With regards to the bank charges, credit card charges and PPI refund sections of your website, I have a few questions that I’d like to ask that I hope you could answer or at least point me in the right direction. Bank and credit card charges refunds 1. Is it only possible to apply for refunds up to 6 years ago? I have statements going back way further. 2. Can I apply for refunds from previously closed accounts? 3. If I close an account, can l still apply for refunds? I have several unused accounts that I want to close but not sure if I shouldif I want to claim refunds. Payment Protection Insurance I took out an Egg loan about 8 years ago and they added the PPI without me asking. When I lost my job they even refused to use the PPI to make payments whilst I searched for work. Luckily I was only out of work for two months. Thank you very much for your time and keep up the excellent information that you provide. I look forward to receiving your response.

With regards to the aftermath of flight purchases, I have a few questions that I’d like to ask that I hope you could answer or at least point me in the right direction. 1. Three years ago I purchased a flight using the Opodo.co.uk website and they sent the confirmation email and tickets with the wrong outbound date. I’d selected 27th Dec 2004 and they put 27th Nov 2004. I called them the very next day to correct it and they refused to do anything as the ticket was non-refundable. They recommended that i called the airline which I did but they still refused so had to buy another ticket. It was a Continental Airlines flight to Mexico which cost £475.68 so there was surely an error on the website which caused this incorrect date as I would not have selected the wrong date. I then contacted my credit card company to register this issue as a disputed transaction and they refused to do anything about it and simply suggesed that take legal advice. In the end I purchased another flight costing around £600 with the correct dates via another website. I intend to take Opodo and/or my bank to court to retrieve the money. What are my consumer rights regarding this? 2. Six months ago my flight from San Diego was delayed so I missed my connecting flight in Los Angeles to London and ended up arriving back a day late. Thus I missed a day’s work and lost a day’s money as I am hourly paid. My travel insurance require a letter from the airline to pay out the paltry £30 delay fee. Therefore I contacted Expedia.co.uk with whom I purchased the flight and they have been in contact with the airline but still they’ve received nothing from then over five months on. Expedia are helpful and state that they have to wait for the airline to respond to them. They recommended that I contacted them also which I did and have still heard nothing. The airline, United Airlines, have no customer service telephone number in the UK! My travel insurance are demanding a letter from the airline before they'd pay out a paltry £30 for a day's delay. I am sure that I am entitled to compensation from the Airline for the delay. What are my consumer rights to claim from the airline? Thank you very much for your time and keep up the excellent information that you provide. I look forward to receiving your response.