders.
Yes, there are a few well intentioned companies which, as part of their mission statement, seek to invest in communities and or worthy projects. They may sometimes classify themselves as “not-for-profit” entities.
For the...
How Can I Create My Own Job or Business?
What is the Problem?
This one comes from Michael in Southend, and his question is: “I want to leave the Rat-Race and create a support system for myself, but I don’t know where to start; can you give me some pointers?”
What To Do
You’re not alone Michael! There are hundreds upon thousands of people who share your desire to have a vocation, rather than a job… and let’s not forget, one of the root meanings of the word ‘job’ is persecution; no big...
How Can I Prepare For Constructive Dismissal?
What is the Problem?
This one comes from Joe in Uxbridge, and his question is: “I have a funny feeling that my boss is trying to find grounds to dismiss me. I’m worried about constructive dismissal, what can I do to protect myself?”
What To Do
This is a horrible situation to find yourself in, and it’s not pleasant!
All too often, junior staff members are hung-out-to-dry even when following their line manager’s instructions. Sometimes management chooses to protect...
The "Love" Tax
What is the Problem?
This is a subject which has been raised a few times. Noticing a pattern in the behaviour of Benefits Agency staff, we thought it best to investigate and see what’s going on.
Simply put… being “in-love” can seriously damage your purse strings, and we’re not referring to those gifts, dates, or other expenses associated with courting.
If you're speaking to an employee of HMRC/DWP, then being "in-love" can cost you, especially if you’re in...
What’s The Best Way to Read And Understand Acts of Parliament?
What is the Problem?
This one comes from Joyce in Worcester, and her question is: “What is the best way to read and comprehend Act of Parliament?”
What To Do
To read and comprehend an Act of Parliament, you first need to understand what an Act of Parliament is and what it isn’t.
Acts of Parliament start off as Draft Bills, and eventually become Bills proper, which make their way through Parliament.
Acts are written in a form of Legal English (of which there are many).
...
What is Cash?
What is the Problem?
This one comes from Janice in Newcastle, and her question is…
“What is Cash?”
See video for oodles more information…
Your Due Diligence
There are many different definitions of the word ‘Cash’, depending where you look:
For example; a quick search on the “net” produces the following:
- legal tender or coins that can exchanged for goods or services. It can sometimes include the value of assets that can be converted into cash...
I Want a Loan – Where Can I go to Get the Best Deal?
What is the Problem?
This comes from Adrian, in Colchester, Essex:
"I want a loan. Where can I go to get the best deal?"
DON’T DO IT!
Consider whether you really need a loan, and or whether you really need that large purchase. If you can get by without it, great. If you can’t live without the item, save for it, because products, fashions and technologies change over time. Unless it’s an emergency, or for something which is essential, the chances are you will regret doing it;...
Feedback – Mortgage Problems
What is the Problem?
This one comes from a youtube viewer D. Lignell.
'I found this very helpful and informative. I would love to know more about the way mortgages work. I am attempting to get a loan modification and assumed the bank I pay the payment to, was the only party involved. I then learned there is a separate “funder” of the loan who apparently does not like, or have to participate in, the modification process. This is my second go around and so far they seem much...