It sounds like a fundamental change to your terms and conditions - generally speaking that cannot be done without your consent. Have you agreed the terms? If not (and assuming you have been there longer than two years) a formal grievance may be in order...

Please don't bring god into it, I beg you. Lol..

I find your remarks quite offensive I have never attempted to make a fraudulent claim in my life. I ignored your first comment about the rain as I thought your attempt at humour was misplaced, even with the poor spelling. I think you need to think about what you are saying before you jump to conclusions. This is no joke, I have been asked to decide if I will have surgery. This is after two major surgeries this year. I think if you are just here to vent your spleen and not offer constructive advice you are part of a problem not a solution -therefo

OK, well it won't do you any harm in contacting your local trading standards tomorrow about it, and asking their advice. http://www.tradingstandards.uk/advice/problemswithgoods.cfm

So if I walk in a car park, trip over my own feet and break my teeth, I can sue the landowner? The op has already said no damage or obstacle, and that it was just a puddle. Accidents happen and if the car park does not have a fault, and the op did just trip over their own feet, then how can they claim? On what grounds? Because the supermarket failed to keep the car park dry? Because the car park was not perfectly level?

As I understand the rules of triviality, it is the sum of all the pension pots combined that determine if you could draw the full amount as a lump sum. There were some additional rules that I believe allowed one to cash in small pots of under £2,000, but this all changed in 2014 and again in the last budget.

Here's a link to an article in the Telegraph about the new rules that should come in next year. http://www.telegraph.co.uk/finance/budget/11481428/Five-million-pensioners-can-cash-in-their-annuities-from-April-2016-says-George-Osborne.html If your IFA won't advise you, try the Money Advice Service or Pension Wise for free advice. HB

A Charging Order is a means to secure the CCJ ..the judgment contains the financial value..the charging order acts as security against the judgment....you dont pay a Charging Order you pay the judgment. May be worthwhile requesting a copy of the Claim from MCOL Northampton Michelle...as only the particulars on the claim will clarify the section 69 interest 8% and if in fact it was requested/included in the claim. Regards Andy

TB the advice given here about your credit file is sound. Trust me when I say I know where you are coming from. If we can save you grief we will, we have all been there and done that. This is why CAG helps new posters like yourself. If you feel that you don't want to enter your bank details you don't have to. You can do a postal application and that costs about 2 quid, takes much longer but you keep your details from prying eyes...

cra file is free fos is free dx