This is the situation. We were mis-sold an EQUITY RELEASE MORTGAGE by a broker. The Broker has paid us compensation but we have a short fall on paying off the mortgage. This is our only asset we have and like any other family we wanted to leave it to our children. My daughter is selling her home to raise as much money as possible, but we still have a shortfall. We are trapped in this high rate rolled up interest only mortgage which is increasing by a £1000 per month and by the time we die, there will be nothing left. Nationwide are saying it is nothing to 'to do with them and that we can stay in our home until we die'. The Nationwide have not offered any help whatsoever. We asked if the Nationwide could freeze the interest whilst our daughters home is being sold and they refused (the mortgage has increased by a further £12k since we started communicating. We have offered a reduced lump sum payment to clear the mortgage and the Nationwide refused. The Nationwide still would have had a very healthy profit for its members, easily above regular interest rates In error Nationwide sent us 'confidential emails', which were utterly shocking and mocked our children. The emails also included confidential and sensitive information/details about other clients who had been mis-sold the same product!! We wrote back to Nationwide informing them of the emails and pointed out 'why should Nationwide members benefit from an expensive product that had proven mis-sold' and that they are exploiting our unfortunate situation. The response from Nationwide was very negative and wanted to give us £350 for the distress caused by the emails and for us to return them to them in a pre-paid envelope, and again no offers of any help to resolve our situation. We are utterly disgusted at their cold attitude by their Members Relations Manager and lack of morals on what is reported as a 'bank that is trusted and respected by people'. Please can anyone advise is there anything we can do. We can’t seek help from the Omsbudsman as this the mis-selling took place prior to 2004.

Hi everyone I am new to this site and hoping someone can help. I recently started work with an agency who verbally offered me £11 PAYE per hour before the job commenced. After working for two days I received a contract by post stating I was to be paid £9.50 per hour. (I know I have no legal standing). I am however formulating a complaint about their conduct. The agency then refused to pay any more than £10 per hour stating I should never have been offered any more than that as they would not make any money. I am aware of the week previously the tradesman before I was paid £12 per hour as self employed however the client was only charged £13.50 leaving £1.50 left over for the agency. The temping agency receive £14.50 per hour from the client for my services leaving £3.50. I know accrued annual leave would be deducted from the £3.50 but are there any other costs deducted? Thanks in anticipation