Thank you

Had to take Zurich to financial ombudsman for a cash settlement to redo shoddy work done by their contractors after a underground water leak. They paid up eventually but ombudsman also said they should pay 500 compensation which they agreed to. They have not paid compensation. Started small claims proceedings got a default judgement because they had not replied. How long after default can I request warrant? thanks

Hi Hope someone can advice. Underground pipe leak led to damage. Used insurers contractors. Solid wood flooring started to fail within a few weeks. Complained to ombudsman found in my favour eventually. Am going for cash settlement as I would not allow insurers contractors back in my house. Advice on form sent by ombudsman please attached. Ombudsman decision only mentions one room when infact 4 rooms need flooring replaced. I don't believe that Zurich will accept ombudsman decision and I don't want to jeopardise future court proceedings by signing this. Thanks

This is an unusual question .Very briefly am in dispute with home insurers following a water leak. Replacement flooring has failed and they say it is because I have no damp proof membrane. Am I entitled to request copy of reports from surveyor and drying company? from my insurers using GDPR and SAR request? Thanks

Hi all, need some advice. February 2013 wheel bearings went on Honda fireblade chewing up wheel rim. Cost nearly £1000 to repair. August 2013 wheel bearings went again to their credit garage replaced FOC after Honda refused warranty claim (more than six months) September 2013 thought wheel bearings had gone again even worse told need another new wheel. Of course Honda refused warranty claim because of six month rule. Have written to garage using Sale of Goods Act giving them 7 days to repair/replace. However garage keep saying they are fighting my case with Honda even though I pointed out my contract was with them. Any advice or is court action my only option? thanks

Hi hope someone can give advice. Basically daughter and partner had a six month shorthold tenancy agreement managed through a letting agent. Six weeks ago found out that landlord had not been paying mortgage contacted building society and he does not have a buy to let mortgage. Mortgage company say "we would advise you that your occupation constitutes a breach of the mortgage, which prohibits letting and leasing without our prior written consent.... we do not recognise your right to occupy the property." Letting agent has said that landlord is overseas and cannot be contacted agent has also said his family have not heard from him since before christmas. Tenancy has now run out. Agent verbally told us to stay as long as we need to find another home she also said that under the circumstances she did not expect rent to be paid. Now she is demanding rent to be paid. How do they stand legally? it looks as if they have no legal right to a tenancy as it is in breach of the mortgage. Can rent be demanded under these circumstances. Letting agent is unhelpful and evasive and does not belong to any professional body. Any advice welcome

Hi Can any one advise. Got a A140 53 plate 50,000 miles. Regularly serviced by local independent garage. Up to now been happy with garage. Car started to have intermittant starting problems. Made noise similar to noise that if engine has already started and you try and start it again (hope that makes sense.) progressed to shrill noise. Spoke at length to garage and they said probably starter motor but the fly wheel may have been damaged. Garage replaced starter motor. £580.00 later the noise returned after 3 days. Don't know whether to believe garage or not. I asked wouldn't damage to flywheel have been evident when they took off starter motor. They said no. The starter motor shows clear wear on the teeth which I would have thought indicated fly wheel damage. Been chasing garage for a solution. They now say I have to take car to main dealer to see if it is a faulty starter motor. I am really concerned I will end up with huge bill if main dealer says starter motor OK Has my garage been negligent in misgiagnosing fault? or is this an honest mistake? Thanks

Hi Some advice please. My husband has had a letter sent to him standard stuff about "Agent Visit" looks like a car phone warehouse debt of £888.08. It quotes account number and our "service address" ie our home address Problem is debt is not ours but probably our daughter who does not live with us. Are they breaking data protection here? how should we handle it? Thanks Zaffie

Veester daughter is not registered Zaffie

Hi Bit of advice please. Been fighting for my daugther got herself in right mess. trying to claim on hardship grounds. HSBC are saying that a review with the FGT has to be done on the telephone. This is the problem I have been dealing with this for her she has some special needs and is way out of her depth. Tried phoning FGT Friday spoke to someone together daughter gave her permission for me to talk on her behalf. Cut a long story short waited 15 minutes then said they would phone back which they didn't. What is the legal position if my daughter writes and gives permission for me to take on her case? can HSBC insist review is done on phone. Bit of a joke they have all information requested now charges are just under £1000 started off at £780 Regards Zaffie

Hi Lesley Who applied for the statement? if it was parents you have the right of appeal as long as it is within the time schedule. IPSEA are great used them myself. A statement is a legal document a lot of education authorities are not issuing them because it will cost them money. IMHO it has nothing to do with needs but costs. regards Zaffie

Hi Cidergirl a statement is a legal document until the age of 19 if in education. Connexions should have specialist advisors for people with learning difficulties. They are involved to age 25 for people with learning difficulties. Have they done a S140 on him? What about CAMHS? need to move fast only to age of 18. Does he have a social worker? There should have been transition planning for adult hood. Advice you seem to need professional imput to get the help and advice your son needs. Start with social services. Has he a community care plan? have you been assessed for carers needs? Regards Zaffie

Lesley Having independant reports done can cost a fortune. It is essential you get the right reports done. We had to have many done for the statementing of our son. The educational psychology report alone cost £800 10years ago. It was the most comprehensive report I have ever seen. Involved her coming home to assess and going to school to assess. What SEN does your child have? Some organisations will do fee reduced reports eg Scope Regards Zaffie

