Thanks for the quick advice, wasn't sure of what to do and didn't know if instructing a personal injury solicitor was the right route to go down. Will have a look in to it all tomorrow.

I had a fall in a supermarket around 2 weeks ago, this was due to slipping on a gel filled absorbent strip used to absorb spills. The strip are used to absorb small spills but this had been used to direct water out of the store following a burst pipe. The strip was across the doorway of the store and was being used to direct water out of the store in to the street. When I slipped the arm I was carrying shopping in felt jarred, but because of my embarrassment I went home. I then called the store to complain when I got home. I went to the doctors who told me I could have damaged my rotary cuff and to give it gentle exercise and to see a chiropractor if it continued. I followed this advice and as it had not cleared up I have been to see the chiropractor today. I have just returned from a chiropractor who has advised me that I have jarred my rib and require approx 4 session on it to put it right. This will cost me with today's appointment £150 in total, which through no fault of my own I will be out of pocket for. What should I do to recover this money from the supermarket?

I bought an f antique deb frame on ebay - it was an auction not 'buy it now'. I paid cash on delivery. The seller delivered the furniture to me and when I tried to build it, it broke, it looked like it had been poorly restored. He states on his listing 'Return policy we offer a full money back policy including delivery costs if the item is returned within 7 days in the same condition if not happy with item.' I contacted the seller and after a number of emails back and forth he offered to fully refund the cost of the furniture and collect when next in my area. Since then I've heard nothing. This has been on going since January. In addition to the emails I sent 2 letters recorded delivery, the first advising to contact me to resolve the issue and the final one a letter warning if this was not resolved I would take legal action to reclaim the money. I am now looking at options for recovering this money thorough the courts. What I want to know is; Is the Small Claim Court the best option to do so? What costs can I charge as this has taken up several hours of my time trying to amicably resolve? Is there anything else I should be aware of? It is only £200 + delivery but it is the principle of the matter as much as anything and the storage of the bed until it is resolved.

Anyine have any advice on this? Hoping to get a reply in the post tomorrow.

Again I've in another thread there is tool for putting a signature on a letter so that it can't be copied on to CCA or anything else that may not have your signature on originally. Think is is this http://www.consumeractiongroup.co.uk/digitalsignature.php

There is a template and advice on here on the forum to deal with home visits http://bit.ly/1GkS0 They have no right to come to your house unless you have made an appointment.

duplicate

My sister has already sent the attached letter and I have put the response in red. In a follow up letter, Henderson Booth & Snell have advised that their Client is sympathetic to her situation and any realistic offer, which now may be made, will be given serious consideration. This is her draft response; Without Prejudice Thank you for providing me with the answers to the questions asked in my previous letter dated 9th December 2009. I apologise in the delay in responding to your letter dated 18th March 2010. I am currently seeking further advice on the amount outstanding and seek clarification on the following points; When was the mortgage taken out and for how much? Of the £90,297.05 balance at completion (October 2009), how much of that amount is made up of charges and subsequent interest on the charges? Can you supply me with details of all charges that were added to the account? Including dates and amounts. In your letter dated 18th March 2010 you made reference to the ‘Terms and Conditions of the Mortgage Contract’. Can you supply a copy of both the Terms and Conditions and the Mortgage Contract? On the Completion Statement there is a Miscellaneous Cost of £1,671.25 and a credit of £1.51, can you provide me with how these amounts are made up? I am looking to resolve this issue with your Client and by providing me with the above information would help. Does she need to ask anything further or take anything off? HB & S 10 Dec.doc

Thank you AnimalMagic for your advice, yes it was a self certified mortgage. Who would she need to speak to for advice on the applicability of the unfair relationship legislation? Henderson Booth & Snell are now threatening to go to take further action if she does not respond by the end of April. Also should she provide them with I&E information now or should she wait until the issue around the unfair relationship legislation?

I need some advice, my sister is currently trying to deal with a mortgage shortfall from Birmingham Midhshires. This situation is she was living with an abusive and controlling husband and left with the kids to a rented house apporx 4 years ago. After she left and over approx 3 years the mortgage fell in to arrears. The mortgage was in joint names and house was repossessed in November 2008, eventually in November 2009 the property was sold leaving shortfall of £8k including fees. She has been informed that she is jointly liable for the debt and doesn't know what to do. Her ex-husband is works for cash in hand and as such has no income. He has also been Bankrupt twice for failing to pay Council Tax - he's has recently been discharged from the second one. He will not accept any responsibility towards the debt and neither will he discuss the matter. She has sent a letter and received a response to the breakdown of the balance and how it is owed. The DCA are know asking for a income/outgoings breakdown from her. Can she ask for the liability to be split and then make a F&F offer for her half? Can she asked for her liability to be completely removed from the debt? What is the next recommend action to take? Although morally she doesn't accept the debt she knows that she is legally bound to it and wants to deal with it and get it out of the way. Thanks