My Mortgage Company Won’t Help Me Until I’m 3 Months in Arrears!


What is the Problem?

This one comes from Daniel in Carlisle, and he says:

“I know I’m going to have difficulty with a few months payments on my mortgage, but when I contacted the mortgage company, staff told me they couldn’t agree a payment arrangement until I’m actually 3 months in arrears; is that correct because it seems crazy?”

  • The requirement to be three (3) months in arrear, before the Bank will discuss a payment arrangement, is more than likely the...
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Feedback on – Can a Car Insurer Cancel My Policy If I don’t Pay?


What is the Problem?

This one comes from Gav O, in Newport:

'A while back, I missed some insurance payments ( 3 months I think), I was then pulled over by police. After stopping me they asked if I was insured, I said "yes, I am insured". But they had already checked their database and seen that I was not covered. So, The insurance company had indeed cancelled my insurance and wiped me from the data base. Do you think I have a claim here, because I was fined for not having insurance plus...

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Standing Order or Direct Debit – What’s the difference?


What is the Problem?

"What is the difference between a Standing Order and a Direct Debit?"

While this may seem like a very simple question, it is still a very important one. In the program we go over the important differences. Not knowing which is best can cost you control and perhaps some cash. And we don’t want that do we?

Your Due Diligence

It seems weird saying this; never trust bank staff to be able to explain banking products, services and or processes correctly, because in this...

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Can a Car Insurer Cancel My Policy If I don’t Pay?


What is the Problem?

This one comes from Dawn in Shropshire, and her question is:

“Can my insurer cancel my policy if I don’t pay?”

This goes a lot deeper than simply not paying, because Dawn had been paying monthly instalmens to spread the cost over the year. In the video you’ll find out how Dawn had her problem solved and what you may want to do in similar circumstances.

Your Due Diligence

Make sure you have all your receipts for payments made, the policy...

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What is a Credit Score and Why Does it Matter?


What is the Problem?

This one comes from David in Newmarket, and his question is: What is a credit score?

A credit score is a third party assessment of your ability to handle liability (li-ability), and is usually required, and obtained, to help staff members assess applications for things like loans, credit cards, mortgages, mobile phone contracts and store finance.

The Outline Solution

The following broad elements of your "profile" are usually taken into account:

  • Stability of...
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What are YAYC's top tips for claiming back mis-sold PPI?


The ability to make PPI claims has now come to an end (with effect 29 August 2019). We have kept this post live because it contains a useful strategy for dealing with CORPORATIONS when a problem has to be resolved. Note the use of a Data Subject Access Request to conduct a fact finding mission BEFORE raising issues!

What is the Problem?

This one comes from Dorothy in Cheshire, and her question is:

“I’m about to make a claim for mis-sold PPI, and I’ve seen a lot of...

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Why Does my Mortgage Have a Power of Attorney?


What is the Problem?

This one comes from Joanne in Cumbria. She says:

“I have found a Power of Attorney clause in my mortgage conditions which I knew nothing about. Why does my mortgage company need a Power of Attorney?"

That’s is an excellent question and frankly the answer is not a short one, so make yourself a nice cuppa and get ready while Simon answers this tough nugget of a question.

Your Due Diligence

Before signing anything, you should always know what it is you are...

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Buying Gold - For People Like You & Us


Don't miss out on using gold to secure yours and your family's future... Click this link to get on the free Gold Buyers Course.

The Problem and Issue 

Are you worried about the banking system?
Do you trust Banks and bankers?
Have you considered creating your own “bank-of-gold” just in case the banking system ever collapses?

Due Diligence

This is a massive dilemma for those of you seeking to protect your children, grandchildren, extended families and loved ones from the...

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Some Fun Ways to Handle Nuisance Phone Calls


What is the Problem?

In this program, we thought we’d have a little fun and pass on some fiendish ways to deal with those unwanted calls, for unwanted products and services, from people you simply don’t want to speak with in the first place.

What To Do

Simply take inspiration from the ideas presented in this show and turn the tables of those nuisance callers
OH… And if you’d like to record them, we’d love to publish some of the best ones on

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