Hi some very good advice from others for you. I have a son with special needs. Originally diagnosed with ADHD then Tourettes and now Asperger syndrome. Reading your posts you could have been talking about my son. He was always "different" not seeming to fit in one way or the other. Go with your instincts as a mum if you think something is not right get a multi disciplinary assessment done ASAP. Referal via GP or health visitor. Bookworm is right you can have a child with difficulties even when they are extremely bright. My son is 18 now done extremely well academically still has problems but we accept him for who he is. Getting a diagnosis helpt my OH accept that there were problems. It changed his attitute to our son and the way he dealt with him. Good luck Regards Zaffie

Hi Tuttsi any advice/strategies/hints most welcome. Been reading other threads including yours well done and there does not seem to be a consensus by the banks as to what is "hardship". even when someone seems to have a good case for removal of stay re hardship it does not happen. Well I'll keep on battling Regards Zaffie

Hi Thanks Johnny its great to have support. It will be me fighting my daughters case she has her hands full poor love. HSBC have had nearly £1000 from her including interest certainly more than £500 in 12 months which is a FSA indicator of financial difficulty not sure if I can use that to support hardship Regards Zaffie

Hi Tuttsi yes letters have been sent claiming hardship. My daughter is luckier than most i have paid most of her bank charges to try to keep her afloat. She is not in arrears with rent etc as family have helpt her out. I can't do it any more no more money. Her account is in debit again solely from charges. She was homeless for a time and pregnant now on SMP and living on about 40% of what she was earning. Her record of finances clearly show she does not have enough for her basic needs and that the bank has been taking charges from her benefits. She opened another account and has her benefits paid into that. HSBC keep pilling on charges putting her deeper into debt. HSBC has been told all this. Johnny I have not had the final word from HSBC yet and it has not been 8 weeks since refund of charges was asked stating hardship. Regards Zaffie

Hi thanks johnny for ongoing support. Tuttsi I have sent income expenses summary three times. Do you know who CEO is and contact address? Regards Zaffie

Dear thank you for your letter dated 2 september 2008 advising that you are still in financial difficulties. as previously advised, we would like to help you by carrying out a review of your individual circumstances and as part of the review we will be able to verify that you are indeed suffering financial hardship. If we consider that you are suffering financial hardship, our focus will be to consider what we may be able to do to assist (whether by re-scheduling debt or by alternative borrowing arrangements), and not solely to consider refunding charges as you have requested. As you have not contacted us, we have been unable to assess if you are in financial difficulties. Until you contact us, as requested, we are unable to proceed and as a result your claim will remain on hold. I have again enclosed our leaflet "putting your finances in order" which contains an income and expenditure form. I note you have included your own however we will need you to please complete this so that our records will contain your full financial picture. Once you have completed the income and expenditure form please contact us on 08456006423 (monday-Friday 8am to 6pm). Calls may be monitored or recorded for the purposes of quality control. Should you choose not to contact us as requested, I can confirm that the Banks position in relation to your complaint about bank charges will remain as stated in our letter dated 27 August 2008 As previously explained, we have recorded your complaint and once the legal proceedings between the Office of Fair Trading (OFT) and the banks are complete, we will resolve your complaint as quickly as possible. I apologise for not being able to provide you with a full response now, but we will make sure that you are provided with appropriate up-dates about the proceedings with the OFT. I would remind you that you can check the latest position on our web-site at Hi Letter from HSBC. I have sent recorded delivery 3 times records of finances. What more do they want? I was offered at branch a managed loan to which I declined. They don;t seem to be embrassing the FSA waiver conditions at all advice please Zaffie

Hi Bookworm When opening just zip it logo flashes up and then nothing. Tried to download and open with other opener but says is "invalid or corrupt" Zafie

Hi Advice cannot download basic court bundle from templates Regards Zaffie

Hi quick update parachute account opened LBA sent record of finances sent hardship quoted. Standard reply from bank about stayed claims but asking to phone if suffering from financial hardship is this a good idea? if they had looked at my enclosed record of finances they could see I was in trouble!! Now after the 14 days do I start legal proceedings or go to FOC? Thanks Zaffie

Hi Thanks for replies. Mum was mobile no pressure ulcers before she was admitted. Pressure ulcer now grade 4/5 being assessed for surgical debridement. On pressure relieving mattress no physio or OT. Have met with matron and raised concerns and still she is not being turned consistently every 3-4 hours. Matron is meant to be organising meet with consultant. Have already attended one MDT before her surgery. Was not very satisfactory they only talked about nursing home. Feel this is going to become an official complaint sooner rather than later. Feel that they have failed in their duty of care. Very upset at mo mum is fading away before my eyes Regards Zaffie

Hi Advice any one. Mum in hospital 8 weeks. Long story but eventually meningioma removed from spine. Now bed bound not making progress. Has a really nasty grade 3 pressure ulcer Am really concerned that there are not enough staff on ward to care for her Have approached PALS will try and meet with consultant. we do not feel involved in the care making decisions. She is not turned 4 hourly no turn chart etc etc Is there guidelines on how many trained staff should be on a stroke ward all with high dependency needs? I do feel sorry for staff who are run off their feet but it does not help my mum Zaffie

Hi Thanks for the quick replies. I have already seen posted links. Infact included in prelim letter there is a record of finances and i have quoted the social security administration act 1992 sub section 187. How skint do you have to be to be a "hardship" case. Daughter is in debit each month just from paying basic daily essentials and rent. HSBC lumping on their charges just makes it a whole lot worse. Especially so now as she cannot get to any money without her card. Regards Zaffie