You will need detailed bills from the original garage of all work disputed. You will also need a detailed bill from the correcting garage. This will be required as you can't just submit a claim for the return of monies paid unless you can prove that it is genuinely owed to you by poor professionalism and workmanship. Even harder will be proving that you lost money from your trade because the car was in the second garage. Bills for taxi, bus fares, insurance etc mean absolutely nothing unless you can show that they were as a direct result of the first garage. Similarly you will have to show without any doubt, that you lost sales

First of all you need to get some information from Swift sterling, you can ask them for a complete history of your account with loans taken, interest added, charges and dates. They gave me what I asked for, but I was specific in what I wanted. The email address I used to get the information was [email protected] If they dont give it all to you you will have to SAR them which will cost £10 When you have all the information you can then see if you can make a complaint.

DLA is not counted as an income it is exempt income. So bear this in mind please...