Just over a week ago I took out a motorbike policy online. Last Thursday I received all the relevant paperwork including the direct debit schedule of payments. The day after I receive another letter stating my DD had been set up and also included a schedule of payments. The payment amounts differed from the previous days letter. I rang to query and agent admitted the letter was worded wrong and that the 2nd letter omitted that the price was lower for the next 9 payments. It was only the first payment that was higher. I then pointed out that the statement of facts was wrong and had the wrong license type shown. When the agent put the correct license in- he told me it was £34 cheaper and I was entitled to a £9 refund. When I queried the £25 he told me cause I made a change- there was a £25 admin fee. I told him I definitely selected the correct license type and it must be the system that's is wrong. He told me the system is never wrong and it must of been my mistake. When I reminded him of the original error with the DD payments letters , he couldn't answer. I asked to be put through to a manager to discuss. The manager was busy but he could reduce the fee to £12.50. I said I still wanted a manager to discuss it with me. I was told I would get a call back, got a voicemail today, not from a manager but from a frontline agent. When I returned the call she was busy and would call me back today. No call again. It's a disgrace that I should be charged £25 for an error that is not mine. I appreciate the fee for change of address or replacement documents albeit excessive. Sooner the financial ombudsman stops this profiteering racket the better. I have emailed Swinton customer services- but get automated reply saying you should hear from us within 5 days. Slow customer services. Hopefully someone on here can assist me to get the refund I'm entitled to.

How did you pay for the car? If it is via a HP agreement, then the car still belongs to the finance company- thus inform them of the problems you are having and they will also put pressure on Arnold Clark. The same happened to me- my car developed an emissions fault, AC told me to to deal with Vauxhall as it was warranty, but after 4 visits to Vauxhall dealership and still the same fault. I tried to reject the car from Arnold Clark. At first they had none of it. Once I contacted the finance company, they wrote to Arnold Clark once and hey presto a different car was found for me.

A training day is classed the same as an ordinary working day.

You really need [email protected]

[email protected]

You will have to read the supplied 'customer protect' paperwork, the answer will be in there as there are different levels of cover

If you wish to be removed from the mortgage, then I believe your sibling will have to take out a mortgage all on their own. I don't believe there is any way to just have you removed as you would of been part of the income calculations when setting up the original mortgage.

Many thanks for keeping us updated with the outcome. It's a good result with the given circumstances. £100 is still a lot to lose, but the outcome means you are not stuck with something that can't use. And you have got some off your money back.

I wouldn't actually give a copy, but present the letter to your manager as proof

Yes. They need proof that you actually need the day for what you say

This exact situation has occured in my work place in the last couple of weeks. The lender wanted his money back, been trying to getting it back for two years. He had enough and went to his boss and explained the situation. The borrower got suspended, and faces a discipline enquiry for borrowing money. There is an old rule that states no borrowing money from colleagues is permitted in the work place. I would have a face to face with the borrower and say you would like you money back. And if they still dont pay up, tell them that you will have to inform your supervisor. Dont get angry, and keep calm and from now keep a log of all contact you have with the borrower.

I know it sounds harsh, but my personal opinion is prison - "your friend" has already had money that he was not entitled to on two separate occasions and still hasnt learnt. Maybe prison will be a harsh penalty, but what else is going to work to make this person learn to stop stealing from the state. I'm sorry if its not what you want to hear but you have gone public

I have not said create/manufacture your own fault. I suggested to closely look for any faults or defects present. I am in full agreement- don't damage the product deliberately.

The retailer may indeed think that, but if a fault is found before you have owned the product for six months, it is taken that the fault was there from manufacture. It is down to the retailer to prove it wasn't - how are they going to do that?

Why don't you have a real close look at the table and see if you can find any fault at all and then you have a reason to ask for a refund

Where is the link- I can't see it - mind it may be my phones fault

Travelodge terms and cons state- "You must not damage or interfere with any items belonging to us. If you do so we will terminate your booking. We will instruct a third party to contact you after your stay to recover the costs for any repair, replacement or specialist cleaning we incur if you damage our hotel or property. If you request it, we will send a breakdown of these costs to the address used for the booking." By agreeing to a bookin you agree to these terms and you have broken them.

Your room and you are responsible for it. The hotel chain will have CCTV on each corridor and they should be able to check whether any one went in the room after you left. They will check the cctv, if they can't see anyone else in your room. You will be responsible and liable for the bill of repairs

For some reason I can't post a web link. But go on the Hi Q website , scroll right to the bottom of page and click terms and conditions. Read paragraph 13 - very clear that original purchaser can use warranty and it cannot be transferred to new owners

In my opinion, the contract was between the seller and original purchaser. I really can't see Hi Q changing their stance unless bad publicity arises