If you were to appeal, they would write back and tell you that, "Your appeal has been unsuccessful" Just sit back, snug in the knowledge that their appeal, has also been "unsuccessful"! Sam

The FOS frontline are not the best, they will almost always go in at retail, always have, even the IOB (their precursor) used to. Adverts are pants, i have no idea why insurers still ask, other than due to poor trained staff dealing with claims like the did years ago. The internet killed the idea of local market. Take an interim payment and dsipute, don't listen to LV about if they can't make a recovery and will affect your ncd (they will try this), if they play this game go to the FOS. If you accept an offer from your insurers, contrary to the above good advice, you will have a nightmare getting this through the courts, plus you won't be a

Two lines of poetry. Random as possible please! Your mum is the Queen? Mujahideen.

Yes, lodge a formal complaint with OneCall insurance and exhaust it, they need to remove the incorrect data from your credit file else you will need to sue them for defamation earning you a nice four figure sum in compensation. As for their puerile third party DCA, you can ignore them, if they are so foolish as to be adding fees and charges to this, then more fool them, they won't be getting those at all. Who is the DCA? https://www.onecalldirect.co.uk/existingCustomers/complaints.php

Hi, which DCA is chasing this?? Check your credit files. Have you checked your bank statements to see if the amounts were taken. If so a formal complaint to the insurers is in order on that point. If they did not take the payments it's a formal complaint on that. Send the DCA the ''prove it'' lettter from the CAG library.

I would send a CCA request. They must comply with it then. http://www.consumeractiongroup.co.uk/forum/content.php?414-CCA-request-letter

If there is any indication of unsafe electrics then this shoild be addressed by the LL, and if not you could report to the council for assessment. Negotiation would seem to be the only way forward. However if you are determined to move then your Liability would appear to be as outlined by M51.

"In the event that both parties agree to vary this clause the T will reimburse the LL the letting commission (10% of the rent + VAT) from the date of early termination until the date that this contract was originally to expire." It means if mutual early surrender of T is agreed, the T (you) will have to reimburse LL with LA's commission of 10% + VAT normally payable by LL & deducted from collected rent by LA. With a rent of £3400 pcm month the fees (10%) will be £340pcm so with 14 months left to end of fixed term you will be required to pay 14 x 340 = £4760 + VAT as a release fee, or about 2 months full rent. Given that there is no m

I do the same with another company who keep sending me letters to pay up. I can only afford one takeaway a month so most of the leaflets just sit in my kitchen next to the cookery books. I also make sure they are overstuffed.... QQ need to know they cannot override EU law and guidelines, they think they can because they are not based in the EU, which is their downfall as technically they cannot take you to court, they have to use a third party and have a very very good case. I have yet to see any Particulars of Claim from QQ.