Miller Gardner established in 1993, serves clients throughout the UKFINANCIAL MIS-SELLING BY BANKS INCUDING PAYMENT PROTECTION We specialise in Consumer claims against Banks and Finance Houses, in recovering mis-sold Payment Protection Premiums and in challenging all types of loan or credit agreements,with a view to writing off balances outstanding on such loans or mortgages.We act on a no win / no fee basis, so that you only pay on a successful outcome, and even then, we recover your costs in full from the lender.We can usually tell you in a short period of time that we are likely to succeed in recovering several thousands for you.Additionaly, in some cases the whole loan balance can be written off.Moreover, if a broker arranged a loan with PPI you may well be entitled to payment of further substantial moneys, because the broker will have received a hefty commission on that policy, which he may well not have properly discosed to you.Even if the paperwork given to you refers to "broker fees", this is not the same as PPI plan commission, so you may be due an effective windfall of 65% to 80% of the single premium PPI, because that's the normal commission payable, and shows how much money is wrongly being earned at your expense. We recently recovered £29,500 plus all costs of acting on behalf of clients who received their compensation for mis-selling payment protection without deduction. We are now regularly winning cases for financial mis-selling and writing off loan balances in some cases as well as recovering undisclosed commission payments. BEWARE THE CLAIMS MANAGEMENT COMPANIES WHO TAKE UP-FRONT FEES FROM HOLDERS OF CREDIT CARDS WITH BALANCES OUTSTANDING WITH A VIEW TO THESE BEING WRITTEN OFF AS UNENFORCEABLE.THIS WILL NOT HAPPEN IN THE OVERWHELMING MAJORITY OF CASES.THIS IS A GREAT MISCHIEF ON THE PUBLIC AND DON'T BE TAKEN IN BY OFFERS OF REFUNDS AS SUCH COMPANIES ARE NOT PROTECTED BY THE FINANCIAL SERVICES COMPENSATION SCHEME!! However, if you are still minded to have your credit card or loan agreement checked, notwithstanding our clearly expressed view that only a small minority of same will be un-enforceable, then we can do this for the modest fee of £!00+ vat, which please send us by cheque with a copy of your loan agreement; we do not want you to add our fee to the credit card or loan you are seeking to write off. Do not pay Claims Companies and others several hundred pounds for the same promised service. If you do not have a copy of the agreement you can obtain this for £1 by sending a letter to lender/credit card issuer requesting a copy, and stating your request is pursuant to S.77 Consumer Credit Act 1974, which obliges the lender to send you it , within 12 working days .(keep copy letter and send recorded delivery, retaining receipt) If it is lost because the lender writes back to state it cannot be found, or we assess it unenforceable, then we shall take on your case on a no win/ no fee basis, with no monies or fees payable by you at any time, even on conclusion of case; your win is yours without any charge or deduction , and in addition we shall refund your £100+ vat, as we shall recover our charges from the lender. Mortgage Rescue Scheme The Government have announced help for those facing possession proceedings and have loans not exceeding £200,000. Whether or not you are in this unfortunate position,we can assist borrowers who have been sold Mortgage protection insurance with their mortgage or secured loan, to the extent that in many cases the cost of the single premium sold with the loan is very high and can be claimed back in full or part, so that arrears are either cleared or substantially reduced. In many cases former council house tenants who have bought in the property , find themselves lumbered with unnecessary or exhorbitantly priced cover.In other cases homeowners facing possession claims may have other unsecured loans with payment protection which can be claimed back, to reduce the arrears.We act on a no win no fee basis and any successful claim is paid or credited to the client in full and without deduction. RESIDENTIAL AND COMMERCIAL CONVEYANCING We also deal with Fixed Price Conveyancing services backed up by one of the most advanced IT support systems on the market. Our clients are individuals and companies as well as professional investment clients and we operate throughout the UK.
Our fees are within the most competitive in the Country, and range from £350 plus vat and disbursements,whether acting on a sale or purchase,although we only charge £250 plus vat and disbursements on a re-mortgage.
We have, for a modest additional charge ,an expedition service for speedy completions, such as same day or within maximum 14 days from contract or 7 business days on a re-mortgage offer etc. BEWARE SOME INTERNET FIRMS WITH HEADLINE RATES WHICH IGNORE DISBURSEMENTS. Check other sites and look at total fees which are more expensive than us on, say, a purchase of £100,000 property with mortgage. WE ARE ALMOST £300 CHEAPER. SOME PRESENT RATES INCLUSIVE OF £1080.95. OURS ARE A MAXIMUM OF £786. 07/01/2009 |
