Hi Snatch. I read your postings with interest - my inlaws have a skoda fabia, 6000 miles on the clock and just out of warrenty. They have had a recurring fault and now the garage are saying 'water in the wiring loom' is responsible and are offering to fit a new wiring loom. As it's a known fault they are covering the parts (£1500) but expect my elderly and disabled in-laws to cough up £700 for labour. My next port of call is trading standards but I wondered if you had any advice and which addresses/names did you use successfully? I look forward to hearing from you, many thanks in anticipation Elouise [email protected]

Hi. I wonder if anyone can give me any advice regarding my mint credit card charges. I first sent a preliminary letter at the end of last year and they wrote back offering me a fraction of the charges I had requested be refunded. Life then got incredibly busy and I didn't take it any further. Last week I got around to writing again and they have replied with their original offer and say "In line with the Financial Ombudsman Service's guidelines, you have a period of six months, from when you first brought this matter to our attention, to resolve your concern. This period had now elapsed. ...Please be advised that we will not respond further to any correspondance relating to this matter." They have credited my account with the original offer. Is this as far as I can now take it, as they say, or can I continue and hopefully get the whole amount refunded? Any advice would be gratefully appreciated, elly67