Thank you for your reply, I have been trying all over to get this sorted but it seems the new schemes mean require the boiler to be over 5 years old, its very frustrating but on a positive note it is saving me a fortune on my prepayment meters as I was putting about £10 a day in the meters which was crippling me although being without running hot water is proving difficult .But than you for your advice. Regards Lynette.

I had a combi boiler system put in through the warm front scheme four & half years ago, I am registered disabled & my boiler broke 4 weeks ago but I can find any help anywhere as local plumbers will not touch it because it is an ideal combi boiler system installed through the Warm Front scheme who ceased in January this year but my system is under 5 years old so I don't qualify for any of the new schemes. I have a daughter we have had no heating or running hot water for the last 4 weeks my disability causes loss of feeling from the waist down which means I do require constant baths or showers please could anybody help me with this as I have run out of options now & do not have available funds to pay for a new system because of constant bank & mortgage charges. My life is at a very desperate situation at this moment in time. Any advice would be appreciated.

I have been with the Yorkshire Bank for approx 15 years there has always been money going into the account be it benefits or salary.But I only have a basic debit card account I went into my branch just after xmas as I had £170 of bank charges taken the day before xmas eve.The lady I saw said she could not upgrade my account which was a joke as my 21 year old unemployed son had walked in there last year & was immediately given a current account including £200 over draft facility.All I wanted was an account that would allow me to have a small overdraft of £50 because the majority of my fees are when a payment may be due out on a wednesday & I might be £2 short but have & always have had child tax credit payment going in on a Thursday so I just wanted a small amount to see me literally over night I have mobility problems & receive highest rate mobility & middle rate care so I do struggle sometimes to get to the bank.They could not help me with my account & refunded me half the charges from xmas charges but I have still been getting £35 charges as I am constantly playing catch up I just don't have the extra income to pay bank charges & my bills so I am on a merry go round with this all the time & because of these charges I am unable to make my mortgage payments I am literally at the end of my tether & can see no way out of the financial mess I am in.Can I claim these charges back any advice would be greatly received.

I am in a mess because of GE Money.I remortgaged with them in 2007 when a broker just cold called,I was self employed had never had a mortgage independently he proceeded to put down estimated figures for my income as I had only recently become self employed & had no books to speak of.He then encouraged me to take some extra finance on top for home improvements etc & advised as I was self employed not to have the Payment protection as it would not cover me & I received a letter confirming it was not in place.Then my business went under & within 12 month I was taken to court for arrears of just under £3000 & given a 48 hour suspended repossession order.There is so much behind all this but I wouldn't have enough pages to cover it all basically They constantly harassed me with phone calls & reduced me to tears all the time,I got where I daren't ring them.It was only when my bank manager looked over my statements a couple of years after court that she noticed PPI was in place & I had been paying it from the beginning so when I confronted GE they said I should have asked if I could claim on the PPI but why would I when I had a letter stating I did not have it.Anyway there is so much more of how they have ruined my life & due to the daily stress I am now registered disabled due to Cauda Equina Syndrome resulting from constant pressure crushing my nerves at the base of the spine.I am struggling to pay my mortgage now because of all the admin fees etc that are added every month,I did claim the PPI for the 12 month but that ended over 7 mth ago although they said I still have to pay the £33 PPI payments every month for the remainder of my mortgage which is 2o years even though it no longer covers me I aren't sure if that is right either.I am close to losing my home & haven't a clue what extra monthly charges,admin fees etc they are allowed to put on & don't know hwich way to turn.Any advice would be appreciated.